Moneyboxx Finance: Tailored MSME Lending With Tech-Driven Edge

Introduction To MoneyBoxx Finance Ltd.

Moneyboxx Finance Ltd., often simply called "Moneyboxx," is a publicly listed Non-Banking Financial Company (NBFC) with a market capitalisation of around INR 780 crore. The company focuses on lending to Micro and Small Enterprises (MSMEs) across India, playing a crucial role in supporting small businesses that often struggle to access formal credit. Through a branch-led model, Moneyboxx offers both secured and unsecured loans, helping businesses in sectors such as agriculture, dairy, retail, and manufacturing. With a loan size ranging from INR 1 lakh to INR 10 lakh, the company’s financial support helps entrepreneurs expand, invest in new opportunities, and build resilience against financial challenges.

As of December 2024, Moneyboxx has an Assets Under Management (AUM) of INR 837 crore and serves over 1.5 lakh borrowers through a network of 160 branches across 12 states. Notably, 59% of its customers are women, highlighting its commitment to financial inclusion and empowerment. The leadership team is made up of experienced professionals from some of the world’s leading financial institutions, including Bank of America, HSBC, JP Morgan, and KPMG. This strong foundation, combined with a clear mission to uplift small businesses, positions Moneyboxx as a trusted and growing player in India’s MSME lending space.

Board Of Directors Of Moneyboxx Finance Limited 

Here is the list of the Board of Directors of Moneyboxx Finance Limited, along with their designations:

1. Mr. Uma Shankar Paliwal – Chairman and Independent Non-Executive Director
2. Ms. Ratna Dharashree Vishwanathan – Independent Non-Executive Director
3. Mr. Shantanu Chandrakant Pendsey – Independent Director
4. Mr. Deepak Aggarwal – Co-Founder, Co-CEO, CFO, and Whole-time Director
5. Mr. Mayur Modi – Co-Founder, Co-CEO, COO, and Whole-time Director
6. Mr. Govind Gupta – Non-Executive Director
7. Mr. Atul Garg – Non-Executive Director

Source: Moneyboxx.¹

Products Offered By Moneyboxx Finance Ltd.

1. Moneyboxx Vyapaar Loans (Unsecured)

These loans are tailored for micro-entrepreneurs seeking swift and straightforward financing without the need for collateral. They are particularly beneficial for small businesses in sectors like trading, manufacturing, services, and livestock.

Key Features:

• Loan Amount: INR 70,000 to INR 3,00,000
• Tenure: 12 to 36 months
• Purpose: Working capital, asset acquisition, or business expansion
• Advantages: Minimal paperwork, quick approval process, and no collateral required.

This product is ideal for entrepreneurs looking to meet immediate business needs without the complexities of traditional loan processes. 

2. Moneyboxx Vyapaar Loans (Secured)

Designed for businesses requiring larger loan amounts and longer repayment periods, these loans are backed by collateral, typically property. They are suitable for enterprises planning significant investments or expansions.

Key Features:

• Loan Amount: INR 3,00,000 to INR 7,00,000
• Tenure: 36 to 60 months
• Purpose: Business expansion, asset purchase, or substantial working capital needs
• Advantages: Competitive interest rates, minimal documentation, and potential EMI discounts.

By offering secured loans, Moneyboxx enables businesses to undertake larger projects with the assurance of structured financing.

3. Saral Mortgage Loans

Understanding the challenges faced by borrowers in Tier-3 and beyond regions, Moneyboxx offers Saral Mortgage Loans. These are designed for individuals who may lack clear property titles but still seek financial assistance.

Key Features:

• Loan Amount: INR 2,00,000 to INR 5,00,000
• Tenure: 36 to 60 months
• Purpose: Working capital or asset acquisition
• Advantages: Flexible collateral requirements and simplified processing.

This product bridges the gap for borrowers who might otherwise be excluded due to documentation constraints.

4. Sikka App – A Digital Financial Ecosystem

To cater to the digital needs of rural users, Moneyboxx has introduced the Sikka App. This platform offers a comprehensive suite of financial services, ensuring users have access to essential tools at their fingertips.

