OUR APPROACH

Our manufactured capital is referred to the physical assets that renders our services to the customers. Our presence predominantly marks northern, western and central India’s rural belt, focussing on expanding the reach to other adjacent states. We have grown our presence by penetrating existing states and entering newer geographies, ensuring geographic diversification while achieving growth. During the reporting period, we crossed an important landmark by closing year with 100 branches compared to 61 branches in FY23.

STRATEGICALLY ENHANCING OUR FOOTPRINT THROUGH

Underserved market of 1-10lakh business loans offers great opportunity which traditional lenders are not able to tap into given limited business information of the customers and inadequate collateral. Moneyboxx Finance has established a proven business model in catering to this segment by leveraging technology and feet-on-street model. Our expansion strategy played a crucial role in improving branch productivity. With the opening of 39 new branches and the entry into two new states, Bihar and Gujarat, we are expanding our market reach while diversifying our customer base, providing ample opportunities for increased loan disbursements.

The significant improvements in branch productivity have had a profound impact on both our business operations and the experience of our customers. On the business front, the remarkable 2X increase in disbursement growth, accompanied by 49% increase in branch productivity (AUM per branch) for branches over 24 month vintage underscores the effectiveness of our efforts. This accelerated growth trajectory strengthens our position in the finance sector and the enhanced branch productivity has supported profitability. Improved accessibility to financial services, and enhanced customer support have contributed to higher satisfaction levels among our clientele.

Future focus to improve productivity

OUR OPERATIONAL STRENGTHS

OUR PRESENCE ACROSS THE COUNTRY