Moneyboxx Finance Ltd. · NSE:MONEYBOXX
Moneyboxx Finance — Q1 FY27 Earnings Presentation
25 slides from Moneyboxx Finance's earnings presentation, Aug 12, 2026
Slide 1: Regulation 30 intimation cover letter
MONEYBOXX FINANCE LIMITED CIN L30007DL1994PLC260191 Registered Office:523-A, Somdutt Chambers-II, 9, Bhikaji Cama Place, New Delhi-110066, lndia Tel: 01145657452 E-mail: info@moneyboxxfinance.com Website: www.moneyboxxfinance.com Date: August 12, 2026 National Stock Exchange of India Limited, BSE Li
Slide 2: Moneyboxx Finance Limited Investor Presentation Q1 FY27
MONEYBOXX FINANCE LIMITED Empowering MSMEs in Semi-urban & Rural India Investor Presentation Q1 FY27 MONEYBOXX FINANCE LTD 1
Slide 3: Disclaimer
Disclaimer This document may contain statements regarding the Company’s market opportunity and business prospects that are individually and collectively forward-looking statements. Such forward-looking statements are not guarantees of future performance and are subject to known and unknown risks, un
Slide 4: Q1 FY27 – Business Update
Q1 FY27 – Business Update New Products: Launched Renewable (Solar) Loans in Q1; Digital Loans to commence in Q2 • FY27 Target (Solar): 10% of AUM from Solar Loans; INR 10 crore+ in Solar AUM (Jul’26) • Enabling MSME solarization in Bharat: Decentralized Renewable Energy Livelihood & Rooftop Solar •
Slide 5: Strategic Transformation
Strategic Transformation MONEYBOXX FINANCE LTD 4
Slide 6: Disbursements: Shift towards higher ticket secured lending to strong borrowers
Disbursements: Shift towards higher ticket secured lending to strong borrowers Increasing share of Secured disbursements Increasing disbursements 5+lakh ticket size Increasing 650+ credit score customers Disbursement by Product (% share) Disbursement by Ticket Size (% share) Disbursement by Credit S
Slide 7: AUM mix: Increasing secured, higher ticket & high credit score customers
AUM mix: Increasing secured (~75% with FLDG), higher ticket & high credit score customers AUM grew 5% YoY ex-ARC Increasing Secured AUM Increasing focus on 5+ lakh loan ticket size Increasing 650+ credit score customers AUM by Product (₹ Crore) AUM by Ticket Size (% share) AUM by Credit Score (% sha
Slide 8: Technology Moat for Scalable Growth
Technology Moat for Scalable Growth In-house Loan Origination System: Moneyboxx - ONE Built, Owned, Controlled by Moneyboxx; Live since May’26 Unique Cattle Identification Seamless Digital Experience Automation & Workflow Agility Guided workflows, progress tracking, and Configurable workflows with a
Slide 9: Company Overview
Company Overview MONEYBOXX FINANCE LTD 8
Slide 10: Who we are – Moneyboxx Finance Limited
Who we are – Moneyboxx Finance Limited Empowering MSMEs in Semi-urban & Rural India Fast-growing, tech-driven, impact focused NBFC AUM approaching INR 1,000 crore (INR 832 crore as on Jun’26) Business loans of ₹ 1-25 Lac in semi-urban and rural India MISSION STATEMENT Gained national presence in 7 y
Slide 11: Successfully scaling up operations
Successfully scaling up operations Today we are… 149 Branches ~ 43k Live accounts ₹832 crore AUM ₹ 2,320+ crore 75% Secured Book* Cumulative Disbursements CRISIL BBB/Stable Average Ticket Size (Q1) 34 Lenders IND BBB/Stable 1,746 Employees ₹ 7.2 lakhs – Secured 100% PSL qualified ₹ 2.3 lakhs – Unsec
Slide 12: Pan-India Presence
Pan-India Presence Diversified geographic and segment mix AUM by States (Jun’26) AUM by Customer Segment (Jun’26) CG 1.9% KA 1.8% AP 2.0% 0.8% 8.3% TG 2.9% TN 5.1% MP 27.0% 8.5% HR 6.6% GJ 7.6% 12.8% 49.3% BH 8.7% UP 18.0% RJ 9.0% 20.3% PB 9.4% Madhya Pradesh Uttar Pradesh Punjab Livestock Retail Tr
Slide 13: Branch productivity to improve with focus on higher ticket secured lending
Branch productivity to improve with focus on higher ticket secured lending Quarterly Disbursements (₹ crore) Branch Vintage & Productivity Avg. Vintage AUM AUM per Branch Branch Vintage Branches (Months) (₹ Crore) (₹ Crore) Transitory dip due to shift from 117 115 115 unsecured to secured with highe
