Moneyboxx Finance Ltd(MONEYBOXX)

NSE: MONEYBOXXBSE: 538446

₹ 49.95-2.35%refreshed 26 Oct, 03:30 pm ISTMarket cap: ₹ 349 crWebsite: www.moneyboxxfinance.comUpdated: 24 Oct 2026

About

Moneyboxx Finance is a Base Layer NBFC that lends to India's underserved micro-enterprises. It offers secured and unsecured business loans from ₹1 lakh to ₹25 lakh in semi-urban and rural India, and Loan Against Property is its primary product. As of March 31, 2026 it ran 156 branches across 12 states, and its AUM was ₹832 crore as of June 2026. Revenue was 231.77 (Rs crore) in FY26.^[1][2][3]

Loan products

Business lines are Moneyboxx Vyapaar Loans (Secured and Unsecured), Renewable Energy Loans and the Sikka App (FY26 annual report).^[1]
Loan Against Property, secured on self-occupied residential property, is positioned as the primary product (FY26).^[1]
Solar loans launched in April 2026 for agri-enterprises such as atta chakki and oil expellers; average ticket size ~₹4 lakh, 4-year tenure, yield ~22-24%.^[4]
Average secured ticket size was ₹6 lakh as of Q4 FY26, with new loans at a run rate of ₹8-9 lakh.^[4]

Loan book mix

Secured AUM, including loans backed by default-loss guarantees, was ~75% in June 2026 vs 49% in June 2025.^[2]
Secured loans were 87% of disbursements in Q1 FY27 vs 67% in FY26.^[2]
From April 2026, new unsecured loans stopped except in Punjab and the partnership model, as did secured loans below ₹5 lakh.^[2]
Livestock-based loans were 37% of disbursements in Q2 FY26 vs 61% in Q2 FY25.^[5]

Branches, customers and team

156 branches across 12 states as of March 31, 2026. Underperforming rural branches are being merged, and no new states are planned for FY27.^[1][4]
Over 2,29,000 borrowers reached and over ₹2,240 crore disbursed cumulatively as of March 2026. Women make up 54% of AUM and new-to-credit customers 20%.^[1]
Headcount was 1,830 on March 31, 2026 vs 2,003 on March 31, 2025.^[1]
Partnership channel was 15% of disbursements in July 2026. The target is 20% by September-October 2026 and 30% by January 2027.^[2]

Key operating numbers

AUM was ₹832 crore in June 2026 vs ₹918 crore in June 2025. Excluding the ARC transaction, underlying growth was 5% YoY.^[2]
Disbursements were ₹77 crore in Q1 FY27 vs ₹92 crore in Q1 FY26.^[2]
NIM was 12.3% in Q1 FY27 vs 14.36% in Q1 FY26. Spread was 12.0% vs 13.3% in FY26.^[2]
Average borrowing cost was 12.5% in Q1 FY27 vs 12.7% in FY26.^[2]
Opex was 13.3% of average AUM in Q1 FY27 vs 12.8% in FY26.^[2]
Capital adequacy (CRAR) was 28.65% in Q1 FY27 vs 29.48% at March 2026.^[2]
Collection efficiency was 92.3% in Q1 FY27 vs 92.4% for FY26.^[2]

Asset quality

On-book gross NPA was 0.73% in June 2026 vs 3.59% in March 2026. Net NPA was 0.36% vs 1.75%.^[2]
Credit cost was 1.02% of average AUM in Q1 FY27 vs 3.32% in FY26.^[2]
30+ days past due (PAR) was 6.34% of AUM in Q1 FY27 vs 8.40% at March 2026.^[2]
SARFAESI action on legacy NPA accounts began in May 2026.^[4]

Funding

32 active lenders, including 11 banks, as of March 31, 2026. NCDs raised were ₹147 crore in FY26 vs ₹185 crore in the prior year.^[1]
Marginal cost of borrowing fell to 11.8% (FY26). CRISIL and India Ratings reaffirmed BBB/Stable ratings.^[1]

Technology

Moneyboxx One, the in-house loan origination system, went live in May 2026 and cuts loan processing time by 30%-40%.^[2][1]
The Cattle AI app identifies livestock by muzzle recognition. Its database covers more than two lakh cattle, and it has cut credit fraud by 25% (FY26).^[1]

Plans and targets

Targets: secured AUM at ~80%, solar loans at ~10% of AUM and a solar book of ₹100+ crore, all by March 2027.^[2]
Solar loan disbursements crossed ₹10 crore cumulatively by July 2026, with a target of ~₹20 crore/month by January 2027.^[2]
Digital lending planned to start in Q2 FY27 with a partner. Dairy partnership disbursements from August 2026 target ₹3-5 crore/month.^[2]
An institutional equity raise is targeted in H2 FY27.^[2]

Recent developments

September 2026: raised ₹60 crore through 2-year NCDs at 10.75% from Choice Finserv, Vakrangee and Vivriti Capital.^[6]
October 1, 2026: announced ₹84 crore of fresh debt (Indian Overseas Bank ₹35 crore, Bandhan Bank ₹20 crore, NBFCs ₹29 crore), taking September funding to ₹144 crore.^[7]
Board approved a ₹43.32 crore equity raise, largely from promoters, in Q4 FY26.^[8]

Market Cap

₹349 Cr

High / Low

₹89 / 36

Stock P/E

269.2

Price / Book

1.2

Book Value

₹42

EPS

₹0.2

No. of Shares

6.98 Cr

ROE

0.5%

Debt / Equity

2.24

Sales

₹232 Cr

Net Profit

₹1 Cr

Promoter holding

46.8%

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