Motilal Oswal Home Finance Ltd
-30.43 % 1 MAbout Motilal Oswal Home Finance Ltd
A Comprehensive Overview of Price & Journey
Understanding Motilal Oswal Home Finance Ltd Inception and Growth
Motilal Oswal Home Finance Ltd is an unlisted company trading in the private market. Unlike listed companies, the valuation and Motilal Oswal Home Finance Limited Unlisted Share Price of unlisted or Pre-IPO companies are determined via negotiation and demand & supply. Motilal Oswal Home Finance Ltd. is an unlisted share.
Investors looking for diversification of their portfolio should carefully analyze the Motilal Oswal Home Finance Limited Unlisted Share Price, valuation, and research report for the latest year. This is the comprehensive coverage of the unlisted shares of Motilal Oswal Home Finance Ltd that answers simple questions of investors, such as how to buy unlisted/pre-IPO shares of Motilal Oswal Home Finance Ltd, what Motilal Oswal Home Finance Ltd does, and How Motilal Oswal Home Finance Unlisted Share Price has performed in recent years.
Background
The Motilal Oswal Group was established in 1987 by two visionary promoters, Motilal Oswal and Raamdeo Agrawal. The Company entered business as a small sub-broking unit, emphasizing a customer-first approach, ethical practices, professionalism, and research-based value investing.
Overview
Motilal Oswal Home Finance Limited is a financing company, basically a Housing Finance Company, which was established on 1 October 2013. The company has a focus on the business of financial inclusion of middle and lower-income families by offering them different types of home loans according to their preferences. Home loans are provided by the company to families and individuals for construction, purchase, renovation, extension, or any other thing related to the home.
Motilal Oswal Home Finance Unlisted Share Price is a well-diversified financial services company focused on wealth creation for all its customers, such as institutional, corporate, HNI, and retail. Motilal Oswal Home Finance, a subsidiary of Motilal Oswal Financial Services Limited (MOFLS), works on the business philosophy of financial inclusion of lower- and middle-income (LMI) Indian families by providing them access to long-term housing finance.
Motilal Oswal Home Finance Limited (MOHFL) was formerly known as Aspire Home Finance Corporation Limited. As per the credit rating report, the company offers housing loans to customers in the low and middle-income groups. It is a part of the Motilal Oswal Group. It has a vast network of 111 branches in Andhra Pradesh, Chhattisgarh, Gujarat, Haryana, Delhi, Karnataka, Madhya Pradesh, Maharashtra, Rajasthan, Tamil Nadu, and Telangana.
Products and Services
- Home Purchase Loan
- Construction Loan
- Home Improvement Loan
- Home Extension Loan
- Loan Against Property
- Home Finance
- Retail Booking & Distribution
- Institutional Equities
- Private Equity
- Private Equity Wealth Management
- Investment Banking
- Asset Management
Timeline
2014
- Commencement of Business operations post receiving Certificate of Registration dated May 19, 2014 from the National Housing Bank.
- The first disbursement was booked in June 2014 at the Akola branch.
- Loan book crosses `50 crore
- Rated “A/Stable” by CRISIL for `100 crore of NCDs.
- Rated A1+ by ICRA for `50 crore of CPs.
- First term loan drawdown
2015
- Presence across 14 locations
- Total staff: 160 employees
- Loan book at ` 357 crore with 3,565 live accounts
- CRISIL upgrades rating for long-term borrowings from "A/Stable" to "A+/Stable."
2016
- Awarded “Finnoviti 2016” for the MALA program
- Rating Upgrade by ICRA to AA- Loan Book at `2,088 crore with 20,935 live accounts
- Present at 51 locations with a Staff Count of 500.
- Received the Fast 50 Brands 2016 award by WCRC.
- Presence extended to 62 Locations with a staff count of more than 600.
- Loan book of `2,492 crore and 25,134 live accounts.
2017
- Awarded second prize for Best Performing Primary Lending Institution under CLSS for EWS/LIG by the Ministry of Housing and Urban Poverty Alleviation.
- Awarded “The Innovative Marketing Practices Award” & the Innovative Product and Services Award” at the 7th National Conference and Game Changers Awards, 2017.
- Expanded to 6 new states with a presence of 121 locations with a staff count of 1,049.
