Motilal Oswal Home Finance Unlisted Shares
Motilal Oswal Home Finance – Q4 FY26 Results Show Strong Loan Growth and Profitability Improvement
IPO Central
2 min read
Expert Analysis:
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.
Motilal Oswal Home Finance’s Q4 FY26 performance reflects a balanced growth strategy combining strong loan book expansion with stable asset quality and improving profitability, reinforcing its positioning in the affordable housing finance segment while maintaining disciplined risk management.
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