MRHFL Closes the Experience Gap for Frontline Employees Using Leena AI Platform
Most of MRHFL's people work in the field across 730+ branches, many with no laptop and little email.
MyPAL put policies, payslips and tickets on their phones, and now resolves 99% of tickets.

Mahindra Rural Housing Finance (MRHFL) brings home loans to rural India through more than 730 branches. 80% of its workforce is on the field, in Tier 2 and 3 towns — many of them digital natives fresh out of college, with no laptop and limited access to email.
Yet email carried everything that mattered: announcements, employee and business policies, HR processes. HR wanted a platform that could solve employees' queries on their phones, wherever they were.
- Four in five employees work on the field, often with no laptop and limited email access.
- MyPAL rolled out in five phases, each adding what employees asked for next.
- Accounts tickets now run through the same assistant as HR and IT.
- 3,189 of 3,216 tickets were resolved in six months, and average resolution time fell 18% year on year.
Where field employees were cut off
The pandemic was a catalyst for workplaces everywhere to go digital, and pushed MRHFL to support distributed work while balancing privacy and operational risk. Spread across more than 730 branches, it wanted to simplify workflows with the best digital tools for every internal stakeholder — the lifeblood of a Bharat-oriented service organisation.
With the Mahindra Group driving digital transformation across its companies, MRHFL started with focus group discussions across employee cohorts. They showed the same thing: people from talukas to metros wanted to do things on the go, on their phones.
HR policies were scattered across platforms. Self-service for reimbursements, leave, payslips and compliance lived in different places. Critical communications reached people who rarely opened email.
HR recognised it needed simplified digital workflows that offer choice, flexibility and personalisation — while maximising productivity and freeing HR to act as a business partner and build a performance-driven culture.
As a company, it has always been our endeavor to improve both customer and employee experiences by leveraging the best of technology and digital applications. By partnering with the Leena AI team, we are working towards revolutionizing our present people experiences by actively listening to their needs and finding ways to simplify their user experience. Today, MyPAL is a trusted ally for our employees by supporting them with their queries and solutions on the go!
Shantanu RegeMD & CEO, MRHFL| Key problem | Result |
|---|---|
| Address on-field employees' queries instantly on their mobile devices | Queries resolved automatically by an AI-powered assistant, with on-the-go support |
| Broadcast updates on new features without hassle | New features introduced and employees updated in real time |
| Give HR leaders visibility into the queries employees raise | A helpdesk dashboard by ticket type, agent and resolution status |
Why it had to live on the phone
Field employees spend most of their day outside the branch on customer visits. Anything that needed a laptop or an inbox would not reach them.
MRHFL wanted one simple, conversational interface on the smartphone that unified organisational communication and self-service.
MRHFL's goals were clear: keep employees connected through their phones with anytime, anywhere access to tools, announcements and corporate information; autonomously resolve the routine queries of frontline staff; and reduce HR's workload by removing non-value-adding activity.
Senior leadership pictured a user-friendly platform with an intuitive chat interface for people processes, powered by AI and natural language processing. The search ended with Leena AI, which translated employees' requests into specific actions.
There was a strong case to unify offline and online communication across the organisation, so that every employee — in the branch or on the road — received the same information at the same time.
What MRHFL built
Leena AI and MRHFL's HR team rolled out MyPAL in phases, to build adoption step by step. When MyPAL can't find an answer, it prompts the employee to raise a ticket and routes it to the right agent automatically.
Phase 1. With MyPAL, on-field employees get instant, consistent and accurate answers 24×7 on their phones, without HR assistance. Every policy is at their fingertips.
Phase 2. Leena AI added customised IT and accounts modules for support agents, so the fleet on the street can raise and track accounts tickets in MyPAL without juggling apps — an in-house grievance platform that combines a chatbot with a repository of announcements. Payslips became downloadable on the go, even out of office.
Phase 3. Before MyPAL, HR updated mediclaim details in Excel or the internal SSO system before uploading them to the provider's application. The integration, a big ask from the field team, put complete mediclaim information at employees' fingertips and made HR more efficient. Notifications now supplement email across devices.
Phase 4 and 5. Based on surveys and feedback, 'My Seva' lets employees log social-responsibility and volunteering hours. The knowledge management module then made enterprise knowledge quick to find for a workforce that is always on the move — taking MyPAL beyond a virtual assistant to a holistic solution.
Five phases, each built on the last
- 01Basic informationAll HR policies in one place, plus leave balance, holiday calendar, reimbursement status and superannuation.
- 02Helpdesk for more teamsTicketing extended from HR and IT to accounts, with payslips and Form 16 on the go.
- 03IntegrationsThe mediclaim partner connected to MyPAL, and notifications to every employee from one dashboard.
- 04New processesLeave apply and approve in chat, and ‘My Seva’ to log volunteering hours.
- 05Knowledge managementA single repository of HR, business excellence and IT policies and SOPs.
The helpdesk dashboard shows HR leaders which tickets frontline employees raise most, how long MyPAL takes to resolve a query, which agents hold which tickets, and what gets solved or escalated.
Leena AI's Ask MyPAL has helped translate that vision into reality. Through Ask MyPAL, we have been able to empower our employee force of 10,000+ & make them feel valued!
Moonmoon RoyHead – Human Resources, MRHFLThe Leena AI team provided us with numerous customized solutions for the problem that we were facing. They are always updated on the technology front to keep us abreast with the latest functionalities.
Neha SwatiCountry Human Resources Manager, Lead – Talent Acquisition, HRBP, HR Digitization, MRHFLWhat changed
By automating query resolution and putting every policy in one place, MRHFL improved the experience of its field employees and freed up HR. In the last six months alone:
| Measure | Result |
|---|---|
| Tickets raised | 3,216 |
| Tickets resolved | 3,189 |
| Share of tickets resolved | 99% |
| Hours saved for HR and employees | 10,000+ |
| Average resolution time, year on year | 18% lower |
Leena AI is a simple, quick, and comprehensive mantra for transformation. You just need to type the keywords related to your query on MyPAL and it returns with required details to answer your query.
Sourabha KolhapureCTO, MRHFLOne update, every system
MyPAL now does more than answer questions. Mediclaim updates that used to go through spreadsheets go straight through MyPAL, and milestone messages reach employees on birthdays and anniversaries.
Next, employees will be able to update their personal details in MyPAL once and have them flow automatically to every internal system.
Moving ahead, MRHFL is equipped to meet its business goals with unified automation that serves a diverse, geographically dispersed and engaged workforce, and keeps operations modern and seamless.

About Mahindra Home Finance
Mahindra Rural Housing Finance Limited (MRHFL) is the largest housing finance company serving rural India, offering convenient, personalised home loans. Founded in 2007, it has served over 11.9 lakh customers across 88,000+ villages through more than 730 branches in 16 states, with over 10,000 employees.

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