New Delhi, April 23 -- Investors in Mahindra & Mahindra Financial Services Ltd (M&M Fin) can only hope that it can maximise the benefit of favourable macro tailwinds such as lower interest rates and improving liquidity in the system.

FY25 data shows the company meets 48% of its funding requirements from banks, and a bulk of it is likely to get repriced lower.

The management has also guided for net interest margin (NIM) to improve with some benefit trickling in from the decline in cost of funds even after factoring in some negative impact from floating rate assets. Lower cost of funds also improves the competitiveness of non-banking financial companies (NBFCs) versus banks.

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