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Motilal Oswal Home Finance Limited Unlisted Share Price
Introduction
The Motilal Oswal Home Finance Limited Unlisted Share Price is tracked by investors looking for exposure to India's housing finance and affordable home-loan segment. Motilal Oswal Home Finance Limited (MOHFL) is a housing finance company associated with the Motilal Oswal Group and focuses primarily on providing housing finance to customers across the affordable and emerging housing segments.
The company was incorporated in 2013 and operates as an unlisted public company. Its shares are not traded on the NSE or BSE and are instead available through the private unlisted-share market.
Recent unlisted-market quotations have placed the Motilal Oswal Home Finance Unlisted Share Price around ₹11–₹11.50 per share in 2026. Since these shares do not have continuous exchange-based price discovery, the actual transaction price can vary based on demand, supply, share availability, order size and the intermediary involved.
Investors researching Motilal Oswal Home Finance Unlisted Shares generally evaluate the company's loan portfolio, financial performance, profitability, asset quality, borrowing profile, capital adequacy and future growth potential.
About Motilal
Motilal Oswal Home Finance Limited is a housing finance company incorporated in 2013 and based in Mumbai. The company focuses on providing housing finance solutions, particularly to customers in affordable and emerging housing segments.
Its lending activities include financing for home purchase, construction, renovation and extension, along with loans against property.
The company operates with a focus on expanding access to housing finance for customers who may have limited access to conventional formal credit.
MOHFL's financial performance is therefore influenced by loan growth, interest income, funding costs, credit quality, recoveries and operating efficiency.
Business Model
Motilal Oswal Home Finance operates primarily through housing finance and related lending products.
Home Loans
The company provides financing for eligible customers looking to purchase residential properties.
Home Construction Loans
Customers can obtain financing for constructing residential properties, subject to the company's lending and eligibility criteria.
Home Improvement and Extension Loans
MOHFL also provides financing for renovation, improvement and extension of residential properties.
Loan Against Property
The company provides loans against eligible property, allowing customers to raise funds against their real-estate assets.
Affordable Housing Focus
A key part of MOHFL's business positioning is its focus on affordable housing and customers in low- and middle-income segments.
The company's ability to grow its loan portfolio while maintaining asset quality and controlling credit costs is important for its long-term financial performance and could influence the Motilal Oswal Home Finance Unlisted Share Price.
Growth Story
Motilal Oswal Home Finance was established in 2013 as part of the broader Motilal Oswal financial-services ecosystem.
The company developed its business around housing finance, with particular emphasis on expanding access to home loans among customers in the affordable housing segment.
Over the years, MOHFL has expanded its loan portfolio and developed lending operations across multiple locations.
The company's growth is closely connected to India's housing demand, urbanisation, household income growth and increasing formalisation of housing finance.
However, growth in lending also requires careful management of credit risk, funding costs and asset quality. For this reason, investors tracking the Motilal Oswal Home Finance Unlisted Share Price generally look beyond loan growth and evaluate profitability and asset-quality indicators as well.
Market Analysis
The Motilal Oswal Home Finance Unlisted Share Price is determined through private-market transactions rather than regular stock-exchange trading.
Recent market sources have reported quotations around ₹11.25–₹11.50 per share during 2026. These figures should be treated as indicative rather than as a guaranteed transaction price.
Several factors can influence the price, including:
Demand and supply for unlisted shares
Availability of shares
Company's financial performance
Loan book growth
Profitability
Asset quality
Gross and net NPA levels
Capital adequacy
Cost of borrowing
Interest-rate environment
Housing-market growth
Investor sentiment
Potential future listing
Investors should verify the latest Motilal Oswal Home Finance Unlisted Share Price and transaction terms before purchasing the shares.
Financial Performance
The financial performance of MOHFL has improved in FY2025-26.
According to the company's FY2025-26 annual report, MOHFL reported gross income of ₹801 crore, compared with ₹652 crore in FY2024-25.
Net profit after tax increased to approximately ₹159 crore, compared with ₹130 crore in the previous financial year. This represented year-on-year growth of approximately 21.94%.
The annual report states that the increase in profitability was primarily driven by profit on direct assignment along with improved operational efficiency.
The company's FY2025 balance sheet also showed loans of approximately ₹4,836 crore and total assets of approximately ₹5,530 crore.
Recent Challenges
Interest-Rate Risk
Changes in interest rates can influence borrowing costs and lending margins for housing finance companies.
Credit Risk
Housing finance companies face the risk that borrowers may not repay their loans according to schedule.
Funding Costs
MOHFL relies on borrowings and other sources of funding to support its loan portfolio. Changes in funding costs can influence profitability.
