INE658R01011
Listing Status: DRHP Not Filed

About Motilal Oswal Home Finance Ltd
Overview of Motilal Oswal Home Finance Ltd
Underwriting:
In the business of lending, underwriting is the single most parameter which one should look in order to make an investment in the company. Underwriting is a process of distribution of loans. If the company has a robust process for underwriting, then chances of NPAs get reduced considerably. Now, let us see how MOFH does underwriting?
a. The loan approval process at MOHFL is in 4 layers of an approval process based on the ticket size of the loan.
b. Approvals of lending proposals are carried out by various authorities from Cluster Credit Head to National Credit Head. Approvals beyond certain limits are referred to as the Chief Operation Officer. An additional layer of in house legal
and technical makes the underwriting process more robust.
c. There is a Dedicated Risk Containment Unit (RCU) in the Company to minimize fraud related to income documents, profiles, and collateral.
Borrowing:
Lending is a business where we need money to give money. MOHF first arranges money and then distributes it to the people in the economy to buy a new house or reconstruct. Now, how MOHF arranges fund?
a. From banks by a way of term loan.
b. NCD by issuing commercial paper
MOHFL total borrowings as of March 31, 2020, of Rs 2,954 crores. And, the cost of borrowing in FY20 at 10.16%.
A journey of Motilal Oswal Home Finance
2014:
(i) Commencement of Business Operation on 22.05.2014.
(ii) The first disbursement booked in Akola Branch in June 2014.
(iii) The loan book crossed 50 Cr.
2015:
(i) Presence across 14 locations.
(ii) Total staff: 160 employees.
(iii) Loan book at 357 Cr with 3565 live accounts.
(iv) Year-end PAT at 18 Cr CRISIL upgrades rating for long term borrowings from “A/Stable” to “A+/Stable“ Loan book crosses 550 Cr with 5,500 Cr live loan accounts Present at 23 locations.
2016:
(i) Present in 51 Locations with employees count of 500.
(ii) PAT for the years at 40 Cr.
(iii) Received the first 50 Brand 2016 award by WCRC.
(iv) Presence extended to 62 locations.
2017:
(i) Awarded second prize for best performing Primary Lending Institution under CLSS for EWS/LIG by the Ministry of Housing and Urban Poverty Alleviation.
(ii) Expanded to 6 new states with a presence in 121 locations with a staff count of 1049.
(iii) loan Book of 4165 Cr with 46,142 live accounts.
2018:
(i) 4682 Cr of the loan book.
(ii) Capital Infusion by MOSFL of Rs. 150 Cr.
(iii) Strengthening of a core team.
(iv) Strengthening Credit & Risk
2019-20:
(i) CRISIL has upgraded MOHFL’s rating to AA- (stable outlook) from earlier A+ (stable) based on several positive changes undertaken.
(ii) Sold NPA pool to ARC resulted into significant reduction into NPAs.
(iii)Profitability is back in FY20 after taking one time provisioning hit in FY19
(iv) Awarded the Customer Excellence Award at the India CX & Digital Customer Excellence Awards, 2019
(v) Loan book of 4,357 crore with 52,000+ live accounts.
(vi)Capital Infusion of 200 crore in FY19, taking the total cumulative Capital Infusion to ` 850 crore.
FY20 witnessed a slight drop in profitability ratios for HFCs owing to lower disbursements and interest spreads. Further, March quarter got impacted due to lockdown in March month. FY21 outlook remain muted amid COVID-19 pandemic outburst and no visibility on how long it will continue. Considering lockdown is only solution for time being to control spread, it has created huge impact on global economy. We believe that HFC Industrywill also face challenges from asset side as well as liability side. Further, slowdown in real estate sector led by supply side as well as demand side constrains will aggravate problem. As per ICRA estimate loan book growth for HFC would be 6-8% for FY21. Profitability for the sector would also be impacted due to shrinking spreads and elevated credit cost.