- Provided subsidy to 1,348 customers cumulatively under the CLSS scheme of PMAY
- Loan book of `4,165 crore with 46,142 live accounts
2018
- Collection and legal team in place, 4,863 crore loan book
- Capital infusion by MOFSL of `150 crore
2019
- Name changed from Aspire Home Finance to ‘Motilal Oswal Home Finance’ with effect from 28th May 2019
- Majority of stress recognition and higher provisioning done.
- Awarded the Customer Excellence Award at the India CX SUMMIT & AWARDS, 2019.
- Awarded “Digital Excellence in Urban Finance” at the Digital Customer Excellence Awards, 2019.
- Loan book of ` 4,357 crore with 52,000+ live accounts.
- Capital Infusion of `200 crore in FY19, taking the total cumulative Capital Infusion to `850 crore.
2020
- CRISIL has upgraded MOHFL’s rating to AA- (stable outlook) from earlier A+ (stable) based on several positive changes undertaken.
- Sold NPA pool to ARC resulting into significant reduction in NPAs
- MOHFL has shifted to in-house developed software called “Loan Origination System” (LOS) and “Loan Management System” (LMS).
- Able to execute a “Business Continuity Plan” in tough times like lockdown with limited impact on business.
- A management team with senior leaders having rich experience and expertise is in place.
- Profitability is back in FY20 after taking one-time provisioning hit in FY19
- Liability mobilization at competitive rates
2021
- Strong PAT growth of 73% YoY (excl. one-time tax impact)
- Received first refinance from NHB
- Completed first securitization transaction through the PTC route
- Launched Digital MO Partner app for onboarding partners
- Launched PMAY Portal
- Collection team of 500+ members along with a robust legal team
2022
- Strong pick-up in disbursements, traction in the login/sanction pipeline, expansion in sales force, diversification of liability franchisee, and sharp reduction in the cost of funds.
- Rating upgrade/assign by CRISIL/India Ratings.
- Highest ever PAT recorded in FY22 at `95 crore registering a growth of 136% YoY.
- Expanded presence in Northern India by entering into 3 new states/UTs
- Incremental COF at 7% in FY22 led by long-term diversified liabilities
- Joined hands with U.S. Development Finance Corporation, the world’s largest development finance institution, and has received commitment of USD 50 mn.
- Completed first direct assignment transaction.
2023
- Highest Ever PAT of `136 crore, up 44% YoY
- Disbursement crossed `1,000 crore mark
- Rating upgraded by ICRA to AA/Stable from AA-/Stable
- Presence expanded to 109 locations across 12 States/UTs
2024
- A management team with senior leaders having rich experience and expertise is in place.
- Expanded our Salesforce by 2x, plan to double this in FY25
- Disbursement crossed `1,000 crore for the second consecutive year
- A Total number of branches stood at 110 across 12 States/UTs.
- Robust Asset Quality with a Net NPA of 0.4%
Business Model
Brokerage fee income
It is recognized on a trade date basis by the terms of the contract and is exclusive of goods and service tax and securities transaction tax (STT) wherever applicable.
Research and advisory income
Research and advisory income are accounted for on an accrual basis in accordance with the terms of the respective agreements entered into between the Company and the counterparty.
Interest income
Interest income on a financial asset at amortized cost is recognized on a time proportion basis, taking into account the amount outstanding and the effective interest rate (‘EIR’). The EIR is the rate that exactly discounts estimated future cash flows of the financial assets through the expected life of the financial asset or, where appropriate, a shorter period, to the net carrying amount of the financial instrument.
Investment advisory fees
Performance obligations are satisfied over a period of time, and the investment advisory fee is recognized on a monthly basis in accordance with the terms of the contract with the clients.
Dividend income
Dividend income is recognized in the Statement of profit and loss on the date that the Company's right to receive payment is established, it is probable that the economic benefits associated with the dividend will flow to the entity, and the amount of the dividend can be reliably measured. This is generally when the shareholders approve the dividend.
Portfolio management commission income
Portfolio management commissions are recognized on an accrual basis in accordance with the terms of the agreement entered with the asset management company.
Depository services income
Revenue from depository services on account of annual maintenance charges has been accounted for throughout the performance obligation.
Competitors
- Aditya Birla Capital Ltd.
- Baid FinServ Ltd.
- Bajaj FinServ Ltd.
- Capri Global Capital Ltd.
- Centrum Capital Ltd.
- IIFL Finance Ltd. INDINL
- Industrial Investment Trust Ltd.
- Jio Financial Services Ltd.
- L&T Finance Ltd.
- Mas Financial Services Ltd.
