Moneyboxx Finance Limited has successfully completed the allotment of non-convertible debentures worth ₹20,00,00,000 through private placement. The Working Committee of the Board of Directors approved this fundraising initiative on April 08, 2026, marking a significant step in the company's capital mobilization strategy.

Debenture Allotment Details

The company allotted 20,000 listed, senior, secured, transferable, redeemable, non-convertible debentures at a face value of ₹10,000 per debenture. The allotment was made to two identified investors on a private placement basis.

Investor Allocation

The debentures were equally distributed between two financial institutions, with each investor subscribing to 50% of the total issue.

Interest and Repayment Structure

The debentures offer an attractive interest rate of 10.20% per annum with monthly interest payments. The interest payment schedule begins from May 08, 2026, with varying amounts based on the number of days in each month. Interest payments range from ₹40.41 to ₹86.63 per unit depending on the payment date.

The principal repayment follows a structured approach with two equal installments:

Security and Listing Details

The debentures are secured by a first ranking exclusive and continuing charge over certain identified receivables of the issuer and/or fixed deposit lien marked in favor of the Debenture Trustee. The instruments will be listed on BSE Limited, providing liquidity options for investors.

In case of payment default, the company will pay additional interest at 2% per annum over the coupon rate for the defaulting period. The debentures comply with Regulation 30, 51 and other applicable regulations of the SEBI (Listing Obligation and Disclosure Requirements) Regulations, 2015.

Moneyboxx Finance Limited has demonstrated consistent improvement in collection efficiency across its loan portfolio for the period ended March 2026. The non-banking financial company, which focuses on empowering MSMEs in semi-urban and rural India, reported these updates under SEBI regulations regarding business performance disclosures.

Overall Collection Performance Shows Steady Growth

The company's collection efficiency metrics reveal a positive trajectory across all quarters of FY26. The overall collection efficiency improved significantly from the beginning of the fiscal year, showing the effectiveness of the company's collection strategies.

Secured Loans Outperform Unsecured Portfolio

Secured loans consistently demonstrated superior collection efficiency throughout the reporting period. The secured loan portfolio achieved 96.8% collection efficiency in Q3 FY26, representing a 2.2 percentage point improvement from Q1 FY26. This performance reflects the lower risk profile typically associated with collateral-backed lending.

Unsecured loans, while showing lower absolute numbers, displayed substantial improvement with collection efficiency rising from 88.1% in Q1 FY26 to 92.2% in Q3 FY26. This 4.1 percentage point improvement indicates effective collection strategies for higher-risk lending segments.

Bounce Cases Decline Significantly

The company reported a notable reduction in bounce cases within the X bucket category during the second half of FY26. Bounce cases decreased from 22.0 thousand in October 2025 to 18.6 thousand in March 2026, despite some monthly fluctuations.

Resolution Rates Improve Across Delinquency Buckets

The company achieved remarkable improvements in resolution rates across different delinquency categories. The X bucket maintained consistently high resolution rates, improving from 98.2% in September 2025 to 99.4% in March 2026.

More significantly, longer delinquency buckets showed substantial recovery improvements:

31-60 Days Bucket Performance:

• September 2025: 42.9% resolution rate
• March 2026: 71.1% resolution rate
• Improvement: 28.2 percentage points

61-90 Days Bucket Performance:

• September 2025: 40.6% resolution rate
• March 2026: 75.9% resolution rate
• Improvement: 35.3 percentage points

These improvements in longer delinquency buckets indicate enhanced collection processes and better customer engagement strategies for accounts requiring intensive recovery efforts. The company's focus on MSME lending in semi-urban and rural markets appears to be supported by effective collection mechanisms and customer relationship management.