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

Key Instrument Features

moneyboxx finance secured four awards at the BW Disrupt Festival of Fintech, winning three Gold and one Silver across categories including Financial Inclusion, Use of AI, Customer Excellence, and Fintech Innovation of the Year. The awards, announced on July 14, 2026, recognize the NBFC's efforts in driving financial inclusion and deploying technology to serve rural and semi-urban India.

The company won Gold for Financial Inclusion Fintech, acknowledging its strategic partnerships with global foundations such as the Shell Foundation, Gates Foundation, Water.org, Rabo Foundation, and Social Alpha. These alliances support Moneyboxx Finance's mission to extend credit access to underserved communities, with 30% of its customer base consisting of first-time borrowers. The company focuses on empowering MSMEs, small and marginal farmers, women entrepreneurs, and local shop owners.

In the technology domain, Moneyboxx Finance won Gold for Use of AI in Fintech for its proprietary "FaceID for Cattle" solution. This technology enables unique livestock identification and automates fraud detection through deduplication checks. The company also received Gold for Customer Excellence Solution, driven by its "phygital" lending model that combines digital tools like the Sikka App with human assistance. This approach reduced loan processing turnaround time by 70%.

Moneyboxx Finance's operational scale includes over 150 branches across 12 states, serving more than 62,000 active borrowers and impacting 200,000 lives. The Silver award for Fintech Innovation of the Year highlighted the company's Phygital Credit Management (PCM) platform and its in-house Loan Origination System, "Moneyboxx ONE." These systems integrate with a feet-on-the-street team to enhance underwriting accuracy and portfolio monitoring.

Award Categories and Achievements

Deepak, Co-Founder and Co-CEO of Moneyboxx Finance, stated that the recognitions validate the company's mission to transform rural livelihoods through innovation and empathy. He emphasized that blending technology with a human approach helps break down barriers for borrowers and drives financial inclusion. The BW Disrupt Festival of Fintech Awards, organized by BW Businessworld, are in their 6th edition.