Investor Presentation

MONEYBOXX FINANCE LIMITED CIN L30007DL1994PLC260191 Registered Office:523-A, Somdutt Chambers-II, 9, Bhikaji Cama Place, New Delhi-110066, lndia Tel: 01145657452 E-mail: info@moneyboxxfinance.com Website: www.moneyboxxfinance.com Date: November 06, 2026 National Stock Exchange of India Limited, BSE Limited Exchange Plaza, Bandra Kurla Complex, Phiroze Jeejeebhoy Towers, Bandra East, Dalal Street, Mumbai 400 051, India Mumbai 400 001, India NSE Symbol: MONEYBOXX Scrip Code: 538446 Subject: Investor Presentation Dear Sir/Madam, Pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 and in terms of other applicable laws, if any, please find herewith the Investor Presentation of the Company for the Quarter and half year ended September 30, 2026 (Q2 & H1 FY27). The aforesaid intimation is being made available on the Company's website at www.moneyboxxfinance.com. Kindly take the above intimation 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 LIMITED Empowering MSMEs in Semi-urban & Rural India Investor Presentation Q2 FY27 MONEYBOXX FINANCE LTD 1 Disclaimer This document may contain statements regarding the Company’s market opportunity and business prospects that are individually and collectively forward-looking statements. Such forward-looking statements are not guarantees of future performance and are subject to known and unknown risks, uncertainties and assumptions that are difficult to predict. These risks and uncertainties include, but are not limited to, the performance of the Indian economy and of the economies of various international markets, the performance of the industry in India and world-wide, competition, the company’s ability to successfully implement its strategy, the Company’s future levels of growth and expansion, technological implementation, changes and advancements, changes in revenue, income or cash flows, the Company’s market preferences and its exposure to market risks, as well as other risks. The Company’s actual results, levels of activity, performance or achievements could differ materially and adversely from results expressed in or implied by this document. The Company assumes no obligation to update any forward-looking information contained in this document. Any forward-looking statements and projections made by third parties included in this document are not adopted by the Company and the Company is not responsible for such third party statements and projections. Maps used in the document are not to scale. All data, information and maps are provided "as is" without warranty or any representation of accuracy, timeliness or completeness. MONEYBOXX FINANCE LTD 2 Q2 FY27 Highlights Business momentum is back, on a stronger foundation Business momentum ₹50+ Cr +14% ₹1,057 Cr ₹110 Cr Monthly disbursements in Q-o-Q growth in Q2 Total assets (Sep’26) NCDs raised in Q2 FY27 Oct’26 disbursements Now a Middle Layer NBFC NCDs now 46% of borrowings More than doubled from ₹25 Cr in ₹87 Cr in Q2 vs ₹76 Cr in Q1 Aug’26 Earnings & asset quality +16% +79% 2.56% ~67% Y-o-Y growth in Q2 NII & fee Y-o-Y growth in Q2 pre- 90+ PAR (Sep’26) AUM from 650+ bureau-score income provision operating profit customers Down from 6.25% at Mar’26 ₹39.6 Cr vs ₹34.1 Cr in Q2 FY26 ₹10.0 Cr vs ₹5.6 Cr in Q2 FY26 750+ share up to 19% from 3% in FY24 MONEYBOXX FINANCE LTD 3 Strategic Transformation MONEYBOXX FINANCE LTD 4 Q2 FY27 – Strategy & Business Update Scaling through a strong branch franchise and new partnerships 1 Branches lead; partnerships add momentum 2 Core branch model for small & micro enterprises • Monthly disbursements more than doubled to over ₹50 Cr in two • Proven, scalable ‘phygital’ model: 148 branches across 12 states months (Oct’26), led by branches • Target customer: business loans with a strong credit