Moneyboxx Finance Limited — Investor Meet, 02-06-2026: Analysts/Institutional Investor Meet/Con. Call Updates

Moneyboxx Finance Limited held an earnings conference call to discuss Q4 and FY26 financial results. Management provided an update on business performance, strategic priorities, and the company's outlook.

**Financial Performance & Strategy:**

Revenue for Q4 FY26 was INR63.23 Cr, up from INR52 Cr YoY. FY26 revenue stood at INR232 Cr, an increase from INR199 Cr in FY25. Net interest margin for FY26 was 13.9%. Gross NPA improved to 3.59% and Net NPA to 1.75%. PAT for FY26 was INR1.34 Cr. The company is transitioning towards a secured lending model, with secured loans forming 68% of AUM, targeting 80% by March 2027. AUM was INR893 Cr as of March 2026.

**Management Commentary & Outlook:**

Management expressed confidence in improving portfolio quality and collection efficiency, now at 93.5%. The focus is on disciplined underwriting, operational efficiency, and expanding secured lending. Growth is expected to pick up from the current month, with a projected AUM jump of 43-44% for the year. New initiatives include renewable energy loans and digital lending.

**Investor Angle:**

The company is strategically shifting towards higher-ticket, secured MSME lending to enhance portfolio resilience and manage costs. While yields may moderate, cost reduction and improved credit quality are key focus areas. The tone is cautiously optimistic, with management confident in achieving growth targets.