Motilal Oswal Home Finance Limited

Motilal Oswal Home Finance Limited (MOHFL) is an India-based housing finance company engaged in providing affordable home loans, loans against property, and small business loans primarily to self-employed individuals and lower-to-middle-income households. Incorporated in 2013 and headquartered in Mumbai, the company is a subsidiary of the Motilal Oswal Financial Services group, one of India’s leading diversified financial services organizations. MOHFL focuses on serving underserved and semi-urban customer segments that often have limited access to formal credit channels.

The company offers a range of retail lending products including affordable housing finance, LAP (Loan Against Property), and secured MSME loans with an emphasis on first-time borrowers, informal income earners, and small business owners. Its business model combines branch-led sourcing, local market expertise, and technology-enabled underwriting to expand financial inclusion across Tier 2, Tier 3, and semi-urban markets in India. Over the years, MOHFL has steadily expanded its branch network and customer base while maintaining a retail-focused secured lending portfolio.

Motilal Oswal Home Finance has increasingly focused on asset quality improvement, operational efficiency, and strengthening its affordable housing franchise amid rising demand for housing finance in India. The company continues to benefit from government initiatives supporting affordable housing, urbanization trends, and increasing formalization of retail credit markets. As part of the larger Motilal Oswal ecosystem, MOHFL also leverages strong financial market expertise, governance standards, and brand credibility within India’s financial services sector.