Moneyboxx Finance Ltd. · NSE:MONEYBOXX
Moneyboxx Finance — Investor Presentation (September 2026)
44 slides from Moneyboxx Finance's investor presentation, Sep 11, 2026
Slide 1: Exchange filing cover letter: Investor Deck
September 11, 2026 National Stock Exchange of India BSE Limited Limited, Phiroze Jeejeebhoy Towers, Exchange Plaza, Bandra Kurla Complex, Dalal Street, Bandra East, Mumbai 400 051, India Mumbai 400 001, India NSE Symbol: MONEYBOXX Scrip Code: 538446 Dear Sir/Madam, Subject: Investor Deck Pursuant to
Slide 2: Moneyboxx Finance Investor Deck
Moneyboxx Finance WHY NOW 87% Investor Deck Q1 FY27 disbursements secured ~36% FY26-FY31E targeted AUM CAGR A listed NBFC building a differentiated platform for underserved MSME credit, rural productive-asset finance, green and digital lending. ~29% Capital adequacy (CRAR) A u gu st 20 26 Portfolio
Slide 3: Moneyboxx: A Snapshot
Moneyboxx: A Snapshot A listed, founder-led lending platform targeting underserved MSMEs and micro-enterprises ~₹1,000 Cr 12 156 AUM approaching scale States of presence Branches in FY26 ₹300+ Cr 34 BBB Stable Cumulative equity raised Debt lenders and partners CRISIL and India Ratings C URRE NT S TR
Slide 4: Moneyboxx 2.0: A Materially Stronger Portfolio
Moneyboxx 2.0: A Materially Stronger Portfolio The origination mix today is very different from the FY24 and FY25 book 87% ~70% ~75% 28.7% ₹1,715 Cr Q1 FY27 disbursements Q1 FY27 disbursements above Q1 FY27 disbursements 650+ CRAR in Q1 FY27 FY28E AUM target secured ₹5 lakh bureau score I NVE S TM E
Slide 5: Why Moneyboxx, Why Now
Why Moneyboxx, Why Now Six reasons the next phase can be materially different 1 Portfolio transformation 2 Growth re-acceleration 3 Operating leverage Secured disbursement share moved to 87% in FY26-FY31E AUM CAGR targeted at Opex to AUM targeted to fall to about 8.8% by Q1 FY27. approximately 36%.
Slide 6: Seven-year Operating Track Record
Seven-year Operating Track Record Distribution, lender trust and equity-raising credibility are already built AUM JO UR NE Y ( ₹ CRO RE ) B R A N C H F OO T PR IN T 927 163 893 156 730 100 344 61 30 121 22 63 11 29 FY20 FY21 FY22 FY23 FY24 FY25 FY26 FY20 FY21 FY22 FY23 FY24 FY25 FY26 ₹300+ Cr 34 11
Slide 7: FY25 and FY26: Stress Used to Build a Stronger Franchise
FY25 and FY26: Stress Used to Build a Stronger Franchise A period of deliberate strengthening rather than a broken growth story External shock Management response Moneyboxx today MFI guardrails, overleveraged borrowers and Slowed risky growth, tightened underwriting, Higher secured share, larger ave
Slide 8: New book versus Legacy book
New book versus Legacy book Metric FY24 Q1 FY27 What it means Materially lower unsecured exposure, with FLDG cover on parts of Secured disbursement share 25% 87% the book Disbursements above ₹5 lakh ~5% ~70% Higher ticket sizes lift branch productivity 650+ bureau score share ~56% ~75% Better custom
Slide 9: Four Growth Engines, One Underwriting Platform
Four Growth Engines, One Underwriting Platform A diversified NBFC platform rather than a single-product lender 1 MSME secured loans 2 Livestock finance ₹5-30 lakh LAP and business loans against a large formal-credit gap in semi- Recurring cash flows and tangible productive assets, supported by dairy
Slide 10: MSME Secured Lending: The Core Scale-up Engine
MSME Secured Lending: The Core Scale-up Engine A large, underserved market with limited focused competition at small ticket sizes ₹20-43 Tn ~₹10 Tn 14% ₹5-30 L MSME credit gap estimates Credit gap at ticket sizes up to ₹10 MSMEs accessing formal credit Moneyboxx ticket focus lakh Where Moneyboxx pla
Slide 11: Rooftop Solar: The Differentiated Growth Engine
