Moneyboxx Finance Limited reported a net profit of ₹1.34 crore for the financial year ended March 31, 2026, marking a 7.4% increase from ₹1.25 crore in the previous year. Revenue from operations for the year grew 16.5% to ₹232.13 crore, driven primarily by interest income and net gains on the derecognition of financial instruments. The Board of Directors approved the audited standalone financial results at its meeting held on May 28, 2026. The company subsequently submitted copies of the newspaper publication of these results to the National Stock Exchange of India Ltd and BSE Limited on May 29, 2026, as published in Financial Express and Jansatta.

For the quarter ended March 31, 2026, the company posted a profit after tax of ₹0.47 crore, a significant turnaround from the loss of ₹5.29 crore recorded in the same period last year. Total income for the quarter stood at ₹63.23 crore, compared to ₹52.14 crore in the corresponding quarter of the previous year. The statutory auditors, M/s Gaur & Associates, issued an unmodified opinion on the financial statements.

Strategic Transformation

The company executed a successful pivot to secured lending during the year. Secured disbursements accounted for 67% in FY26, up from 49% in FY25. Consequently, the secured book comprised 68% of Assets Under Management (AUM) as of March 26, 2026, compared to 45% in the previous year. Moneyboxx is targeting approximately 80% secured AUM by March 2027. The overall AUM for FY26 stood at ₹893 crore.

Financial Performance

The company's asset base expanded during the year, with total assets reaching ₹995.32 crore as of March 31, 2026, up from ₹938.77 crore a year earlier. Loans and advances constituted the largest portion of assets at ₹688.44 crore. The net worth of the company improved to ₹296.23 crore, bolstered by a preferential allotment of equity shares aggregating ₹33.44 crore in March 2026.

Operational Efficiency

Moneyboxx improved its asset quality, with Gross Non-Performing Assets (GNPA) reducing to 3.59% as of March 26, 2026, from 6.61% in the previous year. The Net Interest Margin (NIM) stood at 13.9%, while the cost of funds declined to an average of 12.7%. The company also strengthened its technology stack, rolling out an in-house Loan Origination System (Moneyboxx One) in May 2026 and deploying AI-supported underwriting models to enhance efficiency.

Corporate Developments

The Board approved a proposal for the restructuring of Group Companies to rationalize the group structure and streamline operations. Additionally, the company forfeited ₹28.23 crore of upfront subscription money received against the allotment of convertible warrants in September 2024, as warrant holders did not exercise their conversion option within the prescribed period. The trading window for dealing in the company's securities will remain closed until 48 hours after the declaration of these financial results.

Moneyboxx Finance Limited has established a framework for the fair disclosure of Unpublished Price Sensitive Information (UPSI) to ensure transparency and prevent selective dissemination. The company has adopted the Code of Practices and Procedures for Fair Disclosure of Unpublished Price Sensitive Information, approved by its Board of Directors on May 28, 2026. This initiative is designed to maintain uniformity in dealings with all stakeholders and ensure adherence to applicable laws and regulations.

The code mandates the prompt public disclosure of any UPSI that could impact price discovery as soon as credible and concrete information is available. It requires uniform dissemination to stock exchanges and simultaneous publication on the company's website. The Compliance Officer has been designated as the Chief Investor Relations Officer (CIRO), responsible for overseeing and coordinating all disclosures to stock exchanges, shareholders, analysts, and the media.

Governance and Oversight

The CIRO is tasked with ensuring that no UPSI is disclosed selectively to any research analysts or investors to the disadvantage of other stakeholders. All information must be handled on a "need to know" basis, disclosed only to officials who require it to discharge their duties. The CIRO, in consultation with senior management, will determine whether information is price sensitive, barring information already classified as such under the Companies Act 2013 or SEBI regulations.

Handling of Information and Rumors

The company has outlined specific protocols for responding to market rumors and verifying news reports. Authorized spokespersons, including the CIRO and the Investor Relations Team, are responsible for providing fair responses to queries from regulatory authorities. They will also determine the necessity of a public announcement to verify or deny rumors.

Sharing of UPSI is permitted only for legitimate purposes, such as business operations with partners, lenders, or legal advisors, and for the discharge of legal obligations. Recipients of UPSI are formally notified of their duties and the confidentiality requirements attached to the information.

Record Keeping

A structured digital database of all recipients of UPSI will be maintained by the CIRO. This database will include the recipient's name, organization, postal address, email ID, and Permanent Account Number (PAN) or other legal identifier. The company has implemented internal controls to ensure the integrity and non-tampering of this database.