Motilal Oswal Home Finance Limited is an affordable housing finance company focused on providing home finance solutions to low- and middle-income families, including first-time homebuyers across urban, semi-urban and emerging markets in India. A subsidiary of Motilal Oswal Financial Services Limited, the company operates through a branch-led housing finance network supported by digital processes and credit underwriting capabilities.
Motilal Oswal Home Finance Limited (MOHFL) is a housing finance company focused primarily on affordable home finance for low- and middle-income Indian families. Incorporated in October 2013 as Aspire Home Finance Corporation Limited, the company commenced business operations in June 2014 and subsequently adopted the Motilal Oswal Home Finance Limited name in 2019, aligning the housing finance business with the broader Motilal Oswal financial services brand.
MOHFL is a subsidiary of Motilal Oswal Financial Services Limited and operates within the group's diversified financial-services ecosystem. Its core business involves providing housing loans, particularly to first-time homebuyers and customers in low- and middle-income segments. The company provides finance for the purchase and self-construction of residential homes and also undertakes construction finance.
The operating model combines physical distribution through branches with technology-led processes, underwriting and customer servicing. The company has developed a presence across urban, semi-urban and emerging markets, including Tier 2 and Tier 3 locations where formal housing credit penetration remains relatively low. Its lending portfolio is predominantly secured against residential property, while funding is sourced through banks, financial institutions, capital-market borrowings and other institutional channels.
As of 31 March 2026, Motilal Oswal Home Finance reported Assets Under Management of approximately ₹5,829 crore and a loan book of approximately ₹5,596 crore. FY2026 disbursements were approximately ₹2,021 crore. The company operated through 126 branches across 12 states and union territories and served more than 54,700 families. Its capital adequacy ratio stood at approximately 37.5% at the end of FY2026.
The company is led by an experienced board and management team and benefits from its association with the Motilal Oswal Group. Motilal Oswal and Raamdeo Agrawal continue to be associated with the company's board, while its housing finance operations are managed by a professional management team.
For investors researching Motilal Oswal Home Finance unlisted shares, it is important to distinguish the company's ordinary equity from its separately issued debt securities. The Motilal Oswal Home Finance share price in the unlisted market relates to privately transacted securities and should not be confused with prices or yields of its listed or unlisted non-convertible debentures. The company's ordinary Motilal Oswal Home Finance equity shares carry ISIN INE658R01011 and have a face value of ₹1 per share. Since the equity is not listed on a recognised stock exchange, any Motilal Oswal Home Finance unlisted share price is indicative and may vary according to transaction size, demand, supply and market liquidity.
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| Period | Revenue (₹ Cr) | EBITDA (₹ Cr) | PAT (₹ Cr) | EPS (₹) |
|---|---|---|---|---|
| FY2026 | 800.21 | 541.18 | 158.84 | 0.26 |
| FY2025 | 629.95 | 439.46 | 130.26 | 0.22 |
Figures in ₹ crore unless stated otherwise, as reported by the company.
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