Updates

September 11, 2026 N ational Stock Exchange of India BSE Limited Limited, Phiroze Jeejeebhoy Towers, Exchange Plaza, Bandra Kurla Complex, Dalal Street, Bandra East, Mumbai 400 051, India Mumbai 400 001, India Scrip Code: 538446 NSE Symbol: MONEYBOXX Dear Sir/Madam, Subject: Investor Deck Pursuant to the SEBI (Listing Obligations and Disclosure Requirements) Regulation, 2015, the SEBI (Prohibition of Insider Trading) Regulations, 2015 and Code of Practices and Procedures for Fair Disclosure of Unpublished Price Sensitive Information, the Company hereby provides the Investor Deck for the period ended August ’26 as attached hereunder. The aforesaid intimation is being made available on the Company's website at www.moneyboxxfinance.com Kindly take the above certification on record. Thanking you, For Moneyboxx Finance Limited Lalit Sharma Company Secretary Corporate Office- Block A, DLF Building 8, 4th Floor, DLF Cyber City Gurugram, Haryana-122002 Head Office- 411A, Kanakia Wallstreet, Chakala, Andheri Kurla Rd, Andheri (East), Mumbai - 400093 Moneyboxx Finance WHY NOW Investor Deck Q1 FY27 disbursements secured FY26-FY31E targeted AUM CAGR A listed NBFC building a differentiated platform for underserved MSME credit, rural productive-asset finance, green and digital lending. Capital adequacy (CRAR) August 2026 Portfolio mix improving | Growth re-accelerating | Operating leverage visible | Valuation still early Moneyboxx: A Snapshot A listed, founder-led lending platform targeting underserved MSMEs and micro-enterprises ~₹1,000 Cr 12 156 AUM approaching scale States of presence Branches in FY26 ₹300+ Cr 34 BBB Stable Cumulative equity raised Debt lenders and partners CRISIL and India Ratings CURRENT STRATEGY Building a materially stronger book through secured MSME lending, livestock finance, rooftop solar and digital small-ticket lending. MONEYBOXX FINANCE LTD 2 Moneyboxx 2.0: A Materially Stronger Portfolio The origination mix today is very different from the FY24 and FY25 book 87% ~70% ~75% 28.7% ₹1,715 Cr Q1 FY27 disbursements Q1 FY27 disbursements above Q1 FY27 disbursements 650+ CRAR in Q1 FY27 FY28E AUM target secured ₹5 lakh bureau score INVESTMENT THESIS Aiming growth with diversified platform Stress converted into portfolio architecture Moneyboxx is transitioning from a small, single-product NBFC into a FY25 and FY26 industry stress delayed headline growth but forced a higher- diversified, secured and operating-leverage-driven financial services platform, quality portfolio: larger tickets, more secured lending, better credit profiles, with four origination engines running on one underwriting core. stronger collections and tighter capital discipline. IN SHORT Same platform, materially better book. The quality shift is already in the numbers being reported. MONEYBOXX FINANCE LTD 3 Why Moneyboxx, Why Now Six reasons the next phase can be materially different 1 Portfolio transformation 2 Growth re-acceleration 3 Operating leverage Secured disbursement share moved to 87% in FY26-FY31E AUM CAGR targeted at Opex to AUM targeted to fall to about 8.8% by Q1 FY27. approximately 36%. FY29. 4 Multiple engines 5 Capital and lenders 6 Valuation optionality MSME secured loans, livestock, rooftop solar About 29% CRAR and 34 including 11 banks Low Price/Book against materially higher and digital. active lender relationships. specialist-lender peers. Further upside with additional equity raise. THE OPPORTUNITY Not AUM growth alone: AUM growth + Better Mix + Operating Leverage + a potential Valuation re-rating MONEYBOXX FINANCE LTD 4 Seven-year Operating Track Record Distribution, lender trust and equity-raising credibility are already built AUM JOURNEY (₹ CRORE) BRANCH FOOTPRINT 893 163 344 61 121 22 63 11 FY20 FY21 FY22 FY23 FY24 FY25 FY26 FY20 FY21 FY22 FY23 FY24 FY25 FY26 ₹300+ Cr 34 11 40% Cumulative equity raised Lending relationships Bank partners by FY26 NCDs as share of borrowing, FY26 MONEYBOXX FINANCE LTD 5 FY25 and FY26: Stress Used to Build a Stronger