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Motilal Oswal Home Finance

Motilal Oswal Home Finance (MOFH) which was earlier known as Aspire Home Finance Corporation Limited, is a housing finance company that was incorporated in the year October 1, 2013. They have a team of financially sound and experienced promoters which are known for their execution capabilities.
They work on a philosophy of financial inclusion regarding lower- and middle-income Indian families, thereby providing them access to long-term housing finance. 
Motilal Oswal Home Finance is a subsidiary of Motilal Housing Financial Services Limited (MOFLS).

Overview

Underwriting plays a very important role in the lending business that one should really take care of. Underwriting is the process for the distribution of loans. Also, when a company has better chances for underwriting, the NPAs are reduced to a greater extent. Now let us understand the underwriting process at MOFH.

  • The loan approval at MOFH is in 4 layers which depends on the ticket size of the loans.
  • The approvals are generally done by authorities who are from Cluster Credit Head to National Credit Head.
  • There is a dedicated risk containment unit at MOFH, which helps to prevent frauds related to documentation and profile.

Borrowing

Lending is a type of activity in which we require funds in order to lend funds. MOHF arranges money first, then distributes it to people in the economy who need to buy a new home or rebuild an existing home. So, how does MOHF go about putting money together?

  • Through a term loan from a bank.
  • NCD through the issuance of commercial paper

Due to decreased disbursements and interest spreads, HFC profitability ratios fell slightly in FY20. Furthermore, the March quarter was hampered by the March lockdown. The COVID-19 pandemic is still going strong in FY21, and there’s no way of knowing how long it’ll last. We anticipate that the HFC industry will confront issues on both the asset and liability sides. Furthermore, the real estate sector’s slump, caused by both supply- and demand-side constraints, would exacerbate the problem. According to ICRA, HFC’s loan book will expand by 6-8 percent in FY21. Due to narrowing spreads and increased credit costs, the sector’s profitability would be harmed.

Management

MR. MOTILAL OSWAL, Chairman 

Motilal Oswal Financial Services Ltd’s Chairman and Managing Director are Mr. Motilal Oswal (MOFSL). He is a chartered accountant who founded the company in 1987 with co-promoter Raamdeo Agrawal. Oswal has served on the BSE’s Governing Board and the Indian Merchants Chamber (IMC), as well as several BSE, NSE, SEB, and CDSL committees. He has also been awarded the Rashtriya Samman Patra by the Government of India for being the highest taxpayer in the country for a term of 5 years.

RAAMDEO AGRAWAL, Director 

Mr. Raamdeo Agrawal is a chartered accountant and the co-founder of Motilal Oswal Securities Limited, as well as the Joint Managing Director of Motilal Oswal Financial Services Limited (MOFSL). He is the driving force behind Motilal Oswal Financial Services Ltd.’s superior research capabilities.  He is a believer and practitioner of QGLP philosophy and has a rich experience which has helped to play an important role in MOSFL.

Mr. Navin Agarwal, Vice Chairman

Mr. Navin is currently the Managing Director of Motilal Oswal Final Services Limited.  He is in charge of the Institutional Broking and Investment Banking businesses and has played a key role in establishing the Institutional Broking business as a global leader. Asia money has ranked the firm as The Best Indian Brokerage House under his leadership. 

Disclosure

Risk Disclosur

The Risk Disclosure “Document“ has very important information pertaining to trading in shares, equity, future and options, commodity exchange, commodity market, derivatives including mutual funds, futures and option contracts etc. and third-party products like PMSs, AIFs, Mutual Funds and OTHER products (“Instruments“). All and every prospective investor should read this document thoroughly before starting trading in Instruments of the stock exchanges or investing or purchasing units in third-party products.

Aam Aadmi Pre IPO investment or any of it’s group companies does not singly or jointly and expressly or impliedly guarantee nor make any representation concerning the completeness, the adequacy or accuracy of this Document.

This Document does not claim to disclose all the risks and many other significant aspects related to investment. Due to these risks, you should undergo such transactions if and only if you understand properly the nature of such contracts and contractual relationships in which you are involving yourself to and the extent of exposure to risk you will be enabled to. You must not be just relying on the guidance contained in this Document as an investment advice based on your personal circumstances, nor as a recommendation to enter into any or every service or invest in any of the below unlisted products. If you are not clear about the meaning of any of these warnings or disclosures below described, we would recommend strongly that you seek independent financial or legal advice.

You must know, understand and appreciate that investments in Instruments have varying elements of risk, is usually not an appropriate way for someone with limited resources or constrained investment or low trading experience and low risk tolerance. Consideration to trade should not be made without understanding and reviewing thoroughly the risks involved in such trading. If you are not sure, you must get professional advice from external source on the same.

In the event of any consequences or loss in the future, you shall be solely responsible for such loss and Aam Aadmi Pre IPO investment shall not be responsible for the same, in any way what so ever, and it will not be available for you to take the plea such as no adequate disclosure was presented or that you were not told about the risk involved by Aam Aadmi Pre IPO investment.

The investor will be completely and solely responsible for the consequences and no investment contract can be annulled on that account. You must send your acknowledgement and acceptance that there is no guarantee of profits or no exceptional situations from losses.