Competition
The housing finance sector includes banks, housing finance companies and other financial institutions, creating significant competition for borrowers.
Unlisted Share Liquidity
Since MOHFL shares are not traded on NSE or BSE, investors may have limited opportunities to sell their holdings quickly.
Investment Strategies
Investing in Motilal Oswal Home Finance Unlisted Shares requires a long-term approach because the company's shares do not currently trade on a public stock exchange.
Long-Term Housing Finance Exposure
MOHFL operates in the housing finance sector, with a focus on affordable housing and customers in low- and middle-income segments.
India's long-term housing demand and increasing formal access to housing finance provide a broader industry opportunity for housing finance companies.
Value-Based Analysis
Investors can compare the unlisted share price with the company's book value, earnings, net worth, loan portfolio and return ratios.
Because housing finance companies are financial businesses, metrics such as P/B ratio, ROE, asset quality and capital adequacy can be useful alongside earnings-based measures.
Potential Pre-IPO Opportunity
The company's unlisted status is another reason investors monitor its shares. However, investors should not assume that a public listing will occur within a particular timeframe unless officially announced.
Portfolio Diversification
MOHFL Unlisted Shares can provide exposure to the housing finance industry rather than directly investing in a bank or a listed housing finance company.
Is This a Good Investment?
Investment Analysis — Advantages vs Risks
Potential Advantages
Established Motilal Oswal Group association
Focus on housing finance
Exposure to India's affordable housing market
Growing loan portfolio
Positive profitability
Improving net profit
Strong capital adequacy
Potential long-term housing demand
Opportunity to participate in an unlisted financial-services company
Key Risks
Credit and default risk
Interest-rate risk
Funding-cost risk
Competition
Regulatory changes
Economic slowdown
Asset-quality deterioration
Limited liquidity of unlisted shares
Valuation fluctuations
Uncertainty around future listing
Price Forecast
Predicting the future Motilal Oswal Home Finance Unlisted Share Price involves several variables.
Potential factors include:
Growth in the housing loan portfolio
Profit growth
Interest-rate movements
Cost of borrowing
Asset quality
NPA levels
Capital adequacy
Housing demand
Operational efficiency
Funding availability
Investor demand for unlisted shares
Potential future listing
If MOHFL continues to grow its loan portfolio while maintaining asset quality and improving profitability, investor sentiment could strengthen.
However, higher interest rates, deterioration in credit quality, slower housing demand or increasing funding costs could affect future financial performance.
Therefore, any price forecast should be treated as an estimate rather than a guaranteed target.
How To Buy
Motilal Oswal Home Finance shares are not traded through the normal NSE or BSE trading mechanism. Investors interested in the shares generally purchase them through the unlisted market.
Step 1: Check the Latest Unlisted Share Price
Confirm the latest Motilal Oswal Home Finance Unlisted Share Price before placing an order. Recent market quotations have been around ₹11–₹11.50, but actual transaction prices can vary.
Step 2: Complete KYC
Ensure your PAN, KYC details and Demat account are active and eligible to receive unlisted securities.
Step 3: Confirm the Quantity
Decide the number of shares you wish to purchase based on your investment objectives and risk tolerance.
Step 4: Confirm Transaction Details
Before payment, verify the price, quantity, ISIN, settlement process and applicable transaction charges.
Step 5: Transfer Funds
Make payment through the approved banking channel after confirming the transaction.
Step 6: Receive Shares in Your Demat Account
Once the transaction is completed, the shares are transferred to the investor's Demat account through an off-market securities transfer.
The ISIN for Motilal Oswal Home Finance Limited is INE658R01011.
Conclusion
The Motilal Oswal Home Finance Limited Unlisted Share Price is followed by investors looking for exposure to India's housing finance and affordable housing segment.
Recent unlisted-market quotations have placed the share price around ₹11–₹11.50 per share, although the actual transaction price can differ depending on market conditions, availability, order size and intermediary quotations.
The company reported a strong improvement in FY2025-26, with gross income increasing to ₹801 crore and profit after tax rising from ₹130 crore to approximately ₹159 crore.
MOHFL's loan portfolio, profitability, capital position and focus on affordable housing are important factors when evaluating its long-term prospects. However, investors should also consider credit risk, funding costs, competition, regulatory requirements and the limited liquidity associated with unlisted shares.
Before investing in Motilal Oswal Home Finance Unlisted Shares, investors should review the latest financial statements, unlisted-market quotation, valuation, asset-quality indicators and transaction terms.
If you are looking for the latest Motilal Oswal Home Finance Unlisted Share Price or want to buy Motilal Oswal Home Finance Unlisted Shares, Digital Wealth can assist with updated market-price information and the off-market transaction process.