| Market Cap | ₹403.5 CrMid-range Performer |
|---|---|
| Revenue TTM | ₹224.76 CrOperating Revenue |
| RSI | 47.73Neutral Zone |
| Industry PE | 30.55Vs Co. PE 309.22 |
Key highlights
- Launched SmartBiz Loan as an unsecured digital lending product on August 31, 2026
- Partnered with Trusave Fintech Private Limited (Bachatt) acting as a Lending Service Provider
- Moneyboxx retains full control over credit underwriting, evaluation, and lending operations
- Strategy aims to complement existing branch-led models with digital sourcing capabilities
- Focuses on expanding formal credit access for domestic underserved small business segments
The Product — What It Is
The SmartBiz Loan is an unsecured digital lending product designed specifically for the domestic Indian market. Launched on August 31, 2026, the platform operates through a strategic arrangement with Trusave Fintech Private Limited, branded as Bachatt. Under this partnership, Bachatt serves as the Lending Service Provider (LSP), managing front-end activities such as customer acquisition, digital onboarding, and operational servicing.
Moneyboxx continues to function as the primary lender, maintaining independent responsibility for evaluating and underwriting all loan applications according to its established internal credit policies and regulatory standards.
Strategic Fit
This launch represents a critical milestone in Moneyboxx's digital transformation, shifting the company toward a scalable, technology-led lending franchise. By integrating digital sourcing with its existing physical branch network and credit expertise, the firm aims to build a more diversified lending platform. The strategy is designed to strengthen operating leverage as the digital portfolio expands, allowing the company to reach a wider addressable customer base while maintaining the underwriting discipline of its traditional model.
The initiative aligns with its commitment to innovation and sustainable growth in a rapidly evolving financial ecosystem.
Business Overview
- Moneyboxx Finance operates in the Banking and Finance sector, focusing on micro-entrepreneur credit.
- The company currently maintains a market capitalization of approximately ₹403.5 crore.
- Promoter holding is recorded at 46.79%, showing no change in the most recent quarter.
- The firm reported an annual revenue growth of 16.52% YoY, despite recent quarterly fluctuations.
- Operational focus remains on providing formal credit to underserved small businesses across India.
Financial Context
Financially, Moneyboxx presents a mixed profile with a TTM Price-to-Earnings (PE) ratio of 309.22, significantly higher than the industry average of 30.55. While annual net profit grew by 7.38% to ₹1.34 crore, the most recent quarterly net profit saw a sequential decline of 55.93%. The company holds a high operating profit margin of 45.74% at the quarterly level.
This digital lending expansion is positioned to capitalize on emerging opportunities and deliver long-term value, as the firm works to stabilize its bottom line through more efficient technology-driven distribution channels.
| Share price | ₹57.8 |
|---|---|
| Market capitalisation | ₹403.50 Cr |
| Revenue (annual) | ₹231.77 Cr |
| Net profit (annual) | ₹1.34 Cr |
| Revenue (latest quarter) | ₹52.02 Cr-17.61% vs previous quarter |
| Net profit (latest quarter) | ₹0.21 Cr-55.93% vs previous quarter |
| P/E (TTM) | 309.22×Sector 22.9× |
| Promoter holding | 46.79%0.00% QoQ |
| FII holding | 0%Current quarter |
Reference market data from a third-party provider, as of the story. Not a valuation or a recommendation.
Exchange filing by Moneyboxx Finance Limited announcing the launch of its digital lending platform SmartBiz Loan. Market figures from a third-party data provider.
