Moneyboxx Finance Ltd

- Moneyboxx Finance Limited raised INR185 crores through NCDs in FY25, with INR165 crores raised between February 23 and March 23, 2025 — the highest ever in a single quarter. - The company successfully raised INR270 crores equity up to March 2025. - Net worth grew by 54% to INR261 crores by March 2025, with an additional INR85 crores pending from the issue of share warrants, indicating upcoming equity infusion. - The company appears well-positioned for rapid capital deployment and scalability but did not explicitly announce any new fundraising plans beyond pending share warrants as of May 2025. - Focus remains on maintaining a healthy debt-to-equity ratio (2.44x) and capital adequacy ratio (29.25%).

- The company expanded its branch network significantly, from 100 branches in March 2024 to 163 branches as of March 2025, with plans to further increase to 175+ branches by March 2026, indicating ongoing capital investment in branch expansion. - Expansion into four new states in South India during Q2 FY25 also reflects strategic geographic investment. - Investment in technology is evident through the development of a unique AI app for cattle identification, signaling strategic tech-driven capex. - Hiring and building infrastructure in collections, including telecallers, collection officers, and state-level collection teams, represents ongoing operational and strategic investment. - No explicit mention of large-scale capex projects but continued investment focuses on branch expansion, technology, and collection infrastructure to support growth and improved efficiency.

- The company targets over 50% growth in Assets Under Management (AUM) for the current year (FY26). - Plans to increase AUM significantly will lead to higher revenues through increased disbursements, especially in secured lending segments. - Continuing geographic expansion with plans to grow branch network from 163 (March 2025) to 175+ by March 2026, enabling deeper market penetration. - Focus on scaling secured lending portfolio, aiming to raise it from 45% of AUM in FY25 to around 65% by next year and 75-80% by FY27. - Enhancement in collection infrastructure and rise in collection efficiency expected to stabilize asset quality, supporting healthy revenue realization. - Reduction in cost of borrowing anticipated (from 13.1% average to about 12% marginal) will improve margins alongside rising yields. - Overall, growth in AUM, improved credit portfolio mix, and expansion into new/geographically diverse markets underwrite volume and revenue growth prospects.

- FY26 is expected to be a year of recovery with improvement in credit costs and profitability after a challenging FY25 marked by high credit costs and sluggish AUM growth. - ROE and ROA are currently low (0.6% and 0.2% in FY25); management aims to revive these ratios gradually by improving collections and credit quality. - Collection efficiency has improved significantly in FY25 due to enhanced collection infrastructure (telecallers, state-level teams), with stabilization expected by Q1 FY26. - AUM growth of over 50% is targeted in FY26, which will help optimize operating expenses (opex) and improve margins. - Opex is expected to decline to 11%-12% of AUM in FY26, benefiting from scale and operational efficiency. - Average cost of borrowing is falling and may reduce further over the next 2-3 years, supporting improved net interest margins. - Incremental profitability and EPS growth are expected as portfolio quality recovers and scaling benefits materialize.

The transcript does not explicitly mention current or expected orderbook or pending orders for Moneyboxx Finance Limited. However, some relevant points related to business growth and lending pipeline are: - The company has visibility of INR 500 crores per annum through lending collaboration, including business correspondence and co-lending models. - They have a lender base of 33, including 12 leading banks, providing diversified funding sources. - Targeting over 50% growth in Assets Under Management (AUM) for the current year. - Expansion plans to grow branch network from 163 branches to 175+ by March 2026 to deepen penetration. - Secured lending focus with expected increase from 45% to around 75-80% of portfolio by 2027. - Gradual reduction in cost of borrowing and operating expenses expected as scale improves. No specific orderbook or pending orders data is provided in the transcript.