Subsidiaries
a) Direct Subsidiaries
- Motilal Oswal Commodities Broker Private Limited
- Motilal Oswal Investment Advisors Limited
- MO Alternate Investment Private Limited
- Motilal Oswal Finvest Limited
- Motilal Oswal Wealth Management Limited
- Motilal Oswal Asset Management Company Limited
- Motilal Oswal Trustee Company Limited
- Motilal Oswal Securities International Private Limited
- Motilal Oswal Capital Markets (Singapore) Pte. Limited.
- Motilal Oswal Capital Markets (Hong Kong) Private Limited
- Motilal Oswal Home Finance Limited
- Motilal Oswal Finsec IFSC Limited
- Motilal Oswal Broking & Distribution Limited (Formerly known as Glide Tech Investment Advisory Private Limited)
- TM Investment Technologies Private Limited
- MO Alternative IFSC Limited
b) Step-down Subsidiaries
- India Business Excellence Management Company
- Motilal Oswal Asset Management (Mauritius) Limited
- Motilal Oswal Capital Limited
c) Associate Enterprise
-
India Reality Excellence Fund II LLP
Key Highlights
- Total number of external wealth managers: 8,010 in 550+ cities, covering 98% of India’s postal codes
- Launched seven mutual schemes, including a Small Cap Fund, Nifty 500 Index Fund, and Nifty Micro Cap Fund, among others.
- It has become one of the highest shares of Alternate assets (PMS and AIF) at 32% among AMCs
- Assets under management & advice: Rs. 3.8 Lakh Crore
- Equity research coverage: Over 250 companies
- Achieved 70 Lakh Our customer base:
- People strength: 11,290
Performance Highlights for FY 2023-24
- The housing finance business reported a PAT of Rs. 132 Crore in FY 2023-24.
- Its AMC AUM of Rs. 71,810 Crore as of March 2024.
- Reported a wealth AUM of an all-time high at Rs. 123,989 crore, up 72% YoY.
- Recorded the highest net sales at Rs. 5,800 Crore, up 8% YoY.
- It added a net 177 relationship managers, taking the total to 584.
- Disbursed Rs. 1,018 Crore backed by a strong sales relationship manager force.
- Its Loan book grew by 6% YoY to Rs. 4,048 Crore.
- The consolidated revenues for the year were Rs. 713,052 Lakhs for the year under review, an increase of 70% as compared to the previous year.
- GNPA and NNPA of 0.9% and 0.4%, respectively.
- Capital market business (Broking + IB) income grew 37% YoY to H3,235 Crore.
- The Company had 42 lakh retail broking and distribution clients growing at a CAGR of 29% from FY 2018-19 to FY 2023-24
- Client acquisition stood at 6.2 Lakhs during the year.
- Financial product distribution AUM was Rs.27,038 Crore as of March 2024, up 27% YoY.
Registered Office
The registered office of Motilal Oswal Home Finance Ltd is in Motilal Oswal Tower, Mumbai, Maharashtra, India.
Dividend Details
The Board of Directors announced the dividend of Rs. 14 per share for the year ended 31st March 2024.
IPO Details
As of now, the company has not provided any information regarding the Initial Public Offering (IPO) or any filings.
Initiatives
- Technological advancements
- Regulatory compliance and risk management
- Distribution capabilities
- Product diversification
- Built infrastructure
- Advisory capabilities
- Research and analysis
- Financial services
Motilal Oswal Home Finance Share Price & Market Info
Investors tend to closely monitor the Motilal Oswal Home Finance share price to measure the company's performance within the financial markets. For real-time information, Motilal Oswal Home Finance's share price today may be monitored on financial websites like ours. As of today, Motilal Oswal Home Finance continues to be an unlisted firm, and potential investors can also check the Motilal Oswal Home Finance unlisted share price today to stay updated about its possible market value.
The business model of the company, which was based on catering to the housing requirements of LMI families, helped it become successful and grow. Once publicly listed, many are curious to see how the Motilal Oswal Home Finance share price will perform on the stock market.
Industry
The AUM of the Indian MF Industry has grown from Rs. 9.16 trillion (US$ 110.63 billion) in 2014, to Rs. 54.54 trillion (US$ 658.72 billion) in 2024, growing 6x in 10 years.
The investment corpus in the Indian insurance sector might rise to US$ 1 trillion by 2025.
With more than 2,100 fintechs operating currently, India is positioned to become one of the largest digital markets with rapid expansion of mobile and internet.
