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Motilal Oswal Home Finance Limited Unlisted Shares
DRHP Status : Not Filed
12.2
Fundamentals About Motilal Oswal Home Finance Limited
Downloads & Investor Documents
All documents are provided for informational purposes and are subject to regulatory disclosures.
Key Financials of Motilal Oswal Home Finance Limited
| P&L Statement | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Interest Earned | 500 | 513 | 558 | 608 |
| Other Income | 17 | 18.5 | 31 | 44 |
| Interest Expended | 229 | 218.5 | 250 | 267 |
| Operating Expenses | 106 | 119 | 155 | 216 |
| Provisions and contingencies | 73 | 19 | 12 | 1.6 |
| PAT | 95 | 136 | 132 | 130 |
| EPS | 0.16 | 0.23 | 0.22 | 0.21 |
| Gross NPA | 1.64 | 1.07 | 0.86 | 0.84 |
| Net NPA | 0.9 | 0.55 | 0.42 | 0.37 |
| Financial Ratios | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Advances | 3434 | 3772 | 4032 | 4836 |
| Book Value | 1.67 | 1.9 | 2.13 | 2.36 |
| P / B | 8.38 | 7.36 | 7.04 | 6.78 |
| ROE (%) | 9.44 | 11.85 | 10.26 | 9.1 |
| Assets | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Fixed Assets | 8 | 13 | 13 | 16 |
| Cash and Balances | 273 | 319 | 472 | 629 |
| Investments | 0 | 0 | 0 | 0 |
| Advances | 3434 | 3772 | 4032 | 4836 |
| Other Assets | 48 | 44 | 35 | 49 |
| Total Assets | 3763 | 4148 | 4552 | 5530 |
| Liabilities | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Share Capital | 602.7 | 603.3 | 603.79 | 605.3 |
| FV | 1 | 1 | 1 | 1 |
| Reserves | 404 | 544 | 683 | 823 |
| Borrowings | 2606 | 2889 | 2994 | 3703 |
| Deposits | 0 | 0 | 0 | 0 |
| Other Liabilities | 150.3 | 111.7 | 271.21 | 398.7 |
| Total Liabilities | 3763 | 4148 | 4552 | 5530 |
About Company
The following table shows a 10-point analysis of Motilal Oswal Home Finance Ltd. We will discuss each point in detail after this table.
| Parameter | Key Numbers | Insights |
|---|---|---|
| Business Overview | FY25 PAT ₹127 cr (Housing finance segment) |
Provides housing loans and loan-against-property (LAP) financing across India, serving retail borrowers in the mortgage lending market. |
| Industry & Market Position | Presence in affordable housing finance | Focused on retail housing borrowers and affordable housing finance, addressing credit demand in emerging and underserved housing markets. |
| Revenue Growth Trend | Growth driven by loan disbursements and AUM expansion |
Revenue visibility supported by rising housing demand and expansion of the mortgage loan portfolio. |
| Profitability & Margins | FY24 PAT ₹129 cr | Stable profitability supported by lending spreads, disciplined underwriting and relatively stable asset quality. |
| Cash Flow Quality | Interest income from loan portfolio | Recurring income generated from mortgage lending and loan-against-property financing activities. |
| Balance Sheet Strength | Backed by strong parent financial group | Access to funding sources and parent group support enhances financial stability and capital availability. |
| Valuation Comfort | Private market valuation linked to lending growth | Investor interest supported by the expansion of India’s housing finance sector and increasing mortgage penetration. |
| Management & Governance | Part of Motilal Oswal financial ecosystem | Managed by an experienced leadership team within the Motilal Oswal financial services group. |
| Growth Triggers & Catalysts | Rising housing demand Increasing credit penetration |
Strong demand for affordable housing and expanding mortgage credit availability support long-term growth potential. |
| Liquidity & Exit Visibility | OTC liquidity only No confirmed IPO |
Liquidity mainly through private market transactions in the unlisted space. |
Company Overview
(i) Motilal Oswal Home Finance Ltd (MOHFL) is a housing finance company engaged in providing home loans and loan-against-property products to retail customers across India.
(ii) The company operates as part of the broader Motilal Oswal financial services ecosystem, which has a diversified presence in capital markets, wealth management, asset management, and housing finance.
(iii) Motilal Oswal Home Finance focuses primarily on affordable and mid-income housing finance, catering to borrowers seeking funding for residential property purchases and related financing needs.
(iv) The company offers a range of financial products including home loans, loan against property, and other mortgage-backed lending solutions for individuals and small businesses.
(v) Housing finance companies play a key role in supporting the growth of the real estate sector by providing long-term credit for residential housing purchases.
