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Business ModelOur approach to value creation

Financial Capital

Pool of monetary resources.

  • Total equity raised till date: ₹ 178.61 crore
  • Debt capital: ₹ 760+ crore

Intellectual Capital

Product innovation, service excellence, tech-driven approach and digital processes.

Social and Relationship Capital

Our beyond-lending impact creation measures.

  • Customer engagement
  • Community investment
  • Beyond-lending initiatives
  • Investors/lenders/rating agencies engagement

Manufactured Capital

Physical presence & diversified AUM across geographies.

  • 8 states
  • 100 branches

Human Capital

The collective knowledge base acting as key differentiator.

  • Employee benefit expense in FY24: ₹ 47+ crore
  • Total training hours dedicated: 23,664 hours
  • Average training hours per employee: 13.50 hours

Natural Capital

Responsibilities towards conserving natural resources.

  • Total investment in tree plantation: ₹ 15,75,000+
  • ESG Policy

Our Foundational Philosophy

To be “The Lender of Choice” for deserving micro-enterprises in India

Stakeholders Impacted

Read more

Promoting financial inclusion through tailored services

  • Moneyboxx Vyapaar Loans (Secured)
  • Moneyboxx Vyapaar Loans (Unsecured)
  • Sikka app (powered by Moneyboxx Finance)

Building a sustainable future... Together

UN SDGs impacted

Financial Capital

  • AUM: ₹ 730 crore
  • Total Income: ₹ 128 crore
  • GNPA: 1.54% of AUM
  • NNPA: 1.04% of AUM
  • PAT: ₹ 9.1 crore

Intellectual Capital

  • Asset-light, digital and scalable business model
  • Our digital tools:
    • Integrated LMS
    • Sikka app
    • Learning portal

Social and Relationship Capital

  • Total customers served: 1.5 lakh
  • Women borrowers: 59%
  • New-to-credit customers: 35%
  • Cattle diagnosed: 340k+
  • Lives benefited from beyond-lending impact initiatives: 14,400+

Manufactured Capital

  • Customers served across locations: 100 Branches
  • AUM growth per branch (Branch vintage 2+ years): 49%

Human Capital

  • Total employees: 1,300
  • Low attrition rate: 10%
  • 84% of employee =<35 Years
  • Employee hired native to branch: 43%

Natural Capital

  • Energy consumption: 2,41,965 units
  • Biodiversity protection and carbon sequestration through 12,000+ trees planted

Financial Capital

Strategies

S1 S2 S3 S4

Risk

  • Credit risk
  • Liquidity risk
  • Interest rate risk
  • Operational risk
  • IT risk
  • Compliance risk

Manufactured Capital

Strategies

S1 S2 S3

Risk

  • Operational risk
  • IT risk

Intellectual Capital

Strategies

S1 S3 S4

Risk

  • Operational risk
  • IT risk

Human Capital

Strategies

S2 S3 S4

Risk

  • Operational risk

Social and Relationship Capital

Strategies

S1 S2 S3

Risk

  • Credit risk
  • Liquidity risk
  • Interest rate risk
  • Operational risk
  • IT risk

Natural Capital

Strategies

S2 S3

Risk

  • Compliance risk

Improved branch productivity to scale growth

Access to finance for agri-preneurs and micro-entrepreneurs

Nurturing an inclusive team that delivers

Ensuring holistic cattle health management, feedstock advisory, cattle breed and improvement in milk yield

Ensuring women empowerment through accelerating financial inclusion

Message from Co-Founders
Strategy

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