Moneyboxx Finance reported a 3.2-fold year-on-year increase in profit after tax to ₹0.90 crore in the second quarter of FY27, compared with ₹0.28 crore in the corresponding quarter last year. On a sequential basis, PAT rose 4.3 times from ₹0.21 crore in Q1 FY27.
The company's pre-provision operating profit increased 79% YoY to ₹9.97 crore in Q2 FY27, compared with ₹5.58 crore in Q2 FY26. Sequentially, PPOP rose more than fourfold from ₹2.44 crore in the previous quarter. Net interest and fee income increased 16% YoY to ₹39.64 crore from ₹34.05 crore in the year-ago quarter.

On a quarter-on-quarter basis, the figure grew 28% from ₹31.02 crore in Q1 FY27. Total income rose 11% YoY to ₹61.02 crore in Q2 FY27, compared with ₹55.06 crore in Q2 FY26. Sequentially, total income increased 17% from ₹52.12 crore. Profit before tax stood at ₹1.01 crore, compared with ₹0.31 crore in the year-ago quarter and ₹0.25 crore in the preceding quarter.
For the first half of FY27, Moneyboxx Finance's PAT more than doubled to ₹1.11 crore from ₹0.52 crore in H1 FY26. Moneyboxx Finance disbursements double in two monthsMoneyboxx Finance's quarterly disbursements increased 14% QoQ to ₹87 crore in Q2 FY27.

Monthly disbursements more than doubled in two months, rising from ₹25 crore in August to ₹32 crore in September and crossing ₹50 crore in October 2026, according to provisional figures. The company attributed the growth to its 148-branch network, along with contributions from its partnerships and new lending products.
Its four growth segments include MSME lending, livestock finance, rooftop solar finance and digital lending. Assets under management stood at ₹802 crore as of September 30, 2026. The company said AUM growth is expected to resume from Q3 FY27 as disbursements accelerate.

Asset quality improvesMoneyboxx Finance's 90+ days past-due payment rate improved to 2.56% as of September 30, 2026, compared with 6.25% as of March 31, 2026. Its 30+ PAR declined to 6.64% from 8.40% over the same period. On-book gross non-performing assets declined to 0.01% from 3.59%.
Credit cost for H1 FY27 stood at 2.64% of average AUM, compared with 3.32% in FY26, while collection efficiency was 92.5%. Around 67% of the company's AUM came from borrowers with bureau scores of 650 and above. The share of borrowers with scores of 750 and above increased to 19% from 3% in FY24.

Total assets cross ₹1,000 croreMoneyboxx Finance's total assets stood at ₹1,057 crore as of September 30, 2026, taking the company into the Middle Layer NBFC category. The company raised ₹110 crore through non-convertible debentures during Q2 FY27. NCDs accounted for 46% of its borrowings, up from 40% in March 2026.
The company is supported by 36 lenders, including 12 banks, and reported a capital-to-risk-weighted assets ratio of 26.35%. Moneyboxx Finance shares were trading at ₹41.41 on the NSE, up ₹1.36 or 3.40% from the previous close.