Rooftop Solar: The Differentiated Growth Engine Green lending that improves borrower cash flow rather than only impact metrics 10% ~8x 365+ 7+ MWp ₹15 Cr+ FY27 target share of AUM Commercial and rural solar MSMEs already financed for Solar capacity financed Renewable energy disbursal capacity growth
Slide 12: Solar Borrower Economics
Solar Borrower Economics How energy savings convert into repayment capacity and stronger credit quality 1 Before financing 2 Moneyboxx loan 3 After installation Diesel and grid power costs are volatile, Finances the rooftop or productive solar asset Lower energy cost, better margins, cleaner operati
Slide 13: Solar Case Study: Borrower Unit Economics
Solar Case Study: Borrower Unit Economics Ground evidence from an Atta Chakki in Ayodhya, Uttar Pradesh Metric UoM Monthly Year 1 Year 3 Year 5 Year 6+ 25-YEAR LIFETIME BORROWER IMPACT • ~75,000 litres of diesel avoided and 201t CO2e emissions Debt Provided INR ₹5,00,000 - - - - eliminated • ₹75 Lak
Slide 14: Livestock Finance: A Defensible Specialist Franchise
Livestock Finance: A Defensible Specialist Franchise Seven years of data and field infrastructure make this segment hard to replicate Recurring cash flows Productive collateral Daily milk sales generate predictable household cash flow that maps directly Cattle function as an income-generating asset,
Slide 15: The Underwriting Moat
The Underwriting Moat Field intelligence, alternate data and product-specific models turn informal cash flows into underwritable credit Where traditional lenders struggle The Moneyboxx approach • Weak or absent income documentation • Proprietary credit scoring across 250+ data points • Volatile and
Slide 16: Technology Built for Control, Not for Show
Technology Built for Control, Not for Show Owned systems function as productivity and risk infrastructure 1 Moneyboxx ONE 2 Cattle AI 3 Sikka app In-house loan origination system with Unique cattle identification, deduplication, Customer servicing, EMI visibility, digital EMI automated KYC, Account
Slide 17: Monitoring and Collections
Monitoring and Collections The operating system behind asset quality: a branch-led model becomes a moat once productivity scales A S S E T Q U A L I TY : F Y2 6 VE R S U S Q1 FY 2 7 ( % ) Relationship-driven field model Q1 FY27 FY26 Frequent borrower touchpoints and digital communication preserve tr
Slide 18: Liability Franchise: Lender Validation and Falling Cost of Funds
Liability Franchise: Lender Validation and Falling Cost of Funds Funding access is a decisive competitive advantage for a scaling NBFC AVE RAGE C O ST O F FUN DS ( %) N C D S A S A S HA R E O F T O T A L B O R R O W I N G ( % ) 40 16.1 35 15.2 14.6 13.2 18 12.7 9 0 FY22 FY23 FY24 FY25 FY26 FY22 FY23
Slide 19: Financial Trajectory: Growth Re-accelerating on a Better Mix
Financial Trajectory: Growth Re-accelerating on a Better Mix The plan targets scale while shifting decisively toward secured assets A U M T R A J E CT O R Y ( ₹ C R OR E ) SE CURE D SHARE OF AU M ( %) 85 80 1,715 63 1,147 45 918 893 721 24 338 119 6 29 62 FY20 FY21 FY22 FY23 FY24 FY25 FY26 FY27E FY2
Slide 20: Operating Leverage: The Biggest Earnings Catalyst
Operating Leverage: The Biggest Earnings Catalyst The bridge from AUM growth to return on assets and return on equity O P EX TO A VE RA G E A UM (%) TH E E ARNI NGS BRI DGE 24.5 AUM growth ₹893 Cr to ₹1,715 Cr by FY28E 19.8 Opex leverage 12.8% to 8.8% of average AUM 15.4 12.7 12.8 12.8 11.2 10.2 Cos
Slide 21: Asset Quality Normalization is Already Visible
Asset Quality Normalization is Already Visible The improvement is showing up before it appears in full-year reported earnings Metric FY26 Q1 FY27 Direction 30+ PAR 8.40% 6.34% Improving 90+ PAR 6.25% 2.71% Strong improvement GNPA 3.59% 0.73% Post clean-up NNPA 1.75% 0.36% Low net stress Credit cost
Slide 22: Peer Lens: Early in The Operating Leverage Journey