profile (650+ bureau • Dairy: partnership with Akshayakalpa started in Q2; more in pipeline score) • Solar: ₹17 Cr AUM in H1; target 10% of AUM • Balanced book: 73% secured AUM, complemented by unsecured loans to our best existing customers to enhance yields at controlled credit cost • Digital: SmartBiz launched in partnership with Bachatt • Well diversified by product, geography and segment • Partnerships lower origination costs and add FLDG cover 3 Technology-led lending 4 Strong financial position • In-house LOS (Moneyboxx One) for efficiency and faster product rollouts • Crossed ₹1,000 Cr in total assets; classified as a Middle Layer NBFC • ML and AI-supported underwriting (Cattle AI) • Continued support from 36 lenders and growing access to debt capital markets through NCDs • Digital processes and mobile collections app (MBCollect) • CRAR of 26.4% gives ample headroom for growth MONEYBOXX FINANCE LTD 5 Strong rebound: monthly disbursements more than doubled in two months Monthly Disbursements (₹ crore) Branch Vintage & Productivity Avg. Vintage AUM AUM per Branch 50+ Branch Vintage Branches (Months) (₹ Crore) (₹ Crore) 1-12 Months 5 4 1.6 0.3 13-24 Months 40 23 163.5 4.1 growth in monthly 25-36 Months 28 31 207.7 7.4 disbursements, Aug → Oct’26 36+ Months 75 55 428.7 5.7 Branch-led, with partnerships Total (Sep’26) 148 40 801.5 5.4 beginning to contribute Total (Sep’25) 163 28 892 5.5 Aug-26 Sep-26 Oct-26 Quarterly Disbursements (₹ crore) Rising Average Ticket Size (₹ lakh) Q1 dip was transitory: move to higher-ticket loans, branch consolidation and caution amid 117 115 115 3.9 5.0 geopolitical risks. Q2 disbursements 3.5 up 14%. 4.0 3.6 3.7 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Total ATS (₹ lakhs) Secured ATS (₹ lakhs) MONEYBOXX FINANCE LTD 6 Four Growth Engines, One Underwriting Platform A diversified NBFC platform rather than a single-product lender 1 MSME loans 2 Livestock finance ₹3-30 lakh secured business loans and ₹1-3 lakh Unsecured business Recurring cash flows and tangible productive assets, supported by loans addressing a large formal-credit gap in semi-urban and rural dairy partnerships that lower opex and add FLDG cover markets 3 Rooftop solar finance 4 Digital small-ticket lending Borrower energy savings improve repayment capacity, while OEM Low-cost acquisition for nano and micro enterprises at higher yield, and EPC partnerships reduce acquisition cost building 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 7 Building a Robust Portfolio with Prime Borrowers A stronger customer profile in place; branch revival and partnerships to drive AUM growth# Balanced Product Mix* Growing Share of Larger Loans Steadily Improving Credit Profile AUM by Product (₹ Crore) AUM by Ticket Size (% share) AUM by Credit Score (% share) 893 0.4% 1.8% 4.2% 8.1% 2.9% 6.2% 8.9% 15.1% 802 21.3% 19.4% 730 17.8% 27% 16.1% 53.1% 51.9% 50.5% 47.8% 95.4% 89.3% 74.1% 62.6% 22.0% 19.5% 68% 14.6% 12.8% 22.0% 22.3% 19.8% 20.1% FY24 FY25 FY26 H1 FY27 FY24 FY25 FY26 H1 FY27 FY24 FY25 FY26 H1 FY27 Secured Unsecured Up to 5 Lakhs 5-10 Lakhs 10+ Lakhs NTC Below 650 650 - 749 750 & above #AUM moderated amidst branch consolidation and sale to ARC, AUM expansion to start from Q3FY27 * Secured AUM including guarantee support MONEYBOXX FINANCE LTD 8 Company Overview MONEYBOXX FINANCE LTD 9 Who we are – Moneyboxx Finance Limited Empowering MSMEs in Semi-urban & Rural India Fast-growing, tech-driven, impact focused NBFC Total assets above INR 1,000 crore; AUM INR 802 crore (Sep’26) Business loans of ₹ 1-30 Lac in semi-urban and rural India MISSION STATEMENT Gained national presence in 7 years with presence in 12 states (Sep’26) To deliver easy, cost-efficient and technology driven [Showing first 8,000 characters — download PDF for full document]