India is one of the world's fastest-growing fintech markets, with an estimated value of US\$110 billion in 2024 and projected to reach US\$420 billion by 2029. As of July 2024, India has more than 2,100 fintechs operating, and digital payments increased by 76% in transactions and 91% in value in 2022. In February 2024, the Unified Payments Interface (UPI) recorded 12.10 billion transactions, and in May 2024, it reached a record 14.03 billion transactions.
In August 2024, the value of loans in India increased 13.6% compared to the same month in 2023. From 2012 to 2024, loan growth averaged 11.83%, with a record high of 20.8% in December 2023 and a record low of 4.1% in March 2017.
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Motilal Oswal Home Finance Ltd is an unlisted company trading in the private market. Unlike listed companies, the valuation and Motilal Oswal Home Finance Limited Unlisted Share Price of unlisted or Pre-IPO companies are determined via negotiation and demand & supply. Motilal Oswal Home Finance Ltd. is an unlisted share.
Investors looking for diversification of their portfolio should carefully analyze the Motilal Oswal Home Finance Limited Unlisted Share Price, valuation, and research report for the latest year. This is the comprehensive coverage of the unlisted shares of Motilal Oswal Home Finance Ltd that answers simple questions of investors, such as how to buy unlisted/pre-IPO shares of Motilal Oswal Home Finance Ltd, what Motilal Oswal Home Finance Ltd does, and How Motilal Oswal Home Finance Unlisted Share Price has performed in recent years.
Background
The Motilal Oswal Group was established in 1987 by two visionary promoters, Motilal Oswal and Raamdeo Agrawal. The Company entered business as a small sub-broking unit, emphasizing a customer-first approach, ethical practices, professionalism, and research-based value investing.
Overview
Motilal Oswal Home Finance Limited is a financing company, basically a Housing Finance Company, which was established on 1 October 2013. The company has a focus on the business of financial inclusion of middle and lower-income families by offering them different types of home loans according to their preferences. Home loans are provided by the company to families and individuals for construction, purchase, renovation, extension, or any other thing related to the home.
Motilal Oswal Home Finance Unlisted Share Price is a well-diversified financial services company focused on wealth creation for all its customers, such as institutional, corporate, HNI, and retail. Motilal Oswal Home Finance, a subsidiary of Motilal Oswal Financial Services Limited (MOFLS), works on the business philosophy of financial inclusion of lower- and middle-income (LMI) Indian families by providing them access to long-term housing finance.
Motilal Oswal Home Finance Limited (MOHFL) was formerly known as Aspire Home Finance Corporation Limited. As per the credit rating report, the company offers housing loans to customers in the low and middle-income groups. It is a part of the Motilal Oswal Group. It has a vast network of 111 branches in Andhra Pradesh, Chhattisgarh, Gujarat, Haryana, Delhi, Karnataka, Madhya Pradesh, Maharashtra, Rajasthan, Tamil Nadu, and Telangana.
Products and Services
- Home Purchase Loan
- Construction Loan
- Home Improvement Loan
- Home Extension Loan
- Loan Against Property
- Home Finance
- Retail Booking & Distribution
- Institutional Equities
- Private Equity
- Private Equity Wealth Management
- Investment Banking
- Asset Management
Timeline
2014
- Commencement of Business operations post receiving Certificate of Registration dated May 19, 2014 from the National Housing Bank.
- The first disbursement was booked in June 2014 at the Akola branch.
- Loan book crosses `50 crore
- Rated “A/Stable” by CRISIL for `100 crore of NCDs.
- Rated A1+ by ICRA for `50 crore of CPs.
- First term loan drawdown
2015
- Presence across 14 locations
- Total staff: 160 employees
- Loan book at ` 357 crore with 3,565 live accounts
- CRISIL upgrades rating for long-term borrowings from "A/Stable" to "A+/Stable."
2016
- Awarded “Finnoviti 2016” for the MALA program
- Rating Upgrade by ICRA to AA- Loan Book at `2,088 crore with 20,935 live accounts
- Present at 51 locations with a Staff Count of 500.
- Received the Fast 50 Brands 2016 award by WCRC.
- Presence extended to 62 Locations with a staff count of more than 600.
- Loan book of `2,492 crore and 25,134 live accounts.
2017
- Awarded second prize for Best Performing Primary Lending Institution under CLSS for EWS/LIG by the Ministry of Housing and Urban Poverty Alleviation.
