Analysts/Institutional Investor Meet/Con. Call Updates

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 August 18, 2026 National 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, Sub: Transcript of Investor Earnings Conference Call pertaining to Financial Results for the Quarter ended June 30, 2026 (Q1FY27) With reference to our intimations dated August 10, 2026, and August 13, 2026, with respect to Investor Earnings Conference Call and pursuant to Regulation 30 of SEBI (LODR) Regulations, 2015, please find attached the transcript of Investor Earning Conference Call held on August 13, 2026. The aforesaid intimation is being made available on the Company's website at www.moneyboxxfinance.com You are requested to kindly take the same on record and acknowledge the receipt. Thanking You, Yours faithfully, For MONEYBOXX FINANCE LIMITED Lalit Sharma Company Secretary Corporate Office- Block A, DLF Building 8, 4th Floor, DLF Cyber City, Gurugram- 122002 Haryana Head Office- 411-A, Kanakia Wallstreet, Chakala, Andheri Kurla Rd, Andheri (East), Mumbai – 400093 “Moneyboxx Finance Limited Q1 FY27 Earnings Conference Call” August 13, 2026 MANAGEMENT: MR. DEEPAK AGGARWAL – CO-FOUNDER – MONEYBOXX FINANCE LIMITED MR. MAYUR MODI – CO-FOUNDER – MONEYBOXX FINANCE LIMITED MR. VIRAL SHETH – FINANCIAL CONTROLLER – MONEYBOXX FINANCE LIMITED MODERATOR: MR. ANKIT JAIN – STELLAR INVESTOR RELATIONS Page 1 of 13 Moneyboxx Finance Limited August 13, 2026 Moderator: Ladies and gentlemen, good day, and welcome to the Q1 FY27 Earnings Conference Call for Moneyboxx Finance Limited. As a reminder, all participant lines will be in the listen-only mode and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during this conference call, please signal an operator by pressing star then zero on your touchtone phone. Please note, that this conference is being recorded. I now hand the conference over to Mr. Ankit Jain from Stellar Investor Relations. Thank you, and over to you, sir. Ankit Jain: Thank you, Palak. Good afternoon, everyone, and thank you for joining us today. To discuss the Q1 business performance, we have from the management, Mr. Mayur Modi, Co-Founder; Mr. Deepak Aggarwal, Co-Founder; and Mr. Viral Seth, Finance Controller. Before we proceed with this call, I would like to mention that some of the statements made in today's call may be forward-looking in nature and may involve risks and uncertainties. The company also undertakes no obligation to update any forward-looking statements to reflect developments that occur after the statement is made. Document relating to the company's financial performance, including investor presentation has been uploaded on the stock exchanges and the company website. I would now like to hand over the call to the management for the opening comments, and then we will open the floor for Q&A. Thank you, and over to you, sir. Deepak Aggarwal: Thank you, Ankit. Good afternoon, everyone, and thank you for joining us for the Q1 '27 earnings conference call of Moneyboxx Finance. I'm Deepak Aggarwal, Co-Founder of Moneyboxx Finance. I'm joined today by my Co-Founder, Mayur Modi and Viral Seth, our Co- Finance Controller. I would like to begin with the broader operating environment and the opportunity we see in the micro enterprise lending segment, followed by our Q1 FY27 performance. Lending to the Indian micro enterprises continues to represent a significant and underpenetrated opportunity. Despite the progress made in financial formalization, a large section of India's micro and small businesses continue to have limited access to formal credit. This is the segment Moneyboxx has been focused on since inception. Our differentiated approach combines proprietary underwriting models, a physical branch network and technology- led processes, including AI, to serve this customer segment in a responsible and scalable manner. The micro MSME segment continues to show encouraging signs of recovery, supported by improving rural demand and consumption, increasing formalization and various government initiatives. We, therefore, remain confident about the long-term structural opportunity in this market. At the same time, we continue to monitor external developments, particularly geopolitical developments and their potential impact through oil prices, shipping costs and customer Page 2 of 13 Moneyboxx Finance Limited August 13, 2026 confidence. While we remain constructive on the underlying opportunity, we are taking a calibrated approach to growth in current environment. Coming to Moneyboxx, Q1 FY27 was an important transition quarter for us. Over the last 18 to 24 months, we have made significant investments in underwriting, customer selection, collections, technology, portfolio mix and overall team. These initiatives have helped us build a stronger foundation for the next phase of growth. During the quarter, we continued to deliberately shift the portfolio towards high ticket secured lending and high credit score customers. This transition has resulted in some near-term moderation in disbursements and income, but we believe it is the right strategic direction for building a more resilient, scalable and profitable portfolio over the medium to long-term. Our focus continues to be quality over volume, particularly as we operate in an environment where prudent customer selection and portfolio quality remains important. Our AUM stood at INR832 crores as of June 2026. On an underlying basis, AUM grew 5% year-on-year, excluding the ARC impact. Disbursements during the quarter stood at INR77 crores, compared with INR92 crores in Q1 FY26. The moderation reflects our calibrated approach to sourcing as we transition towards a higher quality and more secured portfolio. From April 2026 onwards, we stopped disbursement of unsecured loans, except through partnership model and in the state of Punjab. We also stopped disbursement of secured loans below INR5 lakhs, except in few branches of Solar Loans. The quality of our sourcing has, however, improved meaningfully. Secured loans accounted for 87% of our disbursements during first quarter compared with 67% in FY26. Around 70% of disbursement was in ticket sizes above INR5 lakhs, while approximately 75% were to customers with bureau score of 650 and above. The increase in ticket sizes, along with higher secured mix is an important part of our strategy. We believe this will help us build a stronger portfolio, while also improving operating efficiency as the business scales. Our objective is not simply to grow the book, but to grow with the right customers, stronger collateral and better risk-adjusted economics. Alongside the improvement in sourcing quality, we have continued to remain focused on collection. Our overall collection efficiency during quarter 1 stood at 92.3%, broadly stable compared to 92.4% for FY26. This reflects the investment we have made in our collection infrastructure, field-level monitoring, technology and customer engagement. Our legal efforts are moving in the right step with over bailable warrants reaching a stage of 1,000 plus. So this is growing at a sharp pace and will start yielding strong results going forward. Importantly, the quality of the incremental book that we are building today is materially stronger. Our secured book now represents approximately 75% of the AUM, including loans backed by default loss guarantee programs compared with 49% in June 2025. This represents a significant Page 3 of 13 Moneyboxx Finance Limited August 13, 2026 transformation in our portfolio mix, and we remain firmly on track towards our objective [Showing first 8,000 characters — download PDF for full document]