Franchise A period of deliberate strengthening rather than a broken growth story External shock Management response Moneyboxx today MFI guardrails, overleveraged borrowers and Slowed risky growth, tightened underwriting, Higher secured share, larger average ticket, broad sector stress. MFI AUM degrowth and accelerated secured lending, strengthened legal better bureau profiles, lower reported GNPA elevated NPAs affected shared customers across and collections, rebuilt model to cut opex and and lower credit cost in Q1 FY27. the industry. credit cost, and used the ARC route to clean legacy stress. WHAT CHANGED STRUCTURALLY Rooftop solar introduced with verified end use, Livestock funding tie-ups with defined end use Digital small-business lending launched to widen OEM/EPC sourcing and second-loss guarantee and FLDG protection sourcing and yield support KEY MESSAGE The portfolio being originated today is not the portfolio that faced the FY25 and FY26 stress. MONEYBOXX FINANCE LTD 6 New book versus Legacy book Metric FY24 Q1 FY27 What it means Materially lower unsecured exposure, with FLDG cover on parts of Secured disbursement share 25% 87% the book Disbursements above ₹5 lakh ~5% ~70% Higher ticket sizes lift branch productivity 650+ bureau score share ~56% ~75% Better customer selection at origination Mostly core MSME, livestock, solar, Product engines More diversified sources of growth book digital INVESTOR TAKEAWAY Lower unsecured exposure, higher ticket sizes, better bureau profiles and four growth engines instead of one. MONEYBOXX FINANCE LTD 7 Four Growth Engines, One Underwriting Platform A diversified NBFC platform rather than a single-product lender 1 MSME secured loans 2 Livestock finance ₹5-30 lakh LAP and business loans against a large formal-credit gap in semi- Recurring cash flows and tangible productive assets, supported by dairy urban and rural markets. partnerships that lower opex and additional FLDG cover. 3 Rooftop solar finance 4 Digital small-ticket lending Borrower energy savings improve repayment capacity, while OEM and EPC Low-cost acquisition for nano and micro enterprises at higher yield, building partnerships reduce acquisition cost. a data-rich funnel for cross-sell. THE COMMON ASSET Field-led origination, proprietary underwriting, in-house collections and increasing data depth across every product. MONEYBOXX FINANCE LTD 8 MSME Secured Lending: The Core Scale-up Engine A large, underserved market with limited focused competition at small ticket sizes ₹20-43 Tn ~₹10 Tn 14% ₹5-30 L MSME credit gap estimates Credit gap at ticket sizes up to ₹10 MSMEs accessing formal credit Moneyboxx ticket focus lakh Where Moneyboxx plays Why this matters The missing middle: too small and too operationally intensive for banks and Higher-ticket secured MSME loans improve branch productivity, reduce large NBFCs, and too large and too secured for traditional microfinance. unsecured cyclicality, support longer tenures and create a clear path to operating leverage. POSITIONING A structural credit gap, not a cyclical one. The constraint is underwriting capability, which is exactly what Moneyboxx has built. MONEYBOXX FINANCE LTD 9 Rooftop Solar: The Differentiated Growth Engine Green lending that improves borrower cash flow rather than only impact metrics 10% ~8x 365+ 7+ MWp ₹15 Cr+ FY27 target share of AUM Commercial and rural solar MSMEs already financed for Solar capacity financed Renewable energy disbursal capacity growth over ten years clean energy milestone Why solar works as credit Funding advantage Solar converts a recurring diesel or electricity expense into EMI-funded ownership. The • Significant impact-fund interest in lending for solar assets borrower sees an immediate cash-flow saving while Moneyboxx books asset-backed, • Strong likelihood of FLDG and SLDG support from global productive lending with measurable impact. foundations, all Moneyboxx solar loans covered by SLDG • OEM an [Showing first 8,000 characters — download PDF for full document]