Moneyboxx Finance Ltd

Meeting Details

• Date: August 13, 2026; time not disclosed.
• Type/Mode: Earnings conference call; virtual group call.
• Event: Moneyboxx Finance Q1 FY27 Earnings Conference Call.
• Organiser: Stellar Investor Relations.
• Purpose: Discuss Q1 FY27 earnings performance.

Participants

• Management participants: Co-Founders and Financial Controller.

Purpose

• Primary purpose: discuss Q1 FY27 performance and outlook.

Additional Notes

• Conference recording available; transcript and investor presentation uploaded on stock exchanges and company website.
• Transcript attached to filing.

Business & Strategy

• Solar loans launched in Q1; digital loans to commence in Q2.
• FY27 solar AUM target: 10% of AUM; Solar book ₹10 crore+ by Jul'26.
• Secured book ~75% of AUM as of Jun'26; target ~80% by Mar'27.
• National franchise across 12 states; phygital branch model for scalability.
• AUM near ₹1,000 crore; Jun'26 AUM ₹832 crore.

Technology & Digital Enablement

• In-house LOS Moneyboxx ONE live since May'26.
• ML/AI underwriting (Cattle AI) and MBCollect collections app.
• Real-time dashboards for disbursements, productivity, TATs, and portfolio metrics.
• No vendor dependency; full data ownership and configurable workflows.
• Fraud controls with geo-tagging; audit-ready operations.

Asset Quality & Lending Mix

• GNPA on-book 0.73%; NNPA 0.36%.
• Credit cost 1.02% of Avg AUM.
• Secured AUM ~75% with FLDG; higher-ticket secured lending.
• Collection efficiency 92.3%.
• Leverage: TOL/owned funds 3.12x; Debt/Equity 2.20x; CRAR 28.65%.

Financial Performance

• Q1 FY27 total income ₹52.12 crore; PAT ₹0.21 crore.
• Q1 FY27 Net Interest Income & Fee Income ₹31.02 crore.
• FY26 total income ₹232.13 crore; assets ₹995.32 crore.
• NCD issuances; calendar 2025 ₹302 crore.
• Equity raised ₹33.4 crore in Q4 FY26; cumulative ₹300+ crore.

Capital Structure & Liquidity

• Debt funding ₹1,700+ crore; diverse funding mix.
• Cash & cash equivalents ₹82.89 crore; bank balances ₹60.51 crore.
• Equity raised ₹300+ crore since inception; CRAR 28.65%.

Governance & Leadership

• Board comprises independent directors; Mayur Modi and Deepak Aggarwal on board.
• Key management: Viral Sheth (Finance Controller), Vivek Meharwal (CBO), Abhijeet Kamble (CTO).
• ESG & Impact lead: Tammineni Rajitha.

Outlook & Risks

• Growth driven by secured lending expansion and solar AUM growth.
• Risks include asset quality moderation; mitigated by strong collections and provisioning.

Financials

• PAT after tax for quarter ended 30 Jun 2026: ₹20.70 lakh.
• Earnings per share: Basic ₹0.03, Diluted ₹0.03.
• Audit: Limited Review conducted; Audit Committee reviewed the results.
• Net worth ₹29,648.01 lakh; Debt/Equity 2.20x; Debt to assets 0.66x.
• Asset cover over listed NCDs: 1.10x; Security cover: 11x.

Capital & debt actions

• Board approved enabling issue of NCDs/CPs up to ₹1,200 crore.
• Issuances to be in one or more series/tranches under Companies Act, 2013.
• Total listed NCDs outstanding: ₹352 crore.
• Stressed loans to ARC: 4,517 accounts; ₹4,750 lakhs; tenor 15.31 months; ₹3,300 lakhs consideration.
• Stressed loans acquired: 2,471 accounts; ₹1,644 lakhs; ₹0.02 crore consideration.
• Investor complaints: none outstanding.

Governance

• Deepak Aggarwal reappointed Co-CEO, CFO & WTD for five years from 15-Sep-2026.
• Subject to shareholders' approval; not debarred from holding office.

Business model

• NBFC registered with RBI; no separate segments per IND AS 108.

Meeting Details

• Date and time: August 13, 2026 at 02:30 PM IST.
• Mode: Virtual meeting.
• Type: Group investor meeting.
• Event: Q1 FY27 Earnings Call of Moneyboxx Finance Limited.

Participants

• Management: Co-founders/Co-CEOs; COO; CFO; Finance Controller.

Purpose

• Discuss Q1 FY27 earnings results for quarter ended June 30, 2026.

Additional Notes

• Audio recording and transcript will be available on the company website.

Meeting Details

• The board meeting is scheduled for August 12, 2026.
• Time not disclosed.
• Location not disclosed.

Key Agenda Items

• Consider, approve and take on record the unaudited financial results for the quarter ended June 30, 2026.

Other Notes

• Trading window closes from July 01, 2026 until 48 hours after results declaration.

Milestone

• Crossed INR 10 crore in Renewable Energy (Solar) loan disbursements.

Strategic partnerships

• Strategic partnership with a leading solar OEM enables access to solar solutions.
• Partnership with a global climate foundation helps de-risk green lending and unlock capital.

Green lending target

• Aiming for 10% of Assets Under Management in Renewable Energy Loans by FY27.

Strategic objective

• Plans to scale green finance to MSMEs and rural customers.

Awards highlights

• Won 3 Gold and 1 Silver across four categories.
• Gold in Financial Inclusion Fintech.
• Gold for AI in Fintech (FaceID for Cattle).
• Gold in Customer Excellence Solution; Silver for Fintech Innovation.

Operational reach

• Over 150 branches across 12 states.
• Active borrowers exceed 62,000.
• Approximately 200,000 lives impacted in rural and semi-urban India.

Partnerships and social impact

• Strategic partnerships with Shell Foundation, Gates Foundation, Water.org, Rabo Foundation, and Social Alpha.

Technology and product innovations

• AI-powered FaceID for Cattle for identity checks.
• Phygital Credit Management (PCM) platform and Moneyboxx One LOS.
• MB Collect App and Sikka App enhance onboarding and EMI tracking.