Peer Lens: Early in The Operating Leverage Journey The gap to established specialist lenders is the opportunity, not the objection Metric Moneyboxx Established peers Investment interpretation Market capitalisation ~₹500 Cr ₹10,000 Cr+ Early institutional discovery Price to book ~1.5x* ~2.1x to 3.5x
Slide 23: How Shareholder Value Gets Created
How Shareholder Value Gets Created The mechanics of compounding, without price targets 1 Book value growth 2 ROE expansion 3 Valuation re-rating Equity capital deployed into high-yielding, Scale plus operating leverage plus a lower cost As growth quality and ROE improve, the secured and PSL-eligible
Slide 24: Founder-led Platform With a Deep BFSI Bench
Founder-led Platform With a Deep BFSI Bench Execution capability is the scarcest input in this segment Deepak Aggarwal Mayur Modi Co-founder, Co-CEO and CFO Co-founder, Co-CEO and COO Chartered Accountant with 20+ years across Bank of America, KPMG, GE Chartered Accountant with 20+ years in financia
Slide 25: Profitable Growth With Measurable Impact
Profitable Growth With Measurable Impact Impact and credit quality reinforce each other in this borrower segment 232k+ 50% 19% 126k+ 16k+ Borrowers funded Women customers by AUM New-to-credit AUM Free vet consultations Fruit-bearing trees planted C L E A N - E N E R G Y I M P AC T A L R E A D Y M E
Slide 26: Key Risks and Mitigants
Key Risks and Mitigants Asset quality and borrower stress High operating cost Funding cost Secured mix, tighter bureau cut-offs, ARC clean- Higher ticket sizes, branch productivity, digital Deeper bank relationships, PSL and SMF eligibility, up, vintage tracking, collections and legal sourcing, OEM
Slide 27: The Investment Proposition
The Investment Proposition A small listed NBFC with a credible path to a much larger and materially more profitable franchise Investment Opportunity Near-term priorities A founder-led listed NBFC positioned at the intersection of • Re-accelerate AUM growth underserved MSME credit, rural productive-a
Slide 28: Thank you
C O R P O RA TE O F F I C E Thank you DLF Cyber City, Gurugram M UM BAI O F F ICE We would welcome the opportunity to take you through the portfolio and the business plan in detail. Kanakia Wall Street, Andheri East I NV E S TO R RE L A T I O NS Stellar IR Advisers Pvt Ltd Moneyboxx Finance Limited
Slide 29: Appendix
SUPPORT ING MAT ERIA L Appendix Detailed material : corporate snapshot, market landscape, footprint, liabilities, governance, technology, historical financials and key ratios. MONEYBOXX FINANCE LTD 29
Slide 30: Appendix: Corporate Snapshot
Appendix: Corporate Snapshot Current positioning and operating footprint ~₹1,000 Cr 12 156 ₹5-30 L ₹1,715 Cr AUM approaching scale States Branches in FY26 Business loan ticket focus Target AUM by March 2028 Mission Vision Deliver easy, cost-efficient and technology-driven financing solutions to Beco
Slide 31: Appendix: Market Landscape
Appendix: Market Landscape Moneyboxx operates in the underserved missing middle Microfinance institutions Focused secured MSME NBFCs Banks and diversified NBFCs • Mostly below ₹1 lakh ticket • ₹3 to 10 lakh ticket • ₹10 to 25 lakh and above • Unsecured JLG model • Cash flow plus security assessment
Slide 32: Appendix: Geographic Footprint
Appendix: Geographic Footprint Diversification across North, Central, West and South India AUM BY STATE , J UNE 2026 (%) B R A N C H E VO LU TI ON 163 MP 27.0 156 UP 18.0 100 Punjab 9.4 Rajasthan 9.0 61 Bihar 8.7 30 22 11 Gujarat 7.6 Haryana FY20 FY21 FY22 FY23 FY24 FY25 FY26 6.6 Tamil Nadu 5.1 Curr
Slide 33: Appendix: Product and Customer Mix
Appendix: Product and Customer Mix Portfolio spread by livelihood and borrower segment A UM B Y C US TO M ER S EG M E NT, J UNE 202 6 (% ) What this shows 0.8 A strong livestock base built over seven years. The next phase needs 8.3 visible growth in secured MSME loans, rooftop solar and digital lend
