Mahindra Finance (Mahindra & Mahindra Financial Services) App Reviews, Customer Care Number & Details

Vehicle-finance NBFC whose app offers personal loans to its existing customers

This Mahindra Finance (Mahindra & Mahindra Financial Services) app review covers interest rates, eligibility, charges, documents and real borrower feedback, along with the verified Mahindra Finance (Mahindra & Mahindra Financial Services) customer care number, WhatsApp channel and support email — plus the RBI grievance route if a complaint is not resolved in 30 days.

NBFCRBI Regulated

Reviewed by BankCreds App Review Team· App Review Analysts Updated 4 November 2026

Mahindra Finance: Loans & FD is the customer app of Mahindra & Mahindra Financial Services, a Mumbai NBFC best known for tractor, car and commercial vehicle loans. The lender is the company itself, an RBI-registered NBFC in the Upper Layer, and the thing to know first is that its personal loan is for existing Mahindra Finance customers with a good repayment record and for Mahindra Group employees, not for new borrowers. Most people use the app to pay EMIs, download statements, book fixed deposits and check pre-approved offers. Its Play listing gives personal loan tenures of 6 to 36 months, and the company's rate policy puts personal loans at 8% to 25% a year before a 2% processing fee. We checked those terms against its fee schedules, RBI records and recent reviews, as of November 2026.

Quick Facts

4.3★ · 48.8K

Play Store

₹15L

Max Loan

8% to 25% a year

Interest Rate

Few hours for digital loans to existing customers; within a day for Mahindra Group employees (website FAQ)

Disbursal

6 months to 36 months

Tenure

Up to 2% + GST

Processing Fee

Play Store rating sourced from Google Play, as of 4 Nov 2026. Other figures from the lender's official disclosures.

Our Ratings

Disbursal speed 3.0/5

The FAQ promises a few hours for digital loans to existing customers, but the pre-approved loan portal it links to returned an error when we checked.

Interest & cost 3.0/5

An 8% to 25% rate band and a 2% fee are mainstream NBFC pricing, but 36% a year penal interest and up to 6% foreclosure add up.

App experience 2.5/5

The app holds 4.3 stars, yet recent reviews report crashes after an October 2026 update and missing loan details.

Customer support 3.0/5

Toll-free lines every day from 8am to 10pm, WhatsApp and a named escalation ladder, offset by repeated NOC delay complaints.

Safety & transparency 4.0/5

An Upper Layer, deposit-taking NBFC lending in its own name, marked down for three RBI penalties and conflicting charge pages.

Loan Details & Charges

Loan Amount ₹50,000 to ₹15,00,000

Interest Rate 8% to 25% a year

Tenure 6 months to 36 months

Processing Fee Up to 2% + GST

Late Payment Penal charges 36% per annum on the amount overdue (both fee schedules), plus GST

Foreclosure Pages conflict: PL feature box says 'no pre-payment penalty'; FAQ says a 'nominal pre-closure rate'; schedule for other personal loans says 4% of principal outstanding + tax (part-payment also 4%); the retail schedule the PL fees page points to for pre-approved loans sets 6% of principal outstanding in the first 24 months and 3% after (vehicle and other retail loans). RBI fined MMFSL in February 2026 for levying revised foreclosure charges not provided for in loan agreements.

Bounce Charges ₹500 per returned instrument on the retail schedule that covers pre-approved personal loans; ₹450 on the schedule for other personal loans; plus GST

Eligibility Criteria

Age 21-58 years

Employment Existing Mahindra Finance customers with a good repayment history, and Mahindra Group employees who are not on probation; salary slips are listed among documents

Documents Aadhaar number, PAN, CKYC, Aadhaar-linked mobile number, bank account with e-NACH; address proof (telephone bill, gas bill or bank statement); 3 months' salary slips, last 3 months' bank statement in PDF, cancelled cheque signed as on PAN, passport-size photograph

What It Actually Costs

Loan amount ₹1,00,000

Tenure 24 months

Monthly EMI ₹5,337

Total interest ₹28,088

Processing fee ₹2,360 (2% = ₹2,000 + 18% GST of ₹360), deducted upfront

Total repayment ₹1,28,088

Illustrative at 25% a year, the top of the 8% to 25% personal loan band in its rate policy, with the 2% fee: you'd receive about ₹97,640 before stamp duty, and at 8% the EMI would fall to ₹4,523. By the same formula, Play's own example (₹55,000 for 18 months, EMI ₹3,655) works out to about 23.5% interest, or about 26.5% a year once the ₹1,100 fee and ₹100 stamp duty are counted, above the 22.5% APR it states.

