Press Release

November 09, 2026 National Stock Exchange of India Ltd, BSE Limited Exchange Plaza, Bandra Kurla Complex, Phiroze Jeejeebhoy Towers, Bandra East, Mumbai 400 051, India Dalal Street, NSE Symbol: MONEYBOXX Mumbai 400 001, India Scrip Code: 538446 Subject: Press Release Dear Sir/ Madam, Please find enclosed herewith the copy of press release titled “Moneyboxx Finance Q2 FY27: Pre-Provision Operating Profit Up 79% YoY and 4x QoQ; Monthly Disbursements Double to Over ₹50 Crore in October” which will be disseminated shortly. This will also be hosted on the company’s website at www.moneyboxxfinance.com Please take the above information on record. Thanking You, Yours faithfully, For MONEYBOXX FINANCE LIMITED Lalit Sharma Company Secretary Encl: A/a Corporate Office- DLF Building 8, Block A, 4th Floor, DLF Cyber City Gurugram- 122002, Haryana Head Office- 411-A, Kanakia Wallstreet, Chakala, Andheri Kurla Rd, Andheri (East), Mumbai – 400093 Moneyboxx Finance Q2 FY27: Pre-Provision Opera(cid:415)ng Profit Up 79% YoY and 4x QoQ; Monthly Disbursements Double to Over ₹50 Crore in October Net interest & fee income up 28% QoQ and 16% YoY | PAT up 3.2x YoY | 90+ PAR improves to 2.56% | Total assets cross ₹1,000 crore; now a Middle Layer NBFC Gurugram, November 9, 2026: Moneyboxx Finance Limited, a listed NBFC providing business loans to micro and small entrepreneurs across semi-urban and rural India, today announced its unaudited financial results for the quarter and half-year ended September 30, 2026, as approved by its Board of Directors at the meeting held on November 6, 2026. Q2 FY27 marks a clear inflection: earnings, operating profitability, disbursements and asset quality all improved during the quarter, and business momentum has continued to build since. Key Highlights – Q2 FY27 Earnings • Net interest & fee income rose 28% QoQ and 16% YoY to ₹39.64 crore; total income rose 17% QoQ and 11% YoY to ₹61.02 crore. • Pre-Provision Operating Profit (PPOP) rose to ₹9.97 crore, up 79% YoY and more than 4x QoQ (Q1 FY27: ₹2.44 crore). • Profit After Tax rose to ₹0.90 crore, up 3.2x YoY (Q2 FY26: ₹0.28 crore) and 4.3x QoQ (Q1 FY27: ₹0.21 crore). H1 FY27 PAT more than doubled to ₹1.11 crore (H1 FY26: ₹0.52 crore). • Operating leverage: net interest & fee income grew 28% QoQ while operating expenses grew about Business momentum • Quarterly disbursements rose 14% QoQ to ₹87 crore. • Monthly disbursements doubled in two months, from ₹25 crore in August to ₹32 crore in September and over ₹50 crore in October 2026 (provisional). • Four growth engines in place: branch-led MSME lending, dairy partnerships (Akshayakalpa), rooftop solar and digital lending (SmartBiz). Asset quality and borrower profile • 90+ PAR improved to 2.56% (Mar’26: 6.25%); 30+ PAR to 6.64% (Mar’26: 8.40%). • Credit cost for H1 FY27 at 2.64% of average AUM, lower than 3.32% in FY26; collection efficiency at 92.5%. • ~67% of AUM from borrowers with bureau scores of 650+; the 750+ share rose to 19% from 3% in FY24. Funding and capital • Total assets of ₹1,057 crore; classified as a Middle Layer NBFC. • ₹110 crore raised through NCDs in Q2; NCDs now 46% of borrowings. • CRAR of 26.35%; support from 36 lenders, including 12 banks. Q2 FY27 Financial Performance ₹ crore Particulars Q2 FY27 Q1 FY27 QoQ Q2 FY26 YoY Total Income 61.02 52.12 17% 55.06 11% Net Interest & Fee Income 39.64 31.02 28% 34.05 16% 29.67 28.58 4% 28.47 4% Operating Expenses Pre-Provision Operating Profit 9.97 2.44 4.1x 5.58 79% Impairment on Financial Instruments 8.96 2.19 5.27 Profit Before Tax 1.01 0.25 4.0x 0.31 3.3x Profit After Tax 0.90 0.21 4.3x 0.28 3.2x The sequential improvement in operating profit reflects higher income generated from the Company’s existing branch and technology infrastructure. With operating expenses broadly stable in absolute terms, further operating leverage is expected as AUM grows; the Company is targeting opex below 10% of AUM within the next two years. Disbursements Double in Two Months, Led by Branches After