Motilal Oswal Home Finance reported a ~25% YoY growth in its loan book, driven by continued traction in the affordable housing segment and deeper penetration in Tier II & III markets.
Profitability remained strong with ~22% YoY growth in profit, supported by operating leverage, stable spreads, and improved efficiency.
The company continues to maintain a retail-focused portfolio (~90% of loan book), which enhances yield visibility and reduces concentration risks.
Asset quality remains healthy with low GNPA/NNPA levels and strong collection efficiency, indicating prudent underwriting and risk management practices.
Growth is being supported by expansion in distribution, sales team strength, and branch network, improving disbursement momentum and scalability.
Strong capital adequacy and stable margins provide headroom for continued growth without immediate capital pressure, positioning the company well for the next phase of expansion.
