Moneyboxx Finance targets 44% AUM growth in FY27
Moneyboxx Finance Limited released the transcript of its Q4FY26 earnings call, detailing a financial year focused on transition and portfolio strengthening. The company reported a total income of INR232 crores and a net profit of INR1.34 crores for FY26, with AUM at INR893 crores. Asset quality improved significantly, with GNPA and NNPA reducing to 3.59% and 1.75%, respectively. Management projected a 43-44% AUM growth for FY27, supported by a strategic shift towards secured lending, which now constitutes 68% of the portfolio. New initiatives include renewable energy loans and partnerships for credit guarantees.
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Moneyboxx Finance Limited has released the transcript of its investor earnings conference call held on May 29, 2026, discussing the financial results for the quarter and year ended March 31, 2026. The company reported a year of transition, focusing on strengthening its portfolio quality and shifting towards secured lending. Management projected a robust 43% to 44% growth in assets under management (AUM) for FY27, driven by secured loans and new product launches like renewable energy financing.
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%.
| Metric | FY26 | FY25 |
|---|---|---|
| Total Income | INR232 crores | INR199 crores |
| Profit After Tax | INR1.34 crores | INR1.25 crores |
| Net Interest Margin | 13.9% | - |
| Gross NPA | 3.59% | 6.61% |
| Net NPA | 1.75% | 3.42% |
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.
Historical Stock Returns for Moneyboxx Finance
| 1 Day | 5 Days | 1 Month | 6 Months | 1 Year | 5 Years |
|---|---|---|---|---|---|
| +1.39% | -2.58% | -4.99% | +2.88% | -10.49% | -10.49% |
How will the shift toward 80% secured AUM impact the company's risk profile and yield over the next two years?
What specific market segments is Moneyboxx targeting for its renewable energy financing, and how competitive is this landscape?
Will the planned equity raise in the second half of FY27 dilute existing shareholders significantly, and what valuation metrics are being targeted?
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