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Mahindra & Mahindra Ltd Automobiles - Tractors
BSE Code
500520
ISIN Demat
INE101A01026
Book Value
167.46
NSE Symbol
M&M
Div & Yield %
1.78586
Market Cap (Rs Cr.)
39537.2421
P/E
15.14108
EPS
42.53
Face Value
5
MAHINDRA AND MAHINDRA LIMITED

ANNUAL REPORT 2010-2011

DIRECTOR'S REPORT

Dear Shareholders

Your  Directors present their Report together with the audited accounts  of 
your Company for the year ended 31st March, 2011.

Financial Highlights:

                                               (Rs. in crores)
                                               2011         2010

Gross Income                                 25,896       20,595
Less: Excise Duty on Sales                    2,093        1,794
Net Income                                   23,803       18,801
Profit before Depreciation, Interest,
Exceptional items and Taxation                3,766        3,155
Less: Depreciation/Amortisation                 414          371
Profit before Interest, Exceptional items 
and Taxation                                  3,352        2,784
Less: Interest (Net)                           (50)           28
Profit before Exceptional items and Taxation  3,402        2,756
Add: Exceptional items                          118           91
Profit before Taxation                        3,520        2,847
Less: Provision for Tax - Current Tax
(including Fringe Benefit Tax)                  762          749
Less: Provision for Tax - Deferred Tax (Net)     96           10
Profit for the year                           2,662        2,088
Balance of profit for earlier years           4,588        3,365
Add/(Less): Transfer from/(to) Debenture
Redemption Reserve                               36         (31)
Profits available for appropriation           7,286        5,422
Less: General Reserve                           275          210
Proposed Dividends                              706          550
Income-tax on Proposed Dividends                 96           74
Balance carried forward                       6,209        4,588

India's  economic performance in the Financial Year 2011 had both  positive 
and negative elements to it. The economy grew a very creditable 8.5% backed 
by strong growth in all three Sectors - Agriculture, Industry and Services. 
However,  despite  significant monetary tightening by the Reserve  Bank  of 
India,  inflationary  pressures  persisted  throughout  the  year,  drawing 
attention to the factors and policies that continue to constrain productive 
capacities in the economy.

Yields in the Agricultural Sector in India, for instance, are significantly 
lower than those in other countries, for a wide range of crops. Recognising 
the  criticality of ensuring food security, at affordable prices  for  all, 
the  Government  of  India has taken a series  of  initiatives  focused  on 
enhancing  the  productive capacities of both farms and  farmers.  Mahindra 
Samriddhi, an initiative of the Farm Division of your Company, is making  a 
small but significant contribution in this regard.

Financial Performance

In  these  challenging  times, the Automotive and Farm  Divisions  of  your 
Company  have secured their best performance for the second year in  a  row 
reflecting in substantial growth in the net income of the Company by 26.60% 
to Rs. 23,803 crores in the year under review from Rs.18,801 crores in  the 
previous year.

Consequent  to this remarkable performance, the Profit for the year  before 
Depreciation, Interest, Exceptional items and Taxation recorded an increase 
of  19.37% at Rs. 3,766 crores as against Rs. 3,155 crores in the  previous 
year.  Similarly,  Profit after tax clocked an increase of  27.51%  at  Rs. 
2,662 crores as against Rs. 2,088 crores in the previous year. Your Company 
continues  with  its rigorous cost restructuring exercises  and  efficiency 
improvements  which have resulted in significant savings through  continued 
focus  on cost controls, process efficiencies and product innovations  that 
exceed  customer expectations in all areas thereby enabling the Company  to 
maintain profitable growth in the current economic scenario.

Dividend

Your Directors are pleased to recommend a dividend of Rs.10.50 per Ordinary 
(Equity)  Share and also a Special Dividend of Re.1 per  Ordinary  (Equity) 
Share aggregating Rs.11.50 per Ordinary (Equity) Share of the face value of 
Rs.5 each, payable to those Shareholders whose names appear in the Register 
of  Members  as  on the Book Closure Date. The Special  Dividend  is  being 
recommended  in view of the Profit made by the Company on the sale  of  its 
entire  holdings  in Owens Corning (India) Limited. The  proposed  dividend 
will  be paid on an enlarged capital base of Rs.306.99 crores  (as  against 
Rs.289.21  crores in the previous year). The equity dividend outgo for  the 
Financial  Year  2010-11, inclusive of tax on  distributed  profits  (after 
reducing  the tax on distributed profits of Rs.17.98 crores payable by  the 
subsidiaries  on  the  dividends receivable from them  during  the  current 
Financial  Year)  would  absorb  a sum  of  Rs.802.64  crores  (as  against 
Rs.623.75  crores comprising the dividend of Rs.8.75 per Ordinary  (Equity) 
Share  and also a Special Dividend of Rs.0.75 per Ordinary  (Equity)  Share 
aggregating  Rs.9.50 per Ordinary (Equity) Share of the face value of  Rs.5 
each paid for the previous year).

Performance Review

Automotive Division:

Your  Company's  Automotive  Division  recorded  total  sales  of  2,89,333 
vehicles  and  64,740 three-wheelers as compared to 2,36,759  vehicles  and 
45,360  three-wheelers in the previous year registering a growth  of  22.2% 
and 42.7% in vehicle sales and three-wheeler sales respectively.

On the domestic sales front, your Company sold 2,74,793 vehicles [including 
2,30,110  Multi Utility Vehicles (MUVs), 35,493 small 4-wheelers  0.75  Ton 
cargo/passenger  and  9,190  mini  4  wheelers  0.5  Ton   cargo/passenger] 
registering  a growth of 21% over the previous year's volumes  of  2,27,114 
vehicles  [including 2,14,128 MUVs, 3,722 small 4-wheelers 0.75  Ton  cargo 
and  9,264  mini 4 wheelers 0.5 Ton cargo]. The domestic sales  volumes  of 
62,142  three-wheelers  was  higher by 39.8% as compared  to  the  previous 
year's volume of 44,438 three-wheelers.

Your Company's MUV sales volume grew by 7.5% and your Company continued its 
leadership  of the domestic MUV market by posting a market share of  60.9%. 
All products of your Company's Passenger MUV portfolio performed very well. 
Bolero volumes grew by 17.8% over the previous year and Bolero is currently 
India's  largest selling MUV for five consecutive years. Scorpio  and  Xylo 
volumes also posted an impressive growth of 19.1% and 14.6% respectively.

In February, 2010, your Company had launched Maxximo in a very  competitive 
small  4-wheeler  cargo segment (0.75 Ton). During the first full  year  of 
sales,  Maxximo has impressively established itself in the market,  with  a 
sales volume of 35,464 vehicles and a market share of 19.1%.

With  an  aim  to  strengthen its product portfolio  and  to  offer  better 
products,  your Company has launched four new products viz. Genio,  Maxximo 
Mini  Van,  Compact  Cab-Gio Passenger and Thar which  have  received  good 
response from the customers. 

In  the Overseas market, your Company registered a volume growth  of  62.2% 
over  the previous year. This growth was driven by volume growth in  SAARC, 
Chile  and  South Africa. During the year under review, your  Company  sold 
14,540  vehicles  [including 305 vehicles sourced  from  Mahindra  Navistar 
Automotives  Limited  ('MNAL')] and 2,598 three-wheelers  in  the  Overseas 
market  as  compared to 10,567 vehicles [including 1,323  vehicles  sourced 
from MNAL] and 922 threewheelers in the previous year.

Spare parts sales for the year stood at Rs.666.97 crores (including Exports 
of  Rs.28.3 crores) as compared to Rs.514.96 crores (including  Exports  of 
Rs.22.4 crores) in the previous year, registering a growth of 29.5%.

Farm Division:

Your Company's Farm Division (including Swaraj Division) recorded sales  of 
2,14,325  tractors as against 1,75,196 tractors sold in the previous  year, 
recording a significant growth of 22.3%.

In  the  Financial  Year  2011,  the  Indian  tractor  industry   witnessed 
consecutive second year of high growth. The domestic market recorded  sales 
of 4,80,377 tractors as compared to 4,00,203 tractors in the previous year, 
recording a growth of 20%.

Your  Company  outperformed  the tractor industry with  domestic  sales  of 
2,02,513  tractors  as compared to 1,66,359 tractors in the  previous  year 
recording  a growth of 21.7%. This has also helped your Company to  improve 
its  market  share  which now stands at 42% as compared  to  41.4%  in  the 
previous  financial  year, thus completing 28 years of  leadership  in  the 
Indian  tractor industry. Your Company's tractor exports grew by  33.7%  to 
reach  11,812  tractors  as  compared to 8,837  tractors  exported  in  the 
previous year.

Beyond  agriculture,  in  the power generation  space  under  the  Mahindra 
Powerol  Brand, your Company sold 27,748 engines in the  current  financial 
year as against 48,011 engines in the previous year. Volumes were  severely 
affected  due  to  adverse market conditions in the  Telecom  Sector.  Your 
Company,  while  retaining  its leadership position in  the  genset  market 
catering  to  the  telecom space, has focused its presence  in  the  retail 
segment and has also introduced new products like inverters.

Mahindra Defence Systems Division (MDS):

Mahindra  Defence Systems (MDS), a Division of your Company is  engaged  in 
two  businesses - a) Mahindra Defence Naval Systems (MDNS) and b)  Mahindra 
Special Services Group (MSSG). 

In  the  Naval Systems business, your Company  currently  manufactures  Sea 
Mines, Torpedo Launchers, Decoy Launchers and Composites for various  Naval 
and other applications from its Plant based inChinchwadgaon, Pune. MDNS has 
been  servicing  diverse customers by providing systems  and  sophisticated 
components.  The Naval Systems business has considerable potential  and  is 
poised  for  a major growth in the field of different types of  Sea  Mines, 
Torpedo Decoy Systems and Radar Systems.

In  the  Special Services Group business, your Company  provides  corporate 
risk   management   consultancy  services,   assisting   organisations   in 
maintaining their competitive edge by protecting Information, Physical  and 
Personnel  Assets through implementing the security  strategy  encompassing 
people,  process and technology. During the year, MSSG has been  successful 
in registering and maintaining the business growth across various  industry 
verticals  through  a  wide range of service  offerings  in  the  Corporate 
SecurityRisk  landscape in India thereby enabling over 150 major  corporate 
customers to secure their people, assets, information and reputation.

MSSG  has  witnessed  tremendous  growth  opportunities  in  the  areas  of 
Governance and Fraud Risk Management during the year. MSSG's marketing  and 
brand  promotion activities have been strengthened with increased  manpower 
and  as  a  result, MSSG has been able to make its brand  visible  in  many 
cities across India.

Management Discussion and Analysis Report

A  detailed  analysis  of the Company's performance  is  discussed  in  the 
Management Discussion and Analysis Report, which forms part of this  Annual 
Report.

Corporate Governance

Your  Company  has a rich legacy of ethical governance  practices  most  of 
which  were  in  place  even before they were  mandated.  Your  Company  is 
committed  to transparency in all its dealings and places high emphasis  on 
business ethics. During the year, CRISIL has re-affirmed the highest  level 
rating, (Level 1) for Governance and Value Creation for the fifth year in a 
row. This rating indicates that the capability of the Company with  respect 
to wealth creation for all its stakeholders while adopting strong Corporate 
Governance practices is the highest. 

A Report on Corporate Governance alongwith a Certificate from the Statutory 
Auditors of the Company regarding the compliance of conditions of Corporate 
Governance  as  stipulated under Clause 49 of the Listing  Agreement  forms 
part of this Annual Report.

Share Capital

Increase in Share Capital

During the year under review, your Company has allotted:

1)  1,81,52,597  Ordinary (Equity) Shares of Rs.5 each upon  conversion  of 
Foreign  Currency Convertible Bonds into Shares/Global Depositary  Receipts 
(GDRs),  each GDR represented by one Ordinary (Equity) Share of Rs.5  each, 
and

2)  1,73,53,034  Ordinary (Equity) Shares of Rs.5 each to the  Trustees  of 
Mahindra & Mahindra Employees' Stock Option Trust.

Subsequent to the year end, your Company allotted 34,730 Ordinary  (Equity) 
Shares  of Rs.5 each to International Finance Corporation, the  Shareholder 
of Mahindra Shubhlabh Services Limited ('MSSL')in the share exchange  ratio 
of 1 fully paid-up Ordinary (Equity) Share of Rs.5 each for every 190 fully 
paid-up  shares  of  Rs.10  each held in MSSL pursuant  to  the  Scheme  of 
Arrangement between MSSL and the Company and their respective  Shareholders 
('the Scheme'). The Scheme became effective on 15th April, 2011.

Post  allotment of Equity Shares as aforesaid, the issued,  subscribed  and 
paid-up Share Capital of the Company stands at Rs.307 crores comprising  of 
61,39,74,839 Ordinary (Equity) Shares of Rs.5 each fully paid-up.

Finance

The  overall global growth showed traction in the Financial Year 2011  with 
Financial  Year 2012 promising further improvement, despite  the  temporary 
setback  arising  out  of natural calamities in  Japan.  However  globally, 
monetary   and  fiscal  policies  are  showing  a  tightening  trend.   The 
developments  in  Middle  East and North Africa coupled  with  vagaries  of 
global  weather have resulted in oil and food prices casting a shadow  over 
forecasts  on growth, inflation and policy actions. India's  growth  during 
Financial  Year 2011 was strong and various indicators of demand like  auto 
sales,  exports, credit offtake and cargo movements in recent  months  show 
continued  upward  trends. However, inflation continues to be a  worry  for 
monetary  and fiscal policy makers. While the Government of India  did  not 
take  any major adverse measures in Union Budget for Financial  Year  2012, 
the Reserve Bank of India has since March, 2010 raised key policy rates  by 
350  bps.  For  the  Indian Economy, the Financial Year  2012  could  be  a 
challenging  year  as corporates face commodity price increase  and  demand 
gets threatened by rising interest rates.

Your  Company continued to focus on managing cash efficiently  and  ensured 
that  it  had adequate liquidity and back up lines of  credit.  During  the 
year,   your  Company  initiated  suitable  actions  based   on   financial 
conditions,  to facilitate conversion of debt into equity and raised  fresh 
debt to finance its growth plans.

Your  Company had outstanding Foreign Currency Convertible Bonds  ('FCCBs') 
aggregating  USD 189.50 million at the beginning of the year. It  issued  a 
notice  on 8th October, 2010 for early redemption of its outstanding  FCCBs 
aggregating  USD 141.20 million. Prior to the notice for early  redemption, 
the  bondholders  had opted for conversion of FCCBs aggregating  USD  48.30 
million into Shares/GDRs. Your Company's call met with a resounding success 
with  FCCBs  aggregating  USD  140.10 million  representing  99.2%  of  the 
outstanding FCCBs of USD 141.20 million being converted into Shares/ GDRs.

