Motilal Oswal Home Finance Limited Unlisted Shares
vs. prev. close ₹12.5
52W High
₹14.5
52W Low
₹10.5
Market cap
₹6,382 Cr
IPO stage
No DRHP filed
CIN
U65923MH2013PLC248741
Price History
52W High
₹14.5
52W Low
₹10.5
About Motilal Oswal Home Finance Limited Unlisted Shares
Housing finance arm of Motilal Oswal Financial Services serving affordable-housing borrowers, with a Rs 5,580 crore loan book, strong asset quality, and a 37.5% capital adequacy ratio as of FY26.
The Short Version :
Motilal Oswal Home Finance Limited is the housing finance arm of Motilal Oswal Financial Services Limited (MOFSL), serving homebuyers in low and middle-income segments across Tier-2, Tier-3, and emerging urban markets through 126 branches in 12 states, with a loan book of Rs 5,579.75 crore as of March 2026. FY26 total income rose to Rs 800.82 crore from Rs 651.57 crore in FY25, with profit after tax growing to Rs 158.84 crore from Rs 130.26 crore. The company's disclosed basic EPS for FY26 was Rs 0.26 (face value Re 1), with book value per share of roughly Rs 2.65 and return on equity of about 9.9% for the year, alongside a strong capital adequacy ratio of 37.5%, well above the regulatory minimum for housing finance companies.
Why It Trades Where It Does :
MOHFL's valuation case rests on being a well-capitalized, improving-quality affordable housing lender backed by a recognized financial group, operating in a market with low mortgage penetration (around 16.6% of GDP in India). Asset quality has stayed strong through its growth phase, Gross Stage 3 loans stood at just 0.87% and Net Stage 3 at 0.49% as of March 2026, and the company's credit rating was upgraded to AA+/Stable by ICRA during the year, which should support a lower cost of funds over time. Against this, EPS of Rs 0.26 and ROE near 9.9% reflect a business still working toward the return profile of more mature, larger-scale housing financiers, with a debt-to-equity ratio of 2.9x typical of a leveraged lending balance sheet. The combination of strong capitalisation, improving ratings, and a large addressable market is the core of the growth story here, rather than current return ratios alone.
Top Risks :
Credit risk: a meaningful share of the loan book serves self-employed, new-to-credit, and cash-salaried borrowers where formal income documentation is limited, which the company manages through proprietary scoring models but which remains an inherent risk of this customer segment.
Liquidity and interest rate risk: as a lender with a debt-to-equity ratio of 2.9x, MOHFL depends on continued access to diversified funding (banks, NHB refinance, NCDs, ECBs, commercial paper), and mismatches between asset maturity and liability repayment, or volatility in cost of funds, could pressure spreads.
Regulatory risk: changes in RBI or National Housing Bank norms around capital, provisioning, or lending standards could affect the business, as the company itself flags.
Higher operating cost structure: the company's own disclosure notes a relatively higher cost base (cost-to-income ratio of 52.8%) due to the granular, field-intensive nature of affordable housing lending, along with moderate scale relative to larger banks limiting pricing flexibility.
Competitive intensity from banks, larger HFCs, and fintech lenders could pressure growth and pricing power over time.
Top Opportunities :
India's mortgage penetration remains low at around 16.6% of GDP, and MOHFL is positioned in the underserved Tier-2/Tier-3 affordable housing segment with continued policy support through schemes like PMAY.
The loan book has grown at roughly a 20% CAGR, with FY26 disbursements of Rs 2,021 crore, up 22% over FY25, indicating sustained growth momentum.
A strong capital adequacy ratio of 37.5% (well above the regulatory minimum) gives the company significant headroom to fund continued growth without near-term capital constraints.
Credit rating upgrades during FY26 (ICRA to AA+/Stable, CRISIL AA/Positive reaffirmed, India Ratings IND AA/Positive reaffirmed) point toward a potentially lower cost of borrowing going forward.
Backing from the Motilal Oswal Financial Services Group provides access to a diversified, lender-trusted funding base and brand credibility in a competitive lending market.
Ongoing technology investment (automated underwriting, AI-based eligibility checks, near-paperless digital agreements) is improving operating efficiency and scalability of the branch network.