Try the Mahindra Finance (Mahindra & Mahindra Financial Services) EMI calculator

Pros

The lender is Mahindra Finance itself, an Upper Layer NBFC that is also allowed to take public deposits
A published personal loan rate band of 8% to 25% a year, with a 2% processing fee plus GST
Toll-free care every day from 8am to 10pm, plus WhatsApp and named grievance and nodal officers
Its FAQ says digital loans for existing customers can be paid out within a few hours
It names its lending partners, collection agencies and app service providers on its own site

Cons

Only existing customers with a good repayment record and Mahindra Group employees can apply
Its pages give three different tenure answers: 6 to 36 months, 24 to 60 months, or 18 months
Prepayment is described as free, nominal, 4% or 6% of the principal outstanding, depending on the page
Late payment costs 36% a year on the overdue amount, and a bounced EMI costs ₹450 to ₹500 plus GST
Recent reviews describe app crashes, NOC delays and bounce charges despite money in the account

Our Verdict

On safety, Mahindra Finance is about as solid as a non-bank lender gets. It sits in the Upper Layer of RBI's NBFC register, holds permission to take public deposits, and names a Grievance Redressal Officer, a Principal Nodal Officer and four regional nodal officers. Its own digital lending page lists the customer app as a channel for personal loans, so there's no unknown partner between you and the lender. The problems are fit and clarity. This is a top-up loan for people already on its books. Its pages disagree on tenure and on prepayment, which runs from no penalty to 6% of the outstanding principal in the first 24 months, and the Play example's EMI doesn't match the 22.5% maximum APR printed beside it. RBI has fined the company three times since 2023, most recently ₹11.50 lakh in February 2026, partly for charging revised foreclosure fees that weren't in loan agreements. Recent reviews add slow NOCs, disputed bounce charges and an app that wouldn't open for many users in early October 2026. If you're an existing customer with a pre-approved offer, it's a reasonable choice once you've read the Key Fact Statement and got the foreclosure charge in writing. If you're new to Mahindra Finance, look at lenders that take new customers.

Who Mahindra Finance (Mahindra & Mahindra Financial Services) suits

Existing Mahindra Finance borrowers with a clean repayment record who see a pre-approved offer in the app

Mahindra Group employees who have finished probation

People who want their vehicle loan, fixed deposit and a top-up loan in one app

Borrowers who want a large, deposit-taking NBFC with a full complaint ladder

Look elsewhere if

You've never borrowed from Mahindra Finance, because the personal loan isn't open to new customers

You may repay early, since its pages put prepayment anywhere from free to 6% of what's left

You want a dependable app, as crash complaints piled up in early October 2026

Not sure the app is genuine? Is Mahindra Finance (Mahindra & Mahindra Financial Services) real or fake? How to check it yourself

Things to Watch

RBI fined the company ₹11.50 lakh in February 2026, partly for charging revised foreclosure fees that its loan agreements did not provide for.
Earlier RBI penalties: ₹71.30 lakh in April 2025, partly for not showing processing fees in some application forms, and ₹6.77 crore in April 2023 over interest rate disclosure.
RBI barred outsourced recovery on 22 September 2022 after a fatal tractor repossession in Hazaribagh, then lifted the curb on 4 January 2023.
The Play example's EMI of ₹3,655 on ₹55,000 over 18 months is higher than a 22.5% APR allows, so the stated APR understates the cost.
The app privacy policy reserves one-time access to contacts and SMS, while the Play data safety form lists only location and photos.

