Motilal Oswal Home Finance Unlisted Shares
Motilal Oswal Home Finance Ltd.
INE658R01011
Incorporation Date: 01-Oct-2013
Listing Status: DRHP Not Filed
About Motilal Oswal Home Finance Unlisted Shares
Overview of Motilal Oswal Home Finance Unlisted Shares
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 Unlisted Shares
Financial Snapshot
| Metric (in ₹ Cr unless specified) | FY25 | FY26 |
| Net Revenue | 629.95 | 800.21 |
| Total Operating Cost | 212.11 | 259.64 |
| EBITDA | 417.84 | 540.57 |
| Finance Costs | 267.50 | 326.13 |
| Profit Before Tax (PBT) | 166.42 | 208.60 |
| Profit After Tax (PAT) | 130.26 | 158.84 |
| Assets Under Management (AUM) | 4,878 | 5,829 |
| Disbursements | 1,794 | 2,021 |
| Net Worth | 1,429 | 1,608 |
| Gross Stage 3 (GNPA) | 0.84% | 0.87% |
| Return on Equity (ROE) | 9.6% | 10.6% |
| Return on Assets (ROA) | 2.8% | 2.8% |
Key Strategic & Financial Insights
- AUM Milestone: The company successfully crossed the ₹5,000 crore milestone, expanding its Assets Under Management to ₹5,829 crore in FY26
. This represents a strong 19% year-over-year growth trajectory . - Disbursement Momentum: Growth was driven by robust disbursements of ₹2,021 crore in FY26, up 13% from the prior year
. - Expanding Footprint: The active loan count grew to 54,831, supported by the strategic opening of 14 new branches, bringing the total to 126 branches across 12 states with a keen focus on Tier-II and Tier-III markets.
- Earnings Growth: Standalone PAT surged from ₹130.26 crore to ₹158.84 crore (per Screenshot_20260810-135533.png), reflecting excellent operating leverage and top-line scaling.
- Cost of Funds: The cost of borrowing decreased significantly by 51 basis points year-over-year to land at 7.9% in FY26, allowing the company to maintain a healthy portfolio spread of 5.8%
. - Capital Productivity: The Return on Equity (ROE) expanded to 10.6% (from 9.6%), indicating an improving return profile as the business matures.
- Controlled Delinquencies: Asset quality remains extremely resilient, with Gross Stage 3 (GNPA) at 0.87%
. This marks the third consecutive year that GNPA has stayed below the 1% threshold . - Coverage & Early Warning: The Net Stage 3 (NNPA) ratio stood at a highly conservative 0.49% against a Provision Coverage Ratio (PCR) of 123.3%
. Furthermore, the 1+ DPD (Days Past Due) metric improved from 3.06% down to 2.87% . - Collection Efficiency: Total collection efficiency (including prepayments) was highly robust at 124.3%, underscored by an entirely in-house collection framework.
- High Capital Buffer: The company's Capital to Risk (Weighted) Assets Ratio (CRAR) is 37.5%, providing massive headroom to fuel ongoing portfolio expansion without near-term capital constraints
. - Global Institutional Backing: A major institutional milestone was the $100 million (INR equivalent) funding commitment from the Asian Development Bank (ADB)
. This capital is strategically earmarked for advancing women-inclusive lending and green building certified residential units . - Rating Upgrade: The company's credit rating was upgraded by ICRA to "AA+ with a Stable outlook," a strong external validation of its improved financial profile, consistent execution, and prudent risk protocols.
Quarterly Update:
Based on the latest Q1 FY27 updates, Motilal Oswal Home Finance reported strong earnings momentum for the quarter ended June 30, 2026. Despite a challenging environment of elevated borrowing costs, the company showcased prudent cost management and a robust expansion of its loan book.
| Metric | Q1 FY26 | Q1 FY27 | YoY Change |
| Revenue from Operations | ₹234.76 Cr | ₹221.45 Cr | (5.7%) |
| Total Income | ~₹235.20 Cr | ₹221.56 Cr | (5.8%) |
| Profit Before Tax (PBT) | ₹31.99 Cr | ₹42.22 Cr | +31.9% |
| Profit After Tax (PAT) | ₹23.89 Cr | ₹32.46 Cr | +35.9% |
| Assets Under Management (AUM) | ~₹5,011 Cr | ₹6,164 Cr | +23.0% |
| Disbursements | ~₹394 Cr | ₹646 Cr | +64.0% |
Q1 FY27 Highlights:
Surge in Profitability: Despite a slight 5.8% YoY decline in total income to ₹221.56 crore, PAT surged by 35.9% YoY to ₹32.46 crore. This bottom-line growth substantially outpaced revenue, driven by disciplined operating efficiencies and lower impairment charges.
