Moneyboxx Finance Q2 profit rises to Rs 90.62 lakh on income

Moneyboxx Finance Limited reported profit after tax of Rs 90.62 lakh for the quarter ended September 30, 2026, as total income reached Rs 61.023 crore. The profit was Rs 20.70 lakh in the preceding June 2026 quarter and Rs 27.85 lakh a year earlier, while a Rs 16.6739 crore gain on derecognition of financial instruments supported income.

How did Moneyboxx Finance perform in the September 2026 quarter?

Moneyboxx Finance earned Rs 90.62 lakh after tax in the September 2026 quarter, compared with Rs 20.70 lakh in June 2026 and Rs 27.85 lakh in the September 2025 quarter. Profit before tax was Rs 1.0129 crore, up from Rs 24.24 lakh sequentially and Rs 31.30 lakh a year earlier, before a total tax expense of Rs 10.67 lakh.

Total income was Rs 61.023 crore, against Rs 52.1195 crore in June 2026 and Rs 55.0628 crore in September 2025. Revenue from operations accounted for Rs 60.9602 crore and other income was Rs 6.28 lakh. Moneyboxx Finance reported a net profit margin of 1.49%, which it defines as profit after tax divided by total income.

Basic and diluted earnings per equity share were Rs 0.16 for the September 2026 quarter, versus Rs 0.03 in June 2026 and Rs 0.09 in September 2025. The results were subject to a limited review by Gaur & Associates, whose report said nothing had come to its attention to indicate a material misstatement in the financial results.

What drove Moneyboxx Finance's income movement?

Moneyboxx Finance's total income increased sequentially because its net gain on derecognition of financial instruments rose to Rs 16.6739 crore from Rs 4.0823 crore in June 2026. That gain was also substantially above Rs 73.27 lakh in the September 2025 quarter, even as interest income declined in both comparisons.

Interest income was Rs 41.3032 crore, down from Rs 45.1544 crore in June 2026 and Rs 49.8743 crore a year earlier. Fees and commission income was Rs 2.4285 crore, compared with Rs 2.5739 crore sequentially and Rs 3.6975 crore a year earlier, while net gain on fair-value changes was Rs 55.46 lakh.

For the six months ended September 30, 2026, total income was Rs 113.1425 crore, compared with Rs 114.1813 crore in the corresponding prior-year period. Half-year interest income fell to Rs 86.4576 crore from Rs 100.3181 crore, while gains on derecognition rose to Rs 20.7562 crore from Rs 4.7868 crore.

How did Moneyboxx Finance's expenses and impairment change?

Moneyboxx Finance's total expenses were Rs 60.0101 crore in the September quarter, compared with Rs 51.8771 crore in June 2026 and Rs 54.7498 crore in September 2025. Finance cost was Rs 21.3823 crore, above Rs 21.10 crore in the preceding quarter and Rs 21.0099 crore in the year-earlier quarter.

Impairment on financial instruments was Rs 8.9634 crore, down from Rs 20.7638 crore in June 2026 but above Rs 5.2659 crore in September 2025. Employee benefit expense was Rs 22.1175 crore, compared with Rs 11.1546 crore sequentially and Rs 22.1097 crore a year earlier; depreciation and amortisation was Rs 2.5291 crore.

For the first half of 2026-27, impairment was Rs 29.7272 crore, compared with Rs 13.6041 crore in the corresponding prior-year half. Finance cost rose to Rs 42.4823 crore from Rs 41.6089 crore, while total expenses declined to Rs 111.8872 crore from Rs 113.4346 crore. Half-year profit after tax was Rs 1.1132 crore, against Rs 52.20 lakh a year earlier.

What does Moneyboxx Finance's balance sheet show?

Moneyboxx Finance had total assets of Rs 1,056.9349 crore at September 30, 2026, compared with Rs 995.3215 crore at March 31, 2026. Loans declined to Rs 638.7434 crore from Rs 688.4442 crore, while cash and cash equivalents increased to Rs 111.42 crore from Rs 82.891 crore.

Debt securities rose to Rs 331.242 crore at September 30 from Rs 261.1738 crore at March 31. Borrowings other than debt securities were Rs 393.3035 crore, slightly below Rs 396.584 crore, and net worth, comprising equity share capital and other equity, increased to Rs 297.5105 crore from Rs 296.2252 crore.

Moneyboxx Finance reported a debt-equity ratio of 2.44 and total debts-to-total-assets ratio of 0.69 at September 30, 2026. Its capital-to-risk-weighted-assets ratio was 26.35%, while gross Stage 3 assets were 0.01% and net Stage 3 assets were 0.00%; Stage 3 refers to credit-impaired loans under Indian Accounting Standard 109.

What loan transfers and acquisitions did Moneyboxx Finance disclose?

Moneyboxx Finance disclosed two assignments of loans not in default during the September 2026 quarter, with aggregate principal outstanding of Rs 26.1424 crore and Rs 32.7012 crore. The respective weighted average maturities were 4.98 years and 6.55 years, with retained beneficial economic interests of 20% and 10%; the disclosure excludes co-lending arrangements.

Moneyboxx Finance also transferred 2,276 accounts to an asset reconstruction company, or ARC, with aggregate principal outstanding of Rs 29.2605 crore. The transferred loans had a net book value of Rs 26.8394 crore and aggregate consideration of Rs 20.4648 crore, with a weighted average residual tenor of 31.19 months.

The company acquired 5,137 accounts for aggregate consideration of Rs 33.9096 crore during the quarter. Standard assets comprised 4,815 accounts and Rs 32.2892 crore, while stressed assets comprised 322 accounts and Rs 1.6204 crore. Moneyboxx Finance received one investor complaint in the quarter, resolved it in the same period and had no complaints pending at September 30, 2026.

Conclusion

Moneyboxx Finance's September-quarter profit rose to Rs 90.62 lakh as total income increased sequentially to Rs 61.023 crore. The income increase coincided with a Rs 16.6739 crore derecognition gain, while interest income declined and impairment remained above the year-earlier quarter at Rs 8.9634 crore.

The filing does not disclose a forward target, lending plan or scheduled operating event. The next results will show whether the September-quarter mix of lower interest income, derecognition gains, Rs 29.7272 crore of half-year impairment and a reduced Rs 638.7434 crore loan book continues.