(vi) With increasing urbanization and rising demand for home ownership, the housing finance sector in India has witnessed steady growth over the past decade.
(vii) Motilal Oswal Home Finance leverages its group’s financial expertise, distribution network, and customer base to expand its lending operations.
(viii) The company aims to strengthen its position in the housing finance market by focusing on credit underwriting, risk management, and efficient loan processing.
(ix) By expanding its loan portfolio and maintaining prudent lending practices, the company seeks to improve operational performance and profitability over time.
(x) Motilal Oswal Home Finance continues to contribute to the housing finance segment by facilitating access to credit for homebuyers and property owners.
Challenges in Motilal Oswal Home Finance’s Business
- Credit risk and asset quality: Housing finance companies face the risk of loan defaults and non-performing assets, which can impact profitability and balance sheet stability.
- Interest rate sensitivity: Changes in interest rates influence borrowing costs and lending margins, affecting the financial performance of housing finance companies.
- Regulatory environment: Housing finance companies operate under strict regulatory frameworks that govern capital adequacy, lending practices, and risk management.
Financial Review
Here are some key highlights of the financial performance of Motlal Oswal Home Finance Ltd. over the past few years.
FY23 Performance
During FY23, Motilal Oswal Home Finance continued operating in the housing finance segment with a focus on retail mortgage lending and property-backed loans.
The company maintained its lending operations while managing portfolio quality and funding costs in the housing finance market.
FY24 Performance
In FY24, the housing finance business reported a profit after tax of approximately ₹129 crore, reflecting stable performance in the housing finance segment. The performance during the year was supported by lending activity and interest income generated from the company’s loan portfolio.
FY25 Performance
In FY25, the housing finance segment reported profit after tax of approximately ₹127 crore. The results indicate continued profitability in the housing finance operations, supported by lending activity and credit demand in the housing sector.
Quick Summary
Motilal Oswal Home Finance Ltd operates in India’s housing finance sector and focuses on providing mortgage-based financial products to retail customers.
The company offers home loans and property-backed lending solutions and operates as part of the broader financial services ecosystem associated with the Motilal Oswal group.
With steady demand for housing finance and increasing home ownership aspirations in India, the company’s lending business has the potential to benefit from long-term growth in the mortgage market. However, like most lending institutions, Motilal Oswal Home Finance’s performance is influenced by factors such as credit risk, funding costs, and regulatory developments.
Promoters of Motilal Oswal Home Finance Ltd
The following are the active promoters of the company:
| Name | Designation | LinkedIn Profile |
|---|---|---|
| Motilal Oswal | Promoter | View Profile |
| Raamdeo Agrawal | Promoter | View Profile |
Click Here to visit the official website of Motilal Oswal Home Finance Ltd
Shareholding Pattern of Motilal Oswal Home Finance Limited
| Name | Holding |
|---|---|
| Motilal Oswal Financial Services Limited | 75.10% |
| Motilal Oswal Finvest Limited | 9.91% |
| Motilal Oswal Wealth Limited | 7.96% |
| Motilal Oswal Investment Advisors Limited | 3.97% |
| Others | 3.06% |
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Frequently Asked Questions
Motilal Oswal Home Finance Ltd unlisted shares are equity shares of Motilal Oswal Home Finance Ltd, a company that is not listed on NSE or BSE.
Yes. Investors can buy Motilal Oswal Home Finance Ltd unlisted shares on UnlistedKraft by completing the required KYC process and placing an order through the platform.
After the transaction is completed, the shares are transferred directly to the investor’s demat account.
Investing in Motilal Oswal Home Finance Ltd unlisted shares carries risks associated with unlisted markets, including lower liquidity and limited public information.
The price of Motilal Oswal Home Finance Ltd unlisted shares is determined by private market transactions between buyers and sellers.
Factors influencing pricing include company performance, lending portfolio growth, investor demand etc.
Yes. Investors must have an active demat account to hold Motilal Oswal Home Finance Ltd unlisted shares. Once the purchase is completed through UnlistedKraft, the shares are transferred to the investor’s demat account.
There is no mandatory lock-in period unless the company announces an IPO.
Yes. Investors can sell Motilal Oswal Home Finance Ltd unlisted shares before IPO through private market platforms, subject to buyer availability.
Yes. If Motilal Oswal Home Finance Ltd launches an IPO, pre-IPO investors are generally subject to a six-month lock-in period after the company gets listed.
If Motilal Oswal Home Finance Ltd unlisted shares are held for more than two years, gains are taxed at 20% with indexation as long-term capital gains.
If sold within two years, the gains are treated as short-term capital gains and taxed according to the investor’s income slab.
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+91-9599071664
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