Insights of Motilal Oswal Home Finance Ltd
Balance Sheet of Motilal Oswal Home Finance Ltd
Profit and Loss of Motilal Oswal Home Finance Ltd
Management of Motilal Oswal Home Finance Ltd
NAVIN HARIPRASAD AGARWAL - Director
Shareholding in the company - 0.92 %
SHALIBHADRA NAVINCHANDRA SHAH - Chief Financial Officer
RAAMDEO RAMGOPAL AGARAWAL - Director
MOTILAL GOPILAL OSWAL - Director
RITIN SHANTILAL MAWANI - Company Secretary
DIVYA SAMEER MOMAYA - Director
SANJAYA SHRIKRISHNA KULKARNI - Director
ARVIND ROSHAN HALI - Managing Director
Ancillary of Motilal Oswal Home Finance Ltd
Ratio Analysis
Peers
Industry Benchmarking
Segment Revenue
Subsidaries
Security Allotment
Corporate Governance
Press of Motilal Oswal Home Finance Ltd
Annual Report of Motilal Oswal Home Finance Ltd
Company Information of Motilal Oswal Home Finance Ltd
-
Can I buy unlisted shares of Motilal Oswal Home Finance Ltd?
Yes, you can buy Motilal Oswal Home Finance Ltd shares. We at Altius Investech have many actively traded scripts and are market makers of unlisted shares. To check out all the unlisted shares traded. (Click on link). To submit a request to buy share of Motilal Oswal Home Finance Ltd Please click on the trade button at the top of this page
-
Can I sell unlisted shares of Motilal Oswal Home Finance Ltd?
Yes, you can sell Motilal Oswal Home Finance Ltd shares. We at Altius Investech have many actively traded scripts and are market makers of unlisted shares. To check out all the unlisted shares traded (Click on link). To submit a request to sell shares of Motilal Oswal Home Finance Ltd Please click on the trade button at the top of this page
-
What is the price of Motilal Oswal Home Finance Ltd unlisted share?
We provide a two way quote on all the shares we deal in. Your buy price for Motilal Oswal Home Finance Ltd unlisted share is ₹11.11 and your sell price for Motilal Oswal Home Finance Ltd unlisted share is ₹10.5. The price is based on our estimates and market conditions.
-
How is the price of Motilal Oswal Home Finance Ltd calculated?
Fundamental & Comparative valuation models and the forces of demand and supply in the market for unlisted shares dictate the price. These prices are based on our estimates and transaction history of Motilal Oswal Home Finance Ltd unlisted share.
-
What are the lot sizes for Motilal Oswal Home Finance Ltd unlisted shares?
We can generally arrange lot sizes starting with an investment of INR 20,000. To confirm the lot sizes of Motilal Oswal Home Finance Ltd unlisted shares with us kindly click here.
-
What are the financials of Motilal Oswal Home Finance Ltd?
The financials of Motilal Oswal Home Finance Ltd which includes the P/L of Motilal Oswal Home Finance Ltd and the Balance Sheet of Motilal Oswal Home Finance Ltd is in the financials section (Click on link).
-
Where can I find the annual report of Motilal Oswal Home Finance Ltd?
The annual report of Motilal Oswal Home Finance Ltd is available in the annual report section (Click on link).
-
What is the lock-in period of Motilal Oswal Home Finance Ltd unlisted share?
The minimum lock-in period of Motilal Oswal Home Finance Ltd unlisted share is 1 year post the listing date. Prior to listing the shares can be sold in the active unlisted market. We provide a two way quote on all the shares we deal in. Your buy price for Motilal Oswal Home Finance Ltd unlisted share is ₹11.11 and your sell price for Motilal Oswal Home Finance Ltd unlisted share is ₹10.5.
Stay Connected.
Chennai Office
19/10, Guru Vappa Chetty Street, Chintadripet, Chennai - 600002
Dubai Office
2701, Executive Tower G, Business Bay, Dubai, UAE
Andhra Pradesh & Telangana Office
54-19-25/1, Flat no.101, Sai Residency, Nelson Mandela Park Road, LIC Colony, Vijayawada (Urban), Andhra Pradesh - 520008