Slide 14: Strong support from diverse lending partners
Strong support from diverse lending partners Diversified Liability Mix Banks Prominent DIs Debt Market Partners Declining Cost of Funds (COF) 16.1 Avg COF % 15.3 15.2 14.6 Marginal COF % 14.1 13.2 13.2 12.7 12.3 11.8 FY22 FY23 FY24 FY25 FY26 Increasing Debt Market participation – Lending Partnership
Slide 15: Demonstrated ability to raise equity capital
Demonstrated ability to raise equity capital Healthy capital adequacy ratio and low debt-to-equity ratio Cumulative debt funding of ₹ 1,700+ crore Diversified Debt Funding Mix as on Jun’26 Cumulative equity received ₹ 300+ crore Equity Funding ₹ crores Price ₹ /Share^ 2.8% As on Mar’19 19.03 FY20 11
Slide 16: Distinguished Board of Directors
Distinguished Board of Directors Committed to the highest level of governance, transparency, integrity and exceptional growth Mayur Modi, Co-Founder, Co-CEO and COO Deepak Aggarwal, Co-Founder, Co-CEO and CFO Chartered Accountant with more than 20 years of experience in financial Chartered Accountan
Slide 17: Experienced Management Team (1/2)
Experienced Management Team (1/2) Viral Sheth, Finance Controller Raj Bans Lal, National Credit Head Chartered Financial Analyst with more than 23 years of experience in finance covering MBA in finance with over 24 years of extensive experience in credit analysis, credit corporate finance, credit ri
Slide 18: Experienced Management Team (2/2)
Experienced Management Team (2/2) Siddhartha Ghosh, Head - HR Lalit Sharma, Company Secretary & Abhijeet Kamble, Chief Technology Officer Compliance Officer Abhijeet, a tech leader, excels in leading complex XLRI Jamshedpur alumnus with over 18 years experience in projects, scaling businesses, and f
Slide 19: Financial Performance
Financial Performance MONEYBOXX FINANCE LTD 18
Slide 20: Key Financial Metrics
Key Financial Metrics Adequate spreads and capital buffer mitigate asset quality moderation Key Ratios Q1 FY27 FY26 Spreads & NIM Average Lending IRR 24.5% 26.0% Lending IRR movement driven by shift towards secured product Average Borrowing IRR 12.5% 12.7% Borrowing IRR expected to decline and c
Slide 21: Q1 FY27 - Income Statement
Q1 FY27 - Income Statement Particulars (INR crores) Q1 FY27 Q1 FY26 Y-o-Y Q4 FY26 Q-o-Q FY26 Total income 52.12 59.12 -12% 63.23 -18% 232.13 Finance Cost 21.10 20.60 2% 20.89 1% 83.59 Net Interest Income & Fee Income 31.02 38.52 -19% 42.34 -27% 148.54 Employee Benefits Expense 20.76 22.06 -6% 18.29
Slide 22: Historical Income Statement
Historical Income Statement Particulars (INR crores) Mar’26 Mar’25 Mar'24 Mar'23 Interest Income 194.29 170.60 107.61 48.87 Fee income 13.96 15.86 10.00 1.39 Income on derecognized (assigned) loans 20.99 9.41 8.13 - Net gain on fair value changes 2.53 3.08 1.94 0.15 Other Income 0.36 0.28 0.27 0.03
Slide 23: Historical Balance Sheet
Historical Balance Sheet Particulars (INR crores) Mar ’26 Mar ’25 Mar '24 Mar '23 Particulars (INR crores) Mar ’26 Mar ‘25 Mar '24 Mar '23 LIABILITIES ASSETS Financial Liabilities 696.95 679.79 489.67 252.21 Financial Assets 936.45 885.28 638.31 312.78 Trade Payables 2.05 2.54 1.81 1.19 Cash and cas
Slide 24: Important Updates
Important Updates Diversification of business Equity capital raise Other Updates products and funding sources Secured lending: Gaining momentum Renewable Energy loans: Enabling MSME Equity raise of ₹ 33.4 crore completed in Q4 and in line to reach ~80% of AUM by solarization with OEM partnerships; t
Slide 25: Thank You
THANK YOU Gurgaon Corporate Office Address Moneyboxx Finance Ltd, DLF Building 8, Block A, 4th Floor, DLF Cyber City, Gurugram - 122002, Haryana Mumbai Head Office Address Moneyboxx Finance Ltd, Wing A-411, Kanakia Wall Street, Andheri East, Mumbai – 400093, Maharashtra info@moneyboxxfinance.com www