Moneyboxx Finance Ltd

Moneyboxx Finance Ltd: Strategic Expansion & Improved Margins 🚀📊

- AUM growth target set at 43-44% for the current financial year.

- Secured loans now make up 68% of AUM (up from 45%), targeting 80% by March 2027.

- Gross NPA improved to 3.59% (from 6.61%), net NPA now 1.75% (from 3.42%).

- Profit after tax (PAT) for FY26: INR1.34 crore, with Q4 PAT at INR0.47 crore.

- Credit cost for FY26: 3.32%, expected to drop below 2% soon.

- Renewable energy loans launched—expected to form 10% of AUM by March 2027 (initial disbursement: INR50 lakh in April, scaling to INR5 crore in May).

- Collection efficiency at 93.5%; current bucket efficiency stands at 99.4%.

- Capital adequacy ratio remains strong at 29.48%.

- Partnerships with Rabo Foundation (3.3% first loss default guarantee) & Shell Foundation (10% second loss guarantee) to strengthen underwriting.

- Opex at 12.8% for FY26, with focus on operational efficiency.

- Digital lending segment entry planned in coming quarters.

- Branch network optimized—no new expansions, focus on productivity.