Disclaimer :
Priveq.in is an informational platform for unlisted and pre-IPO shares, operated by Priveq Investech Private Limited (the named counterparty on transactions). Unlisted shares carry risks including illiquidity, valuation uncertainty, and limited regulatory disclosure. This page is informational only and does not constitute investment advice.
Company Details
Founded
2013
Headquarters
Mumbai, Maharashtra, India
Min Lot Size
1
Face Value
₹1.00
Total Shares
6078042292
Regulatory Information
Corporate Identity Number (CIN)
U65923MH2013PLC248741
PAN Number
AAMCA0234H
ISIN
INE658R01011
Key Valuation Ratios
Valuation
Market Cap
₹6,381.94 Cr
P/E Ratio
40.18×
P/S Ratio
7.98×
P/B Ratio
3.97×
EV / EBITDA
19.38×
Returns & Per Share
ROE
9.88%
EPS
₹0.26
Book Value / Share
₹2.65
Solvency
Debt / Equity
2.87×
Interest Coverage
1.64×
Company Fundamentals
As of FY2026 Annual · updated 05 Oct 2026Gross Profit
—
EBITDA
₹541.18 Cr
Revenue Growth
27.03%
Profit Margin
19.85%
Performance Trends
4 annual periods · derived from filed statements
Revenue
₹ Cr
Net Profit
₹ Cr · losses in red
Earnings Per Share
₹ per share
Return on Equity
ROE %
Return on Capital Employed
ROCE %
Debt-to-Equity
2.87×
EBITDA Margin
67.63%
Interest Coverage
1.64×
Financial Statements
| Line item | FY2023 | FY2024 | FY2025 | FY2026 |
|---|---|---|---|---|
| Total Income | ||||
| Revenue from operationsDisclosed | 526.8₹ Crore | 577.99₹ Crore | 629.95₹ Crore | 800.21₹ Crore |
| Other incomeDisclosed | 5.13₹ Crore | 11.09₹ Crore | 21.62₹ Crore | 61₹ Lakh |
| Total IncomeDerived | 531.93₹ Crore | 589.08₹ Crore | 651.57₹ Crore | 800.82₹ Crore |
| Expenses | ||||
| Employee benefits expenseDisclosed | 89.84₹ Crore | 120.66₹ Crore | 168.6₹ Crore | 205.23₹ Crore |
| Finance costsDisclosed | 218.56₹ Crore | 250.42₹ Crore | 267.5₹ Crore | 326.13₹ Crore |
| Depreciation and amortization expenseDisclosed | 3.69₹ Crore | 5.21₹ Crore | 5.54₹ Crore | 6.45₹ Crore |
| Other expensesDisclosed | 44.3₹ Crore | 41.51₹ Crore | 43.51₹ Crore | 54.41₹ Crore |
| Total ExpensesDerived | 356.39₹ Crore | 417.8₹ Crore | 485.15₹ Crore | 592.22₹ Crore |
| Profit | ||||
| Profit before taxDerived | 175.54₹ Crore | 171.28₹ Crore | 166.42₹ Crore | 208.6₹ Crore |
| Current tax expenseDisclosed | 33.48₹ Crore | 35.37₹ Crore | 36.03₹ Crore | 39.25₹ Crore |
| Deferred tax expenseDisclosed | 5.83₹ Crore | 3.41₹ Crore | -41₹ Lakh | 8.39₹ Crore |
| Tax expenseDisclosed | 39.18₹ Crore | 38.76₹ Crore | 36.16₹ Crore | 49.76₹ Crore |
| Profit After TaxDerived | 136.36₹ Crore | 132.52₹ Crore | 130.26₹ Crore | 158.84₹ Crore |
| Other comprehensive incomeDisclosed | 15₹ Lakh | -5₹ Lakh | -5.72₹ Crore | 4.51₹ Crore |
| Total Comprehensive IncomeDerived | 136.51₹ Crore | 132.47₹ Crore | 124.54₹ Crore | 163.35₹ Crore |
Documents Library
Access all financial reports and filings
Annual Report
Quarterly Report
Q3FY2026 Results of MOHFL others The consolidated financial results for the quarter ending Dec 31, 2025 (Q3)
Q3FY2026 Results of MOHFL others The consolidated financial results for the quarter ending Dec 31, 2025 (Q3)
Q1FY2026 Results of Motilal Home Finance others The consolidated financial results for the quarter ending Jun 30, 2025 (Q1)
Q1FY2026 Results of Motilal Home Finance others The consolidated financial results for the quarter ending Jun 30, 2025 (Q1)
Q4FY2025 Results of MOHFL others The consolidated financial results for the quarter and year ending March 31, 2025 (Q4)
Q4FY2025 Results of MOHFL others The consolidated financial results for the quarter and year ending March 31, 2025 (Q4)
Express buy interest
No commitment — the desk will reach out
Current Price
₹10.5Secure & Verified Transaction
Unlisted shares are illiquid and carry higher market risks. Please read the Risk Disclosure before investing.
