https://www.friendbookmark.com/authors/9907/planify Most recent BlogU posts submitted by planify https://www.friendbookmark.com/blogpost/72023/motilal-oswal-home-finance-unlisted-share-price-financials-business-model-amp-growth-analysisMotilal Oswal Home Finance Unlisted Share Price Overview<o:p></o:p>Motilal Oswal Home Finance Limited (MOHFL) operatesas a housing finance company in India. The company focuses on affordable homeloans and property financing solutions.<o:p></o:p>As of March 06, 2026, the Motilal Oswal HomeFinance unlisted share price stands at ₹11.72 per share. The facevalue of each share remains ₹1.00.<o:p></o:p>Moreover, the lot size for trading in the unlistedmarket is 5,000 shares. Investors often track price movements closelybefore buying unlisted equity.<o:p></o:p>The 52-week high for the stock reached ₹18.Meanwhile, the 52-week low dropped to ₹11. These fluctuationsreflect changing demand in the unlisted share market.<o:p></o:p>Furthermore, the average traded price recentlyremained around ₹13.54 per share. Therefore, investors evaluatevaluation metrics before entering the market.<o:p></o:p><o:p> </o:p>Motilal Oswal Home Finance Company Snapshot<o:p></o:p>MotilalOswal Home Finance Limited is a subsidiary of Motilal OswalFinancial Services Limited. The company was established on October 1,2013.<o:p></o:p>Earlier, the organization operated under the name AspireHome Finance Corporation Limited. Later, it rebranded under the MotilalOswal group.<o:p></o:p>The company operates from its registered office in Mumbai.In addition, it maintains a strong presence across multiple states in India.<o:p></o:p>Currently, the company operates across 11 statescovering Western, North-Central, and Southern India. Its branch networkcontinues expanding steadily.<o:p></o:p>Furthermore, MOHFL remains registered with the NationalHousing Bank (NHB). This registration ensures regulatory oversight in thehousing finance sector.<o:p></o:p><o:p> </o:p>Motilal Oswal Home Finance Unlisted Share Price Key Details<o:p></o:p>Investors closely review financial metrics before buyingunlisted shares. Below are the essential financial statistics of the company.<o:p></o:p> ISIN: INE658R01011<o:p></o:p> Face Value: ₹1<o:p></o:p> Total Shares: 6,05,39,25,379<o:p></o:p> Total Income: ₹382.42 Cr<o:p></o:p> Profit After Tax: ₹130.26 Cr<o:p></o:p> EPS: ₹0.22<o:p></o:p> P/E Ratio: 53.27<o:p></o:p> P/B Ratio: 5.23<o:p></o:p>Additionally, valuation indicators show the followinginsights:<o:p></o:p> Market Capitalisation: ₹7,095.2 Cr<o:p></o:p> Enterprise Value: ₹10,195.72 Cr<o:p></o:p> Book Value: ₹2.24<o:p></o:p> Intrinsic Value: ₹3.17<o:p></o:p> Earnings Yield: 1.88%<o:p></o:p>These numbers provide clarity regarding the company's marketvaluation.<o:p></o:p><o:p> </o:p>Assets Under Management and Financial Performance<o:p></o:p>Motilal Oswal Home Finance maintains a growing loanportfolio. The company focuses strongly on affordable housing loans.<o:p></o:p>The Assets Under Management (AUM) currently stand at ₹4,878crore. Furthermore, the AUM growth rate reached 19.73%recently.<o:p></o:p>However, operational cash flow remains under pressure.<o:p></o:p> Cashflow from Operations: -₹569.1 Cr<o:p></o:p> Cashflow from Financing: ₹718.7 Cr<o:p></o:p>Despite negative operating cash flow, financing activitiescontinue supporting growth.<o:p></o:p><o:p> </o:p>Motilal Oswal Home Finance Growth Performance<o:p></o:p>Growth metrics reveal long-term operational trends.Investors frequently analyze these numbers.