Last Traded Price : ₹13.5
About
Motilal Oswal Home Finance Limited (MOHFL), promoted by the Motilal Oswal Group, provides one of the fastest turn-around times for processing applications, enabling credit access on fair terms. Provision of value added proposition like Property Services and Insurance Services, and best in class service for customer segments makes MOHFL the preferred choice of over 84,000 customers in the lower middle income segment.
Read moreFundamental
Company Name :
Motilal Oswal Home Finance Limited
Motilal Oswal Home Finance Limited
Scrip Name :
MOHFL
MOHFL
ISIN No. :
INE658R01011
INE658R01011
No. of Outstanding Shares :
6,053,925,379
6,053,925,379
PAN No. :
AAMCA0234H
AAMCA0234H
Face Value :
₹1.00
₹1.00
EPS :
₹0.22
₹0.22
PE ratio :
62.74
62.74
P/S Ratio :
12.54
12.54
Market Capitalization :
₹8,172.80 Crore
₹8,172.80 Crore
Book value :
₹2.36
₹2.36
P/BV :
5.72
5.72
52 Week High :
₹ 22.00 (21/12/24)
₹ 22.00 (21/12/24)
52 Week Low :
₹ 13.25 (19/11/24)
₹ 13.25 (19/11/24)
Lifetime High :
₹ 22.00 (21/12/24)
₹ 22.00 (21/12/24)
Lifetime Low :
₹ 6.00 (31/05/19)
₹ 6.00 (31/05/19)
DRHP Filed ?
No
No
Available on :
NSDL and CDSL
NSDL and CDSL
ROFR Require :
No
No
Sector :
Financial Service
Financial Service
CIN :
U65923MH2013PLC248741
U65923MH2013PLC248741
Registration Date :
01/10/2013
01/10/2013
Balance Sheet (RS in Lakhs)
| Particulars | 2025 | 2024 |
|---|---|---|
| Financial Assets | ||
| Cash and Cash Equivalents | 61,149 | 44,334 |
| Bank balance other than above | 1,754 | 2,855 |
| Loans | 4,83,632 | 4,03,177 |
| Other Financial Assets | 2,216 | 1,534 |
| Non-Financial Assets | ||
| Current Tax Assets (Net) | 59 | 104 |
| Deferred Tax Assets (Net) | 1,689 | 1,455 |
| Property, Plant and Equipment | 1,561 | 1,276 |
| Other Intangible Assets | 54 | 112 |
| Other non-financial assets | 869 | 362 |
| Total Assets | 5,52,983 | 4,55,209 |
| Financial Liabilities | ||
| Total outstanding dues of micro and small enterprises | 139 | 80 |
| Total outstanding dues of creditors other than micro and small enterprises | 1,601 | 1,059 |
| Debt Securities | 57,233 | 21,399 |
| Borrowings (Other than Debt Securities) | 3,13,059 | 2,78,025 |
| Other financial liabilities | 36,659 | 25,033 |
| Non-Financial Liabilities | ||
| Provisions | 978 | 553 |
| Other non-financial liabilities | 450 | 346 |
| Equity | ||
| Equity Share Capital | 60,539 | 60,379 |
| Share Application Money Pending Allotment | 174 | 21 |
| Other Equity | 82,151 | 68,314 |
| Total Liabilities and Equity | 5,52,983 | 4,55,209 |
Profit & Loss Statement (RS in Lakhs)
| Particulars | 2025 | 2024 |
|---|---|---|
| Income | ||
| Interest Income | 60770 | 55822 |
| Fees and Other Income | 1944 | 1939 |
| Net gains on fair value changes (Realised) | 281 | 438 |
| Other Income | 2162 | 1709 |
| Total Income | 65157 | 58908 |
| Expenses | ||
| Finance Cost | 26750 | 26042 |
| Impairment on Financial Instruments | 165 | 1193 |
| Employee Benefits Expenses | 16860 | 12066 |
| Depreciation/Amortisation | 554 | 521 |
| Other Expenses | 4186 | 2958 |
| Total Expenses | 48915 | 41780 |
| Profit Before Tax | ||
| Profit Before Tax | 16642 | 17128 |
| Current Tax | 3603 | 3537 |
| Deferred Tax | -41 | 341 |
| Prior Period Tax | 54 | -2 |
| Profit After Tax | ||
| Profit After Tax | 13026 | 13252 |
| Re-measurement (losses) on defined benefit plans | -211 | -7 |
| Income Tax impact on above | 53 | 2 |
| Derivatives designated as cash flow hedge | -553 | 0 |