a period of branch consolidation, a shift to higher-ticket loans and a sharper focus on credit quality, business activity has picked up strongly. Monthly disbursements more than doubled between August and October 2026. Growth is led by Moneyboxx’s 148-branch network, where productivity is rising as branches mature (average vintage now 40 months), with partnerships and new products beginning to contribute. AUM stood at ₹802 crore as of September 30, 2026, having moderated during the consolidation phase and the ARC portfolio transaction; with disbursements now accelerating, AUM growth is expected to resume from Q3 FY27. Moneyboxx is scaling four growth engines on a common underwriting, collections and technology platform: • MSME Finance: Secured business loans of ₹3–30 lakh, complemented by unsecured loans of ₹1–3 lakh to the Company’s best existing customers, improving yields at controlled credit cost. • Livestock Finance: Dairy financing scaled through partnerships, starting with Akshayakalpa in Q2, supported by FLDG cover; more partnerships are in the pipeline. • Rooftop Solar Finance: A ₹17 crore solar portfolio built through OEM and EPC partnerships, with a target to grow solar to about 10% of AUM over the next year. • Digital Lending: SmartBiz, launched with the Bachatt platform and supported by FLDG, for low-cost acquisition of nano and micro enterprises. A Stronger, Better-Quality Portfolio Moneyboxx has strengthened underwriting, improved collections and resolved stressed assets. As of September 30, 2026, 90+ PAR stood at 2.56% compared with 6.25% at March 31, 2026, and 30+ PAR improved to 6.64% from 8.40%. On-book Gross NPA declined to 0.01% from 3.59%, reflecting the ARC portfolio transaction along with stronger collection and recovery efforts. Borrower quality continues to improve: about 67% of AUM is now from customers with bureau scores of 650 and above, and the share of 750+ customers has risen to 19% from 3% in FY24. The book is well balanced, with 73% secured AUM (including guarantee-backed exposure), complemented by unsecured lending to proven existing customers. The in-house loan origination system, Moneyboxx ONE (live since May 2026), together with AI-supported underwriting and the MBCollect mobile collections app, supports faster decisions and tighter portfolio monitoring. Middle Layer NBFC with Diversi(cid:976)ied Funding Moneyboxx crossed ₹1,000 crore in total assets during Q2 FY27, reaching ₹1,057 crore as of September 30, 2026, and is now classified as a Middle Layer NBFC. The Company raised ₹110 crore through Non-Convertible Debentures during the quarter. NCDs now account for 46% of borrowings, up from 40% at March 2026, reflecting growing participation from debt capital market investors. Moneyboxx is supported by 36 lenders, including 12 banks, holds CRISIL BBB/Stable and IND BBB/Stable ratings, and has raised over ₹300 crore of equity since inception. With a CRAR of 26.35%, the Company is well capitalised for its next phase of growth. Management Commentary Mr. Deepak Aggarwal, Co-founder, Co-CEO & CFO, Moneyboxx Finance Limited, said: “Q2 FY27 is an inflection point for Moneyboxx. Pre-provision operating profit rose 79% year-on-year and more than fourfold over the previous quarter, driven by a 28% sequential increase in net interest and fee income while costs stayed broadly flat. Over the past few quarters we strengthened the portfolio, improved borrower quality, consolidated our branch network and built new growth engines. Those choices are now paying off: 90+ PAR is down to 2.56%, two-thirds of our AUM is from customers with bureau scores of 650 and above, and monthly disbursements have doubled from ₹25 crore in August to over ₹50 crore in October. Our branches are leading this growth, and our partnerships in dairy, solar and digital lending are adding new avenues. With Middle Layer NBFC status, a well-capitalised balance sheet and the support of 36 lenders, we are well p [Showing first 8,000 characters — download PDF for full document]