Motilal Oswal Home Finance (MOHF) is the affordable housing finance arm of Motilal Oswal Financial Services (MOFSL). The second quarter result of MOHF in 2025 showcased a solid performance, loan disbursement rose to 86% year-on-year to INR 368 crore, the company’s loan book stands at INR 4,209 crore, reflecting its strategic focus on retail lending, technological innovation, and geographical expansion.
Motilal Oswal Home Finance Q2 FY25 – Key Performance Highlights
- Loan Book Expansion:
- The total loan book stood at INR 4,209 crore as of September 2024, marking a 13% growth compared to INR 3,730 crore in September 2023.
- Retail loans constituted the majority of the portfolio, underscoring the company’s focus on building a granular and sustainable book.
- Disbursement Surge:
- Disbursements during the quarter soared by 86% year-on-year to INR 368 crore, driven by enhanced retail focus and the addition of Relationship Managers (RMs).
- The RM strength increased to 1,050 personnel from 626 a year earlier, enabling the company to expand its customer base.
- Improved Asset Quality:
- The GNPA ratio improved to 1.3% in Q2 FY25 from 2.1% in H1 FY24, while NNPA reduced to 0.7%. This improvement reflects effective risk management and portfolio monitoring.
- Financial Performance:
- Net Interest Income (NII) for the quarter increased by 4% YoY to INR 81 crore.
- Profit After Tax (PAT) for Q2 FY25 stood at INR 27 crore, compared to INR 34 crore in the corresponding quarter last year, as the company invested in scaling operations and technology.
- The company maintained a strong CRAR (Capital to Risk Weighted Assets Ratio) of 45.6%, indicating robust capitalization.
- Operational Enhancements:
- MOHF has built a scalable, technology-driven operating model, utilizing AI-based credit assessment and digital onboarding to enhance efficiency.
- The credit rating outlook was upgraded to “AA Positive” by leading agencies, showcasing market confidence.
India’s Housing Finance Industry
The affordable housing finance segment in India is experiencing significant growth, driven by government initiatives like the Pradhan Mantri Awas Yojana (PMAY) and rising demand in Tier 2 and Tier 3 cities. MOHF’s strategy to expand its retail reach and integrate technology aligns with these market trends, positioning it as a leading player in the sector.
Future Outlook
The second quarter result of MOHF in 2025 indicates that the company aims to strengthen its retail presence by entering new markets, further investing in technology, and expanding its RM base. With a focus on maintaining strong asset quality and exploring new growth opportunities, the company is well-positioned to capitalize on India’s burgeoning housing finance market.
Fast Facts For H1 FY25
| Parameters | Value |
| Total Loan Book | INR 4,209 crore |
| Disbursements | INR 368 crore |
| GNPA | 1.3% |
| NNPA | 0.7% |
| Net Interest Income (NII) | INR 81 crore |
| PAT | INR 27 crore |
| CRAR | 45.6% |
| RM Strength | 1,050 personnel |
For more details on Motilal Oswal Home Finance’s financial performance and initiatives, visit Motilal Oswal Financial Services Ltd. If you want to check the price of unlisted shares of Motilal Oswal Housing Finance click on the embedded link.
By aligning its operations with market demands and leveraging technological advancements, MOHF is poised for sustained growth and market leadership in affordable housing finance. Stay tuned for further updates on its performance and milestones.