Consequently  during  the  year, your Company has on  conversion  of  FCCBs 
aggregating  USD  188.40 million allotted 18.15 million  Shares  (including 
Shares  underlying  GDRs) to the bondholders, who exercised the  option  to 
convert  these  FCCBs into such Shares/ GDRs. Accordingly,  your  Company's 
FCCB debt of Rs.850.85 crores outstanding on its books as at the  beginning 
of the financial year stands extinguished thereby strengthening the  credit 
profile of your Company.

Your  Company  has  also repaid foreign currency  loan  aggregating  Rs.176 
crores and Non-Convertible Redeemable Debentures ('NCDs') of Rs.200  crores 
during the year. It has successfully raised External Commercial  Borrowings 
aggregating USD 150 million from banks at attractive terms and at benchmark 
pricing.

Your  Company  follows  a prudent financial policy  and  aims  to  maintain 
optimum financial gearing at all times. The Company's total Debt to  Equity 
Ratio was 0.23 as at 31st March, 2011. 

Your  Company  has  been rated by CRISIL, ICRA Limited  (ICRA)  and  Credit 
Analysis  & Research Limited (CARE) for its banking facilities under  Basel 
II norms. During the year, CRISIL upgraded the rating for Long Term Banking 
facilities to 'AA+/Stable' from the earlier 'AA/ Stable'. During the  year, 
ICRA and CARE have maintained a Long Term Rating of 'LAA+/Stable' and 'CARE 
AA+' respectively.

CRISIL,  ICRA  and  CARE have all reaffirmed the highest  rating  for  your 
Company's  Short Term facilities. Your Company's Bankers continue  to  rate 
your  Company as a prime customer and extend facilities/services  at  prime 
rates.

Acquisitions and other matters

1) Acquisition of Ssangyong Motor Company Limited ('SYMC')

Your  Company  acquired  SYMC, a premier  manufacturer  of  sports  utility 
vehicles ('SUV') and recreational vehicles ('RV') in Korea. The total  cost 
of  acquisition  of SYMC was KRW  5,22,50,00,00,000(approximately  US$  463 
million) with KRW 4,27,09,52,35,000 (approximately US$ 378 million) payable 
for  new stocks and KRW 95,40,47,65,000 (approximately US$ 85  million)  in 
corporate bonds for an equity stake of around 70% in SYMC.

SYMC  was founded in 1954 and has been manufacturing automobiles  for  more 
than  five decades. SYMC has a strong domestic network of over 130  dealers 
and exports to over 90 countries through over 1,200 dealers.

SYMC has been undergoing a corporate rehabilitation process since February, 
2009  and the court receivership has now concluded upon court approval  and 
the corporate rehabilitation process has been terminated in March, 2011.

This  acquisition will help your Company to emerge as a competitive  global 
utility  vehicle  player  by leveraging on  your  Company's  competence  in 
sourcing  and  marketing strategy and SYMC's strong global  presence.  Your 
Company  is  committed to nurturing the Ssangyong brand in  global  markets 
while  preserving  its  Korean  heritage. It is  intended  that  SYMC  will 
continue  to  function  as an independent entity with  primarily  a  Korean 
Management. The acquisition will offer financial stability to SYMC and will 
work to further strengthen SYMC's product portfolio across the globe. 

The  strong complementarities between SYMC and your Company's portfolio  of 
products   and  technology  provide  an  opportunity  to  create   distinct 
positioning.  The  wide sales and distribution networks  and  complementary 
product  lines  will provide access to many overseas markets for  both  the 
companies.

2)  EPC  Industrie' Limited - The Farm Division of your  Company  has  been 
working in the wider agriculture domain through Mahindra Shubhlabh Services 
Limited and through various Mahindra Samriddhi centres across the  country. 
Farm Division's vision is to 'Deliver FarmTech Prosperity' and in line with 
this  vision, your Company has decided to foray into  the  Micro-irrigation 
industry.  Micro-irrigation brings various benefits to the farmer, such  as 
reduced  requirement of water, fertilizers, electricity, labour, etc.  with 
increase  in productivity. Entry into the micro-irrigation business  is  an 
important  step  towards  realisation  of  the  Division'svision.  It  also 
signifies  your Company's commitment to conserve the most precious  natural 
resource viz. Water. More than 80% of available water in India is  consumed 
in agriculture. Micro irrigation is a water efficient irrigation technology 
which  has  been  identified  as  one  of  the  major  focus  area  by  the 
Agricultural Department.

Thus,  keeping  the  opportunities in Agricultural  Sector  in  mind,  your 
Company  has  acquired 38% of the paid-up Equity Share  Capital  through  a 
Preferential Allotment in EPC Industrie' Limited (EPC), a company listed on 
the  Bombay Stock Exchange Limited. Pursuant to the above acquisition,  the 
Company is in the process of making an Open Offer under the Securities  and 
Exchange  Board of India (Substantial Acquisition of Shares and  Takeovers) 
Regulations,  1997 ('Takeover Code') to the Shareholders of EPC for 20%  of 
the enhanced Share Capital of EPC as per the terms of the Takeover Code.

EPC established in 1981 is based in Nasik, Maharashtra and is known for its 
quality  products. EPC has grown as one of the top five companies in  India 
in the micro-irrigation space.

Your  Company  already has a very strong presence in the Tractor  and  Farm 
machinery  business  and with the current entry in the micro  -  irrigation 
business, your Company would be in a position to serve the farmer in a much 
better way and create a strong differentiation for the brand 'Mahindra'.

3)  Demerger  of  the Non Fruit Business  of  Mahindra  Shubhlabh  Services 
Limited  into  your Company - The Honourable High Court  of  Judicature  at 
Bombay  has approved the Scheme of Arrangement between  Mahindra  Shubhlabh 
Services   Limited   ('MSSL')  and  your  Company  and   their   respective 
Shareholders  which  inter  alia  envisages demerger  of  the  Agri  Inputs 
Business  along  with  other  common assets  and  liabilities  ('Non  Fruit 
business') of MSSL into the Company.

4)  Strategic  Sale  of  part of the  Company's  Shareholding  in  Mahindra 
Consulting  Engineers  Limited ('MACE') to SAFEGE - a  France  based  Multi 
Disciplinary  Consultancy  Company - MACE, a subsidiary of the  Company  is 
engaged  in  engineering, project advisory  and  infrastructure  consulting 
activities   covering  urban  infrastructure,  water,   wastewater,   waste 
management,   environment,  urban  planning,   industrial   infrastructure, 
transportation, rural infrastructure, etc. 

MACE  entered  into a strategic partnership with SAFEGE,  France  and  post 
induction of the strategic partner, your Company holds 54.16% of the Equity 
Share  Capital of MACE, whilst 30.83% is held by SAFEGE and balance  15.01% 
is  held by Mahindra Consulting Engineers Employees Stock Option Trust  and 
/or its beneficiaries.

SAFEGE  activities are synergetic with thrust and growth  areas  identified 
for  Indian  Engineering  and  Infrastructure  consultancy.   'MACE-SAFEGE' 
partnership  will  be  a strategic vehicle to develop  business  in  India, 
neighbouring  countries  and  the  Middle  East  and  Asia  besides   other 
international  markets  in  identified areas of  activities.  Through  this 
strategic   partnership,   MACE  will  also  offer  support   to   SAFEGE's 
International  Assignments  and MACE would be well poised to  handle  large 
domestic projects in India requiring international expertise.

5) Joint Venture with Arabia Holdings Limited and Ras-Al-Khaimah  Transport 
Investments Co. LLC - Through its Mahindra Defence Systems Division  (MDS), 
your  Company has over the past eight years acquired a leadership  position 
in  India in the field of research, design, development and manufacture  of 
armoured  and  light military vehicles. In order to address the  large  and 
growing  market for uparmoured vehicles globally especially in  West  Asia, 
Central  Asia  and Africa, in June, 2010, your Company had entered  into  a 
Joint  Venture with Arabia Holdings Limited and Ras-Al-  Khaimah  Transport 
Investments  Co. LLC through its wholly owned subsidiary Mahindra  Overseas 
Investment Company (Mauritius) Limited to form a Joint Venture company viz. 
'Mahindra  Emirates Vehicle Armouring FZ LLC' or 'MEVA' in the  Emirate  of 
Ras-Al-Khaimah in the UAE for armouring of vehicles.

Your  Company  holds  a 51% stake in MEVA which would  design  and  develop 
ballistic  kits  for vehicle protection. The other Joint  Venture  partners 
would  provide necessary infrastructural support to MEVA  for  establishing 
the operations in the Emirate of Ras-Al-Khaimah. 

MEVA  intends  to  launch a number of MDS armoured  vehicles  such  as  the 
Marksman, the uparmoured Scorpio, Cash in Transit Van, etc. which have been 
very  successful  in India. MEVA will also be doing  armouring  of  non-MDS 
vehicles such as Toyota, Nissan, etc.

Stock Options

Pursuant  to  the approval of the Members at the  previous  Annual  General 
Meeting  held on 28th July, 2010, your Company has adopted  and  introduced 
Mahindra  &  Mahindra Limited Employees Stock Option Scheme  -  2010  ('New 
Scheme'). On the recommendation of the Remuneration/Compensation  Committee 
of  your Company, the Trustees of the Mahindra & Mahindra Employees'  Stock 
Option  Trust  have granted 32,16,758 Stock Options to  Eligible  Employees 
under  the  New Scheme. During the year under review, no new  Options  have 
been  granted under the Mahindra & Mahindra Limited Employees Stock  Option 
Scheme - 2000.

Details required to be provided under the Securities and Exchange Board  of 
India  (Employee  Stock Option Scheme and Employee Stock  Purchase  Scheme) 
Guidelines, 1999 are set out in Annexure I to this Report.

Industrial Relations

Industrial  Relations generally remained cordial and harmonious  throughout 
the year, apart from a one day illegal tool down strike by the Nashik Plant 
Workmen  to  press  for  their  demands  for  increase  in  wages  and  for 
upgradation  for a section of workmen. The loss of production for that  day 
was  compensated  within the same week and the Company did not  suffer  any 
loss.  On  the contrary, the highest ever production was  recorded  in  the 
month of March, 2011.

The  Management  Discussion and Analysis Report gives an  overview  of  the 
developments in Human Resources/Industrial Relations during the year. In  a 
restructuring  exercise  to  rightsize the work force,  your  Company  has, 
during  the  year  under  review accepted  Voluntary  Retirement  from  146 
employees at Kandivali Plant of the Farm Division. Your Company has set  an 
example  of  harmonious  industrial relationship by  celebrating  the  40th 
Anniversary  of uninterrupted existence of Union at Kandivali Plant of  the 
Farm Division.

Safety, Health and Environmental Performance

Health and Safety

Your  Company continues to demonstrate a strong commitment towards  Safety, 
Health  and Environment and as a part of the same, following  measures  and 
actions  were taken during the year under review. Your Company has a  well-
established Safety, Occupational Health & Environmental Policy.  Objectives 
and Targets derived from the Policy are supported by Management Programs.

The  Safety  & Occupational Health of its employees are  embedded  as  core 
organisational  values  of the Company. The Policy inter  alia  covers  and 
ensures   safety  of  public,  employees,  plant  and  equipment,   ensures 
compliance on a monthly basis, imparts training to all its employees  asper 
training calendar, carries out statutory safety assurance and auditsof  its 
facilities  as  per  legal  requirements,  conducts  regular  medical   and 
occupational  check-up  of  its  employees  and  promotes   health-friendly 
sustainable activities.

Fire  Service  Day  and Safety Week are being  celebrated,  Safety  Audits/ 
Inspection  alongwith Safety awareness training with benchmarks  on  safety 
performance are conducted. Your Company's Plants continued their commitment 
to  improve  the  well  being of its  employees  and  contract  workmen  by 
organising Occupational Health Examination Camps, medical check-ups, etc.

Through  stakeholder's engagement and employee's involvement, your  Company 
demonstrates its road map on the fundamentals of Planet, People and Profit. 
Various path breaking projects have been implemented by your Company in the 
areas of Air Pollution Management, Water and Waste Water Management,  Solid 
Waste Management and Greenbelt Development.

New Certifications

The  Sustainability Reporting System provides framework for your  Company's 
environmental  initiatives,  sets  objectives  and  targets  and  helps  in 
continually  improving  its  air quality by  controlling  emissions,  water 
pollution  and  minimising  waste from its processes.  All  Plants  of  the 
Automotive  Division  have  been certified with amended  standard  for  ISO 
14001:  2004 & OHSAS 18001:2007. Your Company's commitment  to  environment 
stems from the Mahindra Group's abiding concern for Stakeholder  engagement 
in and around the Society. Its nature of operations has a low impact on the 
environment by implementing Environment Management System wherein a healthy 
work  environment  is provided to its employees  and  environment  friendly 
businesses  are conducted. Besides, to bring cross cultural sensitivity  of 
the  Company's  business  associates, promotional  activity  towards  Green 
Supply Chain Management has also been initiated.

Implementation  of Occupational Health & Safety Management System  standard 
has re-enforced the Company's commitment of Safety and Occupational  Health 
to  the  highest  levels.  OHSAS 18001:2007 is  the  existing  best  safety 
practices  standard  which is implemented through  the  amended  Management 
System and all Plants of the Automotive Division have been certified during 
the  year 2010-11. The OHSAS system aims to eliminate or minimise  risk  to 
employees  and other interested parties who may be exposed to  Occupational 
Safety  risks  associated with its activities. Sustainable  development  is 
promoted  across  the  Division through sharing of best  practices  in  the 
fields of Safety, Occupational Health & Environment.

Corporate Social Responsibility

Through  its various Corporate Social Responsibility  ('CSR')  initiatives, 
the Mahindra Group is enabling entire communities to RISE'. With a  vision 
of  transforming the lives of youth from socially weaker  and  economically 
disadvantaged  sections  of  society, the Mahindra  Group  has  established 
various  scholarships and other educational initiatives which help  empower 
these  communities.  In  addition, other CSR initiatives  such  as  Project 
Hariyali  in the area of environment and supporting Lifeline  Express'  in 
the  area  of  health continue to drive positive change  in  the  lives  of 
communities.

CSR  continues to be an integral part of the vision of the  Mahindra  Group 
and this year too, your Company has pledged 1% of its Profit after Tax  for 
CSR   initiatives,  largely  to  benefit  the  socially  and   economically 
disadvantaged sections of Society.