Key Features:

• Services: Loan applications, EMI payments, and digital gold purchases
• Accessibility: User-friendly interface tailored for rural users
• Benefits: Streamlined financial management and enhanced financial literacy

The Sikka App exemplifies Moneyboxx's commitment to integrating technology with financial services to promote inclusivity.

Through these diverse products, Moneyboxx Finance Limited aims to empower micro and small enterprises, fostering growth and financial inclusion across India's underserved regions.

Source: Moneyboxx.²

Moneyboxx Finance Ltd. Customer Care

For any queries or support, Moneyboxx’s customer care team is here to help. You can reach them at +9112 4448 8245 or email : info@www.moneyboxx.in.

Tailored Lending For Small Businesses

Moneyboxx Finance Limited stands out in the crowded NBFC space with its focused approach to empowering small businesses and micro-entrepreneurs through customised loan solutions. 

By blending a strong branch network with digital tools like the Sikka App and AI-based loan management systems, the company offers fast, efficient, and inclusive lending. With a well-diversified borrowing base, robust capital management, and an increasing focus on secured lending, Moneyboxx provides a solid platform for investors seeking exposure to high-growth MSME lending. 

Its commitment to financial inclusion and portfolio quality makes it a compelling choice for those interested in the Indian lending market and fixed-income investments.

Also Read: How TruCap Finance Empowers MSMEs And Women Through Inclusive Lending

Key Strengths Of Moneyboxx Finance Ltd.

Key Strengths of Moneyboxx Finance Ltd. (Simplified)

1. Strong Business Growth and Expansion

Moneyboxx has been growing steadily. Their total loans given (AUM) went up by 14.7%, rising from INR 730 Cr in March 2024 to INR 837 Cr in December 2024. At the same time, the company opened more branches, expanding from 100 branches in March 2024 to 160 branches by December 2024. They now operate across 12 states, showing strong and expanding reach.

2. Better Operating Efficiency

Moneyboxx is managing its operations more efficiently even while growing. Their operating costs compared to revenue dropped significantly, from 13.5% in FY24 to 8.5% by December 2024. 

This shows that the company is keeping costs under control while growing its business, which is a sign of good management.

3. Strong Capital Base and Fundraising Ability

The company has maintained a healthy financial position. They raised INR 177 Cr of equity (including warrants) in the year up to December 2024. Moneyboxx also improved its balance of debt and equity—their debt-to-equity ratio dropped from 2.6x in March 2024 to 1.8x in December 2024. 

This means they’re using debt more carefully and managing their capital well.

4.  Focus on Safer Secured Lending

Moneyboxx is giving more loans that are backed by security, which helps reduce the risk of defaults. Secured loan disbursements increased to 50% of total new loans in December 2024, compared to 24% a year earlier. Now, 38% of their total loan book is secured (up from 17% last December), and they aim to increase this to 45% by March 2025. This shift helps keep their loans safer and more stable.

5.  Strong and Diverse Borrowing Sources

Moneyboxx has a wide range of lenders backing it. They have partnerships with 33 lenders, including 12 well-known banks such as Indian Overseas Bank (IOB), Bajaj Finance, Nabkisan, and Suryoday Small Finance Bank. 

The total amount of loans these lenders have approved for Moneyboxx is INR 1,030 Cr, and Moneyboxx has already drawn INR 472 Cr from this pool. 

Additionally, they have INR 500 Cr of funds readily available through various partnerships. This gives the company financial strength and flexibility.

6.  Technology-Driven Operations

Moneyboxx has embraced technology to improve how they work. They use the Sikka App to help generate new leads and automate many processes. Their AI-based Loan Management System (LMS) helps assess risks and manage loans better. 

They also use a "phygital" strategy—combining physical branches and digital tools—to reach more customers efficiently. This approach makes the company more effective and customer-friendly.

Financial Snapshot Moneyboxx Finance Ltd.

Source: Source: audited financials, credit rating reports

To arrange the capital, Moneyboxx Finance Ltd. also offers corporate bonds. These opportunities from the company are secured and are rated by credit rating agencies. On Grip Invest, investors invested in CREDIT ‘BBB’ rated bonds of the company that offered fixed returns of up to 12.80%. To invest in similar, rated, regulated and secured fixed-income opportunities sign-up for Grip Invest today and start earning fixed returns:

References:

1. https://moneyboxxfinance.com/our-leadership-team

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