Who We Are

About Moneyboxx

Moneyboxx Finance Limited is a BSE-listed, Non-Deposit taking, Non-Systemically Important Non-Banking Financial Company (NBFC-ND-NSI) registered with the Reserve Bank of India (RBI). It is a subsidiary of Moneyboxx Capital Private Limited and is engaged in the business of providing small-ticket business loans to micro and small enterprises. With financial inclusion at its heart, Moneyboxx caters to unmet credit needs of micro and small enterprises in Tier-III and beyond cities. With 30 branches spread across five states (Rajasthan, Madhya Pradesh, Haryana, Punjab and Uttar Pradesh), it caters to credit needs of micro entrepreneurs in important and essential segments (livestock, kirana, retail traders, micro-manufacturers) by extending business loans ranging from INR 50,000 to 3,00,000 with tenure ranging from 6-36 months.

MFL journey started in 2018 with the registration of Moneyboxx Capital Private Ltd as a Private Limited Company. We then acquired Dhanuka Commercial Ltd, an existing listed NBFC and changed the name of the company to Moneyboxx Finance Ltd and Started operations in 2019.

Customer

MSME customers who are still not part of organized financial system deserve financing to fulfil their unmet credit demands; we provide loans to customers graduating from group borrowing to individual borrowing.

The customers despite having good intention and intent are not catered by banks and are at the bottom of the pyramid. So, we help them by financing loans for building their capital assets and working capital needs.

Product

We are into lending unsecured business loans ranging from

₹50,000 to ₹3,00,000

with an average tenure of 24 months

Geography

With an initial focus on Haryana, Rajasthan, Punjab, Madhya Pradesh, and Uttar Pradesh we now intend to expand in North, Central, and West India. We follow a cluster-based approach. It allows us to create many customers in the same segment in a particular geography.

Branches  April-2022 
Rajasthan 10
Madhya Pradesh 7
Haryana 7 
Punjab 5 
Uttar Pradesh 1 
     Total  30 

Origination

We believe in a Direct-to-Customer relationship-based approach wherein no third party or DSA is involved. A feet-on-street and ‘PHYGITAL’ model results in extremely efficient sourcing and collection processes and strong portfolio quality

Vision

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

Mission

To deliver easy, cost efficient and technology driven financing solutions to aspiring micro enterprises

Our Lending Partners

Our Values

Our Business Philosophies

We follow a Nine-point philosophy to deliver value thereby ensuring highest level of customer satisfaction, risk management and overall governance
1

Strategy

Focus on the right customer segment with the right product mix and optimum geographical footprint

2

Customer Experience

We not only provide loans but also establish a connect with our customers so that they have a hassle-free experience throughout the loan tenure

3

Sales

We have an efficient on field team and digitally enabled process to enhance the productivity

4

Operational excellence

Our digitally enabled processes and systems are aligned with the goal of ensuring a hassle-free operational procedure
5

Credit and Collections

We follow strong credit underwriting and efficient collection processes
6

Efficient Pricing

We have a value-based pricing approach

7

Stakeholder value and Partnership

Partnering with all our stakeholders to create long term value
8

Agile IT and data analytics

Agile and mean tech systems to enhance process speed/productivity enabling rapid growth
9

Organisational structure and talent

Lean physical setup, mean technology base- supporting our ‘phygital model’ to grow at scale and speed