Some  of the major initiatives your Company has invested in  are  described 
below:

A. Nanhi Kali

Nanhi  Kali  is  a  sponsorship program  that  supports  the  education  of 
disadvantaged  girl children in India. Through the Nanhi Kali  sponsorship, 
underprivileged  girls  are  provided not only academic  support  but  also 
uniforms,  school bags, shoes, etc. which allow the girls to attend  school 
with  dignity. Through the support of 8,000 donors, the Nanhi Kali  project 
is supporting the education of 70,000 underprivileged girls in 9 states  in 
India. The largest donor is the Mahindra Group which supports the education 
of 23,000 Nanhi Kalis.

B. Mahindra Pride Schools

2,400 students from socially weaker sections of Society have been  provided 
with livelihood training at Mahindra Pride School in Pune. The training  is 
provided  for those who wish to gain employment in the Hospitality  Sector, 
Information Technology Sector for BPOs and KPOs and the Retail Sector.  The 
composition  of  students consists of scheduled caste and  scheduled  tribe 
youth,  most  of  whom  have not  even  completed  their  education.  After 
completing  their  training,  100%  of the students  have  been  placed  in 
lucrative  jobs.  The second Mahindra Pride School was  opened  in  Chennai 
early  this year. This school would train approximately 600 students  in  a 
year.

C. Scholarships & Grants

Mahindra  All India Talent Scholarships was awarded to students from  lower 
socio  economic strata of society who wish to pursue job  oriented  Diploma 
Courses  in  Government Polytechnics. The K. C. Mahindra  Scholarships  for 
Post-Graduate  studies  abroad provide interest free loan  scholarships  to 
various  deserving  students.  Your Company is also  supporting  15  Mumbai 
Public  Schools  which provide quality English medium public  education  to 
students  from  lower  socio economic strata of  Society.  

Employee Social Options

Your  Company  is  tapping  the potential hidden within  each  one  of  its 
employees  to make a sustainable society; one which is healthier,  cleaner, 
greener  and  more  literate. The Mahindra Workforce  is  a  powerhouse  of 
inexhaustible  energy where people work with passion in abundance and  also 
for  the betterment of the Society. Through your Company's Employee  Social 
Options  (ESOPs) program many Mahindra employees are  contributing  towards 
making difference to Society.

Your   Company's   ESOPs  program  encourages   employees   in   supporting 
volunteering projects based on the needs of underprivileged communities  in 
and  around  their places of work. Employees generate ideas  for  projects, 
prepare annual activity plans, implement each activity and monitor results. 
To fund these Employee initiatives, each Sector donates 0.5 percent of  its 
profit after tax to the ESOPs Central CSR fund.

During  the  year  under review, 15,147 employees  volunteered  in  various 
initiatives contributing 73,509 man-hours in various social initiatives  in 
and around their local communities.

Some  of the notable ESOPs initiatives this year were the Lifeline  Express 
in Farrukhabad for performing surgeries free of cost, Mahindra Hariyali for 
planting one million trees, ESOPs Awards - 2010, etc.

Your  Company's  ESOPs activities also included initiatives  in  Education, 
Health,  Environment  and  others having short term as well  as  long  term 
impact on the beneficiaries.

Sustainability' Initiative

Your  Company embarked on the sustainability journey in November, 2007  and 
over  these  last  four  years  has laid  a  foundation  for  developing  a 
sustainable  enterprise. Conscious efforts have been made to  consider  the 
impact of the Company's business on the environment and its  responsibility 
towards the communities in which it operates, besides focussing on economic 
progress.  During the year, your Company's triple bottom  line  performance 
for  2009-10 was published in accordance with the latest guidelines of  the 
internationally  accepted Global Reporting Initiative or the GRI  standards 
and  like in case of the previous two Reports, this Report  was  externally 
assured by Ernst & Young with an A+ rating and GRI checked. The Report  for 
the year 2010-11 is under preparation and will be released shortly.

During the year 2009-10, a Carbon foot-printing exercise was undertaken  to 
inventorise GHG emissions from all your Company's business operations under 
Scope  I, II and III emissions as per internationally  accepted  standards. 
This  has  enabled the Company to establish a baseline on  emissions.  This 
will  be an ongoing exercise and continuous reduction in the GHG  intensity 
of all products and processes, will be the Company's constant endeavour.

The  focus all along has been on transparent and  comprehensive  reporting, 
due  to which your Company has been ranked in the list of top 10  companies 
in India by the Carbon Disclosure Leadership Index 2010 and the Standard  & 
Poor ESG India Index 2010. Your Company also secured a second place in  the 
Green  Business Leadership Awards 2010-11, instituted by Financial  Express 
and Emergent Ventures.

Being  conscious of the fact that the Company's products touch  many  lives 
and  livelihoods in many ways and that the progress of many communities  is 
linked  to  the Company's success, with a continued use  of  the  strategic 
approach of ALTERNATIVE THINKING', your Company is committed to creating a 
sustainable enterprise.

Directors

Mr. Anand G. Mahindra, Mr. Bharat Doshi, Mr. Nadir B. Godrej and Mr. M.  M. 
Murugappan retire by rotation and, being eligible, offer themselves for re-
appointment.

Directors' Responsibility Statement

Pursuant  to Section 217(2AA) of the Companies Act, 1956,  your  Directors, 
based  on the representations received from the Operating  Management,  and 
after due enquiry, confirm that:

(i)  in the preparation of the annual accounts, the  applicable  accounting 
standards have been followed;

(ii) they have, in the selection of the accounting policies, consulted  the 
Statutory Auditors and these have been applied consistently and  reasonable 
and prudent judgments and estimates have been made so as to give a true and 
fair view of the state of affairs of the Company as at 31st March, 2011 and 
of the profit of the Company for the year ended on that date;

(iii)  proper  and sufficient care has been taken for  the  maintenance  of 
adequate  accounting  records  in accordance with  the  provisions  of  the 
Companies  Act,  1956 for safeguarding the assets of the  Company  and  for 
preventing and detecting fraud and other irregularities;

(iv) the annual accounts have been prepared on a going concern basis. 

Subsidiary Companies

The  subsidiary  companies of your Company continue to  contribute  to  the 
overall  growth  of  the Company. Major subsidiaries  such  as  Mahindra  & 
Mahindra   Financial  Services  Limited  with  a  38.49%  growth   in   its 
consolidated  profits  and  Mahindra Lifespace Developers  Limited  with  a 
37.81%  growth  in its consolidated profits deserve  special  mention.  The 
consolidated  Group  Profit  for the year after  exceptional  items,  prior 
period  adjustments  and  tax and after  deducting  minority  interests  is 
Rs.3,079.73  crores as against Rs. 2,478.56 crores earned in  the  previous 
year.

During  the year under review, Mahindra Aerospace Australia  Pty.  Limited, 
Aerostaff  Australia Pty. Limited, Mahindra Reva Electric Vehicles  Private 
Limited  (earlier  known  as Reva Electric Car  Company  Private  Limited), 
Bristlecone  Consulting  Limited, Anthurium  Developers  Limited,  Watsonia 
Developers  Limited,  Gipp Aero Investments Pty.  Limited,  Gippsaero  Pty. 
Limited,  GA8  Airvan  Pty.  Limited, GA200  Pty.  Limited,  Airvan  Flight 
Services Pty. Limited, Gipp Aero International Pty. Limited, Nomad TC  Pty. 
Limited,  Mahindra  Emirates Vehicle Armouring FZ-LLC, Mahindra  Solar  One 
Private   Limited,   Mahindra  BPO  Services  Private   Limited,   Mahindra 
Aerostructures Private Limited, Ssangyong Motor Company Limited,  Ssangyong 
European  Parts  Center  B.V.,  Ssangyong  Motor  (Shanghai)  Co.  Limited, 
Ssangyong  (Yizheng) Auto Parts Manufacturing Co. Limited and Mahindra  EPC 
Services Private Limited became subsidiaries of your Company.

During  the year under review, ID-EE S.r.l. and Mahindra Solar One  Private 
Limited ceased to be subsidiaries of the Company.

The Statement pursuant to Section 212 of the Companies Act, 1956 containing 
details of the Company's subsidiaries is attached.

In accordance with the General Circular issued by the Ministry of Corporate 
Affairs,  Government of India, the Balance Sheet, Profit and  Loss  Account 
and other documents of the subsidiary companies are not being attached with 
the  Balance  Sheet  of the Company. The Company will  make  available  the 
Annual  Accounts  of  the subsidiary companies  and  the  related  detailed 
information to any Member ofthe Company who may be interested in  obtaining 
the  same. Further, the Annual Accounts of the subsidiaries would  also  be 
available  for inspection by any Member at the Head Office of  the  Company 
and  at the Office of the respective subsidiary companies,  during  working 
hours upto the date of the Annual General Meeting.

Consolidated Financial Statements

The Consolidated Financial Statements of the Company and its  subsidiaries, 
prepared  in  accordance with Accounting Standard AS21 form  part  of  this 
Annual Report.

The Consolidated Financial Statements presented by the Company include  the 
financial  results of its subsidiary companies, associates,joint  ventures, 
etc.

Auditors

Messrs. Deloitte Haskins & Sells, Chartered Accountants, retire as Auditors 
of the Company and have given their consent for reappointment. The  Members 
would  be  required to elect Auditors for the current year  and  fix  their 
remuneration.

As  required under the provisions of Section 224(1B) of the Companies  Act, 
1956,  the  Company  has  obtained a written  Certificate  from  the  above 
Auditors  proposed  to  be  re-appointed  to  the  effect  that  their  re-
appointment,  if made, would be in conformity with the limits specified  in 
the said section.

Cost Auditors

As per the Order of the Central Government and in pursuance of Section 233B 
of  the Companies Act, 1956, your Company carries out an audit of its  cost 
records. The due date for filing of the Cost Audit Report with the Ministry 
of Corporate Affairs for the financial year ended 31st March, 2010 was 30th 
September,  2010. This Report was filed on 24th September, 2010. The  Board 
of Directors of your Company has upon recommendation of the Audit Committee 
appointed  M/s.  N.  I. Mehta & Co., Cost Accountants  to  audit  the  cost 
accounts  of  the Company for the financial year ending 31st  March,  2012, 
subject  to the approval of the Central Government. As required  under  the 
provisions  of Section 224(1B) of the Companies Act, 1956, the Company  has 
obtained  a written confirmation from M/s. N. I. Mehta & Co. to the  effect 
that they are eligible for appointment as Cost Auditors under Section  233B 
of the Companies Act, 1956.

Public Deposits and Loans/Advances

Out  of the total 14,047 deposits of Rs. 93.09 crores from the  Public  and 
Shareholders  as  at 31st March, 2011, 190 deposits amounting to  Rs.  0.82 
crores had matured and had not been claimed as at the end of the  Financial 
Year. Since then, 63 of these deposits of the value of Rs. 0.45 crores have 
been claimed.

The  particulars  of  loans/advances and investment in its  own  shares  by 
listed  companies,  their subsidiaries, associates, etc.,  required  to  be 
disclosed  in the Annual Accounts of the Company pursuant to Clause  32  of 
the Listing Agreement are furnished separately.

Current Year

During  the period 1st April, 2011 to 29th May, 2011, 50,216 vehicles  were 
despatched  as against 47,022 vehicles during the corresponding  period  in 
the previous year. During the same period, 40,971 tractors were  despatched 
as  against 30,302 tractors despatched during the corresponding  period  in 
the previous year.

With  both input costs and interest rates rising, the economic  environment 
is  significantly more challenging today than it was a year  ago.  However, 
the  Company  expects  to meet these challenges, through  its  intense  and 
continuous  focus on cost controls, innovation, product quality and  market 
diversification.

Energy  Conservation, Technology Absorption and Foreign  Exchange  Earnings 
and Outgo

Particulars  required  to be disclosed under the Companies  (Disclosure  of 
Particulars in the Report of Board of Directors) Rules, 1988 are set out in 
Annexure II to this Report.

Particulars of Employees

The  Company had 113 employees who were in receipt of remuneration  of  not 
less than Rs. 60,00,000 during the year ended 31st March, 2011 or not  less 
than  Rs. 5,00,000 per month during any part of the said year. However,  as 
per  the provisions of Section 219(1) (b)(iv) of the Companies  Act,  1956, 
the Directors' Report and Accounts are being sent to all the Members of the 
Company  excluding  the Statement of particulars of employees.  Any  Member 
interested  in obtaining a copy of the Statement may write to  the  Company 
Secretary of the Company.

                                             For and on behalf of the Board

                                             KESHUB MAHINDRA
                                             Chairman
Mumbai, 30th May, 2011

ANNEXURE-I TO THE DIRECTORS' REPORT FOR THE YEAR ENDED 31ST MARCH, 2011

Information  to  be disclosed under the Securities and  Exchange  Board  of 
India  (Employee  Stock Option Scheme and Employee Stock  Purchase  Scheme) 
Guidelines, 1999:

a. Options granted    : Mahindra & Mahindra Limited Employees Stock Option 
                        Scheme - 2000 ('2000 Scheme') - 1,51,80,898

                        Mahindra & Mahindra Limited Employees Stock Option 
                        Scheme - 2010 ('2010 Scheme') - 32,16,758

b. The pricing formula: 


2000 Scheme:

* 1st Tranche Average price preceding the specified date - 27th  September, 
2001

* 2nd Tranche Average price preceding the specified date - 30th May, 2003

* 3rd TrancheDiscount of 5.13% on the average price preceding the specified 
date - 31st May, 2004

*  4th  Tranche  Discount  of 4.85% on  the  average  price  preceding  the 
specified date - 30th May, 2005

* 5th Tranche Average price preceding the specified date - 14th  September, 
2005

* 6th Tranche Discountof 5.02% on the average price preceding  thespecified 
date - 29th May, 2006

*  7th  Tranche  Discount  of 4.89% on  the  average  price  preceding  the 
specified date 13th September, 2006

*  8th  Tranche  Discount  of 4.97% on  the  average  price  preceding  the 
specified date - 30th July,2007

*  9th  Tranche  Discount  of 5.03% on  the  average  price  preceding  the 
specified date - 4th August, 2008

*  10th  Tranche  Discount  of 4.97% on the  average  price  preceding  the 
specified date - 30th July, 2009


2010 Scheme:

* 1th Tranche Options issued at Par specified date -29th October, 2010

Average price :     Average of the daily high and low of the prices for the 
                    Company's Equity Shares quoted on Bombay Stock Exchange 
                    Limited during 15 days preceding the specified date.

