49 RISE TO BE FUTURE-READY | Digital & AI Capabilities Digital scale and impact • 14.3 lakh+ cumulative app users (10 lakh added in FY26). • ₹1,500+ crore digital collections enabled. ▪ Peak monthly collections of ~₹157 crore in March • 8,000+ mandates created directly on the app. • 1.6 lakh+ leads generated. ▪ ~30% hot leads ▪ ₹140+ crore in disbursements • 10x increase in positive customer reviews. The roadmap ahead focuses on expanding coverage to Insurance, SME, and Mortgages, deepening self-service, scaling digital personal loans across app, web, and bot channels, and strengthening omnichannel integration to reduce TAT and drive cross-selling. Customer bot – AI Powered Conversational Support Customer bot, Mahindra Finance’s AI conversational assistant, operates across WhatsApp, web and the mobile app in multiple Indian languages, enabling instant resolution, loan sourcing, payments, and service requests. FY26 outcomes • 2.45 lakh unique users. • 1.3 crore+ messages exchanged. • 34,000+ leads generated. Next phase expansion includes: • Coverage across 12 languages. • 30+ services, including end to end onboarding for Fixed Deposits and Personal Loans. A self-healing paint shop leverages AI agents grounded in an industrial knowledge graph for proactive anomaly detection and root cause recommendations to establish new benchmarks in quality and efficiency at our paint shops; an industry-first among Indian auto OEMs (uptime.ai / quality.ai). An agentic AI-based CMMS (Computerised maintenance management system) has been developed in-house to improve uptime of our highly automated plant setups (uptime.ai). An AI-based die design validation assistant helps our designers validate die designs faster (agility.ai). Manufacturing foundations were strengthened through improved machine connectivity, data quality, and traceability, enabling horizontal AI scale across plants. Efficiency.AI systematically applies intelligence across manufacturing to reduce cycle time, improve quality, increase uptime, optimise energy usage, and unlock capacity. MATRIX, Mahindra’s manufacturing AI framework, scales AI through Agility.ai, Quality.ai, Uptime.ai, Energy.ai, and Connected.ai. Agility.AI AI-simulation and Live m/c data, for dynamic production planning Quality.AI AI-based weld spot integrity prediction Uptime.AI Gen-AI maintenance assistant for faster analysis Energy.AI AI models optimise energy efficiency across plants Connected.AI Agentic AI-based CMMS developed in-house Efficiency.AI
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