How to Apply for Mahindra Finance (Mahindra & Mahindra Financial Services)

1

Check that you qualify

The personal loan is for existing Mahindra Finance customers with a good repayment record and for Mahindra Group employees aged 21 to 58. Log in to the app with your registered mobile number to see whether you have a pre-approved offer.
2

Customise the loan

Choose the amount and tenure the offer allows. The website mentions ₹50,000 to ₹15 lakh, but your limit depends on your eligibility.
3

Complete KYC and set the mandate

Finish KYC, then set up an e-NACH mandate on your bank account, which is how the EMIs are collected.
4

Read the KFS before you sign

Check the rate, the fee taken upfront, stamp duty and the foreclosure charge before you e-sign. Because the website's pages disagree on prepayment, ask for the foreclosure terms in writing.

Documents Required

Aadhaar number, Aadhaar-linked mobile number, PAN and CKYC details

A bank account with e-NACH and a cancelled cheque signed as on your PAN card

Salary slips for 3 months and the last 3 months' bank statement in PDF

Address proof such as a telephone bill, gas bill or bank statement

A passport-size photograph

What Real Users Say

On 4 November 2026 the listing showed 4.3 stars from 48.8K reviews and 50L+ downloads, last updated 28 October 2026. In the 200 newest reviews (3 October to 3 November 2026), 107 gave five stars and 77 gave one. Most five-star posts are three words or fewer and get a templated thank-you, but we saw no burst of identical text.

Reviews of the app are mostly about running existing loans, usually vehicle loans, rather than about personal loans. Short five-star posts sit beside detailed one-star complaints about loan closure, charges and the app itself.

What users love

Happy users say it's handy for seeing a vehicle loan statement and paying instalments, and a few praise branch staff or an easy loan. Most five-star posts are one or two words, such as good or nice.

Common complaints

A run of reports in early October 2026 that the app crashed or would not open after an update; NOCs delayed weeks after closure, sometimes with repeated branch visits; ₹500 bounce charges disputed by people who say the money was in their account; frequent reminder calls; one reviewer says an agent quoted 9% but 19% was charged.

How Mahindra Finance (Mahindra & Mahindra Financial Services) Compares

vs Bajaj Finserv — A large RBI-regulated NBFC that lends personal loans to new customers too, so it's the obvious quote to get if Mahindra Finance won't consider you.

vs Tata Capital — Another big NBFC with a published personal loan schedule; compare its foreclosure terms with Mahindra Finance's conflicting 4% and 6% figures.

vs Shriram Finance — Like Mahindra Finance, a vehicle-finance-led NBFC with its own app, useful if you want a similar lender for a personal loan.

How we tested

On 4 November 2026 we read Mahindra Finance's personal loan, fee schedule, interest rate policy, digital lending, fraud advisory, customer care and grievance pages, plus both privacy policies. We checked RBI's NBFC register as on 30 September 2026 and RBI press releases from 2022 to 2026, then the Play listing, its data safety section and the 780 newest reviews, all checked in November 2026. RBI's Digital Lending Apps directory would not load, the pre-approved loan portal returned an error, and we did not take a loan.

Mahindra Finance (Mahindra & Mahindra Financial Services) Customer Support Details

Start with the toll-free lines, which run every day from 8am to 10pm except national holidays, or send Hi on WhatsApp from your registered mobile. Email is better when you want a written record. Each complaint gets a reference number by SMS. If the reply doesn't settle it, write to the Grievance Redressal Officer, then the Principal Nodal Officer. After 30 days without a fix, go to the RBI Ombudsman.

Mahindra Finance (Mahindra & Mahindra Financial Services) customer care number	1800 268 1234
Mahindra Finance (Mahindra & Mahindra Financial Services) WhatsApp number	7066331234
Mahindra Finance (Mahindra & Mahindra Financial Services) customer support email ID	SERVICE@mahindrafinance.com
Registered lending entity	Mahindra & Mahindra Financial Services Limited (RBI-registered NBFC), which lends directly; it is not Kotak Mahindra Bank
Mahindra Finance (Mahindra & Mahindra Financial Services) grievance officer email	GRIEVANCEREDRESSAL@mahindrafinance.com

Verified from Mahindra Finance (Mahindra & Mahindra Financial Services)'s official contact or grievance page on 2026-09-13. Companies change helplines without notice — cross-check inside the app before calling, and never share an OTP, PIN or card details with anyone claiming to be support. Full Mahindra Finance (Mahindra & Mahindra Financial Services) customer care page → All lender, bank & insurer contacts →

Frequently Asked Questions

Is Mahindra Finance safe and RBI registered?

