Motilal Oswal Home Finance Limited Unlisted Share
₹11.2▼10.40%(1.30)
About the company
Motilal Oswal Home Finance Limited (MOHFL), formerly known as Aspire Home Finance Corporation Limited, is a housing finance company incorporated in 2013 and a subsidiary of Motilal Oswal Financial Services Limited (MOFSL). The company focuses on providing affordable housing finance solutions to individuals and families across India, particularly in the lower and middle-income segments.
MOHFL offers home loans for the purchase, construction, extension, renovation, and repair of residential properties. It also serves self-employed individuals and customers with limited formal income documentation by assessing their repayment capacity through cash flow analysis and internal credit evaluation. Through its customer-focused approach, the company aims to improve access to housing finance and promote financial inclusion across underserved communities.
Fundamentals
Valuation
| Metric | Value |
|---|---|
| 52 week high | ₹18 |
| 52 week low | ₹11 |
| P/B ratio | 4.51 |
| ROE (%) | 9.88% |
| Book value | ₹2.65 |
| Face value | ₹1 |
| Valuation | AAMCA0234H |
52 week high
52 week low
P/B ratio
ROE (%)
| Metric | Value |
|---|---|
| 52 week high | ₹18 |
| 52 week low | ₹11 |
| P/B ratio | 4.51 |
| ROE (%) | 9.88% |
Registry
| Metric | Value |
|---|---|
| PAN number | AAMCA0234H |
| ISIN number | INE658R01011 |
| CIN | U65923MH2013PLC248741 |
Figures in cr ·
Financials
| P&L Statement | 2026Latest | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| PAT | 158.8 | 130 | 132 | 136 |
| EPS | 0.26 | 0.21 | 0.22 | 0.23 |
| Interest earned | 719.5 | 608 | 558 | 513 |
| Interest expended | 326 | 267 | 250 | 218.5 |
| Other income | 82 | 44 | 31 | 18.5 |
| Operating expenses | 250 | 216 | 155 | 119 |
| Provisions & contingencies | 16 | 1.6 | 12 | 19 |
| Gross NPA (%) | 0.87 | 0.84 | 0.86 | 1.07 |
| Net NPA (%) | 0.49 | 0.37 | 0.42 | 0.55 |
Shareholding Pattern
Motilal Oswal Financial Services Limited
Motilal Oswal Finvest Limited
Motilal Oswal Wealth Limited
Motilal Oswal Investment Advisors Limited
Others
| Holder | Percentage |
|---|---|
| Motilal Oswal Financial Services Limited | 75.10% |
| Motilal Oswal Finvest Limited | 9.91% |
| Motilal Oswal Wealth Limited | 7.96% |
| Motilal Oswal Investment Advisors Limited | 3.97% |
| Others | 3.06% |
Leadership
Frequently asked questions
Common questions on Motilal Oswal Home Finance Limited Unlisted Share—tap a row to read the answer.
Q.1How can I buy Motilal Oswal Home Finance Limited Unlisted Shares?
If you're planning to buy Motilal Oswal Home Finance Limited unlisted shares, you'll generally need an active Demat account, PAN, bank account, and completed KYC. The first step is to check the latest share price and availability in the unlisted market.
Once the price and quantity are finalized, you can complete the payment according to the agreed terms. After the settlement process, the shares are transferred to your Demat account. Before investing, it is advisable to review the company's financial performance, valuation, and future growth prospects.
Q.2How can I sell Motilal Oswal Home Finance Limited Unlisted Shares?
If you already own Motilal Oswal Home Finance Limited shares and wish to sell them, you can first check the current buying price and market demand.
Once a buyer is available and both parties agree on the price and quantity, the shares are transferred from your Demat account through the standard settlement process. Payment is completed as per the agreed terms. Since these are unlisted shares, liquidity and pricing may vary depending on market conditions.
Q.3What is the lock-in period for Motilal Oswal Home Finance Limited Unlisted Shares?
In most cases, unlisted shares can be bought and sold without any standard lock-in period unless specific restrictions apply to a particular allotment or transaction.
If the company launches an IPO in the future, shares acquired before the IPO may become subject to a lock-in period under the SEBI regulations applicable at that time. Investors should refer to the latest regulatory guidelines before making an investment decision.
Q.4How is DIS used to sell Motilal Oswal Home Finance Limited Unlisted Shares?
A Delivery Instruction Slip (DIS) is used to authorize the transfer of shares from your Demat account to the buyer's Demat account.
The seller provides details such as the ISIN, quantity of shares, and the buyer's Demat account information before submitting the DIS to the Depository Participant (DP). Many DPs also provide an electronic eDIS facility, making the transfer process quicker and more convenient.
Q.5What is the minimum investment required to buy Motilal Oswal Home Finance Limited Unlisted Shares?
The minimum investment depends on the current Motilal Oswal Home Finance share price and the minimum quantity available for purchase.
Since prices and share availability may change over time, there is usually no fixed investment amount. Investors should confirm the latest price, available quantity, and total investment value before placing an order.
Q.6Is buying Motilal Oswal Home Finance Limited Unlisted Shares legal in India?
Yes. Buying and selling unlisted shares is generally legal in India, provided the transaction is carried out in accordance with applicable laws and regulations.
Investors should complete the required KYC formalities, use valid Demat and bank accounts, and maintain proper transaction records. It is also important to conduct adequate research before investing in any unlisted company.
Q.7How are short-term capital gains on Motilal Oswal Home Finance Limited Unlisted Shares taxed?
If you sell your shares within the holding period classified as short-term under the prevailing Income Tax rules, the profit earned may be treated as Short-Term Capital Gain (STCG).
The applicable tax depends on the tax laws in force at the time of sale and your individual tax circumstances. As taxation rules may change, consulting a qualified tax advisor is recommended.
Q.8How are long-term capital gains on Motilal Oswal Home Finance Limited Unlisted Shares taxed?
If the shares are held for the period required to qualify as a long-term capital asset before being sold, the gains may be treated as Long-Term Capital Gain (LTCG).
The applicable tax treatment depends on the prevailing Income Tax provisions at the time of sale. Investors should maintain records of the purchase date, acquisition cost, and sale value to ensure accurate tax calculation and hassle-free tax filing.
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