Slide 34: Appendix: Liability Franchise
Appendix: Liability Franchise A diverse lender base validates the asset class and supports growth Bank lenders NBFCs and debt-market partners Impact lenders SBI, Indian Overseas Bank, DCB, IndusInd, Kotak, Tata Capital, Bajaj, Vivriti, Northern Arc, UC OikoCredit, Credit Saison India, Caspian and ot
Slide 35: Appendix: Equity Funding Track Record
Appendix: Equity Funding Track Record Repeated capital raises with high investor retention Round Amount raised Issue price FY20 ₹11.65 Cr ₹45 per share ₹302 Cr Total equity raised through FY26 FY22 ₹14.42 Cr ₹47 per share FY23 ₹48.39 Cr ₹57 and ₹80 per share Investor retention FY24 ₹84.25 Cr ₹86 per
Slide 36: Appendix: Governance and Board
Appendix: Governance and Board Board experience spanning the RBI, SBI, MFIN, government and capital markets I NDE P END E NT D IRE C TO RS NO N-E XE C UTI VE DI RE C TO RS Uma Shankar Paliwal Govind Gupta 43+ years in BFSI, including 35 years with the RBI and the Bank of Mauritius. Chartered Account
Slide 37: Appendix: Senior Management Depth
Appendix: Senior Management Depth Functional leadership beyond the founders C RE DI T AND RI SK O P ERA T IO NS , C O LL EC T IO NS A ND TE C H NO LO G Y Raj Bans Lal Sandipan Thakur National Credit Head. 24+ years across credit, rating and risk at IndusInd Bank, Head of Collections. 23+ years acros
Slide 38: Appendix: Technology Stack
Appendix: Technology Stack Owned technology enables control, speed and auditability 1 Moneyboxx ONE 2 Cattle AI In-house loan origination system with guided workflows, real-time progress Unique cattle identification, deduplication checks, fraud controls, tracking, KYC, Account Aggregator and bureau
Slide 39: Appendix: Dairy Market
Appendix: Dairy Market A large, recurring and largely unorganised productive-asset segment ~₹21 Tn 12-14% ~₹57 Tn 85% India dairy market value in 2025 Projected CAGR through 2033 Projected market size by 2033 Share of the sector that is unorganised Why Moneyboxx lends against dairy Partnership model
Slide 40: Appendix: Green and Impact Partnerships
Appendix: Green and Impact Partnerships Grant and guarantee themes Knowledge partners First-loss default guarantees, marketing grants for WASH, clean-energy asset Cash-flow models for farmers, borrower impact studies, biogas impact subsidies and second-loss guarantee facilities for green assets. stu
Slide 41: Appendix: Historical Financials
Appendix: Historical Financials Condensed income statement and balance sheet, ₹ crore I N C OM E S T A T E M E N T B A LA NC E S H E ET ₹ crore FY23 FY24 FY25 FY26 ₹ crore FY23 FY24 FY25 FY26 Total income 50 128 199 232 Financial assets 313 638 885 936 Net interest income and fees 29 85 136 149 Loan
Slide 42: Appendix: Key Ratios, FY26 & Q1 FY27
Appendix: Key Ratios, FY26 & Q1 FY27 Early evidence of asset-quality improvement after the clean-up Metric FY26 Q1 FY27 Key interpretation Average lending IRR 26.0% 24.5% The decline in lending yield is a mix effect from the shift to secured loans. The investment case depends on holding an adequate
Slide 43: Appendix: Awards and Recognition
Appendix: Awards and Recognition Reporting recognition Fintech and customer experience LACP Platinum Award for the Integrated Report FY24 and LACP, Silver Award Customer Experience Solution of the Year, Gold. Financial Inclusion Fintech, for the Digital Integrated Report FY24. Silver. Additional rec
Slide 44: Disclaimer
Disclaimer For investor discussion only This presentation is based on information provided by Moneyboxx Finance Limited and may contain forward-looking statements regarding market opportunity, business prospects, strategy, growth, profitability, asset quality and related matters. Forward-looking sta
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