| Income Tax impact on above (Hedge) | 139 | 0 |
| Total Comprehensive Income | 12454 | 13247 |
| EPS - Basic | 0.22 | 0.22 |
| EPS - Diluted | 0.21 | 0.22 |
| Items that will not be reclassified to profit & loss | - | 13252 |
Cash Flow Statement (RS in Lakhs)
| Particulars | 2025 | 2024 |
|---|---|---|
| Cash Flow from Operating Activities | ||
| Net Profit Before Tax | 16,642 | 17,128 |
| Depreciation and amortization | 554 | 521 |
| Interest income | -60,770 | -55,822 |
| Finance costs | 26,750 | 25,042 |
| Share based payment to employees | 760 | 523 |
| Provisions for employee benefits | 340 | 155 |
| Change in fair value of Gratuity | -211 | -7 |
| Change in fair value of hedged items | -553 | - |
| Other provisions | 84 | -40 |
| Impairment on financial instruments | 165 | 1,193 |
| Net gains on fair value changes | -281 | -438 |
| Operating Profit Before WC Changes | -16,519 | -11,745 |
| Adjustment for: | ||
| (Increase)/Decrease in Loans | -80,619 | -27,085 |
| (Increase)/Decrease in Other financial assets | -682 | -23 |
| (Increase)/Decrease in Other non financial assets | -507 | -152 |
| Increase/(Decrease) in Non financial liabilities | 104 | 70 |
| Increase/(Decrease) in Trade payables | 601 | 670 |
| Increase/(Decrease) in Other financial liabilities | 11,488 | 14,964 |
| Finance Cost paid on borrowings | -26,678 | -24,978 |
| Interest Income received on loans | 59,519 | 55,221 |
| Cash (Used in)/generated from Operations | -53,293 | 6,942 |
| Income Tax Paid (Net) | -3,612 | -3,012 |
| Net Cash from Operating Activities | -56,905 | 3,930 |
| Cash Flow from Investing Activities | ||
| (Purchase)/sale of property, plant and equipments | -782 | -421 |
| Sale of commercial paper | 2,55,000 | 15,041 |
| Purchase of commercial paper | -2,54,475 | -15,000 |
| Sale of Equity | 72 | - |
| Purchase of Equity | -32 | - |
| Sale of mutual funds units | 2,38,179 | 3,07,922 |
| Purchase of mutual funds units | -2,37,938 | -3,07,485 |
| (Increase)/Decrease in deposits with original maturity of more than 3 months | 1,100 | 1,523 |
| Interest income on fixed deposit & certificate of deposit & TREPs | 726 | 560 |
| Net Cash from Investing Activities | 1,850 | 2,140 |
| Cash Flow from Financing Activities | ||
| Proceeds from issue of share capital | 161 | 44 |
| Proceeds from share application money pending allotment | 152 | 22 |
| Share Premium on issue of share capital | 623 | 106 |
| Proceeds from Debt securities | 57,500 | - |
| Repayment of Debt securities | -21,686 | -39,809 |
| Proceeds from Borrowings other than debt securities | 1,06,500 | 1,16,620 |
| Repayment of Borrowings other than debt securities | -71,466 | -66,262 |
| Increase/(Decrease) lease liabilities | 138 | 102 |
| Interest on lease liabilities | -72 | -64 |
| Net Cash from Financing Activities | 71,871 | 10,759 |
| Net Increase in Cash & Cash Equivalents | 16,815 | 16,829 |
| Opening Cash & Cash Equivalents | 44,334 | 27,505 |
| Closing Cash & Cash Equivalents | 61,149 | 44,334 |
Financial Ratios
| Particulars | 2025 | 2024 |
|---|---|---|
| Debt to Equity | 2.59 | 2.33 |
| Net Profit Ratio | 19.99% | 22.50% |
How Its Work
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Secure Transaction Process
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Deal Completion
The final stage of the transaction where legal documents are signed, payments are settled, and ownership is officially transferred.