Moneyboxx Finance Limited — PPTs, 12-08-2026: Investor Presentation

Here's a summary of the Moneyboxx Finance Limited investor presentation:

**Business Performance:** Moneyboxx continues to focus on empowering MSMEs in semi-urban and rural India. While total income saw a YoY decrease of 12% to ₹52.12 crore in Q1 FY27, the company is strategically shifting towards higher-ticket secured lending, which now forms 75% of its Assets Under Management (AUM). This segment, along with a focus on customers with credit scores of 650+, is a key driver for future growth.

**Growth Drivers or Strategy:** Key strategic initiatives include expanding into renewable (solar) loans, targeting 10% of AUM from this segment in FY27, and launching digital loans. The company is also enhancing its technology infrastructure with an in-house Loan Origination System (Moneyboxx One) and AI/ML-powered underwriting to improve efficiency and reduce loan processing times.

**Recent Developments:** Moneyboxx launched Renewable (Solar) Loans in Q1 FY27 and plans to commence digital loans in Q2 FY27. The company has seen a significant reduction in Gross Non-Performing Assets (GNPA) to 0.73% from 3.59%.

**Key Financial Metrics:** AUM stood at ₹832 crore as of June 2026, growing 5% YoY (excluding ARC). Interest Spread stood at 12.0% and Net Interest Margin at 12.3% in Q1 FY27.

**Management Commentary / Outlook:** The company is well-positioned for growth with a strong financial position, including continued support from lenders and access to debt capital markets. They aim to achieve sub-10% opex within the next two years, driven by expected AUM growth and efficiency improvements from technology initiatives.