Moneyboxx Finance Ltd. · NSE:MONEYBOXX
Moneyboxx Finance — Q2 FY26 Earnings Presentation
26 slides from Moneyboxx Finance's earnings presentation, Oct 30, 2025
Slide 1: Exchange filing 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 October 30, 2025 National Stock Exchange of India Ltd, BSE Limited Exc
Slide 2: Moneyboxx Finance Limited Investor Presentation Q2 FY26
MONEYBOXX FINANCE LIMITED Empowering MSMEs in Semi-urban & Rural India Investor Presentation Q2 FY26 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: Q2 FY26 – Business & Strategy Update
Q2 FY26 – Business & Strategy Update Successful business transformation to secured lending • Secured disbursements 69% in Q2 FY26 (43% in Q2 FY25) • Secured book comprised 55% of AUM as of Sep’25 (32% Sep’24); targeting ~70% by Mar’26 • Higher secured book to support AUM growth, asset quality, and o
Slide 5: 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 (moderated to INR 892 crore as on Sep’25 due to ARC transaction) MISSION STATEMENT Business loans of ₹ 1-25 Lac in semi-urban and rural I
Slide 6: Successfully scaling up operations
Successfully scaling up operations Today we are… 163 Branches ~ 56k Live accounts ₹892 crore AUM ₹ 2,000+ crore 55% Secured Book Cumulative Disbursements Average Ticket Size 100% Direct Sales 30 Lenders 2,086 Employees ₹ 4.5 lakhs – Secured 100% PSL qualified Team ₹ 2.3 lakhs – Unsecured Transformin
Slide 7: Strong support from diverse lending partners
Strong support from diverse lending partners Diversified Liability Mix Banks Prominent DIs Debt Market Partners Increasing No. of Lenders 32 33 25 17 14 FY21 FY22 FY23 FY24 FY25 Increasing Debt Market participation – Share of NCDs in Total Borrowing (%) Lending Partnerships Impact Funds 35 18 9 0 FY
Slide 8: Strong support from diverse lending partners
Strong support from diverse lending partners Declining cost of funds – to continue further in coming years Banks (FY23) Banks (FY24) Banks (FY25) Declining Cost of Funds (COF) Avg COF % 16.1 Marginal COF % Increasing No. of Banks 15.3 15.2 14.6 12 14.1 9 13.2 13.2 12.8 12.3 12.1 5 2 FY22 FY23 FY24 F
Slide 9: Demonstrated ability to raise equity capital
Demonstrated ability to raise equity capital Healthy capital adequacy ratio and low debt-to-equity ratio Cumulative equity received ~ ₹ 270 crore* Debt funding of ₹ 1,220+ crore Equity Funding ₹ crores Price ₹ /Share Debt as on 30-09-2025 Sanction Outstanding As on Mar’19 19.03 Term Loans from Bank
Slide 10: 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 11: 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 12: 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 13: Pan-India Presence
Pan-India Presence Geographic diversification improving with expansion in South India AUM by States (Sep’25) AUM by Customer Segment (Sep’25) 1.1% 1.7% 1.1% 7.1% 2.4% 2.9% 5.6% 7.5% Branches30.6% 5.7% 7.8% 9.0% 59.9% 17.7% 9.1% 16.7% 13.9% Madhya Pradesh Uttar Pradesh Rajasthan Haryana Punjab Gujara
Slide 14: Increasing focus on higher ticket secured loan, better credit score and non-livestock segment
Increasing focus on higher ticket secured loan, better credit score and non-livestock segment Increasing focus on 5+ lakh loan ticket size Increasing share of secured loans, 650+ bureau score customers & (% share of Quarterly Disbursement by Ticket size) declining share of Livestock (% share of Quar
Slide 15: Secured book increased to 55% of AUM, targeting 70% by Mar’26
Secured book increased to 55% of AUM, targeting 70% by Mar’26 AUM y-o-y growth 16% (24% excl. ARC transaction) AUM ₹ Crore 927 AUM ₹ Crore 927 892 892 25% 730 730 22% 55% 45% 32% 76% 344 344 75% 78% 29% 55% 68% 45% 121 94% 121 71% 24% 100% 100% 6% FY22 FY23 FY24 FY25 H1 FY26 FY22 FY23 FY24 FY25 Q2 F