Talk to a Specialist
Get expert guidance on this investment
About Motilal Oswal Home Finance Limited Unlisted Shares unlisted shares
Indicative · updated dailyMotilal Oswal Home Finance Limited unlisted share price today
Motilal Oswal Home Finance Limited unlisted share price today is ₹11 as of 15 October 2026.
Motilal Oswal Home Finance Limited Unlisted Shares — frequently asked questions
- What is the grey market price for Motilal Oswal Home Finance Limited?
No IPO is currently announced for Motilal Oswal Home Finance Limited, so no grey market exists; the price above reflects Priveq's own desk valuation.
- Has Motilal Oswal Home Finance Limited filed for an IPO, and when might it list?
Motilal Oswal Home Finance Limited has not filed a draft red herring prospectus, so no IPO is currently announced and no listing date has been set.
- How does Motilal Oswal Home Finance Limited compare to its listed peers?
There is no closely comparable listed company for Motilal Oswal Home Finance Limited in India today.
- Is Motilal Oswal Home Finance Limited on the SME or Mainboard IPO track?
Motilal Oswal Home Finance Limited has not filed a draft red herring prospectus, so no IPO track is set yet.
- What is Motilal Oswal Home Finance Limited's CIN and registered office?
Motilal Oswal Home Finance Limited's Corporate Identity Number is U65923MH2013PLC248741, registered at Mumbai, Maharashtra, India.
- What is Motilal Oswal Home Finance Limited's market capitalisation?
Motilal Oswal Home Finance Limited's market capitalisation is approximately ₹6,382 crore, based on its current unlisted share price.
More unlisted shares
- Omega Seiki Limited₹2,750
- Airlife Gases Private Limited₹1,800
- Abans Investment Managers Limited₹2,500
- 63sats Cybertech Limited₹24.5
- Shaya Polymers Limited₹470
- Samicron Precision Technologies Private Limited₹40
- Evergreen Recyclekaro (India) Limited₹11,08,000+2.6%
- Galaxeye Space Solutions Limited Private Limited₹4,25,000+0.0%
Buying, selling and holding unlisted shares
Applies to every company on Priveq- How do I buy Motilal Oswal Home Finance Limited unlisted shares?
Priveq Investech Private Limited is the named counterparty on every transaction. To buy Motilal Oswal Home Finance Limited unlisted shares: complete KYC once (PAN, Aadhaar, bank details, and demat account information — SEBI-compliant, typically approved within 24 hours), then submit your order through your Priveq dashboard specifying quantity. Our team confirms price and payment details with you directly. Once payment is confirmed, Motilal Oswal Home Finance Limited shares are transferred off-market straight to your demat account, with no pooling and no middlemen.
- How do I sell Motilal Oswal Home Finance Limited unlisted shares?
Submit an Express Sell Interest for Motilal Oswal Home Finance Limited through your Priveq dashboard, specifying quantity, the same way a buy order is placed. Priveq quotes you a bid price, which may differ from the live Buy price shown to buyers, since unlisted-share pricing works on a bid-ask basis rather than a single quote. Once you accept, you'll need to provide your Client Master List (CML), a cancelled cheque or bank details, and PAN. If you hold shares with CDSL, transfer can also be completed digitally via CDSL Easiest. You transfer Motilal Oswal Home Finance Limited shares to Priveq first, and payment follows once the transfer is confirmed received, typically the same day, T+1, or occasionally T+2, communicated to you directly. For sizeable transactions worth crores of rupees, an escrow arrangement can be used instead, at the sole consent of both parties.
- What is the minimum investment for Motilal Oswal Home Finance Limited unlisted shares?