- Awarded “The Innovative Marketing Practices Award” & the Innovative Product and Services Award” at the 7th National Conference and Game Changers Awards, 2017.
- Expanded to 6 new states with a presence of 121 locations with a staff count of 1,049.
- Provided subsidy to 1,348 customers cumulatively under the CLSS scheme of PMAY
- Loan book of `4,165 crore with 46,142 live accounts
2018
- Collection and legal team in place, 4,863 crore loan book
- Capital infusion by MOFSL of `150 crore
2019
- Name changed from Aspire Home Finance to ‘Motilal Oswal Home Finance’ with effect from 28th May 2019
- Majority of stress recognition and higher provisioning done.
- Awarded the Customer Excellence Award at the India CX SUMMIT & AWARDS, 2019.
- Awarded “Digital Excellence in Urban Finance” at the Digital Customer Excellence Awards, 2019.
- Loan book of ` 4,357 crore with 52,000+ live accounts.
- Capital Infusion of `200 crore in FY19, taking the total cumulative Capital Infusion to `850 crore.
2020
- CRISIL has upgraded MOHFL’s rating to AA- (stable outlook) from earlier A+ (stable) based on several positive changes undertaken.
- Sold NPA pool to ARC resulting into significant reduction in NPAs
- MOHFL has shifted to in-house developed software called “Loan Origination System” (LOS) and “Loan Management System” (LMS).
- Able to execute a “Business Continuity Plan” in tough times like lockdown with limited impact on business.
- A management team with senior leaders having rich experience and expertise is in place.
- Profitability is back in FY20 after taking one-time provisioning hit in FY19
- Liability mobilization at competitive rates
2021
- Strong PAT growth of 73% YoY (excl. one-time tax impact)
- Received first refinance from NHB
- Completed first securitization transaction through the PTC route
- Launched Digital MO Partner app for onboarding partners
- Launched PMAY Portal
- Collection team of 500+ members along with a robust legal team
2022
- Strong pick-up in disbursements, traction in the login/sanction pipeline, expansion in sales force, diversification of liability franchisee, and sharp reduction in the cost of funds.
- Rating upgrade/assign by CRISIL/India Ratings.
- Highest ever PAT recorded in FY22 at `95 crore registering a growth of 136% YoY.
- Expanded presence in Northern India by entering into 3 new states/UTs
- Incremental COF at 7% in FY22 led by long-term diversified liabilities
- Joined hands with U.S. Development Finance Corporation, the world’s largest development finance institution, and has received commitment of USD 50 mn.
- Completed first direct assignment transaction.
2023
- Highest Ever PAT of `136 crore, up 44% YoY
- Disbursement crossed `1,000 crore mark
- Rating upgraded by ICRA to AA/Stable from AA-/Stable
- Presence expanded to 109 locations across 12 States/UTs
2024
- A management team with senior leaders having rich experience and expertise is in place.
- Expanded our Salesforce by 2x, plan to double this in FY25
- Disbursement crossed `1,000 crore for the second consecutive year
- A Total number of branches stood at 110 across 12 States/UTs.
- Robust Asset Quality with a Net NPA of 0.4%
Business Model
Brokerage fee income
It is recognized on a trade date basis by the terms of the contract and is exclusive of goods and service tax and securities transaction tax (STT) wherever applicable.
Research and advisory income
Research and advisory income are accounted for on an accrual basis in accordance with the terms of the respective agreements entered into between the Company and the counterparty.
Interest income
Interest income on a financial asset at amortized cost is recognized on a time proportion basis, taking into account the amount outstanding and the effective interest rate (‘EIR’). The EIR is the rate that exactly discounts estimated future cash flows of the financial assets through the expected life of the financial asset or, where appropriate, a shorter period, to the net carrying amount of the financial instrument.
Investment advisory fees
Performance obligations are satisfied over a period of time, and the investment advisory fee is recognized on a monthly basis in accordance with the terms of the contract with the clients.
Dividend income
Dividend income is recognized in the Statement of profit and loss on the date that the Company's right to receive payment is established, it is probable that the economic benefits associated with the dividend will flow to the entity, and the amount of the dividend can be reliably measured. This is generally when the shareholders approve the dividend.
Portfolio management commission income
Portfolio management commissions are recognized on an accrual basis in accordance with the terms of the agreement entered with the asset management company.
Depository services income
Revenue from depository services on account of annual maintenance charges has been accounted for throughout the performance obligation.
Competitors
- Aditya Birla Capital Ltd.
