Moneyboxx Finance Ltd. · NSE:MONEYBOXX
Moneyboxx Finance — Q3 FY26 Earnings Presentation
27 slides from Moneyboxx Finance's earnings presentation, Feb 12, 2026
Slide 1: Regulation 30 cover letter to stock 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 February 12, 2026 National Stock Exchange of India Ltd, BSE Limited Ex
Slide 2: Moneyboxx Finance Limited Investor Presentation Q3 FY26
MONEYBOXX FINANCE LIMITED Empowering MSMEs in Semi-urban & Rural India Investor Presentation Q3 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: Q3 FY26 – Business & Strategy Update
Q3 FY26 – Business & Strategy Update Successful pivot to secured lending • Secured disbursements 67% in 9M FY26 (44% in 9M FY25) • Secured book comprised 60% of AUM as of Dec’25 (38% Dec’24); targeting ~80% by Mar’27 • Higher secured book to support AUM growth, asset quality, and improve opex effici
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 (INR 878 crore as on Dec’25) Business loans of ₹ 1-25 Lac in semi-urban and rural India MISSION STATEMENT Gained national presence in 6 y
Slide 6: Successfully scaling up operations
Successfully scaling up operations Today we are… 156 Branches ~ 53k Live accounts ₹878 crore AUM ₹ 2,110+ crore 60% Secured Book Cumulative Disbursements Average Ticket Size 100% Direct Sales 31 Lenders 1,925 Employees ₹ 5.1 lakhs – Secured 100% PSL qualified Team ₹ 2.3 lakhs – Unsecured Transformin
Slide 7: Secured book increased to 60% of AUM, targeting 80% by Mar'27
Secured book increased to 60% of AUM (~65% with FLDG), targeting 80% by Mar’27 AUM y-o-y growth 5% (17% excl. ARC transactions) AUM ₹ Crore 927 AUM ₹ Crore 927 878 878 25% 730 730 21% 55% 35% 32% 5% ~5% Unsecured AUM backed by 76% First Loss Default 344 Guarantee 344 75% 79% 29% 60% 68% 45% 121 94%
Slide 8: Increasing focus on higher ticket size secured loan and better credit score customers
Increasing focus on higher ticket size secured loan and better credit score customers Increasing focus on 3+ lakh loan ticket size Increasing share of 3+ lakh loan ticket size, secured loans & 650+ (% share of AUM by Ticket size) bureau score customers (% share of Annual/ 9-Month Disbursements) 0.9%
Slide 9: Pan-India Presence
Pan-India Presence Geographic diversification improving with expansion in South India AUM by States (Dec’25) AUM by Customer Segment (Dec’25) CG 2.3% TG 2.1% KA 1.4% AP 1.4% 7.9% TN 4.0% 7.9% GJ 6.3% MP 29.3% 9.1% BH 6.5% 56.3% HR 8.3% 18.8% PB 9.2% UP 17.0% RJ 12.4% Livestock Retail Traders Service
Slide 10: 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) 155 168 Up to 12 Months 6 11 10 1.6 121 117 115 106 94 13-24 Months 70 1
Slide 11: Improving Collection Efficiency
Improving Collection Efficiency Declining bounce cases and improvement in resolution rates across buckets Collection Efficiency (%): Products & Overall 22.0 Bounce Cases (‘000): X Bucket 96.8 95.8 21.0 94.6 93.9 19.9 92.5 92.2 19.2 90.8 90.0 88.1 17.9 Q1 FY26 Q2 FY26 Q3 FY26 Oct-25 Nov-25 Dec-25 Jan
Slide 12: 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 13: 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 12.7 12.3 11.8 5 2 FY22 FY23 FY24 F
Slide 14: 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 ₹ 1,390+ crore Equity Funding ₹ crores Price ₹ /Share^ Debt as on 31-12-2025 Sanction Outstanding As on Mar’19 19.03 Term Loans from Bank
Slide 15: 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 16: 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 17: 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 18: Transformative Technologies: Cattle AI App
Transformative Technologies: Cattle AI App Proprietary AI powered solution, deployed in Mar’25, automates cattle identification Key AI Features Performance That Matters: Accuracy, Efficiency & Impact • Detects cattle uniqueness to prevent duplicate funding • Predicts age based on images captured in
Slide 19: Q3 FY26 – Key Metrics
Q3 FY26 – Key Metrics AUM Disbursements Total Income PAT NIMs Q3 FY25 Q3 FY26 Q3 FY25 Q3 FY26 Q3 FY25 Q3 FY26 Q3 FY25 Q3 FY26 Q3 FY25 Q3 FY26 837 Cr 878 Cr 168 Cr 115 Cr 52 Cr 55 Cr 0.20 Cr 0.35 Cr 16.60% 13.95% GNPA NNPA Capital CRAR Branches ₹ Cr Dec’24 Dec’25 Q3 FY25 Q3 FY26 Q3 FY25 Q3 FY26 Q3 FY
Slide 20: 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 12.9 14.6 Opex stickiness to reduce with 14.1 expected AUM growth and target to 13.2 13.2 12.7 achieve sub-10% opex within next two 12.3 11.8 years FY22 FY23 F
Slide 21: Key Financial Metrics
Key Financial Metrics Adequate spreads and capital buffer mitigate asset quality moderation Key Ratios Q3 FY26 Q3 FY25 FY25 Average Interest Spread Average Lending IRR 26.2% 27.9% 27.9% Lending IRR movement driven by shift towards secured product Average Borrowing IRR 12.6% 12.9% 13.2% Borrowing
Slide 22: Q3 FY26 - Income Statement
Q3 FY26 - Income Statement Particulars (INR crores) Q3 FY26 Q3 FY25 Y-o-Y Q2 FY26 Q-o-Q 9M FY26 9M FY25 Y-o-Y Total income 54.72 51.83 5.6% 55.06 -0.6% 168.90 147.09 14.8% Finance Cost 21.09 15.86 32.9% 21.01 0.4% 62.70 46.56 34.7% Net Interest Income & Fee Income 33.63 35.97 -6.5% 34.05 -1.2% 106.2
Slide 23: Q3 FY26 - Balance Sheet
Q3 FY26 - Balance Sheet Particulars (INR crores) Dec’25 Dec’24 Particulars (INR crores) Dec’25 Dec’24 LIABILITIES ASSETS Financial Liabilities 681.59 506.54 Financial Assets 891.28 733.45 Payables 0.12 3.62 Cash and cash equivalents 61.47 84.57 Debt Securities 271.49 75.59 Bank balance (other than c
Slide 24: 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 Fee income 15.86 10.00 1.39 0.27 Income on derecognized (assigned) loans 9.41 8.13 - - Net gain on fair value changes 3.08 1.94 0.15 - Other Income 0.28 0.27 0.03 0.71 Total Inc
Slide 25: 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 892.42 638.31 312.78 130.43 Trade Payables 2.54 1.81 1.19 - Cash and cash eq
Slide 26: 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 ₹ 300 crore p.a. of Equity raise of ₹ 43.3 Cr announced in Q4 and in line to reach ~80% of AUM by lending partnerships FY
Slide 27: 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