Moneyboxx Finance has crossed ₹10 crore in renewable energy (solar) loan disbursements, signaling a strategic pivot toward green financing for small and micro enterprises. Announced on July 30, 2026, this milestone underscores the company’s effort to align its lending portfolio with India’s clean energy transition while targeting that 10% of its Assets Under Management (AUM) will comprise renewable energy loans by the end of FY27.

The expansion into solar lending is designed to make clean energy affordable and accessible for underserved micro, small, and medium enterprises (MSMEs) and rural entrepreneurs. By financing solar solutions, Moneyboxx enables its customers to reduce energy costs, improve business productivity, and enhance energy security. This initiative supports broader environmental goals by lowering carbon emissions while delivering economic value to borrowers in semi-urban and rural India.

Strategic Partnerships Driving Growth

The achievement of the ₹10 crore disbursement threshold has been realized through a strategic partnership with a leading solar original equipment manufacturer (OEM). This collaboration ensures seamless access to high-quality solar solutions for Moneyboxx’s customer base. Additionally, the initiative is bolstered by a partnership with a leading global climate foundation. This alliance helps de-risk green lending and unlocks greater capital for climate-positive investments, allowing the NBFC to scale its portfolio more aggressively.

Portfolio and Market Presence

Moneyboxx Finance operates as a listed, non-deposit taking, Base-Layer NBFC. It maintains a network of over 150 branches across 12 states, including Rajasthan, Madhya Pradesh, Haryana, Punjab, Uttar Pradesh, Chhattisgarh, Bihar, Gujarat, Telangana, Andhra Pradesh, Karnataka, and Tamil Nadu. The company primarily caters to underserved entrepreneurs in essential segments such as livestock, kirana stores, retail traders, and micro and small manufacturers. It extends secured and unsecured business loans ranging from ₹1 lakh to ₹25 lakh.

What the Numbers Show

The target of allocating 10% of AUM to renewable energy loans by FY27 represents a significant structural shift in the company’s asset composition. For a Base-Layer NBFC traditionally focused on general business loans for micro-enterprises, dedicating a double-digit percentage of its balance sheet to a specific sector like solar indicates a high conviction in the growth potential of decentralized clean energy. This move also diversifies the risk profile of the portfolio, linking loan performance to the operational efficiency of solar assets rather than just general business cash flows.

Moneyboxx Finance Limited has raised ₹500 million through the private placement of secured, non-convertible debentures (NCDs) subscribed by Capri Global Capital. This issuance brings the total debt raised via NCDs in the first four months of FY27 to ₹700 million, reinforcing lender confidence in the company's business model. The capital will support the expansion of outreach to small and micro-entrepreneurs in rural and semi-urban India.

The Working Committee of the Board of Directors approved the allotment of 50,000 NCDs on July 21, 2026. The instruments carry a coupon rate of 10.75% per annum with a tenor of 24 months, maturing on July 21, 2028. The NCDs are listed on BSE Limited and are secured by a first-ranking exclusive charge over identified receivables or a pledge on NCDs favoring the Debenture Trustee.

Interest payments are scheduled monthly, starting August 21, 2026. The principal amount will be redeemed in four equal installments of ₹12,50,00,000 each on October 21, 2027, January 21, 2028, April 21, 2028, and July 21, 2028. In case of default, the issuer will pay additional interest at 2% per annum over the coupon rate for the defaulting period.

Moneyboxx Finance is supported by 34 lenders, including prominent banks like State Bank of India, HDFC Bank and Kotak Mahindra Bank, and has raised over ₹15 billion debt to date. The company operates a network of over 150 branches spread across 12 states, catering to underserved segments such as livestock, kirana, retail traders, and micro and small manufacturers.

Allotment Details

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