The specified :     Date on which the Remuneration/Compensation Committee 
date                decided to recommend to the Mahindra & Mahindra 
                    Employees' Stock Option Trust ('Trust'), the grant of 
                    Options.

c. Options vested : 2000 Scheme - 1,07,24,944
                    2010 Scheme - Nil

d. Options        : 2000 Scheme - 77,75,337
exercised           2010 Scheme - Nil

e. The total number: 45,88,703 Equity Shares of Rs.10 each. These were 
of shares arising    transferred from the Trust to the Eligible 
as a result of       Employees prior to sub-division of the Face Value 
exercise of option   of Equity Share from Rs.10 to Rs.5.
                     31,86,634 Equity shares of Rs.5 each were transferred 
                     from the Trust to the Eligible Employees during the
                     period 1st April, 2010 to 31st March, 2011.

f. Options lapsed    2000 Scheme - 10,88,767
                     2010 Scheme - 3,888

g. Variation of      At the Sixty-first Annual General Meeting of the 
terms of options     Company held on 30th July, 2007, 2000 Scheme was
                     amended to provide for recovery from Eligible 
                     Employees, the fringe benefit tax in respect of 
                     Options which are granted to or vested or exercised 
                     by the Eligible Employees on or after 1st April, 2007.

h. Money realised    2000 Scheme - Rs.1,75,39,72,669
by exercise of       2010 Scheme - Nil
options              This amount was received by the Trust.

i. Total number of   2000 Scheme - 63,16,794
options in force     2010 Scheme - 32,12,870

j. Employee-wise 
details of options
granted to:

(i) Senior           As per Statement attached
managerial 
personnel 

(ii)  Any  other employee who receives a grant in any one  year  of  option 
amounting to 5% or more of option granted during that year:

2000 Scheme:

Names                         Options granted
                              during the year
                              ended 31st March, 2004*

Mr. Raghunath Murti                15,000
Mr. Hemant Luthra                  15,240
Mr. Ramesh lyer                    25,920
-                                       -

Names                         Options granted
                              during the year
                              ended 31st March, 2005*

Mr. Pranab Datta                   15,240
Mr. Rajeev Dubey                   15,000**
Mr. Allen Sequeira                 10,160
Mr. Prince M. Augustin              5,080

* The Options granted stand augmented by an equal number of Options and the 
Exercise  Price  stands reduced to half on account of the 1:1  Bonus  Issue 
made in September, 2005.

**  The  Options  granted and outstanding as of  30th  March,  2010,  stand 
augmented  by  an  equal number of Options and the  Exercise  Price  stands 
reduced  to half on account of the subdivision of the Face Value of  Equity 
Share from Rs.10 to Rs.5.

2010 Scheme:   Nil

(iii)  Identified employees who were granted option, during any  one  year, 
equal  to  or  exceeding 1%of the  issued  capital  (excluding  outstanding 
warrants and conversions) of the company at the time of grant:

Nil.

k. Diluted Earnings Per Share (EPS) pursuant to issue of shares on exercise 
of  option  calculated  in  accordance with  Accounting  Standard  (AS)  20 
'Earnings per Share':

Rs.44.33.

l. Where the company has      The Company has calculated the employee
calculated the employee       compensation cost using the intrinsic  
compensation cost using       value of stock options. Had the fair   
the intrinsic value of        value method been used, in respect of  
the stock options, the        stock options granted on or after 30th 
difference between the        June, 2003, under 2000 Scheme and 2010 
employee compensation cost    Scheme, the employee compensation cost 
so computed and the           would have been higher by Rs.11.40     
employee compensation cost    crores, Profit after tax lower by      
that shall have been          Rs.11.40 crores and the basic and      
recognised if it had used     diluted earnings per share would have  
the fair value of the         been lower by Rs.0.20 and Rs.0.19      
options, shall be             respectively.                          
disclosed. The impact of
this difference on profits 
and on EPS of the company 
shall also be disclosed.

m.   Weighted-average                          2010 Scheme
exercise prices and           Options Grant   Date Exercise     Fair value
weighted-average fair                           price   
values of options shall 
be disclosed separately                          (Rs.)             (Rs.)
for options whose exercise 
price either equals or        28th January,       5.00             649.70
exceeds or is less than       2011 
the market price of the 
stock.

n. A description of the       The fair-value of the stock options granted  
method and significant        under 2010 Scheme have been calculated using 
assumptions used during       Black-Scholes  Options pricing Formula and   
the year to estimate the      the significant assumptions made in this     
fair values of options,       regard are as follows:                       
including the following 
weighted-average 
information:

(i) risk-free interest rate,                 7.92%

(ii) expected life,                          1.25 years

(iii) expected volatility,                   45.73%

(iv) expected dividends, and                 2.03%

(v) the price of the underlying
share in market at the time of
option grant.                                Rs.697.90

STATEMENT  ATTACHED  TO ANNEXURE I TO THE DIRECTORS' REPORT  FOR  THE  YEAR 
ENDED 31ST MARCH, 2011

Name of Senior                       2000 Scheme                       2010 
Managerial                                                           Scheme
Persons to whom   
Stock Options     Options   Options   Options   Options   Options   Options
have been         granted   granted   granted   granted   granted   granted 
granted          in Dec.,  in June,  in Sep.,   in July,  in Aug.,       in     
                    2001*      2005  2006 ($$)  2007      2008        Jan.,  
                              **($)             ($$$)     ($$$$)       2011   
                                                                    ($$$$$)

Mr. Deepak S. 
Parekh            20000       5000         Nil       Nil        Nil     Nil

Mr. Nadir B.
Godrej            20000      *5000         Nil       Nil        Nil     Nil

Mr. M.M. 
Murugappan        20000      *5000         Nil       Nil        Nil     Nil

Mr. Narayanan 
Vaghul            20000      *5000         Nil       Nil        Nil     Nil

Dr. A.S.Ganguly   20000      *5000         Nil       Nil        Nil     Nil

Mr. R.K.Kulkarni  20000      *5000         Nil       Nil        Nil     Nil

Mr. Anupam Puri   20000    5000***         Nil       Nil        Nil     Nil

Mr. Bharat Doshi 100000  *10000***  *11,345***  8,362***  29,039***  71,080

Mr. A.K. Nanda   100000    *10,000   11,345***  8,362***  24,890***     Nil

Options granted   Vesting period         Exercise period       Exercise 
on                                                             price

($) June, 2005   Already vested in       Within five years     Rs.454 per 
                 June, 2006              from the date of      share**
                                         vesting

($$) Sep., 2006  Four equal instalments  On the date of        Rs.616 per 
                 in Sep., 2007, 2008,    Vesting or within     share
                 2009 & 2010             five years from the
                 respectively            date of Vesting

($$$) July,      Four equal              On the date of        Rs.762 per
2007             instalments in          Vesting or within     share     
                 July, 2008, 2009,       five years from the 
                 2010 and 2011           date of Vesting     
                 respectively 

($$$$) August,   Four equal              On the date of        Rs.500 per 
2008             instalments in          Vesting or            share 
                 August, 2009,           within five    
                 2010, 2011              years from the 
                 and 2012                date of Vesting
                 respectively  

($$$$$) Jan.,    Five equal              On the date of        Rs.5 per 
2011             instalments in          Vesting or            share
                 January 2012,           within six     
                 2013, 2014, 2015        months from the
                 and 2016                date of Vesting
                 respectively    

* All the above Options have been exercised.

**  The Options granted stands augmented by an equal number of Options  and 
the Exercise Price stands reduced to half on account of the 1:1 Bonus Issue 
made in September, 2005.

*** Further, the number of Stock Options granted and outstanding as on 30th 
March,  2010, stands augmented by an equal number of Options  and  Exercise 
Price  stands reduced to half on account of Sub-division of  each  Ordinary 
(Equity) Share of the Company having a Face Value of Rs.10 each fully paid-
up  into  2 (Two) Ordinary (Equity) Shares of the Face Value of  Rs.5  each 
fully paid-up.

ANNEXURE-II TO THE DIRECTORS REPORT FOR THE YEAR ENDED 31ST MARCH, 2011

PARTICULARS  AS PER THE COMPANIES (DISCLOSURE OF PARTICULARS IN THE  REPORT 
OF  BOARD  OF  DIRECTORS) RULES, 1988 AND FORMING PART  OF  THE  DIRECTORS' 
REPORT FOR THE YEAR ENDED 31ST MARCH, 2011

A) Conservation of Energy

Your  Company  has always been conscious of the need  for  conservation  of 
energy  and  has  been steadily making progress towards  this  end.  Energy 
conservation  initiatives  have  been implemented at  all  the  plants  and 
offices  of  the  Company  by  undertaking  numerous  energy   conservation 
projects.

Your  Company ensures strict compliance with all statutory requirements  at 
all  its  plants/  units  and  takes  several  voluntary  steps  like  Zero 
Discharge, reduced consumptionof water, deploying reduce, recycle and reuse 
approach  and takes various other steps as explained  under  sustainability 
initiatives of the Company.

Your  Company  has also implemented following activities to  ensure  better 
environment:

* Reduce Green Gas Emission.

* Increased green zones.

* Effective effluent treatment.

* Waste monitoring and reduction.

*  Recycling and reuse of waste/used water such that there is virtually  no 
water discharge.

* Reducing solid waste and Eco friendly waste disposal.

* Saving of natural resources like water, fuel, etc.

* Ambient and work place air monitoring.

(a)  During the year, the Company has taken the following  initiatives  for 
conservation of energy:

(i) Engineering Initiatives

* Installation of heat recovery equipment for furnaces and ovens.

*  Use  of  Piped  Natural Gas in place  of  electrical  heating  for  heat 
treatment and industrial washing.

* Installation of LPG flux saver in ovens.

*   Multiple   initiatives  to  maintain  power  factor  and   hence   gain 
incentive/rebate from power supply company.

* Installation of energy efficient screw chiller for Paint Shop and central 
air conditioning.

* Introduction of energy efficient pumps.

* Installation of VFDs (Variable frequency drives) at select locations.

* Auto switching on-off timer for surrounding lights and boundary lights.

* Theme called 'C3= CUT COST OF COMPRESSED AIR' taken up and implemented in 
many  projects  e.g. Installation of smaller capacity air  compressors  for 
feeding  compressed  air  to limited areas on  non-production  days,  timer 
operated valves for air lines, dedicated low pressure lines for cleaning.

* Installation of solar panels and LED lights.

*  Installation  of  metal halide lamps instead  of  sodium/mercury  vapour 
lamps.

* Rainwater harvesting.

*  Installation  of natural draft cooling towers instead of  induced  draft 
cooling systems.

(ii) Process Improvement

*   Cycle  time  reduction  of  various  manufacturing  processes   through 
introduction of new technology and process improvement.

*  Optimising  temperature  settings on HVAC  units,  considering  seasonal 
changes.

* Improve capacity utilisation in Paint Shop through modification of  skids 
and trolley.

* Installation of spring loaded water taps at main canteen.

(iii) Initiatives Generating Awareness on Energy Consumption.

*  Extensive  involvement  of shop floor  operating  teams  in  improvement 
activities and projects. Some examples are -

- Periodic checking of Pressure Regulators, Air Leakage audits.

-  Shift  from  continuous  to  intermittent  operation  of  motors  (where 
possible).

- Optimisation of overhead lights.

* Display of sustainability posters on workplace.

* Display and sale of Energy efficient products for employees.

* Booklet on 'Resource Conservation' is published for internal circulation.

* Guest lecture and quiz competition on 'Sustainable Growth through  Energy 
Conservation'.

*  Extend energy conservation campaigns to suppliers and to nearby  schools 
and colleges.

* Celebration of World earth day.

* Reward and recognition for energy saving projects.

(b)  Additional  investments and proposals, if any, being  implemented  for 
reduction of consumption of energy

* Baltimore efficient Cooling Tower.

* ASU heating with heat recovery from Top coat and Surfacer Oven objects in 
Paint Shops.

* Improvement in efficiency of air conditioning units.

* Application of efficient Magnetic coupled lighting.

* VFD for Pumps.

* Heat Pump for Washing Machine heating.

* PNG hot water Generator for Washing Machine heating.

(c)  Impact  of  the measures at (a) & (b) above for  reduction  in  energy 
consumption and consequent impact on the cost of production of goods.

The  measures  taken  have resulted in lower  energy  consumption.  In  the 
Automotive  Division, the specific power consumption improved by 4.3%  over 
the previous year and the Farm Division achieved an improvement of 6.1%.

During  the current year, the Company has won several awards  at  National/ 
State/ Regional level for energy management and Environment protection.

B) Technology Absorption

Research & Development:

1. Areas in which Research & Development is carried out:

During the year under review, the Automotive Division focused on technology 
upgradation  in core areas of engine technology, safety, value  engineering 
through  the use of modern manufacturing processes, alternate material  and 
developing  capabilities  in  automotive  electronics.  The  Farm  Division 
focused  on retaining fuel efficiency advantage while meeting the  upcoming 
engine  emission  norms on total range of the engines with  improvement  in 
engine  technology  and carrying out new product development.  Also  beyond 
tractor,  efforts were focused on development of a range  of  mechanisation 
solutions.

2. Benefits derived as a result of the above efforts: 

Some significant achievements in the Automotive Division include the launch 
of Genio, Gio Cab and Maxximo Van.

Genio  is  the next generation 1.2 tonne pick-up powered by a  modern  CRDe 
engine.  The Genio comeswith many safety features which are a first in  the 
pickup  category  in India. To name a few - LSPV brakes  which  adjust  the 
braking  pressure  depending  on the load of the  vehicle,  ELR  (Emergency 
Locking  Retract) seat belts for the driver and co-driver, Radial  tubeless 
tyres which do not burst in case of a puncture and adjustable steering  and 
immobiliser.

The Company also launched India's most affordable four wheeler Compact  Cab 
Gio,  equipped with modern styling, car like comfort and  safety  features. 
With  a  driver + 6 seating configuration, the Gio Cab is set  to  redefine 
last mile public transportation across India.

The  Maxximo  Van with the advanced C2 CRDe engine was launched  in  April, 
2011. The stylish van with spacious 8-seats promises best-in-class  comfort 
is  set to re-define the entry-level Contract Carriage and  Stage  Carriage 
segments.

Moving  on  to the Farm Division, in the domestic market, the  Company  has 
successfully  launched the Arjun Multi Application  Tractor,  strengthening 
your  Company's position in the segment of greater than 50HP. In  addition, 

refresh models across the domestic range were launched during the course of 
the year.

Engines  of  all  tractor models have been upgraded to  meet  the  upcoming 
Bharat Term IIIA emission norms. New models/variants with reduction in fuel 
consumption as well as comfort factors like power steering were introduced.

In the international space, the integrated cabin tractor was extended to 70 
HP segment - Model 7060. Compact tractor is also very well accepted in  the 
US  market  and  the range has been expanded by offering  3  new  different 
transmission options - Gear, Hydrostatic transmission and Power shuttle.