Minimum investment varies by company and is shown as the Min Investment figure on this page. Motilal Oswal Home Finance Limited's minimum is ₹11.
- Is there a maximum investment limit?
There's no fixed maximum investment limit for Motilal Oswal Home Finance Limited unlisted shares. For sizeable transactions worth crores of rupees, an escrow arrangement can be used at the sole consent of both parties, the same mechanism available on the sell side.
- Is buying Motilal Oswal Home Finance Limited unlisted shares legal in India?
Yes. Buying and selling unlisted shares in India is legal and is subject to relevant SEBI regulations, including the mandatory lock-in period after listing, stamp duty, and depository participant charges on each transaction. Priveq's own KYC process is built to be SEBI-compliant.
- What is the lock-in period for Motilal Oswal Home Finance Limited unlisted shares?
Motilal Oswal Home Finance Limited has not filed a DRHP yet, so no listing date or lock-in period applies at this stage. Once an IPO is filed, this answer updates to reflect the applicable SME or Mainboard lock-in.
- What happens if Motilal Oswal Home Finance Limited's IPO is delayed or withdrawn?
If an IPO is delayed, shares remain unlisted and continue to trade on the desk at Priveq's indicative price, with no lock-in in effect until an actual listing happens. If a company formally withdraws its DRHP, the same applies: shares stay unlisted, with no lock-in period until and unless a fresh IPO process begins.
- How are capital gains on Motilal Oswal Home Finance Limited unlisted shares taxed?
If you sell unlisted shares, including Motilal Oswal Home Finance Limited, within 24 months of purchase, the gain is taxed as short-term capital gain at your applicable income tax slab rate. Beyond 24 months, it is taxed as long-term capital gain at 12.5 percent, without indexation benefit, under the rules effective from 23 July 2024. If Motilal Oswal Home Finance Limited lists and you sell after listing, the applicable tax treatment shifts to listed-security rates, with the holding period still measured from your original unlisted purchase date. This is general information, not tax advice; investors should confirm their specific position with a tax advisor.
- Can NRIs invest in Motilal Oswal Home Finance Limited unlisted shares?
Yes, on a non-repatriable basis. NRIs can invest using funds from an NRO account; sale proceeds stay within India unless repatriated separately under RBI's own limits. Priveq does not currently support repatriable investment (NRE/FCNR-funded), which would require the investee company to file additional RBI paperwork as foreign direct investment.
- Does Priveq charge a platform fee on top of the share price?
No. The price quoted to you is all-in; there is no separate platform fee or brokerage added on top.
- How does Priveq determine the desk price for Motilal Oswal Home Finance Limited?
Priveq's desk price reflects several inputs together, not a single formula: the seller's ask price at the time, current demand and supply on the platform for Motilal Oswal Home Finance Limited specifically, broader sentiment in the unlisted and pre-IPO market, how Motilal Oswal Home Finance Limited's sector and listed peers are trading, the company's own recent financial performance and IPO-stage developments, and recent transaction history where deals have actually closed.
Because unlisted shares trade over the counter rather than on an exchange, this price is indicative, not a continuously live quoted market price, and the actual deal price is confirmed with you directly before a transaction closes.
- Is Priveq SEBI-registered? Does it give investment advice?
Priveq is not a SEBI-registered stock exchange and not a SEBI-registered investment adviser. Priveq Investech Private Limited operates Priveq.in as a research and information platform for unlisted and pre-IPO shares, and is the named counterparty on transactions executed through the platform. Nothing on this page is investment advice; it's information to help you evaluate a company and decide for yourself.
- Am I eligible to invest through Priveq if I'm not an HNI?
Yes. Priveq isn't a stock exchange with membership restrictions, and investing isn't limited to HNIs. Depending on the company, entry points can start as low as ₹20,000, though the minimum for any specific company is shown as the Min Investment figure on its page.
- What documents do I receive after buying unlisted shares?
You receive an email acknowledging and confirming your order, along with a deal note or invoice recording the transaction details.
- What happens to my shares or money if a deal falls through?
Because Priveq is the direct counterparty on every transaction rather than just connecting a buyer and seller, this risk sits with Priveq, not with you. If a deal falls through after you've committed funds or shares, they remain safe, and Priveq guarantees a refund.