<o:p></o:p>Compounded Sales Growth<o:p></o:p> 1 Year: 17.04%<o:p></o:p> 4 Year: 9.57%<o:p></o:p> 9 Year: 13.96%<o:p></o:p>Sales growth remains stable across multiple cycles.<o:p></o:p>Compounded Profit Growth<o:p></o:p> 1 Year: -2.22%<o:p></o:p> 4 Year: 34.14%<o:p></o:p> 9 Year: 14.02%<o:p></o:p>Profit volatility reflects credit cycle fluctuations.<o:p></o:p>Return on Equity<o:p></o:p> 2019: -16.84%<o:p></o:p> 2020: 4.61%<o:p></o:p> 2021: 4.53%<o:p></o:p>Return on equity gradually improved after earlier negativeperformance.<o:p></o:p>Stock Price CAGR<o:p></o:p> 1 Year: 0%<o:p></o:p> 2 Year: -7.34%<o:p></o:p> 3 Year: 11.52%<o:p></o:p>Therefore, long-term investors evaluate price trendscarefully.<o:p></o:p><o:p> </o:p>Motilal Oswal Home Finance Business Model<o:p></o:p>Motilal Oswal Home Finance focuses primarily on housingloans. Its business model revolves around affordable housing financing.<o:p></o:p>The company offers several lending products.<o:p></o:p>Home Loan Products<o:p></o:p> Home purchase loans<o:p></o:p> Construction loans<o:p></o:p> Home improvement loans<o:p></o:p> Home extension loans<o:p></o:p> PMAY housing loans<o:p></o:p>These loan categories support different housingrequirements.<o:p></o:p>Other Financial Services<o:p></o:p>In addition, the company provides several related services.<o:p></o:p> Loan against property<o:p></o:p> Real estate advisory<o:p></o:p> Property market intelligence<o:p></o:p> Tenant sourcing services<o:p></o:p> Real estate consultancy<o:p></o:p>These services strengthen customer engagement.<o:p></o:p><o:p> </o:p>Motilal Oswal Home Finance Revenue Streams<o:p></o:p>The company generates revenue through multiple financialchannels.<o:p></o:p>Major revenue sources include:<o:p></o:p> Interest income from housing loans<o:p></o:p> Fees and processing charges<o:p></o:p> Other financial income<o:p></o:p> Net gains on fair value changes<o:p></o:p>Interest income continues to dominate revenue contributions.<o:p></o:p><o:p> </o:p>Motilal Oswal Home Finance Funding History<o:p></o:p>The company has received institutional funding in the past.<o:p></o:p>One major funding transaction occurred in July 2016.<o:p></o:p> Investor: International Finance Corporation<o:p></o:p> Investment Amount: ₹100 crore<o:p></o:p> Funding Type: Debt funding<o:p></o:p> Instrument: Non-Convertible Debentures<o:p></o:p>This funding supported expansion and operational growth.<o:p></o:p><o:p> </o:p>Motilal Oswal Home Finance Acquisition Activity<o:p></o:p>The company also executed strategic asset restructuring.<o:p></o:p>On September 30, 2019, Phoenix ARC Private Limitedacquired a pool of non-performing assets.<o:p></o:p> NPA Value: ₹5400 million<o:p></o:p> Acquisition Value: ₹2600 million<o:p></o:p>This transaction helped reduce stressed assets on thebalance sheet.<o:p></o:p><o:p> </o:p>Motilal Oswal Home Finance Awards and Recognition<o:p></o:p>Motilal Oswal Home Finance received several industry awards.<o:p></o:p>These awards recognize operational excellence andinnovation.<o:p></o:p>Major recognitions include:<o:p></o:p> Digital Excellence in Urban Finance Award (2019)<o:p></o:p> Customer Excellence Award â India CX Summit (2019)<o:p></o:p> Innovative Marketing Practices Award (2017)<o:p></o:p> Innovative Product and Services Award (2017)<o:p></o:p>These achievements highlight the companyâs strongcustomer-centric approach.