In  the mechanisation space, the next generation loader with bucket  having 
superior  reach,  advanced rotavator optimised for  Indian  conditions  and 
localised  rice  transplanter are some of the key  developments  that  will 
benefit the consumer in the time to come. 

The  in-house  engine  development effort resulted in  higher  kVA  engines 
adding   to   the  Mahindra  Powerol  portfolio.   Going   beyond   regular 
applications,   the   in-house  developed  engines   are   finding   unique 
applications,  including  powering  the  Brahmos  missile  launcher,   thus 
contributing to national security. 

During  the  year, Auto and Farm Divisions filed 35 new  patents,  while  4 
patents were granted.

3. Future plan of action

Your  Company  continues  its  efforts  on  developing  new  products   and 
technologies   to  meet  the  ever  growing  customer   needs,   regulatory 
requirements,  competitive  pressures  and  to  prepare  for  the   future. 
Sustainable  mobility solutions are a key focus area and your Company  will 
continue to aggressively pursue technology development in these areas. Some 
of  the  key thrust areas in this direction are weight reduction  by  using 
alternate  materials, designing modularity to take care of  variants,  VAVE 
(Value  Analysis  Value Engineering) approach for meeting  cost  pressures. 
Development  and adaptation of safety technologies also remain a key  focus 
area. On the Farm Division side, the Company remains committed to  offering 
Farm Tech Prosperity to all stakeholders.

4. Expenditure on R&D

The  Company spent Rs.739.25 crores (including Rs.349.68 crores on  Capital 
Expenditure)  for Research and Development work during the year, which  was 
approximately 2.85% of the total turnover.

Besides the above, the Research and Development Expenditure incurred by the 
Company since 2004-05 in recognised R & D units is as follows:

                                                            (Rs. in crores)
Particulars               A      B      C       D       E       F      G 

Revenue Expenditure     30.02  64.02  90.31  191.52  220.09  248.25  376.85

Development Expenditure  2.26   5.39  17.85   53.97  128.94  131.28  127.41

Capitalisation 
of Assets                6.52   8.15  26.40   44.67   15.64   41.64  323.33

A = Year ended 31.03.2005
B = Year ended 31.03.2006
C = Year ended 31.03.2007
D = Year ended 31.03.2008
E = Year ended 31.03.2009
F = Year ended 31.03.2010
G = Year ended 31.03.2011

Technology Absorption, adaptation and innovation:

1.  Efforts,  in brief, made towards technology  absorption,  adaption  and 
innovation

Your  Company has continued its endeavour to absorb  advanced  technologies 
for  its product range to meet the requirements of a  globally  competitive 
market.  All of the Company's Vehicles, Engines and Tractors are  compliant 
with  the prevalent regulatory norms in India and also in the countries  to 
which  they  are  exported. Your Company is making  good  progress  in  its 
programs  for  development of vehicles which would run on  alternate  fuels 
like  CNG, Biodiesel, Hydrogen and Electric traction. The Acquisition of  a 
majority  stake  in  Mahindra Reva Electric Vehicles  Private  Limited  has 
substantially helped your Company to leapfrog in EV technology capability.

2. Benefits derived as a result of the above efforts

*  Compliance with new emission norms introduced in India with effect  from 
1st April, 2010.

*  Launch  of  Genio  Pick up, Gio Cab,  Maxximo  Van,  THAR,  Arjun  Multi 
Application  Tractor, next generation loader, localised  rice  transplanter 
and other implements suitable for Indian conditions.

* Build a knowledge base for the Company.

*  Emphasis  on  value  analysis/value  engineering  and  innovative   cost 
reduction ideas to cut down costs.

3. Imported Technology for the last 5 years

Sr. Technology Imported                         Year      Status
No.

1  Transmission Design of Compact Tractor       2006  Technology Absorbed
2  Development of Integrated Cabin for Tractor  2006  Technology Absorbed
3  Hydrophilic Nano coated Feature              2007  Technology Absorbed
4  Automatic Transmission for SUV               2007  Technology Absorbed
5  Transmission for new SUV                     2007  Technology Absorbed
6  New Generation system for Brakes for SUV     2007  Technology Absorbed
7  New Electricals & Electronics Features       2007  Technology Absorbed
8  CNG engines for LCV                          2007  Technology Absorbed
9  Common Rail Diesel on Light commercial 
   vehicle                                      2007  Technology Absorbed
10 Next generation Common rail adaptation       2007  Technology Absorbed
11 Hydrogen ICE                                 2007  Technology Absorbed
12 Fuel Cell Vehicle Development                2007  Technology Absorbed
13 2nd Generation Biofuels (Biomass to 
   Liquid /Gas to Liquid)                       2007  Technology Absorbed
14 Hybrid Vehicles                              2008  Technology Absorbed
15 Transmission Upgrade                         2008  Technology Absorbed
16 Electricals & Electronics Update             2008  Technology Absorbed
17 Design for New Tractor Transmission          2008  Technology Absorbed
18 Start Stop Micro Hybrid                      2009  Technology Absorbed
19 New Generation Engine Management System      2009  Technology Absorbed
20 CNG Engines for Pickups/3 Wheelers           2009  Technology Absorbed
21 Electronic Programs for Safety, Stability 
   & Steering Control                           2009  Technology Absorbed
22 CAN Based Networking                         2009  Technology Absorbed
23 New Airbag Program                           2009  Technology Absorbed
24 Advanced Materials Technologies              2009  Technology Absorbed
25 Development of components using alternate 
   materials & advanced manufacturing           2010  In the process of 
   processes                                          Absorption

26 Engine upgrades and Emission improvement     2010  In the process of 
   technologies                                       Absorption

27 New transmissions for compact vehicles and   2010  In the process of 
   Utility vehicles                                   Absorption

28 Technology for NVH management                2010  Technology Absorbed

29 Electrical and electronic technologies for   2010  In the process of 
   safety, infotainment and convenience               Absorption
   feature addition

30 Alternate fuel technologies                  2010  In the process of 
                                                      Absorption

31 New suspension system for improved comfort   2010  In the process of 
                                                      Absorption

32 Development of digital service interface     2010  In the process of 
                                                      Absorption

33 Agri Implements Technology transfer          2010  In the process of 
                                                      Absorption

34 Electric Vehicle Technology                  2011  In the process of 
                                                      Absorption

35 Advanced Engine Technologies                 2011  In the process of 
                                                      Absorption

36 Advanced Propulsion Technologies             2011  In the process of 
                                                      Absorption

C) Foreign Exchange Earnings and Outgo:

The  Company  continues to strive to improve its export  earnings.  Further 
details in respect of exports are set out elsewhere in the Annual Report.

The information on foreign exchange earnings and outgo is furnished in  the 
Notes on Accounts.

                                          For and on behalf of the Board

                                          KESHUB MAHINDRA
                                          Chairman
Mumbai, 30th May, 2011

Particulars  of loans/advances and investment in its own shares  by  listed 
companies,  their subsidiaries, associates, etc., required to be  disclosed 
in the Annual Accounts of the Company pursuant to Clause 32 of the  Listing 
Agreement.

Loans and advances in nature of loans to subsidiaries:

                                                            (Rs. in crores)
Name of the Company                     Balances as on 31st         Maximum 
                                                March, 2011     outstanding   
                                                            during the year

Mahindra & Mahindra Financial Services Limited         0.00          100.00
Bristlecone India Limited                              8.03            8.03
Mahindra Gujarat Tractor Limited                       1.00            1.00
Mahindra Shubhlabh Services Limited                    8.00            8.00
NBS International Limited                              2.00            2.00
Bristlecone Limited                                   80.90           81.91
Mahindra Overseas Investment Company 
(Mauritius) Limited                                   74.63           86.86
Mahindra Engineering & Chemical Products Limited     126.63          126.63
Mahindra Two Wheelers Limited                        148.00          148.00
Mahindra Vehicle Manufacturers Limited                 0.00          230.00
Mahindra Holdings Limited                              0.00           25.00
Mahindra Automotive Australia Pty Ltd.                 0.00            6.17
Ssangyong Motor Company Limited                      387.01          387.01

Loans and advances in the nature of loans to Associates:

Vayugrid Marketplace Services Private Limited          8.00            8.00

Except as indicated above, the Company has not made any loans and  advances 
in the nature of loans to associates or loans and advances in the nature of 
loans where there is no repayment schedule or repayment beyond seven  years 
or no interest or interest below section 372A of the Companies Act, 1956.



MANAGEMENT DISCUSSION AND ANALYSIS

Mahindra  & Mahindra Limited ('M&M') or ('Mahindra') is the flagship  brand 
of  the  Mahindra  Group,  which consists of  130  companies  with  diverse 
businesses across the globe and aggregate revenues of US $ 12.5 billion.

2010-11  was  an epochal year in the life of your 65 year old  Company.  It 
unveiled  its new brand position, Rise - a simple yet powerful  verb  which 
succinctly sums up the aspirations of not only the Company's employees  but 
all  the Company's Stakeholders. Customers across the world share a  common 
desire to Rise, to succeed and create a better future for themselves, their 
families and their communities. The Company's Core Purpose is to facilitate 
this  by  accepting no limits, thinking innovatively and  driving  positive 
change in the lives of all its Stakeholders.

The Automotive and Farm Equipment Sectors of your Company continued to work 
together  with  distinct  and strong customer focus at the  front  end  and 
structured  for synergy at the back end. This combined force  has  achieved 
sales of 3,77,065 vehicles and 2,14,325 tractors in the domestic and export 
markets.

Mahindra  Group Core Purpose - We will challenge conventional thinking  and 
innovatively use all our resources to drive positive change in the lives of 
our stakeholders and communities across the world, to enable them to Rise.

Industry Structure

The  Indian automobile industry comprises of a number of Indian-origin  and 
multinational  players,  with  varying  degree  of  presence  in  different 
segments.

The domestic tractor market too comprises of a large number of players  and 
is segmented by horsepower into the sub 30 HP segment, the 30-40 HP and 40-
50 HP segments and the higher segment of above 50 HP.

Economic overview

For  the Indian economy, Financial Year 2011 was a year of  robust  growth, 
with  consumption led demand fuelling manufacturing growth, supported by  a 
record  5.4%  growth in the agricultural sector. However,  with  this  high 
growth  came  a sharp rise in inflation, both on the food  and  commodities 
front.

The  Indian  economy  continued on a robust  growth  path  despite  several 
challenges on the global macroeconomic front, especially the sovereign debt 
crisis  in  Europe  and a significant increase in oil  prices.  Almost  all 
Sectors  of  the Indian economy showed accelerated growth until  the  third 
quarter of Financial Year 2010-11. A normal monsoon supported a very strong 
rebound  in  agricultural growth during the year,  thus  providing  further 
impetus  to economic growth by raising rural income levels. However,  there 
were signs of slowing down in some Sectors, especially in manufacturing  in 
the fourth quarter.

The Reserve Bank of India continued with its monetary policy action of rate 
increases to contain inflation, which translated into significant hikes  in 
wholesale and consumer financing costs, particularly for automobiles.

Industry Overview and Trends

Indian Automotive Sector

The  global  automobile  industry production grew by  nearly  26%  in  2010 
(Source: OICA Organisation Internationale des Constructeurs d'Automobiles), 
recovering smartly from two consecutive years of decline, driven  primarily 
by  growth in emerging markets such as China and India. A highlight of  the 
year was the emergence of China as the largest vehicle market in the world, 
surpassing the United States of America.

Against  the  backdrop of the challenging  macroeconomic  environment  both 
domestically  and  globally, the Indian automobile  industry  registered  a 
robust growth during Financial Year 2010-11. The passenger vehicle  segment 
grew  by  29% with domestic sales crossing 2.5 million vehicles.  In  2010, 
according  to OICA, India was the 7th largest vehicle producing country  in 
the world. This growth was supported by a slew of new product introductions 
by vehicle manufacturers, and growing consumer confidence.

During  the year, the Government of India introduced Bharat Stage  (BS)  IV 
emission  norms  for 13 major cities and BSIII norms for the  rest  of  the 
country for passenger vehicles. The transition was smooth despite a  phased 
introduction,  due to the cooperative approach of both the  Government  and 
the Industry.

Within the passenger vehicle segment, while the passenger car segment  grew 
by  30%, in line with the overall industry, the multipurpose vehicle  (MPV) 
segment  grew by 42%. The Utility Vehicle (UV) segment registered a  growth 
of 19%.

The Commercial Vehicle (CV) segment grew by 27%, driven by a 32% growth  in 
the Medium and Heavy Commercial Vehicle (M&HCV) segment and a 23% growth in 
the  Light  Commercial  Vehicle (LCV) segment.  The  three-wheeler  segment 
registered a 19% growth during the year, driven largely by a 23% growth  in 
the  passenger segment owing to the renewal of existing fleet  permits  and 
opening of new permits in several states.

During  Financial Year 2011, the two-wheeler segment grew by 25.8%.  Within 
two-wheelers, Motorcycles grew by 22.9% and scooters recorded an impressive 
growth of 41.8%. Mopeds grew at 23.5%.

Source: Society of Indian Automobile Manufacturers (SIAM)
* Classification of A1, A2 etc as per SIAM

Particulars             A             B        C        D       E       F  

Passenger
Vehicles                           1552713  1951334  2520393   25.7%  29.2%
             Cars                  1220463  1528337  1982990   25.2%  29.7%
                     *A1: Mini      49,383   63,378   96,917   28.3%  52.9%
                     A2: Compact    885639  1128977  1449361   27.5%  28.4%
                     A3: Mid-size   241683   276294   366474   14.3%  32.6%
                     A4: Executive  33,636   46,437   52,143   38.1%  12.3%
                     A5: Premium     9,034   11,898   16,172   31.7%  35.9%
                     A6: Luxury      1,088    1,353    1,923   24.4%  42.1%
             MPVs                   106607   150256   213507   40.9%  42.1%
             UVs                    225643   272741   323896   20.9%  18.8%
Commercial
Vehicles                            384952   532721   676370   38.4%  27.0%
             LCVs                   200699   287777   353621   43.4%  22.9%
                     A: Passenger   26,952   34,413   37,481   27.7%   8.9%
                     B: Goods       173747   253364   316140   45.8%  24.8%
             M&HCVs                 184253   244944   322749   32.9%  31.8%
                     A: Passenger   34,892   43,083   47,512   23.5%  10.3%
                     B: Goods       149361   201861   275237   35.1%  36.3%
3 Wheelers                          349727   440392   526022   25.9%  19.4%
                     A: Passenger   268463   349732   428979   30.3%  22.7%
                     B: Goods       81,264   90,660   97,043   11.6%   7.0%
2 Wheelers                         7437670  9371231 11790305   26.0%  25.8%
                     Scooters      1145798  1462507  2073797   27.6%  41.8%
                     Motorcycles   5835145  7341139  9019090   25.8%  22.9%
                     Mopeds         431214   564584   697418   30.9%  23.5%
                     Electric Two 
                     Wheelers       25,513    3,001        -  -88.2%      -
Grand Total                        9725062 12295678  15513090  26.4%  26.2%

A = Vehicle Classification
B = Financial Year 2009 volumes
C = Financial Year 2010 volumes
D = Financial Year 2011 volumes
E = Financial Year 2010-% growth
F = Financial Year 2011-% growth


Indian Tractor Industry:

The Indian tractor market, comprising of a number of players, continued  on 
its  high growth path to touch 4,80,377 tractors, a growth of 20% over  the 
previous year. This was on the back of a 31.7% growth in the  corresponding 
period  last  year.  This  growth has  been  fuelled  by  increasing  rural 
liquidity,  better crop realisations through higher minimum support  prices 
and increasing cost and scarcity of farm labour, all of which were  further 
strengthened  by  a  normal monsoon  and  continuedgovernment  support  for 
agriculture and for rural India. 