Strong AUM & Disbursement Growth: AUM grew by an impressive 23% YoY to cross the ₹6,000 crore mark (₹6,164 crore), with quarterly disbursements experiencing a massive 64% YoY increase to ₹646 crore.
Stable Asset Quality & Capital Buffer: Asset quality remained highly controlled with the Gross Stage-3 Asset ratio at 1.08% and Net Stage-3 at 0.64%. The Capital Adequacy Ratio (CRAR) remained exceptional at 37.8%, supported by a Net Worth exceeding ₹1,623 crore and a healthy Liquidity Coverage Ratio (LCR) of 175.5%.
Financial Charts of Motilal Oswal Home Finance Unlisted Shares
Balance Sheet of Motilal Oswal Home Finance Unlisted Shares
Profit and Loss of Motilal Oswal Home Finance Unlisted Shares
Ancillary of Motilal Oswal Home Finance Unlisted Shares
Ratio Analysis
Peers
Industry Benchmarking
Segment Revenue
Subsidaries
Security Allotment
Corporate Governance
Team Management Details
FAQs of Motilal Oswal Home Finance Unlisted Shares
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How to buy Motilal Oswal Home Finance Ltd.?
Below are three ways through which you can purchase Motilal Oswal Home Finance Ltd.:
- 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 Motilal Oswal Home Finance Ltd., please click on the trade button at the top of this page
- Additionally, you can download our app from your play store or app store, register on our application, and engage in active trading there.
Download the Altius App here https://onelink.to/hf4m72 - You can also reach out to us at : +91 8240614850 / +91 8240861716
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How to sell Motilal Oswal Home Finance Ltd.?
Below are three ways through which you can sell Motilal Oswal Home Finance Ltd.:
- 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 Motilal Oswal Home Finance Ltd., please click on the trade button at the top of this page
- Additionally, you can download our app from your play store or app store, register on our application, and engage in active trading there.
Download the Altius App here https://onelink.to/hf4m72 - You can also reach out to us at : +91 8240614850 / +91 8240861716
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What is the price of Motilal Oswal Home Finance Ltd.?
We provide a two way quote on all the shares we deal in. Your buy price for Motilal Oswal Home Finance Ltd. is ₹12 and your sell price for Motilal Oswal Home Finance Ltd. is ₹10. The price is based on our estimates and market conditions.
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What is the lock-in period of Motilal Oswal Home Finance Ltd.?
The lock-in period for Motilal Oswal Home Finance Ltd. varies depending on the category of investors:
- For retail Investors, HNIs, or Body Corporates, the lock-in period is 6 months from the date of the listing of Motilal Oswal Home Finance Ltd.
- For Venture Capital Funds or Foreign Venture Capital Investors, there is a lock-in period of 6 months from the date of acquisition of Motilal Oswal Home Finance Ltd.
- For AIF-II (Alternative Investment Funds - Category II), there is no lock-in period
August 2021 saw the introduction of this regulation by SEBI. The purpose of the regulation change, which lowered the lock-in period from a year to six months, was to incentivize additional investments in firms getting ready for initial public offerings, or IPOs. Since its introduction, a number of Portfolio Management Services (PMS) have advised their clients to purchase Pre-IPO shares in order to take advantage of the advantages associated with early-stage investments. This reduction in the lock-in period is considered as a significant step forward.
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How is the Motilal Oswal Home Finance Ltd. price 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.. The price is also determined from the most recent funding round for Motilal Oswal Home Finance Ltd.. This provides us with a benchmark valuation, offering a clear indication of the company's current market value as perceived by investors and industry experts.
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What are the lot sizes of Motilal Oswal Home Finance Ltd.?
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. with us kindly click here.
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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).
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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).
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Is buying Motilal Oswal Home Finance Ltd. legal in India?
Yes, buying and selling unlisted shares in India is indeed 100% legal. This activity is regulated and governed under the guidelines provided by the Securities and Exchange Board of India (SEBI). Investors and traders must adhere to these regulations and guidelines to ensure compliance with legal and financial standards. It's important for participants in the unlisted share market to be aware of and understand these regulations to engage in transactions legally and securely.
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Short-term Capital Gain taxes to be paid on Motilal Oswal Home Finance Ltd.?
When you sell unlisted shares within a period of two years from the date of acquisition, any profit earned from the sale is classified as Short-term Capital Gain (STCG). This gain is then added to your total income for that financial year. The tax on this short-term capital gain is calculated based on your applicable individual income tax slab rates. Therefore, the rate at which you will pay tax on the STCG from unlisted shares depends on your total income, including this gain, and the tax slab it falls under as per the prevailing income tax laws in India. It's important for investors to consider these tax implications when engaging in transactions involving unlisted shares.
