The journey started in 2018 with the registration of MONEYBOXX CAPITAL PRIVATE LTD as a Private Limited Company.

MONEYBOXX CAPITAL PRIVATE LTD then acquired DHANUKA COMMERCIAL LTD, an existing listed NBFC and changed the name of the company to MONEYBOXX FINANCE LTD.

MONEYBOXX FINANCE LTD is committed to providing easy access to financing to the deserving micro enterprises in the tier 2 and tier 3 cities of India with ticket sizes ranging from INR 50,000 to INR 5,00,000.

MONEYBOXX started its lending operations in February 2019 by opening its first branch in Bharatpur, Rajasthan.

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Our Values

Customer Satisfaction




Excellence in everything we do

Respect and trust

team work

Importance of MSME’s

  • The Micro, Small and Medium Enterprises (MSME) sector has emerged as a highly vibrant and dynamic sector of the Indian economy over the last five decades.
  • It contributes significantly to the economic (one third of India’s GDP) and social development of the country by fostering entrepreneurship and generating largest employment opportunities (employs 124 million people) at comparatively lower capital cost, next only to agriculture.
  • MSMEs are complementary to large industries as ancillary units and this sector contributes significantly in the inclusive industrial development of the country.
  • The MSMEs are widening their domain across sectors of the economy, producing diverse range of products and services to meet demands of domestic as well as global markets.

Key Challenges in MSME Lending

  • Lack of trust due to absence of valid business documentation- absence of formal income/expense documents.
  • No business registration due to lack of resources and knowledge.
  • No earlier credit imprint as many would not have borrowed earlier.
  • Credit underwriting due to lack of predictable cash flow analysis.
  • Specific funding requirements basis seasonality.
  • Unable to provide collateral including guarantors.

Our Approach

Micro Clusters

Our target segment is the Micro Clusters within the MSME segment who are at the bottom of the pyramid and have very little access to formal credit but are very important for the overall growth of the MSME sector.

Relationship Based Model

We believe in DIRECT to CUSTOMER approach. We engage in a long term relationship with our customer and do not employ any third party agents to source business.

Human Touch Point

Whilst technology is at the core of our business, We believe in delivering excellent customer service by maintaining a direct touch point with the customers. We have an OMNI channel delivery model.

Human Knowledge and Technology Intelligence

We have successfully amalgamated symbiosis of human knowledge and technology intelligence to deliver quick financing solutions to the deserving micro enterprises.

Superior Asset Quality

We believe that a robust credit underwriting standards using the above mentioned approach is key to building a sustainable and profitable business model.

Sector Agnostic

We are sector agnostic and spread our risk very cautiously across sector and geographies to mitigate risk of harsh winds that may blow from sector to sector over time.

Easy Credit Delivery

Seamless credit delivery by designing and delivering them with excellence, innovation and integrity.

Robust Credit Underwriting

Robust credit underwriting backed by Non traditional and Non financial alternative data sources and sector specific inputs.

Unique Methodology

Unique methodology for a diverse set of MSME customers across multiple sectors.

Understanding Customer Requirement

We study the customer’s enterprise in depth and draw out the assessment peculiarities of that specific trade. The trades are continuously monitored and changes are incorporated in the credit evaluation tool accordingly.

Superior Credit

We believe in doing superior credit by evaluating the customer needs and cash flows. Crunching of data points at the back end for segmental understanding of these small however valued businesses.

Strong Risk and Compliance Culture Monitoring

We believe in controlled aggression backed by strong risk and compliance culture.