Yes. Mahindra & Mahindra Financial Services Limited is serial 4189 in RBI's list of registered NBFCs as on 30 September 2026, under the Mumbai office, in the Upper Layer, with permission to take public deposits. It lends in its own name through the app. RBI has fined it three times since 2023, most recently ₹11.50 lakh in February 2026, which points to compliance lapses, not fraud.

What does a Mahindra Finance personal loan really cost?

Its rate policy puts personal and consumer loans at 8% to 25% a year, before a processing fee of 2% of the sanction amount plus GST. Late payment costs 36% a year on the overdue sum, a bounced EMI ₹450 to ₹500, and early closure up to 6% in some schedules. Play's example of ₹55,000 over 18 months totals ₹66,990.

How much can I borrow from Mahindra Finance, and for how long?

The website mentions ₹50,000 to ₹15 lakh, while the app listing says the amount depends on eligibility. Tenure answers differ: the Play listing says 6 to 36 months, a website feature box says 24 to 60 months, and the FAQ says 36 months for mature customers but 18 months for current ones. Your offer letter and KFS decide.

Who can get a Mahindra Finance personal loan, and what documents are needed?

Only existing customers with a good repayment history and Mahindra Group employees aged 21 to 58 who are not on probation. You'll need your Aadhaar number and linked mobile, PAN, CKYC, a bank account with e-NACH, address proof, 3 months' salary slips, 3 months' bank statements, a cancelled cheque and a photograph.

What is the Mahindra Finance customer care number, and how do I complain?

Call toll-free 1800 268 1234 or 1800 233 1234, every day from 8am to 10pm except national holidays, email SERVICE@mahindrafinance.com, or send Hi on WhatsApp to 7066331234. If that fails, write to the Grievance Redressal Officer, Mr. Brijesh Kumar, then the Principal Nodal Officer. After 30 days, you can go to the RBI Ombudsman.

Is Mahindra Finance the same as Kotak Mahindra Bank?

No. Mahindra Finance is Mahindra & Mahindra Financial Services Limited, a Mahindra Group NBFC focused on vehicle loans. Kotak Mahindra Bank is a different company, and Kotak NBFCs such as Kotak Mahindra Prime have their own entries in RBI's register. Check the lender's full name on your loan papers. Mahindra Finance says its service calls now come from 1600-series numbers.

How do I file a complaint against Mahindra Finance (Mahindra & Mahindra Financial Services)?

Work the escalation ladder in order. First, raise the complaint with Mahindra Finance (Mahindra & Mahindra Financial Services) support (SERVICE@mahindrafinance.com) and insist on a written complaint reference number — a call with no reference number effectively did not happen. If it is unresolved, escalate to the grievance redressal officer at GRIEVANCEREDRESSAL@mahindrafinance.com. The regulated entity has 30 days to resolve it. After that, you can complain free of cost to the RBI Ombudsman at cms.rbi.org.in — no lawyer is needed, and the decision is binding on the lender.

How do I stop harassment calls from Mahindra Finance (Mahindra & Mahindra Financial Services) recovery agents?

RBI's rules on recovery conduct are specific: agents may not call before 8 a.m. or after 7 p.m., may not use threats, abuse or intimidation, and may not contact people from your phonebook to shame you. Blanket access to your contacts and photos is prohibited for digital lenders. If this is happening, save the evidence — call logs, screenshots, recordings — and complain to the lender's grievance officer (GRIEVANCEREDRESSAL@mahindrafinance.com), then to the RBI Ombudsman at cms.rbi.org.in if it continues. If the app is not a regulated entity at all, report it on the RBI Sachet portal (sachet.rbi.org.in) and to the cyber-crime helpline 1930 or cybercrime.gov.in. Harassment, morphed images and contact-list shaming are criminal offences regardless of whether you owe money.