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Long-term Capital Gain taxes to be paid on Motilal Oswal Home Finance Ltd. and how are They Taxed?
Long-term Capital Gains (LTCG) on unlisted shares in India refer to the profits earned from the sale of unlisted shares that have been held for more than two years. The key aspects of LTCG on unlisted shares include:
- Tax Rate: LTCG on unlisted shares is taxed at a rate of 20%.
- Indexation Benefit: This is a significant advantage for investors. Indexation allows for adjusting the purchase price of the shares for inflation, which can reduce the taxable gain.
- Importance for Investors: Understanding LTCG is crucial, especially for High Net-worth Individuals (HNIs) and retail investors, as it impacts their investment strategy and tax planning. Knowing these details helps in making informed investment decisions.
- Calculation: LTCG is calculated by subtracting the indexed cost of acquisition (the purchase price adjusted for inflation) from the sale price of the shares. The profit thus calculated is subject to a 20% tax.
- Applicability: LTCG tax is applicable to profits from the sale of unlisted shares held for more than two years.
- Relevance: This tax is particularly relevant to investors in the unlisted share market, including those considering selling their holdings after a period of more than two years.
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Applicability of Taxes on Motilal Oswal Home Finance Ltd. once it is listed?
When shares initially bought in the unlisted market become listed, the taxation rules change significantly if these shares are sold through a stock exchange. Here's what investors need to know:
Transition to Listed Market Tax Rates: Once unlisted shares are listed on the stock exchange and subsequently sold, the tax rates applicable to listed securities come into effect. This shift means that the favourable tax treatments for listed shares, as per the prevailing tax laws, will apply.
Taxation Based on Holding Period: The crucial factor in determining the type of capital gains tax (Long-term or Short-term) is the holding period of the shares. Importantly, this period is calculated from the original purchase date when the shares were unlisted.
Long-term vs. Short-term Capital Gains: If the shares are sold after being held for more than one year from the date of purchase (including the period when they were unlisted), they are subject to Long-term Capital Gains (LTCG) tax.
Conversely, if sold within one-year, Short-term Capital Gains (STCG) tax rates apply.
Significance for Investors: This information is vital for investors in the unlisted market, as it impacts their tax planning and decision-making process. Understanding these nuances ensures that investors can strategically plan the sale of their shares post-listing to optimize tax implications.
Advice for Investors: It's advisable for investors to keep a record of their purchase dates and monitor the listing dates closely. Additionally, staying updated with the latest tax regulations or consulting with a financial advisor is recommended for accurate tax calculations and compliance. -
How does Altius Investech source Motilal Oswal Home Finance Ltd.?
At Altius Investech, our approach to sourcing Boat Unlisted Share (Imagine Marketing) involves a strategic and direct method. Primarily, we acquire these shares from the below key groups:
Employees of the Company: Employee stock option plans (ESOPs) or other compensation packages frequently include shares for firm employees. For a various reasons, such as including portfolio diversification or financial considerations, some of these employees may eventually choose to sell their shares. We engage with these employees, providing them a platform to sell their shares.
Initial Investors: These are the angel or early-stage investors who provided capital to the business in its early stages. These original investors may look to sell all or part of their ownership position in the company as it develops and flourishes. This might be done for various reasons such as in order to maximise their investment, reallocate resources, or make other calculated financial decisions.
Funding rounds and VC funds: Altius Investech sources the shares from private placement rounds in which private companies seek to obtain capital from the market. Through our platform, venture capital funds can liquidate their shares and we receive the inventory from them when they decide to sell a portion of their ownership through block trades.
By establishing connections with these groups, Altius Investech guarantees our clients a steady and dependable supply of Boat Unlisted Share (Imagine Marketing). This process not only makes it easier for employees and initial investors in liquidating their assets, but it also gives our clients access to shares that aren't often found on the open market. Our platform effectively facilitates a win-win situation for both buyers and sellers. -
How to trust Altius Investech before buying Motilal Oswal Home Finance Ltd. from its platform?
Altius Investech stands at being India's fastest growing and leading marketplace for buying and selling unlisted shares. We believe in enabling access to alternative sources of investments at lower entry barriers to private equity investments.
With more than 25 years of experience, Altius Investech has carved a niche in the financial market by serving more than 8000 clients. The incredible journey is further highlighted by the vast number of transactions that Altius Investech has facilitated transactions that have already exceeded 300 crores.
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