Moneyboxx Finance Limited has informed the Exchange about Transcript
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Moneyboxx Finance reported AUM of INR 892 crore, up 16% year-on-year, with total income growing 10% to INR 55 crore. Profit after tax fell to INR 0.3 crore from INR 2.3 crore, hurt by higher credit costs and muted disbursements. The company is aggressively shifting to secured lending, which now accounts for 69% of disbursements (up from 43% last year), with a target of 70% of AUM in secured loans by March 2026. On-book gross NPA stood at 3.26% and net NPA at 1.66%, with credit cost for H1 at 3.02%. Management guided for AUM growth of 25-30% YoY, targeting INR 1,800+ crore AUM by March 2027, and announced a 1:1 bonus issue. Cost of borrowing improved to 12.1% incremental, and the company expects it to move into single digits over time. Capital raise of INR 84.72 crore from warrants is expected between December 2025 and February 2026, largely from promoters.
The shift to secured lending and improving credit quality are positive structural steps, but weak near-term profitability (PAT down 87% YoY, ROA at 0.1%) keeps the stock under pressure. The 1:1 bonus issue and committed promoter warrant conversion are shareholder-friendly signals, but actual earnings recovery hinges on credit cost normalization and AUM growth materializing in coming quarters.