Moneyboxx Finance Limited (MONEYBOXX) Financial Results — Revenue ₹232 Cr

Revenue: ₹232 CrNet Profit: ₹1.34

📢 Key Event
Moneyboxx Finance reported Q4 FY26 results with improving asset quality and strategic shift toward secured lending.

🔄 What Changed
Gross NPA decreased to 3.59% and net NPA to 1.75% from prior-year levels; secured loans grew to 68% of AUM; total income rose to INR63.23 crores in Q4 FY26.

🔮 What's Next
AUM growth expected to resume from May 2026 onward; target 80% secured loans by March 2027; solar financing to contribute ~10% of AUM by March 2027.

💡 Investor Takeaway
Improving asset quality and strategic focus on secured lending position Moneyboxx for sustainable growth despite near-term macro challenges.

Moneyboxx Finance reported INR893 crores AUM as of March 2026, up 6% YoY, with total income at INR63.23 crores in Q4 FY26 versus INR52 crores a year earlier. Profit after tax was INR0.47 crores in Q4 and INR1.34 crores for the full fiscal year, while net interest margin stood at 13.5%. Gross NPA improved to 3.59% and net NPA to 1.75% from higher prior-year levels, supported by SARFAESI recoveries starting May 2026. Secured loans now make up 68% of AUM, targeting 80% by March 2027, with higher-ticket and solar energy financing driving growth. Management expects AUM growth to resume from May 2026 through branch productivity and strategic partnerships, including a 3.3% first loss guarantee from Rabo Foundation and 10% second loss guarantee from Shell Foundation.

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