Promoters of moneyboxx finance have pledged a portion of their shareholding during the financial year ending March 31, 2026. The disclosures were submitted to the National Stock Exchange of India and BSE Limited on April 07, 2026, under Regulation 31(4) of the SEBI (Substantial Acquisition of Shares and Takeovers) Regulations, 2011.

Deepak Aggarwal, a Promoter holding 25,95,000 equity shares, disclosed an encumbrance in the form of a pledge for 11,70,000 equity shares in FY 2025-26. Similarly, Mayur Modi, also a Promoter holding 25,95,000 equity shares, pledged 11,70,000 equity shares during the same period.

Moneyboxx Capital Private Limited, classified as a Promoter, stated that it has not made any encumbrance, directly or indirectly, in FY 2025-26. The entity holds 2,68,12,056 equity shares in Moneyboxx Finance Limited.

Members of the Promoter Group reported no encumbrances. Govind Gupta, holding 1,50,000 equity shares, and Priyanka Gupta, holding 5,00,000 equity shares, confirmed they did not create any pledges. Richa Aggarwal, holding 14,000 equity shares, also declared no encumbrance during the financial year.

Shareholding and Encumbrance Details

Moneyboxx Finance Limited has projected a robust 43% to 44% growth in assets under management (AUM) for FY27, driven by a strategic shift towards secured lending and new product launches such as renewable energy financing. The company disclosed this guidance during its investor earnings conference call held on May 29, 2026, discussing the financial results for the quarter and year ended March 31, 2026. Management emphasized that the transition to a secured lending-led franchise is aimed at improving portfolio resilience and long-term stability.

Financial Performance

For the financial year 2026, Moneyboxx Finance reported a total income of INR232 crores compared to INR199 crores in the previous year. Profit after tax for FY26 stood at INR1.34 crores, a marginal increase from INR1.25 crores in FY25. The company’s AUM stood at INR893 crores as of March 2026. Net interest margin for the year was 13.9%, while operating expenses were reported at 12.8%.

Asset Quality and Collection Efficiency

The company witnessed significant improvement in asset quality, with gross NPA and net NPA declining to 3.59% and 1.75%, respectively, from 6.61% and 3.42% in the corresponding period last year. Collection efficiency remained strong during the quarter, moving to around 93.5%. Resolution rates in bucket 1 (30-60 days) and bucket 2 (60-90 days) improved to over 70% and 75%, respectively.

Strategic Shift and Growth Drivers

Moneyboxx Finance continued its strategic transition towards a secured lending-led franchise, with secured loans constituting around 68% of the AUM. The company aims to reach nearly 80% secured AUM by March 2027. During the year, the company launched renewable energy loans, targeting around 10% of AUM by March 2027. The average ticket size for secured loans has increased to INR6 lakhs, with a run rate of INR8 lakh to INR9 lakh.

Partnerships and Capital Adequacy

The company strengthened its underwriting framework through partnerships with institutions like Rabo Foundation and Shell Foundation, providing first loss and second loss default guarantees. Capital adequacy ratio stood at a comfortable 29.48%, providing sufficient headroom for future growth. Management indicated that equity is not inadequate for the current FY27 plan but expects to raise some equity in the second half of the year.