Slide 16: Early vintage branches poised for significant growth
Early vintage branches (upto 24 months) poised for significant growth Quarterly Disbursements (₹ crore) Branch Vintage & Productivity 290 Avg. Vintage AUM AUM per Branch Branch Vintage Branches (Months) (₹ Crore) (₹ Crore) 202 155 168 Up to 12 Months 50 11 104 2.1 129 121 115 106 93 13-24 Months 36
Slide 17: Q2 FY26 – Key Metrics
Q2 FY26 – Key Metrics AUM Disbursements Total Income PAT NIMs Q2 FY25 Q2 FY26 Q2 FY25 Q2 FY26 Q2 FY25 Q2 FY26 Q2 FY25 Q2 FY26 Q2 FY25 Q2 FY26 769 Cr 892 Cr 121 Cr 115 Cr 50 Cr 55 Cr 2.0 Cr 0.3 Cr 16.7% 14.2% GNPA NNPA Capital CRAR Branches ₹ Cr Sep’24 Sep’25 Q2 FY25 Q2 FY26 Q2 FY25 Q2 FY26 Q2 FY25 Q
Slide 18: Credit cycle weighed on profitability
Credit cycle weighed on profitability Opex (% of Avg. AUM) Cost of Funds (COF) 19.8 16.1 Avg COF % 15.3 15.2 Marginal COF % 15.4 12.7 12.8 12.7 14.6 Opex stickiness to reduce with 14.1 expected AUM growth in this financial 13.2 13.2 12.8 year and target to achieve sub-10% 12.3 12.1 Opex within nex
Slide 19: Key Financial Metrics
Key Financial Metrics Adequate spreads and capital buffer mitigate asset quality moderation Key Ratios H1 FY26 H1 FY25 FY25 Average Interest Spread Average Lending IRR 26.4% 29.0% 27.9% Lending IRR movement driven by shift towards secured product Average Borrowing IRR 12.8% 13.5% 13.2% Borrowing
Slide 20: Collection efficiency range bound due to ongoing credit cycle
Collection efficiency range bound due to ongoing credit cycle, but well on path to stabilization with intense collection efforts Collection Efficiency (%) 98.6 97.3 95.4 95.8 96.7 95.8 94.9 94.6 92.5 93.1 91.6 90.8 92.5 90.2 91.1 89.9 90.0 88.1 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Secured
Slide 21: Q2 FY26 - Income Statement
Q2 FY26 - Income Statement Particulars (INR crores) Q2 FY26 Q2 FY25 Y-o-Y Q1 FY26 Q-o-Q H1 FY26 H1 FY25 Y-o-Y Total income 55.06 49.57 11.08% 59.12 -6.87% 114.18 95.26 19.86% Finance Cost 21.01 15.62 34.51% 20.60 1.99% 41.61 30.70 35.54% Net Interest Income & Fee Income 34.05 33.95 0.29% 38.52 -11.6
Slide 22: Q2 FY26 - Balance Sheet
Q2 FY26 - Balance Sheet Particulars (INR crores) Sep’25 Sep’24 Particulars (INR crores) Sep’25 Sep’24 LIABILITIES ASSETS Financial Liabilities 665.32 476.62 Financial Assets 877.39 709.28 Payables 0.35 3.83 Cash and cash equivalents 39.28 113.77 Debt Securities 269.55 56.83 Bank balance (other than
Slide 23: Historical Income Statement
Historical Income Statement Particulars (INR crores) Mar’25 Mar'24 Mar'23 Mar'22 Interest Income 170.60 107.61 48.87 22.32 Interest expenses 63.31 42.81 21.68 10.56 Net Interest Income (NII) 107.29 64.80 27.19 11.76 Fee income 15.86 10.00 1.39 0.27 Income on derecognized (assigned) loans 9.40 8.13 -
Slide 24: Historical Balance Sheet
Historical Balance Sheet Particulars (INR crores) Mar ‘25 Mar '24 Mar '23 Mar '22 Particulars (INR crores) Mar ‘25 Mar '24 Mar '23 Mar '22 LIABILITIES ASSETS Financial Liabilities 679.79 489.67 252.21 99.43 Financial Assets 892.41 638.30 312.78 130.42 Trade Payables 2.54 1.81 1.19 - Cash and cash eq
Slide 25: Important Updates
Important Updates Diversification of funding sources and lowering of Equity capital raise Other Updates funding cost Secured lending: Gaining momentum Partnerships: visibility of ₹ 500 crore p.a. of Equity raise of ₹ 175.8 Cr (including warrants and in line to reach ~70% of AUM by lending partnershi
Slide 26: 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