Your Company's performance

Automotive Sector - Accept No Limits

During the year under review, your Company's Automotive Sector  exemplified 
the  Rise tenet of Accepting no limits'. It achieved many  milestones  and 
landmarks  on  its  journey to becoming a  globally  recognised  automotive 
brand. New products were launched along with refreshes. The Sector won many 
awards and much recognition.

The Sector achieved overall volumes, including those of major subsidiaries, 
of  3,58,021 vehicles in the domestic market, a significant growth  of  25% 
during the Financial Year 2011. This growth was contributed largely by  its 
entry into newer segments and the growth of its existing product range. The 
Maxximo,  launched  in the last quarter of Financial Year  2010,  gained  a 
significant  market share in its segment, taking on  incumbent  competition 
successfully. As a result, in the less than 3.5T LCV segment, your  Company 
gained a 2 percentage points market share to reach 38%.

Particulars                  A        B         C        D       E      F

Passenger
Vehicles                            119802   156058  1,80,180  30.3%  15.5%
             Cars*                  13,423    5,332    10,009 -60.3%  87.7%
             MPVs                        0        0       966  ***NM  ***NM
             UVs                    106379   150726  1,69,205  41.7%  12.3%
Commercial
Vehicles                            55,881   86,217  1,15,699  54.3%  34.2%
             LCVs**                 55,881   86,217  1,14,856  54.3%  33.2%
                     A: Passenger    5,118    5,025     4,785  -1.8%  -4.8%
                     B: Goods       50,763   81,192  1,10,071  59.9%  35.6%
             M&HCVs                      0        0       843  ***NM  ***NM
             **
                     B: Goods            0        0       843  ***NM  ***NM
3. Wheelers                         44,533   44,438    62,142  -0.2%  39.8%
             All                    44,533   44,438    62,142  -0.2%  39.8%
                     A: Passenger   27,170   30,588    45,091  12.6%  47.4%
                     B: Goods       17,363   13,850    17,051 -20.2%  23.1%
AS total                            220216   286713    358021  30.2%  24.9%
2 Wheelers                               0   70,008    163914  ***NM 134.1%
             Motorcycles/
             StepThrough                 0        0     5,181  ***NM  ***NM

             Scooter/
             Scooterettee                0   70,008  1,58,733  ***NM 126.7%

A = Vehicle Classification
B = Financial Year 2009 volumes
C = Financial Year 2010 volumes
D = Financial Year 2011 volumes
E = Financial Year 2010-% growth
F = Financial Year 2011-% growth

* Through JV with Mahindra Automobile Distributor Private Limited.

** Through JV with Mahindra Navistar Automotives Limited.

*** NM: Not meaningful.

Leading the industry:

*  Your  Company's domestic Utility vehicles sales  volumes   increased  by 
12.3% to 1,69,205 units, as against a growth of 18.8% for industry  Utility 
Vehicles  sales. Due to significant supplier capacity constraints faced  by 
your  Company, its market share in the segment dropped 3 percentage  points 
to 52.2% (Source: SIAM and internal analysis).

*  The  scorpio, Bolero and Xylo continued to lead the Indian  market  with 
robust growth during the year.

*  The  Bolero  continued to occupy its numer one position  for  the  fifth 
consecutive  year in the domestic utility vehicle market with record  sales 
of more than 83,000 vehicles during the year.

*  In  the  financial Year 2011, your Compay'a  light  commercial  Vehicles 
sales,   including  those  of  its  subsidiaries,  were   1,10,071   units, 
registering  a  growth of 35.6% as compared to a growth of  22.9%  for  the 
industry. Your Company is the second largest player in the Light Commercial 
Vehicles  segment with a market share of nearly 32.5%. (Source:  SIAM  Data 
and Internal analysis)

*  During the yera, your Company bought out the shareholding of  its  Joint 
Venture  partner in Mahindra Automobile Distributor Private  Limited.  Post 
this  development, sales of the Logan recovered sharply, with a  growth  of 
nearly 88% to 10,009, compared with the segment growth of 32.6%. The  Logan 
has been relaunched under the Mahindra badge as the Verito.

New products - Creating customer delight

At Mahindra, the customers are at the core of everything the Company  does. 
In  2011, the Company launched a slew of products to cater to  the  diverse 
needs of its varied customers. The excellent response received by all these 
products proves that your Company is on the right track.

* The Maxximo, launched in the last quarter of the previous financial year, 
was rolled out nationwide to an excellent reception in the market.

*  The  Mahindrs  Thar, a niche  4x4 SUV, which sports  a  retro-look,  was 
launched  in  the  Indian market to a resounding cheer  by  offroading  and 
adventure enthusiasts.

*  In  January,  2011, your  Company launched the  Mahindra  Genio,  a  new 
generation pick-up truck to cater to the transportation needs of small  and 
medium businesses.

*  During  the year,  Mahindra Navistar Automotives Limited  (a  51%  Joint 
Venture subsidiary of your Company) commenced the sale of its MN25 and MN31 
range of Medium & Heavy Commercial Vehicles, which received an enthusiastic 
response  in  the market. With the gradual rollout of the network  and  the 
launch of a complete range of M&HCVs, this segment is set to be a promising 
growth driver for your Company. 

Overseas operations - Unbridled growth

*  With the recovery in global automotive markets, the  Company's  overseas 
automotive operations registered an impressive growth of 65%.

*  The  Automotive Sector exported a total of 19,044  vehicles  during  the 
Financial Year 2011. This included exports of 1,904 Logan cars through  its 
100% subsidiary Mahindra Automobile Distributor Private Limited (MADPL).

Inorganic Growth - Seizing Opportunities:

During the year, the Automotive Sector of your Company took two significant 
steps  on  its journey towards becoming a  globally  recognised  automotive 
manufacturer.

*  In May, 2010, in acquired a majority shareholding in Reva  Electric  Car 
Company  Private  Limited  (since rechristened as  Mahindra  Reva  Electric 
Vehicle  Private  Limited).  This  acquisition puts  your  Company  at  the 
forefront  of the changes sweeping the global automotive industry in  terms 
of the growth of alternate energy vehicles. 

*  In  March  2011, your Company completed the acquisition  of  a  majority 
shareholding  and  management control in SsangYong  Motor  Company  Limited 
(SYMC)  in South Korea. This acquisition provides both the  companies  with 
opportunities  for  significant  synergy benefits in the  areas  of  global 
distribution, joint product development, sourcing and best practices.  This 
acquisition  is a significant step towards realising your Company's  global 
ambitions.

Farm Equipment Sector - Global tractor leadership

For  the  Farm Equipment Sector, this was a year  of  transformation  where 
numerous milestones were achieved.

Tractor and Farm Mechanisation Business - Creating milestones

* In this period, the Company sold 2,14,325 tractors under the Mahindra and 
Swaraj  brands,  against 1,75,196 tractors sold in the  previous  year,  an 
increase of 22%.

* The above volume included the sale of 2,02,513 tractors  in the  domestic 
tractor  market in a single financial year, a significant milestone  for  a 
tractor manufacturer anywhere in the world.

*  Its  market share increased to 42% from 41.4% last year and  marked  the 
completion  of 28 years of leadership of the Farm Equipment Sector  in  the 
Indian tractor market. 

Tractors - In the Indian heartland

The Farm Equipment Sector's tractor product range extends from 15 HP to 125 
HP.

This  year saw the launch of Arjun MAT, the first  truly  multi-application 
tractor from the Mahindra stable, equally at ease in agricultural,  combine 
harvester and other applications.

*  Product  refreshes: Updated versions of the  Mahindra  Arjun,  Sarpanch, 
Bhoomiputra  range  and  the XM series from  Swaraj  resulted  in  superior 
performance  and  an improved value proposition for  the  existing  product 
range.

Global Footprint

Sustaining  the Company's global leadership necessitates a  growing  global 
footprint, which was achieved through focus on the key global markets of US 
and China among other regions.

Exports from India grew 34% this year to touch 11,812 tractors, as compared 
to 8,837 tractors exported last year. 

China

China  is  the  second  largest tractor market in  the  world,  fuelled  by 
increased government subsidies focused on agricultural mechanisation.  This 
year,  however,  subsidy  disbursements were  delayed,  missing  the  major 
season,  which  affected  tractor retails, resulting in  just  4%  domestic 
tractor  market  growth. In this scenario, the Company's  domestic  volumes 
from  the two Joint Ventures Mahindra (China) Tractor Company  Limited  and 
Mahindra Yueda (Yancheng) Tractor Company Limited remained steady, with the 
Company retaining its 5th position in the domestic market.

Exports  from China, which had slumped last year, posted a smart  recovery, 
propelling Mahindra China export volumes to grow by 31%, thus achieving the 
3rd position in Chinese tractor exports.

In   recognition  of  its  outstanding  performance  in   sales,   customer 
satisfaction  and  brand building for the Huanghai  Jinma  brand,  Mahindra 
Yueda   (Yancheng)  Tractor  Company  Limited  (MYYTCL)  was  awarded   the 
'Agriculture Machinery National Customer Satisfaction Brand' by the  'China 
Agriculture Machinery Association' in the Category of '25-50 HP Tractors.'

USA

Mahindra USA Inc. posted a strong 54% growth, significantly higher than the 
participating  industry, gaining market share.Among other  contributors  to 
this success, have been the Compact and Cabin tractor models launched  last 
year in this market.

ROW

In  the  SAARC region, Nepal and Bangladesh have been key markets  for  the 
Company's  operations. Lately, a fast growing Sri Lankan economy  has  also 
resulted  in good tractor sales, and over 20% market share for the  Company 
in this market. 

Mechanisation (Mahindra AppliTrac) - Growing the market

AppliTrac  continued  to  grow the market for  agri  mechanisation  in  the 
country,  playing  its part in boosting agri productivity. In view  of  the 
increasing scarcity and cost of farm labour, there is an increasing  demand 
in the country and beyond for mechanisation solutions for labour  intensive 
farm operations.

*  Rotavator  -  For AppliTrac, Financial Year 2011 was  the  year  of  the 
Rotavator'. Sales of this equipment increased three fold. Trailed behind a 
tractor and using the tractor's rotary drive, the rotavator ensures a  more 
efficient   form  of  land  preparation,  compared  to  traditional   drawn 
implements. In order to offer to the Indian customer the best of rotavation 
technology,  AppliTrac completed an exclusive tie-up with  Maschio,  Italy, 
the  world leader in rotavation equipment. These products will  be  offered 
under the Mahindra' brand.

*  New  products - Applitrac has ensured a steady stream  of  new  products 
including  Agri  construction equipment (CE) attachments,  baler,  G2  13ft 
loader, sugarcane lifter, straw reaper for wheat and more.

*  Mechanisation solutions - Another key area of focus has been  developing 
mechanisation  solutions for the labour intensive rice crop. This  includes 
the rice transplanter and the tracked paddy harvester. Both these  products 
will go a long way towards transforming the way rice is grown and harvested 
in the country.

Agriculture - sowing the seeds for the future

This part of the Agri business will be key to delivering prosperity to  the 
Indian  farmer.  While  containing elements of the  erstwhile  business  of 
Mahindra  Shubhlabh Services Limited (MSSL), several new areas in the  agri 
value chain are being developed.

Agri Inputs

During the year, MSSL's Agri inputs business was demerged into the Company, 
with  MSSL  continuing to exclusively focus on its fruits  business.  After 
demerger with the Company, the Agri inputs arm is being shaped to  increase 
its offerings to the Indian farmer.

Entry into the Micro-irrigation business

One of the biggest developments this year has been the acquisition of a 38% 
stake  in  EPC  Industrie  Limited, one  of  the  leading  micro-irrigation 
companies in India. Micro-irrigation offers tremendous benefits to  farmers 
-  over 25% water savings, reduced expenditure on labour & fertiliser,  and 
higher  productivity.  By virtue of this development, the Company  will  be 
able  to contribute to the farmer's ability to better utilise scarce  water 
resources and to overall water conservation in the country.

Mahindra Samriddhi

By the end of this year, over 133 Mahindra Samriddhi Centres have been made 
operational.  Each Samriddhi Centre offers innovative farming  technologies 
that transform the lives of farmers by helping them improve productivity.

Mahindra  Samriddhi  was  the recipient of the  Golden  Peacock  Award  for 
Innovation  -  2010, recognising it as a great example  of  innovation  and 
thought leadership.

Mahindra Powerol - leadership in challenging times

For Mahindra Powerol, Financial Year 2011 was a very challenging year.  The 
market for engines and DGs (Diesel Gensets) for the Telecom Sector suffered 
a sharp downturn of over 60%. This being Mahindra Powerol's core  business, 
it significantly impacted plans for the year.

However, Mahindra Powerol weathered this adversity by maintaining focus  on 
the customer while simultaneously looking at other growth avenues. Some  of 
the  actions for growth included expanding the offering to 500kVA,  opening 
up  new international markets in SAARC and Africa and growing the Home  UPS 
(HUPS) volume to 47,217 units.

This  was rewarded by significant improvement in the Customer  Satisfaction 
Index  (CSI)  and  Customer as Promoter Score (CaPS),  recognition  by  key 
customers  and  industry-wide  recognition in the form  of  two  Voice  of 
Customer' Awards by Frost & Sullivan.

Despite   such   a  sharp  telecom  industry  demand   de-growth,   Powerol 
strengthened its leadership in the market for power solutions for telecom.

