Moneyboxx Finance Ltd. · NSE:MONEYBOXX
Moneyboxx Finance — Q4 FY26 Earnings Presentation
26 slides from Moneyboxx Finance's earnings presentation, May 28, 2026
Slide 1: Investor Presentation filing letter to exchanges
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: May 28, 2026 National Stock Exchange of India Limited, BSE Limit
Slide 2: Moneyboxx Finance Limited Investor Presentation Q4 & FY26
MONEYBOXX FINANCE LIMITED Empowering MSMEs in Semi-urban & Rural India Investor Presentation Q4 & 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: Q4 & FY26 – Business Update
Q4 & FY26 – Business Update Successful pivot to secured lending • Secured disbursements 67% in FY26 (49% in FY25) • Secured book comprised 68% of AUM as of Mar’26 (45% Mar’25); targeting ~80% by Mar’27 (incl. guarantee programs) • Higher secured book to support AUM growth, asset quality, and improve
Slide 5: Strategic Transformation Underway
Strategic Transformation Underway MONEYBOXX FINANCE LTD 4
Slide 6: AUM mix: Increasing secured, higher ticket & high credit score customers
AUM mix: Increasing secured (68% with FLDG), higher ticket & high credit score customers Increasing Secured AUM 927 Increasing focus on 5+ lakh loan ticket size Increasing 650+ credit score customers AUM by Product (₹ Crore) 893 AUM by Ticket Size (% share) AUM by Credit Score (% share) 0.9% 0.4% 1.
Slide 7: Disbursements: Shift towards secured, higher ticket & high credit score customers
Disbursements: Shift towards secured, higher ticket & high credit score customers Increasing share of Secured disbursements Increasing disbursements 5+lakh ticket size Increasing 650+ credit score customers 94% Disbursement by Product (% share) Disbursement by Ticket Size (% share) Disbursement by C
Slide 8: Improving Collection Efficiency
Improving Collection Efficiency Collection Efficiency (%): Products & Overall Collection Vertical with 300+ Strong Team Collection Strategy Senior Leadership with domain expertise Pre-EMI Due reminders: Digital and tele-calling 96.8 95.8 95.7 300+ strong field force supported by tele- Early-
Slide 9: Technology Moat for Scalable Growth
Technology Moat for Scalable Growth In-house Loan Origination System: Moneyboxx - ONE Cattle AI — Proprietary Underwriting Built, Owned, Controlled by Moneyboxx; Live since May’26 Built, Owned, Controlled by Moneyboxx Unique Cattle Reducing Loan Field Productivity: Seamless Digital Experience Automa
Slide 10: Company Overview
Company Overview MONEYBOXX FINANCE LTD 9
Slide 11: 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 893 crore as on Mar’26) Business loans of ₹ 1-25 Lac in semi-urban and rural India MISSION STATEMENT Gained national presence in 7 y
Slide 12: Successfully scaling up operations
Successfully scaling up operations Today we are… 156 Branches ~ 50k Live accounts ₹893 crore AUM ₹ 2,240+ crore 63% Secured Book Cumulative Disbursements Average Ticket Size (Q4) 100% Direct Sales 32 Lenders 1,830 Employees ₹ 6.1 lakhs – Secured 100% PSL qualified Team ₹ 2.3 lakhs – Unsecured Transf
Slide 13: Pan-India Presence
Pan-India Presence Geographic diversification improving with expansion in South India AUM by States (Mar’26) AUM by Customer Segment (Mar’26) CG 2.1% KA 1.6% AP 1.6% TG 2.5% 8.2% TN 4.6% 8.3% MP 28.2% GJ 6.8% 10.7% BH 7.4% 53.1% HR 7.8% UP 17.3% 19.7% PB 9.4% RJ 10.7% Madhya Pradesh Uttar Pradesh Ra
Slide 14: Early-vintage branches poised for significant growth
Early-vintage branches (up to 24 months) poised for significant growth Quarterly Disbursements (₹ crore) Branch Vintage & Productivity 290 Avg. Vintage AUM AUM per Branch 202 Branch Vintage Branches (Months) (₹ Crore) (₹ Crore) 168 13-24 Months 61 18 224 3.7 121 117 115 115 106 94 25-36 Months 40 30
Slide 15: 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 16: 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 ₹ 300+ crore Debt funding of ₹ 1,425+ crore Equity Funding ₹ crores Price ₹ /Share^ Debt as on Mar’26 Sanction Outstanding As on Mar’19 19.03 Term Loans from Bank 471.0
Slide 17: 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 18: 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 19: 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 20: Financial Performance
Financial Performance MONEYBOXX FINANCE LTD 19
Slide 21: Key Financial Metrics
Key Financial Metrics Adequate spreads and capital buffer mitigate asset quality moderation Key Ratios FY26 FY25 Spreads & NIM Average Lending IRR 26.0% 27.9% Lending IRR movement driven by shift towards secured product Average Borrowing IRR 12.7% 13.2% Borrowing IRR expected to decline and conv
Slide 22: Q4 & FY26 - Income Statement
Q4 & FY26 - Income Statement Particulars (INR crores) Q4 FY26 Q4 FY25 Y-o-Y Q3 FY26 Q-o-Q FY26 FY25 Y-o-Y Total income 63.23 52.14 21% 54.72 16% 232.13 199.23 17% Finance Cost 20.89 16.75 25% 21.09 -1% 83.59 63.31 32% Net Interest Income & Fee Income 42.34 35.39 20% 33.63 26% 148.54 135.92 9% Employ
Slide 23: 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 24: 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 25: 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 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