- Baid FinServ Ltd.
- Bajaj FinServ Ltd.
- Capri Global Capital Ltd.
- Centrum Capital Ltd.
- IIFL Finance Ltd. INDINL
- Industrial Investment Trust Ltd.
- Jio Financial Services Ltd.
- L&T Finance Ltd.
- Mas Financial Services Ltd.
Subsidiaries
a) Direct Subsidiaries
- Motilal Oswal Commodities Broker Private Limited
- Motilal Oswal Investment Advisors Limited
- MO Alternate Investment Private Limited
- Motilal Oswal Finvest Limited
- Motilal Oswal Wealth Management Limited
- Motilal Oswal Asset Management Company Limited
- Motilal Oswal Trustee Company Limited
- Motilal Oswal Securities International Private Limited
- Motilal Oswal Capital Markets (Singapore) Pte. Limited.
- Motilal Oswal Capital Markets (Hong Kong) Private Limited
- Motilal Oswal Home Finance Limited
- Motilal Oswal Finsec IFSC Limited
- Motilal Oswal Broking & Distribution Limited (Formerly known as Glide Tech Investment Advisory Private Limited)
- TM Investment Technologies Private Limited
- MO Alternative IFSC Limited
b) Step-down Subsidiaries
- India Business Excellence Management Company
- Motilal Oswal Asset Management (Mauritius) Limited
- Motilal Oswal Capital Limited
c) Associate Enterprise
-
India Reality Excellence Fund II LLP
Key Highlights
- Total number of external wealth managers: 8,010 in 550+ cities, covering 98% of India’s postal codes
- Launched seven mutual schemes, including a Small Cap Fund, Nifty 500 Index Fund, and Nifty Micro Cap Fund, among others.
- It has become one of the highest shares of Alternate assets (PMS and AIF) at 32% among AMCs
- Assets under management & advice: Rs. 3.8 Lakh Crore
- Equity research coverage: Over 250 companies
- Achieved 70 Lakh Our customer base:
- People strength: 11,290
Performance Highlights for FY 2023-24
- The housing finance business reported a PAT of Rs. 132 Crore in FY 2023-24.
- Its AMC AUM of Rs. 71,810 Crore as of March 2024.
- Reported a wealth AUM of an all-time high at Rs. 123,989 crore, up 72% YoY.
- Recorded the highest net sales at Rs. 5,800 Crore, up 8% YoY.
- It added a net 177 relationship managers, taking the total to 584.
- Disbursed Rs. 1,018 Crore backed by a strong sales relationship manager force.
- Its Loan book grew by 6% YoY to Rs. 4,048 Crore.
- The consolidated revenues for the year were Rs. 713,052 Lakhs for the year under review, an increase of 70% as compared to the previous year.
- GNPA and NNPA of 0.9% and 0.4%, respectively.
- Capital market business (Broking + IB) income grew 37% YoY to H3,235 Crore.
- The Company had 42 lakh retail broking and distribution clients growing at a CAGR of 29% from FY 2018-19 to FY 2023-24
- Client acquisition stood at 6.2 Lakhs during the year.
- Financial product distribution AUM was Rs.27,038 Crore as of March 2024, up 27% YoY.
Registered Office
The registered office of Motilal Oswal Home Finance Ltd is in Motilal Oswal Tower, Mumbai, Maharashtra, India.
Dividend Details
The Board of Directors announced the dividend of Rs. 14 per share for the year ended 31st March 2024.
IPO Details
As of now, the company has not provided any information regarding the Initial Public Offering (IPO) or any filings.
Initiatives
- Technological advancements
- Regulatory compliance and risk management
- Distribution capabilities
- Product diversification
- Built infrastructure
- Advisory capabilities
- Research and analysis
- Financial services
Motilal Oswal Home Finance Share Price & Market Info
Investors tend to closely monitor the Motilal Oswal Home Finance share price to measure the company's performance within the financial markets. For real-time information, Motilal Oswal Home Finance's share price today may be monitored on financial websites like ours. As of today, Motilal Oswal Home Finance continues to be an unlisted firm, and potential investors can also check the Motilal Oswal Home Finance unlisted share price today to stay updated about its possible market value.
The business model of the company, which was based on catering to the housing requirements of LMI families, helped it become successful and grow. Once publicly listed, many are curious to see how the Motilal Oswal Home Finance share price will perform on the stock market.