The Quality Way - Inspiring success

Strict  adherence  to quality is the abiding culture  across  the  Mahindra 
Group. After winning the Deming Prize and the Japan Quality Medal, the Farm 
Equipment  Sector, one of the Group's leading practitioners of the TQM  way 
is  pursuing  the  path of Total Productive  Maintenance  (TPM)  under  the 
guidance of the Japan Institute of Plant Maintenance. This year, three  FES 
plants - Nagpur, Rudrapur and Kandivali - were the proud recipients of  the 
TPM  Excellence  Awards  2010.  Similarly in  the  Automotive  Sector,  the 
Mahindra  Quality  System  (MQS) is the way of  managing  business  process 
integration  of  globally competitive practices for  sustained  growth  and 
customer  satisfaction. The Mahindra Institute of Quality (MIQ) has  helped 
take  this  focus  on Quality across the Mahindra  Group  through  Mahindra 
Quality  Way,  a  rigorous  process  of  internal  companywide  audits  and 
improvements.

Opportunities and Threats

Automotive Sector

With the robust growth in the Indian economy and the resulting increase  in 
the  income  levels  and  lifestyle  aspirations  of  the  population,  the 
potential  size  of the Indian passenger vehicle market in  the  next  five 
years is likely to be as large as 4-5 million vehicles with a  conservative 
growth rate of 10-12% per year. The currently low vehicle penetration of 15 
vehicles  per 1,000 population, compared to an average of 120 vehicles  per 
1,000  population  for the world also suggests that there  are  significant 
growth opportunities for the industry. According to experts, the automobile 
market growth gets on a high trajectory when a country's per capita  income 
on a Purchasing Power Parity (PPP) basis crosses about $ 4,500. At present, 
the PPP per capita income for India is already at approximately $ 3,500 and 
is  estimated to reach this threshold in the next 4-5 years. As  a  result, 
the  Indian  automobile industry is expected to remain one of  the  fastest 
growing markets in the world over several years.

Given  the  importance of the automobile industry to the  economy  and  its 
potential for employment and due to its backward and forward linkages  with 
many  Sectors,  the Government is keen to support the  development  of  the 
industry.  On  the  other hand, there is continuous  pressure  globally  to 
reduce  environmental emissions from automobiles, leading to the  need  for 
on-going investments in technology upgradation and alternate energy  across 
the  automotive  value  chain. Growing  environmental  consciousness  among 
consumers, government regulations to manage traffic congestion, as well  as 
improvement  in public transport infrastructure are trends that  will  have 
significant  impact  on the future of the automobile  industry.  Automobile 
manufacturers  such as your Company have to monitor such  trends  carefully 
and adapt to them quickly.

Similarly,   for  Commercial  Vehicles,  the  growth  in  agriculture   and 
industrial  production, the spread of organised retailing and  the  growing 
prevalence of the hub-and-spoke model for transportation of goods will lead 
to  a  significant  expansion  of the overall  market  size.  Further,  the 
expected  introduction in the medium to long term of more  stringent  norms 
related to overloading of goods vehicles and roadworthiness and vehicle age 
will  also  lead  to significant expansion in  the  market  for  commercial 
vehicles.

Farm Equipment Sector

The  continued  Government  support to agri and  rural  development,  broad 
basing  of  the  rural  economy  and  the  greater  adoption  of   improved 
agricultural  practices  (mechanisation,  micro-irrigation,  hybrid  seeds, 
nutrient based fertiliser application, etc.) are positive developments that 
will drive sustainable agri and rural growth.

Despite  having  the  second  largest arable land area  in  the  world  and 
favourable  environmental conditions, lower than world average yields  have 
limited  India's agri output. Having taken on the BHAG of Delivering  Farm 
Tech Prosperity' and with the creation of the Agri Business vertical,  your 
Company is geared to contribute in this area.

Within  India, there are many areas of low tractor penetration,  especially 
among  the  large base of small and marginal farmers. With  the  increasing 
cost  and  scarcity of farm labour, greater adoption of  various  forms  of 
mechanisation  is  the  way forward. These  are  opportunities  which  your 
Company is well positioned to tap.

The Indian domestic tractor market, having recorded a significant growth in 
the  last  two financial years, is expected to see more  competition  among 
existing players. The international players have been investing in capacity 
augmentation  and  gradually  increasing  their  market  share.   Increased 
competition  will  lead to more frequent product launches in  all  industry 
segments  and raise customer expectations in terms of performance,  quality 
and technology, leading to higher costs. Your Company views this as both an 
opportunity and a challenge.

Power  shortage  remains a reality across the country with  power  capacity 
increases  not  keeping up with demand growth. This is an  opportunity  for 
your   Company  to  continue  to  offer  power  solutions  to  retail   and 
institutional customers in urban and rural centres, increasing their  realm 
of possibilities. 

Risks and Concerns - Automotive and Farm Equipment Sectors

The Company's business is inherently exposed to many internal and  external 
risks.  Your Company has put in place robust systems and  processes,  along 
with appropriate review mechanisms to actively monitor, manage and mitigate 
these risks. Many measures undertaken by your Company are likely to  result 
in  an  increase in costs, which cannot always be passed  on  to  customers 
through price increases in a highly competitivemarket environment.

Raw Material

Financial  Year 2011 saw a strong increase in commodity prices going  above 
the previous record highs of 2008. Even Financial Year 2012 is expected  to 
see  a firming of prices in the international market. While this  will  put 
pressure  on  margins,  your Company will continue to  focus  on  cost  re-
engineering  to minimise the impact of this development. In addition,  with 
the  rapid demand growth, some of the Company's key suppliers  occasionally 
face capacity constraints and are unable to meet demand. This could lead to 
potential  loss  of volumes and market share. The Company  is  co-operating 
closely   with  the  Company's  key  suppliers  to  minimise  such   supply 
constraints  through advance capacity planning, longer term  contracts  and 
capacity enhancement.

Environment and Tax Regulations

Stringent   regulatory  norms  are  being  introduced  to   safeguard   the 
environment,  especially  in the area of emissions. In India,  there  is  a 
large differential in taxes levied on small cars and larger vehicles.  With 
the  resulting  lower price tag for small cars, many customers may  opt  to 
postpone  large  car purchases or buy a small car, which could  impact  the 
growth of Utility Vehicles and the large car segment.

Fuel prices and alternate fuels

With the price of crude oil rising significantly over the past few  months, 
the price of automotive fuel is likely to face upward pressure. Almost  all 
of  your  Company's Utility Vehicle models are diesel  powered.  Diesel  is 
priced  lower than petrol. Any reduction in the price differential  between 
petrol  and diesel may increase the demand for petrol Utility  Vehicles  at 
the  expense of diesel Utility Vehicles and will be disadvantageous to  the 
Company.

There is also a growing customer trend, as well as promotion by Government, 
for vehicles powered by CNG, LPG and electric batteries, as well as  hybrid 
powertrains.  Your  Company  has developed products  powered  by  alternate 
energy  such  as CNG and electricity to provide lower  polluting  products. 
Your Company has also developed prototypes of a hybrid Scorpio and hydrogen 
powered  three-wheeler as well as a bio-diesel powered Scorpio and  Bolero. 
The  recent acquisition of Mahindra Reva Electric Vehicle  Private  Limited 
will  help your Company to partially mitigate this risk by  expediting  the 
development  of an electric vehicle portfolio in accordance  with  customer 
demand.

Your Company has also developed tractors and gensets capable of running  on 
bio-diesel.  The entire tractor and Mahindra Powerol range of  engines  are 
not  only a benchmark for fuel efficiency, but are also capable of  running 
on bio-diesel.

Financial market conditions

With the unabated threat of inflation, the Reserve Bank of India has raised 
its policy interest rates significantly during the Financial Year 2011  and 
is  expected  to further raise them in the coming months.  Availability  of 
credit  and  affordable  interest  rates  are  important  facilitators  for 
automobile and tractor sales. The recent rise in financing rates is  likely 
to  impact demand. However, to address this risk, your Company has  entered 
into several strategic tie-ups with multiple banks and financing  companies 
for providing preferential terms of financing to the Company's customers.

Given  the  uncertainty prevailing in many parts of the  world,  especially 
with respect to the sovereign debt crisis in Europe and the growth  outlook 
for  key developed markets in the wake of the earthquake and nuclear  power 
accident in Japan, the outlook for exchange rates is difficult to  predict. 
This  has  implications for the profitability of  your  Company's  overseas 
operations,  which  are  a  key  thrust  area  for  the  Company.  A  rupee 
appreciation  could  be  a  risk for both  Automotive  and  Farm  Equipment 
Sectors.  However,  the Company, as a practice,  hedges  currency  exposure 
appropriately, thus limiting the impact of risk.

New Projects

In order to meet customer needs and competition, your Company is  investing 
in an aggressive new product development programme. Success of new  product 
launches  will  have  an  important  bearing  on  its  future  growth   and 
profitability.

Monsoons

A normal monsoon is vital as there is a significant interdependence between 
the  monsoon  and  the  health of the  agricultural  economy.  The  tractor 
business in particular and automotive business to some degree run the  risk 
of  drop  in  demand  in case of significant  variation  in  monsoon,  both 
positive and negative. In addition, untimely monsoon also has the potential 
of impacting the business.

Outlook - Automotive And Farm Equipment Sectors

Both  the Automotive and Farm Equipment Sectors with their updated  product 
portfolios and their exploration of global horizons will strive to maintain 
their leadership position in their respective markets. Simultaneously, your 
Company  will  continue  its focus on  achieving  cost  leadership  through 
focused cost optimisation, value engineering, improved efficiency  measures 
like supply chain management, countrywide connectivity of all its suppliers 
and dealers and exploiting synergies between its Sectors.

The  long  term outlook for the automobile industry is bright  and  robust, 
though in the near term there are some challenges relating to the  external 
environment  that  the industry must overcome. In the  past  two  financial 
years,  the  passenger vehicle growth has been 26%  and  29%  respectively, 
while that for Commercial Vehicles has been 38% and 27% - among the highest 
in  the  world.  This high growth has been partly driven by  the  low  base 
effect  of the previous year due to the global financial crisis, partly  by 
the  stimulus  measures taken by theGovernment and  partly  by  appropriate 
action  on  the part of vehicle manufacturers. This  support  for  industry 
growth  may  phase out gradually, returning the industry to a  more  normal 
growth  trajectory.  In addition, rising inflation,  interest  rates,  fuel 
prices  and commodity prices are likely to dampen consumer  confidence  and 
sentiment, which has always been a key determinant of automobile sales.

In  the  long  term, the Indian economy is projected to  grow  rapidly  and 
demand  conditions  are expected to remain strong. According to  SIAM  long 
term  forecasts, the Indian automobile industry is expected to grow  at  an 
annual  average  rate  of  10-15%. However, in the  near  term,  there  are 
challenges in terms of higher commodity prices, rising inflation and  rupee 
appreciation, which will have a bearing on demand and profitability.

Similarly  in the case of tractors, the long term outlook continues  to  be 
positive with the tractor industry expected to continue to grow with a CAGR 
ranging between 7% and 10%.

Strategy

Automotive Sector

Your Company is pursuing several strategic initiatives, in all key areas of 
business,  to maintain a healthy and sustainable growth for its  Automotive 
Sector. Some of the key elements of strategy are to expand the  addressable 
market by entering into new customer and market segments (such as mini  and 
small  trucks, and medium & heavy trucks), continually refresh  and  update 
its product portfolio (for example with the launch of the new pick up Genio 
and  impending  launch  of  a new SUV  codenamed  W201)  and  by  investing 
significantly in upgrading R&D and technology.

In addition, your Company is pursuing expansion in overseas markets through 
organic  and  inorganic routes. The recent acquisition of  SsangYong  Motor 
Company  Limited  is  an  important step in  realising  this  objective  by 
expanding the global reach and network of your Company.

Further,  your  Company  is  also  seized  of  the  global  shift   towards 
sustainable  mobility  driven  by climate  change  concerns.  Towards  this 
objective, the Company is investing in new alternate fuel technologies. The 
recent acquisition of Mahindra Reva Electric Vehicle Private Limited is  an 
important step towards remaining at the forefront of these developments.

Farm Equipment Sector: Delivering Farm Tech Prosperity

The Farm Equipment Sector strategy has been aligned to Farm Tech prosperity 
for  the  Indian farmer. The core business of tractors  will  deliver  this 
through its range of existing and future products that reduce drudgery  and 
enhance  farm  productivity. In addition, your Company will offer  a  wider 
range  of mechanisation solutions to make life easier and  more  prosperous 
for  farmers,  especially with rising labour cost and  scarcity.  The  Farm 
Equipment  Sector's  agribusiness  will enable the  organisation  to  offer 
farmers  a  range of inputs and knowhow. All these together  will  lead  to 
greater farm productivity and deliver prosperity.

Material   Developments  in  Human  Resources/  Industrial  Relations   for 
Automotive and Farm Equipment Sectors

The  strategic  purpose  of HR in the Mahindra Group continued  to  be  the 
creation   of  a  culture  of  sustained  business   outperformance   while 
simultaneously  showing  extreme care for all stakeholders,  starting  with 
customers  & employees and strengthening the Core Values of the  Group.  In 
the  long  run, the metric for success would be improvements in  the  total 
factor  productivity,  while addressing the business imperatives  of  cash, 
cost,  competence and confidence. The emphasis was on aligning all  the  HR 
levers towards these goals.

A  new and major challenge for HR during the year was to create a  detailed 
plan  of  action  for  bringing the RISE pillars  -  accepting  no  limits, 
alternative thinking and driving positive change - into the nuts and  bolts 
of  the HR levers. This is a gigantic task which brought together  business 
and  HR professionals from across the Group, to formulate a detailed  roll-
out  plan over the next few years. It also created a platform  for  sharing 
best practices which would take the Company to the next orbit.

In  this  overall architecture, some key strategic  initiatives  that  need 
mention are employer branding, the employee valueproposition, the  template 
for  creating  tomorrow's  leaders and harnessing the  power  of  diversity 
(across  its  many dimensions which include gender,  age,  nationality  and 
culture).  There  was huge focus on the Talent  Management  and  Leadership 
Development process.

To  understand and prepare for the future workplace, the Company is one  of 
the five Indian companies in the Future of Work project being undertaken in 
collaboration with the London Business School. This project is a multi-year 
project,  involving sixty global Companies and the Company expects to  gain 
critical insight into leading edge thinking on various areas. 

