Unlisted Shares
Motilal Oswal Home Finance Limited
Motilal Oswal Home Finance Limited (Unlisted)
Verified Unlisted CompanyOff-market Transfer · NSDL / CDSL
About Motilal Oswal Home Finance Limited
Motilal Oswal Home Finance Limited is a housing finance company focused on providing home loans, loan against property, and other mortgage-backed financing solutions. It is part of the renowned Motilal Oswal Group and caters primarily to self-employed and salaried customers in Tier II and Tier III cities.
Share Details
| company Name | Motilal Oswal Home Finance Limited (Unlisted) |
| indicative Unlisted Share Price | ₹17 |
| market Capitalization | ₹9962 Crore |
| lot Size | 1000 |
| 52 Week High | ₹18 |
| 52 Week Low | ₹11 |
| face Value | ₹1 |
| book Value | 2.36 |
| pe Ratio | 54.76 |
| pb Ratio | 4.87 |
| debt To Equity | 2.59 |
| return On Equity | 9.1 |
| total Outstanding Shares | 605392579 |
| isin | Not Available |
| depository | NSDL & CDSL |
| pan | AAACO2234F |
| cin | U65922MH2016PLC281071 |
| rta | Link Intime |
Income Statement (Profit & Loss) (₹ in Crore)
| Particulars | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|
| Interest Earned | 500 | 513 | 558 | 608 |
| Other Income | 17 | 18.5 | 31 | 44 |
| Interest Expended | 229 | 218.5 | 250 | 267 |
| Operating Expenses | 108 | 119 | 155 | 216 |
| Provisions and Contingencies | 73 | 19 | 12 | 18 |
| PBT | 95 | 158 | 132 | 130 |
| PAT | 95 | 158 | 132 | 130 |
| EPS | 1.64 | 0.23 | 0.22 | 0.21 |
Key Financial Ratios (Last 3–5 Years)
| Ratio | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|
| Gross NPA (%) | 0.9 | 0.55 | 0.42 | 0.87 |
| Advances | 3,634 | 5,772 | 4,032 | 4,858 |
| Book Value | 1.67 | 1.9 | 2.15 | 2.36 |
| P/B | 6.38 | 7.36 | 7.04 | 8.78 |
| ROE (%) | 9.64 | 11.85 | 10.26 | 9.1 |
Financial Annual Report Summary
Motilal Oswal Home Finance has shown steady growth in its loan book (Advances) and interest income. The company is focusing on asset quality and controlled expansion in the housing finance segment.
Why Invest in Motilal Oswal Home
- Steady growth in interest income.
- Healthy asset quality with low NPAs.
- Part of reputed Motilal Oswal Group.
- Debt to Equity of 2.59 (typical for Housing Finance Company).
Balance Sheet - Assets (₹ in Crore)
| Item | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|
| Fixed Assets | 8 | 13 | 13 | 18 |
| Cash and Balances | 273 | 319 | 472 | 829 |
| Investments | 0 | 0 | 0 | 0 |
| Advances | 3,634 | 5,772 | 4,032 | 4,858 |
| Other Assets | 48 | 64 | 35 | 49 |
| Total Assets | 3,765 | 6,148 | 4,552 | 5,530 |
Balance Sheet - Liabilities & Equity (₹ in Crore)
| Item | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|
| Share Capital | 602.7 | 603.3 | 603.79 | 605.3 |
| FV | 1 | 1 | 1 | 1 |
| Reserves | 404 | 544 | 685 | 823 |
| Borrowings | 2,608 | 2,880 | 2,994 | 3,703 |
| Deposits | 0 | 0 | 0 | 0 |
| Other Liabilities | 150.3 | 111.7 | 271.21 | 398.7 |
| Total Liabilities | 3,765 | 6,148 | 4,552 | 5,530 |
Liabilities Breakdown & Balance Sheet Insights
Balance Sheet Insights
Debt to Equity ratio of 2.59. Strong growth in borrowings to support loan book.
Liabilities Breakdown
Debt to Equity ratio of 2.59.
Additional Insights
Healthy loan book growth supported by borrowings. Strong capital position.
Cash Flow Insights
- Negative operating cash flow in some years due to loan book expansion (typical for HFCs).
- Funded through borrowings and equity.
Shareholding Pattern
Recent
Promoter: High (Motilal Oswal Group)
Institutional: Low
Public: Low
Promoters & Management
Part of Motilal Oswal Financial Services Group with strong promoter backing.
Key Management
Not Available on page
Registrar & Transfer Agent (RTA)
Registrar: Link Intime
Website: https://linkintime.co.in/
Management Analysis
Focus on expanding housing finance portfolio while maintaining strong asset quality and risk management.
Frequently Asked Questions About Motilal Oswal Home Finance Limited
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