Industry
The AUM of the Indian MF Industry has grown from Rs. 9.16 trillion (US$ 110.63 billion) in 2014, to Rs. 54.54 trillion (US$ 658.72 billion) in 2024, growing 6x in 10 years.
The investment corpus in the Indian insurance sector might rise to US$ 1 trillion by 2025.
With more than 2,100 fintechs operating currently, India is positioned to become one of the largest digital markets with rapid expansion of mobile and internet.
India is one of the world's fastest-growing fintech markets, with an estimated value of US\$110 billion in 2024 and projected to reach US\$420 billion by 2029. As of July 2024, India has more than 2,100 fintechs operating, and digital payments increased by 76% in transactions and 91% in value in 2022. In February 2024, the Unified Payments Interface (UPI) recorded 12.10 billion transactions, and in May 2024, it reached a record 14.03 billion transactions.
In August 2024, the value of loans in India increased 13.6% compared to the same month in 2023. From 2012 to 2024, loan growth averaged 11.83%, with a record high of 20.8% in December 2023 and a record low of 4.1% in March 2017.
About Motilal Oswal Home Finance Ltd
IPO Details, Price movement
Board of Directors
- Raamdeo Agrawal, Non-Executive Chairman
- Motilal Oswal, Managing Director & Chief Executive Officer
- Navin Agarwal, Managing Director
- Ajay Kumar Menon, CEO, Broking & Distribution Business, Whole-time Director, MOFSL
- Rajat Rajgarhia, CEO, Institutional Equities Business, Whole-time Director, MOFSL
- C. N. Murthy, Independent Director
- Chandrashekhar Karnik, Independent Director
- Pankaj Bhansali, Independent Director
- Divya Momaya, Independent Director
- Swanubhuti Jain, Independent Director
Fundamentals
Financials
All values are INR Cr except per share value
| P&L Statement | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Revenue | 3625.00 | 4297.00 | 4177.00 | 7068.00 |
| Other Income | 9.00 | 20.00 | 20.00 | 62.00 |
| Gross Profit | 3634.10 | 4316.40 | 4197.10 | 7130.00 |
| Total Expense | 1609.80 | 2177.60 | 2300.70 | 3001.90 |
| EBIDTA | 2024.30 | 2138.80 | 1896.50 | 4128.10 |
| D&A | 47.50 | 48.30 | 58.40 | 82.60 |
| EBIT | 1976.80 | 2090.60 | 1838.10 | 4045.50 |
| PBT | 1458.40 | 1615.80 | 1242.30 | 3031.40 |
| TAX | 255.50 | 305.10 | 309.40 | 586.30 |
| PAT | 1203.00 | 1310.70 | 932.80 | 2445.10 |
| Diluted EPS | 83.70 | 88.38 | 62.66 | 162.91 |
| Basic EPS | 85.67 | 89.14 | 62.89 | 164.63 |
| Total income | 3,634.00 | 4,317.00 | 4,197.00 | 7,130.00 |
ASSETS
| CURRENT ASSETS | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Cash and Cash Equivalents | 1292.00 | 2138.00 | 2576.00 | 5286.00 |
| Trade Payables | 912.00 | 1003.00 | 1029.00 | 1918.00 |
| Other Current Assets | 11330.00 | 13124.00 | 18558.00 | 23696.00 |
| Total Current Assets | 13,534.00 | 16,265.00 | 22,163.00 | 30,900.00 |
| NON CURRENT ASSETS | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Plant Property and Equipment | 316.00 | 324.00 | 427.00 | 569.00 |
| Other Non Current Assets | 266.00 | 335.53 | 421.00 | 360.00 |
| Total Non Current Assets | 582.00 | 659.53 | 848.00 | 929.00 |
| Total Assets | 14,116.00 | 16,924.53 | 23,011.00 | 31,829.00 |
|---|
| CURRENT LIABILITES | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| TRADW Payable | 3026.00 | 3701.00 | 3502.00 | 5564.00 |
| Other Current Liab | 6229.60 | 6990.71 | 12819.00 | 16892.00 |
| NON CURRENTLIABILITIES | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Deffered Tax Liab | 131.00 | 188.00 | 210.00 | 354.00 |
| Other Non Current Liab | 237.00 | 343.00 | 196.00 | 251.00 |
LIABILITIES
| EQUITY | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Share Capital | 15.00 | 15.00 | 15.00 | 15.00 |
| Other Equity | 4479.00 | 5685.00 | 6268.00 | 8754.00 |
| Total Equity | 4,494.00 | 5,700.00 | 6,283.00 | 8,769.00 |
| Total Liabilities & Equity | 4,494.00 | 5,700.00 | 6,283.00 | 8,769.00 |
|---|
| CASH FLOW STAT | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Cash Flow from operating | -139.00 | 1011.00 | -3058.00 | -350.00 |
| Cash Flow from financing | 861.00 | 282.00 | 3770.00 | 3306.00 |
| Cash Flow from investing | -273.00 | -447.00 | -274.00 | -247.00 |
| Net cash flow | 449.00 | 846.00 | 438.00 | 2,709.00 |
Revenue Growth
PAT Growth %
EPS Growth %
TOTAL ASSETS Growth %
QUICK RATIO Growth %
LONG TERM DEBT TO EQUITY RATIO Growth %
Shareholding Pattern
2026
| Name | Designation | Share % |
|---|---|---|
| Motilal Oswal Financial Services Limited | NA | 75.30% |
| Motilal Oswal Wealth Limited | NA | 7.99% |
| Motilal Oswal Finvest Limited | NA | 9.94% |
| others | NA | 6.77% |
Events
| Name | Date | Details |
|---|---|---|
| No events available. | ||