<o:p></o:p><o:p> </o:p>Strengths of Motilal Oswal Home Finance<o:p></o:p>Several operational strengths support the companyâs businessgrowth.<o:p></o:p>Strong Market Position<o:p></o:p>MOHFL leverages the powerful Motilal Oswal brand.Therefore, customer trust remains strong.<o:p></o:p>Affordable Housing Focus<o:p></o:p>The company specializes in affordable housing loans.This segment continues expanding rapidly.<o:p></o:p>Healthy Asset Quality<o:p></o:p>The company maintains disciplined credit management.<o:p></o:p> Gross NPA: 0.9%<o:p></o:p> Net NPA: 0.4%<o:p></o:p>These ratios indicate strong risk management.<o:p></o:p>Digital Technology Adoption<o:p></o:p>MOHFL implemented digital platforms like:<o:p></o:p> Loan Origination System (LOS)<o:p></o:p> Loan Management System (LMS)<o:p></o:p>These tools improve operational efficiency significantly.<o:p></o:p>Strong Capital Adequacy<o:p></o:p>The company maintains a capital adequacy ratio of 51%.Consequently, it has a strong financial cushion.<o:p></o:p><o:p> </o:p>Challenges Facing Motilal Oswal Home Finance<o:p></o:p>Despite strengths, the company faces several challenges.<o:p></o:p>Limited Scale<o:p></o:p>The loan book remains smaller compared to large housingfinance companies.<o:p></o:p>Dependence on Affordable Housing<o:p></o:p>Heavy reliance on affordable housing creates demand risks.<o:p></o:p>Limited Product Diversification<o:p></o:p>The company offers fewer non-housing financial products.<o:p></o:p><o:p> </o:p>Opportunities for Future Growth<o:p></o:p>Several opportunities could drive future expansion.<o:p></o:p>Growing Housing Demand<o:p></o:p>Indiaâs mortgage-to-GDP ratio remains near 12%.Therefore, housing credit demand may expand significantly.<o:p></o:p>Expansion into Tier-2 and Tier-3 Cities<o:p></o:p>Urbanization continues increasing housing demand in smallercities.<o:p></o:p>Technology-Driven Lending<o:p></o:p>Advanced analytics and AI can improve credit assessment.<o:p></o:p>Co-Lending Partnerships<o:p></o:p>Partnerships with fintech platforms may expand customerreach.<o:p></o:p><o:p> </o:p>Potential Risks for Investors<o:p></o:p>Investors should also consider potential risks.<o:p></o:p> Rising competition from banks<o:p></o:p> Interest rate volatility<o:p></o:p> Regulatory policy changes<o:p></o:p> Dependence on government housing schemes<o:p></o:p>Therefore, careful evaluation remains essential beforeinvesting.<o:p></o:p><o:p> </o:p>Motilal Oswal Home Finance IPO Status<o:p></o:p>As of February 2022, Motilal Oswal Home Financehad no confirmed IPO plans.<o:p></o:p>The company remains privately traded in the unlistedshare market.<o:p></o:p>However, investors still monitor the company closely for apotential future IPO announcement.<o:p></o:p><o:p> </o:p>Conclusion<o:p></o:p>Motilal Oswal Home Finance Limited continuesoperating as a niche player in the affordable housing finance sector.The company leverages the strong reputation of the Motilal Oswal groupwhile expanding its lending portfolio.<o:p></o:p>Although profitability remains moderate, the companydemonstrates stable growth in assets under management and loandistribution. Furthermore, strong capital adequacy and disciplined assetquality support long-term stability.<o:p></o:p>Investors interested in Motilal Oswal Home Financeunlisted shares should analyze financial metrics, valuation ratios, andindustry trends carefully. The affordable housing sector in India offersstrong long-term potential, which could drive future growth for the company.<o:p></o:p><o:p> </o:p>