| Metric | Value (₹ Cr) |
|---|---|
| Revenue | 52.08 |
| Total Income | 52.14 |
| Expenditure | 56.01 |
| PBT | -3.87 |
| Net Profit | -5.29 |
| OPM | 29.21% |
| NPM | -10.14% |
| EPS | 1.62 |
Moneyboxx Finance Reports 56% Growth in FY25, Strengthens Secured Lending and National Expansion
28 May 2025 · 28 May 2025, 07:31 pm
Summary
Moneyboxx Finance Limited, a leading NBFC providing business loans to micro and small entrepreneurs in rural and semi-urban India, reported a robust 56% year-on- year growth in Total Income, reaching INR 199.23 crore in FY25 compared to INR 127.96 crore in FY24. The Company made further progress in FY25 on its strategy of geographic diversification and increasing secured lending by opening branches in the south Indian states and increasing the share of secured lending. However, the Company experienced an increase in delinquency, and consequently, higher credit costs in FY25. Despite this, the Company has effectively navigated the industry-wide stress in unsecured loans by strategically pivoting to secured lending and intensifying collection efforts.
Key Highlights
- 1
Gained national presence with entry into south India with branches increasing to 163
- 2
Secured book increased to 45% of AUM as of Mar’25 compared to 24% as of Mar’24
- 3
Reports 27% growth in AUM and 56% growth in total income in FY25 compared to last year
- 4
Robust capital position with 29.3% CRAR supported by equity raise of INR 175.8 crore in Q2 FY25
- 5
Concluded its highest-ever NCD raise of INR 185 crore in FY25
- 6
Supported by 33 lenders, including 12 banks
- 7
Experienced an increase in delinquency, and consequently, higher credit costs in FY25
- 8
Gross NPA (on-book) increased to 6.61 % of AUM as of 31.03.2025 compared to 5.60% as of 31.12.2024
- 9
Net NPA (on-book) increased to 3.42% as of 31.03.2025 compared to 2.88% as of 31.12.2024
- 10
Effectively navigated the industry-wide stress in unsecured loans by strategically pivoting to secured lending and intensifying collection efforts
- 11
Collection efficiency has been declining, but the Company has observed a turnaround in collection efficiency from November 2024 onwards
Management Comments
Deepak Aggarwal (Co-CEO & CFO)
Remarkable progress was made during the year on various strategic fronts — pivoting to secured lending, geographic diversification with entry into South India, and gaining strong support from lending partners and equity investors. With a sound business model focused on 3 P’s (People, Processes, and Product), a strong balance sheet, and focused collection efforts, we are confident of emerging successfully from the current credit cycle.
Informational and educational content only. Not investment advice.