The  Company continues to harness the power of IT through Project  Harmony, 
which now covers 24 HR processes across the Group. Needless to say, all the 
initiatives mentioned above need to apply not only to Officers but also  to 
the  blue  collar workforce. To that extent the  ongoing  'Transformational 
Work  Culture' initiatives have grown both in depth and width of  coverage. 
It must, however, be noted that while Industrial Relations largely remained 
cordial  and harmonious during the year, the overall  industrial  relations 
climate  in  the  country is volatile, especially  the  issue  of  contract 
labour. In this context, training and engagement programmes were  organised 
across  locations  for  developing personal,  interpersonal  and  technical 
skills  of the Company's workmen. These training programmes covered a  wide 
range  of topics which included Positive Attitude, Stress Management,  TPM, 
Dexterity  and Technical training. The workmen participated  wholeheartedly 
in  the  training programmes, in many cases on holidays  or  after  working 
hours.  The  permanent employee strength of the Company as on  31st  March, 
2011 was 17,577.

Internal Control Systems

The  Company  maintains adequate internal control systems,  which  provide, 
among  other things, reasonable assurance of recording the transactions  of 
its operations in all material respects and of providing protection against 
significant  misuse  or  loss  of  Company  assets.  The  Company  uses  an 
Enterprise  Resource Planning ('ERP') package, which enhances the  internal 
control mechanism. The Company has a strong and independent internal  audit 
function.  The Chief Internal Auditor reports directly to the  Chairman  of 
the  Board. Professionally qualified, technical and financial personnel  of 
the  internal  audit function conduct periodic audits to  ensure  that  the 
Company's internal control systems are adequate and are complied with.

DISCUSSION ON FINANCIAL PERFORMANCE WITH RESPECT TO OPERATIONAL PERFORMANCE

Overview

The  financial  statements  have  been  prepared  in  compliance  with  the 
requirements  of the Companies Act, 1956 and Generally Accepted  Accounting 
Principles (GAAP) in India.

The  Mahindra Group's consolidated financial statements have been  prepared 
in  compliance  with the standard AS 21 on Consolidation  of  Accounts  and 
presented in a separate section. The Company has provided segment reporting 
on  a  consolidated basis as per standard AS 17 on  segment  reporting.This 
information appears along with the consolidated accounts.

Financial Information

Fixed Assets:

As at 31st March, 2011, the Gross Block of Fixed Assets and Capital Work in 
Progress  was Rs. 7,213.58 crores as compared to Rs. 6,240.49 crores as  at 
31st March, 2010. During the year, the Company incurred capital expenditure 
of  Rs. 1,152.51 crores (previous year Rs. 946.31 crores). The major  items 
of   capital  expenditure  were  on  New  Product   Development,   Capacity 
Enhancement and Research & Development including on the Company's  research 
facility   in  Chennai.  This  included  purchase  of   Intangible   assets 
aggregating Rs. 191.03 crores (previous year Rs. 225.28 crores).

Inventories:

Particulars                             March 31,
                                      2011      2010
Raw materials and bought
out components as a % of
consumption                          5.33%      4.23%

Finished goods as a % of
gross sales                          2.65%      2.48%

The increase in inventory levels is due to higher level of activity, higher 
project inventory due to new products and strategic buildups due to  supply 
constraints. 

Sundry Debtors:

Sundry  debtors  amount to Rs. 1,354.72 crores as at 31st March,  2011,  as 
compared with Rs. 1,258.08 crores as at 31st March, 2010. While in absolute 
terms,  the  debtors  have gone up as a result of  increased  sales,  as  a 
percentage of gross sales and income from operations, the debtors are lower 
at 5.29% for the year ended 31st March, 2011, as compared to 6.17% for  the 
previous year. The Company has been able to achieve this improvement in its 
debtors' level due to judicious credit management, control and its emphasis 
on collections.

Loan Funds:

The loan funds have decreased from Rs. 2,880.15 crores in the previous year 
to  Rs. 2,405.29 crores in the current year. The decrease is  primarily  on 
account of the conversion into equity shares of the zero coupon convertible 
bonds  in  the  current year partly offset by  increased  foreign  currency 
borrowings in the last quarter of the current year.

RESULTS OF OPERATIONS

Income :

                                                         (Rs. in crores)
Particulars                      Financial           Financial       Inc./
                                 Year-2011           Year-2010      (Dec.)

                              Amount      %        Amount     %        %

Gross Sales                24,850.22   105.78   19,832.06   106.61   25.30

Income from Operations        736.21     3.13      564.06     3.03   30.52

Gross Sales & Income 
from Operations            25,586.43   108.91   20,396.12   109.64   25.45

Less: Excise Duty 
on Sales                    2,092.71     8.91    1,794.01     9.64   16.65

Net Sales & Income 
from Operations            23,493.72   100.00   18,602.11   100.00   26.30

Other Income                  309.52     1.32      199.35     1.07   55.26

Net Sales, Income from Operations and Other Income:

The  net  sales and income from operations of the Company grew by  26.30  % 
over the previous year on a growth of 28.44% in the automotive business and 
23.55% in the Company's tractor business. This growth in the businesses was 
due to the increased volumes in both the domestic and export markets.

Other  income during Financial Year 2011 at Rs. 309.52 is higher  than  Rs. 
199.35  crores  earned in the previous year due to higher  dividend  income 
from subsidiaries, higher income from surplus funds and other miscellaneous 
income.

Expenditure:

                                                         (Rs. in crores)

Particulars                        A        B         C        D       E

Raw materials, Finished and 
Semi-finished Products        16,263.94   69.23   12,332.92  66.30   31.87

Personnel expenses             1,445.56    6.15    1,198.47   6.44   20.62

Interest, commitment 
and finance charges             (50.29)  (0.21)       27.81   0.15  280.83

Depreciation/Amortisation        413.86    1.76      370.78   1.99   11.62
Other expenses                 2,328.04    9.91    2,115.48  11.37   10.05

Total Expenditure             20,401.11   86.84   16,045.46  86.26   27.15

A = Financial Year-2011 - Amount 
B = Financial Year-2011 -  % to Net Sales & Income from Operations
C = Financial Year-2010 -  Amount 
D = Financial Year-2010 -  % to Net Sales & Income from Operations
E = Inc./(Dec.) %

The total expenditure during the year as a percentage of Net sales / Income 
from Operations is 86.84 % as compared to 86.26 % in the previous year.

Material Cost :

For the year ended 31st March, 2011, material cost has increased by  31.87% 
which is higher than the increase in net sales and
 income  from  operations. Material cost as a percentage to net  sales  and 
income  from  operations  increased to 69.23% in  Financial  Year  2011  as 
compared with 66.30% in Financial Year 2010. The increase in material  cost 
has  been largely driven by the increase in input cost due to  increase  in 
commodity  prices,  changes in product mix and compliance  with  regulatory 
norms.The  impact  of  these was partially  offset  through  selling  price 
increase  and  continued  cost  reduction  initiatives  undertaken  by  the 
Company.

Personnel Cost :

Personnel  cost  has increased by 20.62% to Rs. 1,445.56  crores  from  Rs. 
1,198.47  crores  in the previous year. This is mainly due to  increase  in 
strength,  annual increments, impact of wage agreements signed  during  the 
year and VRS settlements atcertain locations in the Company.

Other Expenses :

Other  expenses as a percentage of net sales and operating income  shows  a 
decrease over the previous year. The expenses in absolute terms are  higher 
due  to  increase in marketing related expenses  on  warranty,  incentives, 
service coupon, advertisement and sales promotion due to increased volumes, 
professional fees and brand building offset by a lower charge on account of 
variations  in  difference in exchange and forward cover  cancellations  as 
compared to the previous year.

Depreciation :

The  depreciation for the year ended 31st March, 2011 at Rs. 413.86  crores 
as compared to Rs. 370.78 crores in the previous year is due to the  impact 
in the current year on account of increased amortisation of intangibles and 
capitalisation of assets at the Company's research facility in Chennai. 

Interest (Net):

The interest income for the year ended 31st March, 2011 is Rs. 50.29 crores 
(net  of  interest  expense Rs. 70.86 crores) as compared  to  an  interest 
expense  of Rs. 27.81 crores (net of interest income Rs. 129.04 crores)  in 
the  previous  year.  This  is  mainly  due  to  conversion  of  fully  and 
compulsorily  convertible debentures into equity shares towards the end  of 
the  previous  year, resulting in a lower interest charge  in  the  current 
year.

Exceptional Items :

The profit from Exceptional items during the year ended 31st March 2011  is 
Rs.  117.48  crores as against Rs. 90.75 crores in the previous  year.  The 
profit in the current year is on account of profit earned on exercise of  a 
put option the Company held on a certain long term investment, while in the 
previous  year the exceptional income was on account of profit on  sale  of 
shares  of Mahindra Holidays & Resorts India Limited offered as a  part  of 
that Company's Initial Public Offering.

Provision for taxation :

The  provision  for current tax and deferred tax for the  year  ended  31st 
March, 2011 as a percentage to profit before tax is lower than the previous 
year, on account of higher tax free dividend income during the year and  on 
account  of  increased  weighted  deduction  available  for  research   and 
development expenditure in Financial Year 2011.

Consolidated Financial Position of the Mahindra Group

During the year, the Group acquired a 70% stake in Ssangyong Motor  Company 
Limited  of  Korea making it a subsidiary of the Company.  The  Group  also 
acquired  stakes in Reva Electric Car Company Private Limited,  Gipps  Aero 
Investment   Pty.  Ltd  and  Aerostaff  Australia  Pty.  Ltd  making   them 
subsidiaries  of the Company. Renault s.a.s. exited from the Joint  Venture 
Mahindra  Renault Private Limited during the year, making Mahindra  Renault 
Private Limited a wholly owned subsidiary of the Company. Mahindra  Renualt 
Private limited was subsequently renamed as Mahindra Automobile Distributor 
Private Limited.

In  March 2010, pursuant to the exercise of options by AT&T, Tech  Mahindra 
Limited  along  with  its subsidiaries ceased to  be  subsidiaries  of  the 
Company.  Hence,  for the current year in the books of  the  Company,  Tech 
Mahindra  Limited and its subsidiaries have been treated as Joint  Ventures 
and  consolidated  line  by  line on the  proportionate  holding  basis  as 
compared  to full line by line basis consolidation as a subsidiary  in  the 
previous year. As on 31st March, 2011, the Group comprised of the  flagship 
holding  company,  Mahindra & Mahindra Limited, 110 Subsidiaries,  6  Joint 
Ventures and 13 Associates.

The  Gross  turnover for the year ended 31st March,  2011  of  Consolidated 
Mahindra Group is Rs. 39,708.66 crores as against Rs. 33,790.10 crores  for 
the previous year. The Mahindra Group's net turnover grew by 16.85% to  Rs. 
37,026.37 crores in the current year from Rs. 31,687.97 crores in Financial 
Year 2010. The profit before exceptional items and tax for the current year 
is  Rs. 4,310.84 crores as compared to Rs. 3,782.59 crores  registering  an 
increase of 13.97% over the previous year. The Mahindra Group's performance 
across  most  of its segments has registered an  improvement.  The  Systech 
segment, which had faced challenges on account of the situation  prevailing 
post the global meltdown of 2009, has shown encouraging improvement on  the 
back  of an improved performance in Europe. During the year, there  was  an 
exceptional gain of Rs. 218.83 crores mainly arising from gains on  account 
of  deemed  divestitures of the Company's holdings in Mahindra  &  Mahindra 
Financial  Services  Limited  and  disposal  of  an  Associate  company  on 
exercising a put option available with the Company. The consolidated  Group 
Profit  for the year after exceptional items, prior period adjustments  and 
tax and after deducting minority interest is Rs. 3,079.73 crores as against 
Rs. 2,478.56 crores earned last year, a growth of 24.25%.

Tech Mahindra Limited (TML), the Group's IT arm, registered a total  income 
(consolidated)  of  Rs. 5,257.68 crores as against Rs. 4,700.84  crores  in 
Financial Year 2010 - an increase of 11.85%. Its Net Profit, after share of 
minority  interest,  was lower at Rs. 644.19 crores during  Financial  Year 
2010  as  against Rs. 700.53 crores in the previous year.  Excluding  TML's 
share  of associate company loss, the Net Profit, after share  of  minority 
interest was Rs. 743.79 crores. 

The  Mahindra  Group's  Finance  company,  Mahindra  &  Mahindra  Financial 
Services Limited (Consolidated), while maintaining its leadership  position 
as the largest retail financier for semiurban and rural markets,  witnessed 
a  revenue growth of 30% over the previous year. With its continuous  focus 
on NPA reduction, buoyant rural cashflows and containment of interest costs 
through  broad basing the borrowing profile, it reported a total income  of 
Rs.  2,074.39  crores during the current year as compared to  Rs.  1,595.60 
crores  last year. With a network of 547 offices, its improved  performance 
as a car financier and its increased presence in Heavy Commercial  Vehicles 
and Construction Equipment, the consolidated profit after tax for Financial 
Year  2011 grew by 38.49 % from Rs. 355.82 crores in the previous  year  to 
Rs. 492.77 crores in the current year.

Mahindra  Lifespace  Developers  Limited, the  Group's  subsidiary  in  the 
business  of real estate and infrastructure development, showed  impressive 
growth  during  the year under review. Sales of residential  units  by  the 
Company and its subsidiaries engaged in residential development  registered 
a growth of 19% over the previous year. The Company is also engaged in  the 
development  of integrated business cities, under the name  Mahindra  World 
City, through its subsidiary companies at Chennai and Jaipur. The Company's 
consolidated  operating  income  increased from Rs. 417.86  crores  to  Rs. 
611.93  crores,  an increase of 46.44%. The consolidated profit  after  tax 
after  minority  interest for the year increased by 37.81% from  Rs.  78.49 
crores to Rs. 108.17 crores.

Segment Results (before exceptional item):

The  results  achieved by major business segments of the  Group  are  given 
below:

                                                        (Rs. in crores)

Sr. Segments Financial                  Year 2011    Financial Year 2010
No.

1. Automotive                            1,632.28             1,261.41
2. Farm Equipment                        1,701.48             1,406.66
3. Financial Services                      744.01               524.21
4. Steel Trading & Processing               85.30                82.64
5. Infrastructure                          170.72               121.72
6. Hospitality                             104.28               158.01
7. IT Services                             440.67             1,026.36
8. Systech                                 101.87             (105.98)
9. Others                                (178.03)             (108.08)
   Total                                 4,802.58             4,366.95

Disclaimer:

Certain statements in the Management Discussion and Analysis describing the 
Company's  objectives, projections, estimates, expectations or  predictions 
may  be  'forward-looking  statements' within  the  meaning  of  applicable 
securities  laws  and regulations. Actual results could differ  from  those 
expressed or implied. Important factors that could make a difference to the 
Company's operations include raw material availability and prices, cyclical 
demand and pricing in the Company's principal markets, changesin Government 
regulations,  monetary  policy, tax regimes, economic  developments  within 
India  and the countries in which the Company conducts business  and  other 
incidental factors.