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66	HDFC Bank Pre-approved Personal Loan (Insta) HDFC Bank Limited (scheduled private sector bank)	4	₹50L	9.99% – 24.00% p.a.	Read Review
67	ICICI Bank Personal Loan ICICI Bank Limited (scheduled private sector bank)	4	₹50L	9.99% – 16.50% p.a.	Read Review
68	Axis Bank Instant Loan Axis Bank Limited (scheduled private-sector bank; lends directly)	4	₹50L	9.99% – 22.00% p.a.	Read Review
69	RuleMudra Decimus Financial Limited (formerly K.C.Fincap Limited); press release also names Basel Investments Limited (not confirmed by Basel)	4	₹1L	Up to 365% a year	Read Review
70	MoneyWide MyLoanCare Ventures Private Limited	4	₹3L	16% to 36% a year	Read Review
71	KarmaLife Partner NBFCs incl. Avanti Finance, Niyogin Fintech, Bhawana Capital and Resilient Finance (BharatPe Capital); the lender for each loan is named in the app and KFS	4	₹0	17.95% to 36% a year	Read Review
72	Godrej Priority Money Godrej Finance Limited	4	₹60L	10.99% to 18% a year	Read Review
73	Fi Money Stock Guardians (India) Private Limited (Fi Loans), plus Federal Bank, IDFC FIRST Bank, Aditya Birla Capital, Earlysalary Services (Fibe), Incred Financial Services and the P2P platforms NDX P2P (LiquiLoans) and Innofin (LenDenClub)	4	₹10L	12.75% to 36% a year	Read Review
74	Chola One (Cholamandalam) Cholamandalam Investment and Finance Company Limited (lends directly; owns the app)	4	₹3L	14% to 36% a year	Read Review
75	The Zenith Loan Zenith Machinery Private Limited	4	₹1L	264% to 456% a year	Read Review
76	Snap Paisa Ampire Finance Private Limited	4	₹1L	15% to 35% a year	Read Review
77	SalariedLoan Gopi Securities Private Limited	4	₹5L	35% a year	Read Review
78	Sabka Loan Mahashakti Financiers Limited	4	₹1L	Up to 36% a year	Read Review
79	RupeeGo Salora Capital Limited	4	₹5L	Up to 36% a year	Read Review
80	Paisa Daily Ready Leasings Private Limited	4	₹50,000	365% a year	Read Review
81	PaisaBoxx Sawalsha Leasing & Finance Private Limited	4	₹1L	Not published	Read Review
82	Ola Loan InCred Financial Services, Tata Capital, Kisetsu Saison Finance (Credit Saison India), Poonawalla Fincorp, DMI Finance and other partners named by Ola Financial Services	4	₹10L	Not published	Read Review
83	Money Finserve Gopi Securities Private Limited	4	₹5L	35% a year	Read Review
84	KredTap Salora Capital Limited (the website also names Capital Trade Links Limited)	4	₹1L	12% to 32.5% a year	Read Review
85	Kredito24 North East Hire Purchase Company (India) Private Limited (also GSD Trading And Financial Services Private Limited and Asomi Finance Private Limited)	4	₹40,000	0% to 73% a year	Read Review
86	Fundo Baba U.Y. Fincorp Limited	4	₹1L	182.5% to 365% a year	Read Review
87	CashToYou Mount Shikhar Financial Services Limited, Savantika Vanijya Private Limited	4	₹40,000	0% to 73% a year	Read Review
88	Apollo Finvest Apollo Finvest (India) Limited	4	₹50,000	Not published	Read Review
89	Dhan Pocket Pawansut Holdings Limited (named by Dhan Pocket; the NBFC's own website does not list it)	4	₹1L	0.5% – 1% per day (182.5% – 365% a year); the site also prints an APR of 15% – 35%	Read Review
90	DhanCash Ind Global Securities Limited	4	₹1L	0.4% – 1.1% per day (146% – 401.5% a year)	Read Review
91	Aditya Birla Personal Loan Aditya Birla Capital Limited (NBFC-ICC, Upper Layer; Aditya Birla Finance merged into it)	4	₹50L	10% – 28% p.a.	Read Review
