We place the customer's interest first, at all times. We achieve this primarily through solutions customised to the customer's business and capacity to pay. Some of the other initiatives that reinforce this orientation are:

• Well-defined retail consumer target
  In case of commercial vehicles, we aim at owners with 0 to 5 vehicles; in construction equipment, at owners of vehicles valued between Rs 0 to Rs 125 lac; and in passenger cars, at buyers of A and B segment. Thus we have clear customer focus in all our markets.

• Transparent pre-determined documentation
  We have shrunk decision-making turnaround to 4-48 hours.

• Vast network of offices
  On average, each Magma branch serves an area of 125 km radius, ensuring prompt and effective customer service.

• Vibrant customer interface
  Because we stay in touch throughout the tenure of the contract, we get repeat business from many customers.

• Manufacturing tie-ups with all big makers
  Maruti, Hyundai, Mahindra & Mahindra, General Motors, Tata Motors, Ashok Leyland, Eicher, Bajaj, Volvo India, JCB, Telcon, Caterpillar and Ace are among our strategic partners. In several cases, we float joint promotional schemes to offer attractive schemes.
  
  The joint venture with International Tractors Limited to finance Sonalika brand of tractors has facilitated the cross-sale of other financial products such as insurance and loans for various types of farm equipment.

• Vibrant collection process
  We educate customers of the benefits of timely payment and help them enjoy the benefits of honouring financial commitments.

• Pre-funding for various manufacturers and vendors
  This ensures the prompt delivery of equipment and vehicles to our customers.