Frequently Asked Questions
Like any other financial product or commodity, the price of unlisted shares is discovered at the intersection of demand from buyers and supply from sellers of particular unlisted shares.
The two determinants of price are dynamic factors and keep changing constantly, hence share price tends to fluctuate constantly – every day, every minute.
Upon successful completion of a deal, the unlisted shares are credited electronically directly to your standard demat account that is usually created with CDSL or NSDL (Central Depository Services Limited or National Securities Depository Limited).
The lock-in period of Purple Style Labs Limited varies depending on the category of the investor:
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Venture capital or foreign venture capital investors are subject to lock-in period of 6 months from the date of acquisition of shares
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For AIF investors of Category-II are not subject to any lock-in.
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Any other investor, including retail investors, HNI or corporate investors are subject to a lock-in period of 6 months from the date of listing.
Note – The above-mentioned lock-in is for mainboard, however for SME IPO the applicable lock-in period is 1 Year.
There is no regulatory minimum limit to invest in unlisted shares. However, minimum investment size varies with the per share price. Earlier, the typical investment size often ranges between 70K – 100K, but with the growing awareness and increased participation the investment size has been down sized to 50k.
Short-Term Capital Gain tax is applicable when you sell your unlisted shares within a year from date of acquisition. Realized gain is taxable at your slab rate after consolidating in total income for the year. Hence, the rate of tax depends on your overall income for the particular financial year.
Long-Term Capital Gain taxes are applicable when you sell your unlisted shares after two years from the date of acquisition. LTCG tax is calculated on profits realized on sale of unlisted shares at 12.5%. Investors particularly retail or HNI must understand the concept clearly as it impacts strategy and tax planning.
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You can download the NSDL or CDSL application and login into the account and check whether the shares have been credited or not.
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Credit of Unlisted Shares/Pre-IPO shares can be checked in brokers application as well but it takes T+2 days to show the shares.
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You would also get email confirmation of credit of shares via email
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The value of share in unlisted space is determined in the same way as it is done in the listed market. Demand and supply decide the price of any share. If the demand is more than the supply, then the price of the share increases and vice versa.
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When a new share is introduced in the unlisted space, the value of the company is decided upon the last funding raised by the company. If the company hasn’t raised any funding in the past, then the valuation is decided upon the fundamentals of the company.
Yes, investing in unlisted shares is legal in India, the activity is regulated and governed under the rules and guidelines laid by SEBI (Securities and Exchange Board of India). Related parties must comply with the regulations and guidelines to ensure legal and financial standards.
Investing in unlisted shares in India carries a significant and distinctive risk profile such as limited liquidity, lack of transparent pricing and regulatory oversight because unlisted shares do not trade on listed stock exchange, they are bought or sold in OTC (over the counter) market that makes vulnerable to following risks:
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Liquidity risk, unlisted shares are difficult to buy and sell,
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Lack of transparent pricing, as share price of pre-IPO or unl;isted company is often determined by narrative not fundamentals
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Lack of information disclosure, unlisted companies are not mandated for disclosures like listed companies
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Tax ambiguity, because determination of fair market value and cost of acquisition of unlisted shares is often disputed
Hence, investors should carefully examine related facts before investing in Pre-IPO or unlisted shares.