About the Report

BASIS OF REPORTING

Moneyboxx Finance Limited (hereinafter referred to as“we”, “our”, or “us”, or “the Company”) prepares and publishes its Integrated Report <IR> as a comprehensive disclosure tool for the stakeholders. This is our second <IR> which encapsulates performance of FY24 and our strategies and prospects. This includes the prudent utilisation of six capitals, risk management methods, and stakeholders’ engagement philosophy which together drives our strategic success and exemplifies our value creation and preservation approach. Additionally, our report highlights our commitment to fostering innovative solutions, maintaining sustainable practices, and adhering to robust governance frameworks to ensure long-term success and responsible growth.

BASIS OF REPORTING

This Integrated Report has adopted the capital accounting methodology as prescribed by the International Integrated Reporting Council’s (IIRC) Integrated Reporting framework. The statutory reports, including the Board’s Report, Management Discussion and Analysis (MDA), Corporate Governance Report, comply with the Companies Act of 2013, the Securities Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations of 2015, and the prescribed Secretarial Standards.

BOUNDARY AND SCOPE OF REPORTING

The IR encapsulates Company’s financial and non-financial disclosure of FY24 with a comparative overview from FY20. The reporting period marks from April 1, 2023, to March 31, 2024. The financial information has been audited by Gaur & Associates, Chartered Accountants.

RESPONSIBILITY STATEMENT

The Board of Moneyboxx Finance has applied its collective knowledge and expertise to affirm the integrity of the IR and any supplementary information referenced. To ensure robust governance oversight, risk management, and control, the contents of the IR 2023-24 have been thoroughly reviewed by senior management and subsequently approved by the Board of Directors. This rigorous process guarantees the integrity, accuracy, completeness, and relevance of the information presented.

OUR SIX CAPITALS

Financial Capital
Manufactured Capital
Intellectual Capital
Human Capital
Social and Relationship Capital
Natural Capital

OUR STAKEHOLDERS GROUP

Society and Community
Customers
Employees
Investors
Regulators

OUR STRATEGIES

S1
Product diversification
S2
Enhancing physical presence
S3
Strengthening digital infrastructure
S4
Robust credit underwriting

CONTRIBUTION TO UN SDGs

UN SDGs Our approach Progress so far

Enable underserved individuals to access appropriate financial services, new technology, basic services, products and goods

1,50,000+ borrowers (including co-borrowers) and ₹ 12,000+ million disbursed

100% customers posses savings account

Serve livestock customers to promote food security, including regular cattle health screenings

Offer additional services and plant fruit-bearing trees to enhance customer well-being and food security

39,000+ unique livestock customers & ₹ 7,934+ million disbursed

Median 8 cattle per farmer

Veterinary services to 36,000+ customers (health screening of 3,40,000+ cattle)

12,000+ fruit-bearing trees planted

Achieve gender equality by extending micro-loans to women and providing financial literacy and credit counselling (FLCC) training

Empower women entrepreneurs

Ensure a diverse and inclusive workforce

35,600 unique customers & ₹ 6,864 million disbursed

100+ beneficiary of Financial Literacy & Credit Counselling (FLCC) training

59% borrowers are women

Positively impact MSMEs by promoting job creation and economic growth, and creating employment opportunities

Offering non-financial services to the customers

Focus on strategic talent development, career opportunities, and employee learning, development, and well-being

21,300+ unique MSME customers & ₹ 4,135+ million disbursed

1,50,000+ jobs created in smaller towns

Veterinary services to 36,000+ customers (health screening of 3,40,000+ cattle)

₹ 42,00,000+ total training investment

13.50 hours average annual training hours per employee

Funding manufacturing segment customers to contribute in building sustainable industrialisation

Technology-driven approach and digital processes

3,700+ unique manufacturing customers funded

₹ 762+ million disbursed to manufacturing sector customers

Promoting financial independence of the women to reduce social inequalities

35,600 unique customers & ₹ 6,864+ million disbursed

1,200+ widowed funded

21,300+ NTC borrowers funded & ₹ 3,091+ million disbursed

13,900+ women NTC borrowers and ₹ 2,062+ million disbursed

We contribute to making cities and human settlements inclusive and safe by providing financial assistance and promoting financial inclusion

100 Tier 3 or below cities supported across 8 states

₹ 12,000+ million disbursed

Ensuring responsible consumption and production of our Agri-borrowers while optimising their assets

39,000+ unique customers & ₹ 7,934 million disbursed

Veterinary services to 36,000+ customers

53 livestock awareness camps organised

Reducing carbon footprint by planting fruitbearing trees

Adhered to digitalised operations for credit activities

12,000+ fruit-bearing trees planted

3,40,000+ cattle screened

Strategic partnerships in place to achieve/impact UN SDGs

Partnered with MSDF for a three-year longitudinal impact study

Multi-stakeholder partnership for impact initiatives