Moneyboxx Finance Limited (538446) Earnings Call Transcripts

Moneyboxx Finance Limited's Latest Earnings Call - Q4 FY2026

In the fourth quarter and fiscal year 2026, Moneyboxx Finance Limited reported a total income of INR 63.23 crores, up from INR 52 crores in Q4 FY25, while FY26 total income reached INR 232 crores, compared to INR 199 crores in FY25. Despite these gains, the company faced challenges with a profit after tax of only INR 0.47 crores for Q4 and INR 1.34 crores for FY26, attributed to higher credit costs and a decline in AUM due to strategic shifts in lending practices. Management signaled a cautious but optimistic outlook for FY27, projecting a 43%-44% increase in AUM as they continue to focus on secured lending and operational efficiencies.

Reported metrics

Guidance from management

Management expects AUM to grow by 43%-44% in FY27, driven by a focus on secured lending and operational efficiencies. They anticipate continued strong collection efficiency and improvements from vintage branches.

What management said

Geographically, we are present in 12 states as of now. I think we have enough distribution network to grow to a decent AUM size. So I don't think so in this financial year we have any plans to open up any new geographies.

So cross-selling may or may not come. Right now, it is to acquire customers for this solar thing. But obviously, they can be the future customer in our secured space. Yield is around 22.5%. It will be around 24-ish if you include all fees and everything, yes. But one good part is that we are not incurring sales cost here. So these are direct leads which are coming through partners.

What analysts pressed on

Analysts expressed concerns regarding the moderate growth in AUM despite improved collections and asset quality. There were questions about the impact of cautious underwriting practices and the demand environment on future growth prospects.

Main topics on the call

• Collection Efficiency Improvement — Management reported 'collection efficiency remained strong during the quarter with overall collection efficiency moving to around 93.5%'. This reflects a significant improvement in asset quality, with resolution rates in...
• Shift to Secured Lending — The company has transitioned to a secured lending model, with secured loans now constituting around 68% of AUM, up from 45% last year. Management stated, 'We remain firmly on track towards our medium-term objective of be...
• Challenges in AUM Growth — Despite improvements in collections, AUM growth has been moderate. Management acknowledged, 'We had to change our strategy to move upwards,' indicating a cautious approach to underwriting that has temporarily restrained ...
• New Product Launches — Moneyboxx launched renewable energy loans, which are expected to comprise around 10% of AUM by March 2027. Management noted, 'We started renewable energy loans and the expansion was around INR 50 lakhs, which is 10x in M...

Read the full Moneyboxx Finance Limited transcript (Q4 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 3 Moneyboxx Finance Limited earnings call transcripts on record, spanning May 29, 2025 to May 29, 2026. Based on this history, Moneyboxx Finance Limited reports semi-annually. The most recent call on file is dated May 29, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

538446

Exchange

BSE

Country

IN

Sector

Financials

Industry

Consumer Finance

Calls on record

3

First call

May 29, 2025

Most recent

May 29, 2026

Reporting cadence

semi-annually