Moneyboxx is pivoting from unsecured to higher-ticket secured lending, causing temporary moderation in disbursements and income while attempting to build a more resilient, tech-driven portfolio.
Q1 FY27 presentation highlights a strategic shift toward secured lending (87% of disbursements) and higher ticket sizes. Asset quality improved with GNPA dropping to 0.73% after ARC transactions.
Moneyboxx reported FY26 Total Income of ₹232.13cr (up 17% YoY) and PAT of ₹1.34cr. The firm pivoted to 67% secured disbursements, targeting 80% secured book by Mar'27.
Moneyboxx Finance Q4 & FY26 presentation highlights a strategic pivot to secured lending (67% of FY26 disbursements) and expansion in semi-urban/rural MSME segments. Total Income grew 17% YoY to ₹232.13 crore in FY26.