92	DigiCredit Khosya Finlease Private Limited (NBFC); DSG Investments Private Limited also shown as a partner	4	₹75,000	Up to 36% p.a. (stated cap; floor not disclosed)	Read Review
93	FatakPay FDPL Finance Private Limited (wholly-owned RBI-registered NBFC subsidiary, sole lender)	4	₹5L	18% – 40% p.a.	Read Review
94	InstaMoney Innofin Solutions Private Limited; Aeroflex Finance Private Limited (NBFCs). InstaMoney is operated by Roctogen Services Pvt Ltd (not an NBFC).	4	₹1L	24% – 48% p.a.	Read Review
95	Ram Fincorp R.K. Bansal Finance Private Limited (NBFC, self-declared RBI registration B-14.00700); Ram Fincorp = Kundanmal Technology Pvt Ltd, LSP only	4	₹2L	15% – 35% p.a. (listed)	Read Review
96	RapidMoney RuLoans Financial Services Pvt Ltd; Pooja Finstock International Ltd (PFIL Finance); Fintree Finance Pvt Ltd — RapidMoney (MoneyTime Technology Solutions Pvt Ltd) is an LSP	4	₹15,000	36.5% – 54.75% p.a. (quoted as 0.1% – 0.15% per day), before the 15% processing fee	Read Review
97	Unity SFB Personal Loan Unity Small Finance Bank Limited (bank, lends on own book)	4	₹5L	16% – 30% p.a.	Read Review
98	Zype Respo Financial Capital Private Limited	4	₹5L	18% – 34% p.a.	Read Review
99	True Fund	4	₹0	Not disclosed	Read Review
100	Tap4Credit	4	₹0	Not disclosed	Read Review
101	Poonawalla Fincorp	4	₹5L	16% p.a. onwards (no published cap)	Read Review
102	PayTrust	4	₹0	Not disclosed	Read Review
103	HDFC SmartEMI HDFC Bank Limited (scheduled private sector bank)	4	₹0	From 0.99% per month; rates actually charged Apr–Jun 2026: 10.80%–24.96% p.a.	Read Review
104	DMI Finance	4	₹10L	13.99% – 24.90% p.a.	Read Review
105	BharatPe Credit Line YES Bank (Pay Later line); personal loans via BharatPe Capital, Unity Small Finance Bank, Poonawalla Fincorp, InCred, Piramal Finance, Aditya Birla Capital, L&T Finance and other partner lenders	4	₹15L	18% – 70% p.a.	Read Review
106	Chintamani Finlease Chintamani Finlease Limited	3.8	₹3L	Up to 26% a year	Read Review
107	ZapCash Weekline Investment & Trading Co. Limited (also BMW Fin-Invest Private Limited)	3.8	₹5L	12% – 30% p.a. advertised; lender policy prices payday loans at 0.10% – 1.00% per day	Read Review
108	ATD Money ATD Financial Services Private Limited	3.7	₹50,000	36.5% to 182.5% a year	Read Review
109	InstaPe Suryoday Small Finance Bank Limited (RBI-licensed small finance bank) and Mufin Green Finance Limited (RBI-registered NBFC)	3.6	₹0	Up to 30% a year	Read Review
110	AbhiCash C.N.M.P. Investments Private Limited	3.6	₹2L	14% to 36% a year	Read Review
111	Lendingkart Lendingkart Finance Limited	3.5	₹50L	13.5% to 35% a year	Read Review
112	Omozing Aparampaar Finance Private Limited	3.5	₹25L	11% to 59% a year	Read Review
113	Instant Mudra Chintamani Finlease Limited	3.5	₹30,000	Up to 66% a year	Read Review
114	Cash247 Meghdoot Mercantile Private Limited	3.5	₹2L	12% to 32.5% a year	Read Review
115	Udhaar Box Moneyplus Financial Services Limited	3.4	₹50,000	10.5% to 365% a year	Read Review
116	Prefr Aditya Birla Capital Finance, Poonawalla Fincorp, SMFG India Credit, Zype, MAS Financial Services	3.2	₹5L	18% – 30% p.a.	Read Review
117	SalaryMantra Bagmane Traders Private Limited	3.1	₹1.5L	Up to 35% a year	Read Review
118	LoanTap LoanTap Credit Products Private Limited (in-house NBFC), with MAS Financial Services Limited as co-lender; I-Loan Credit Private Limited is also named as a LoanTap lender	3	₹10L	12% to 26% a year	Read Review
119	SMFG India Credit SMFG India Credit Company Limited	2.6	₹10L	12.50% – 30.00% p.a.	Read Review