| Periods | 1 Week | 1 Month | 3 Months | 6 Months | 1 Year | 3 Years | All Time |
|---|---|---|---|---|---|---|---|
| Primex-40 | |||||||
| Motilal Oswal Home Finance Limited |
|
Particulars |
31-03-2025 |
31-03-2024 |
|
Financial Assets |
|
|
|
Cash and Cash Equivalents |
61,149 |
44,334 |
|
Bank balance other than above |
1,754 |
2,855 |
|
Loans |
4,83,632 |
4,03,177 |
|
Other Financial Assets |
2,216 |
1,534 |
|
Non Financial Assets |
|
|
|
Current Tax Assets (Net) |
59 |
104 |
|
Deferred Tax Assets (Net) |
1,689 |
1,455 |
|
Property, Plant and Equipment |
1,561 |
1,276 |
|
Other Intangible Assets |
54 |
112 |
|
Other non financial assets |
869 |
362 |
|
Total Assets |
5,52,983 |
4,55,209 |
|
Financial Liabilities |
|
|
|
Total outstanding dues of micro and small
enterprises |
139 |
80 |
|
Total outstanding dues of creditors other than
micro and small enterprises |
1,601 |
1,059 |
|
Debt Securities |
57,233 |
21,399 |
|
Borrowings (Other than Debt Securities) |
3,13,059 |
2,78,025 |
|
Other financial liabilities |
36,659 |
25,033 |
|
Non- Financial Liabilities |
|
|
|
Provisions |
978 |
553 |
|
Other non financial Liabilities |
450 |
346 |
|
Equity |
|
|
|
Equity Share Capital |
60,539 |
60,379 |
|
Share Application Money Pending Allotment |
174 |
21 |
|
Other Equity |
82,151 |
68,314 |
|
Total Liabilities and Equity |
5,52,983 |
4,55,209 |
|
Particulars |
31-03-2025 |
31-03-2024 |
|
Revenue from Operations |
|
|
|
Interest Income |
60,770 |
55,822 |
|
Fees and other Income |
1,944 |
1,539 |
|
Net gains on fair value changes (Realised) |
281 |
438 |
|
Other Income |
2,162 |
1,109 |
|
Total Income |
65,157 |
58,908 |
|
Finance Cost |
26,750 |
25,042 |
|
Impairment on Financial instruments (including
writeoff
s, recoveries and OTS) |
165 |
1,193 |
|
Employee benefits expenses |
16,860 |
12,066 |
|
Depreciation/Amortisation |
554 |
521 |
|
Other Expenses |
4,186 |
2,958 |
|
Total Expenses |
48,515 |
41,780 |
|
Profit Before Tax |
16,642 |
17,128 |
|
Tax Expense: |
|
|
|
Current Tax |
3,603 |
3,537 |
|
Deferred Tax |
-41 |
341 |
|
Prior Period Tax |
54 |
-2 |
|
Profit After Tax |
13,026 |
13,252 |
|
Items that will not be reclassified to Profit or
Loss |
|
|
|
Re-measurement (losses) on defined benefit plans |
-211 |
-7 |
|
Income Tax impact on above |
53 |
2 |
|
Items that may be reclassified to profit or
loss: |
|
|
|
Derivatives designated as cash flow hedge |
-553 |
- |
|
Income Tax impact on above |
139 |
- |
|
Total Comprehensive Income |
12,454 |
13,247 |
|
EPS-Basic |
0.22 |
0.22 |
|
EPS-Diluted |
0.21 |
0.22 |
|
Particulars |
31-03-2025 |
31-03-2024 |
|
Cash Flow from Operating Activities |
|
|
|
Net Profit Before Tax |
16,642 |
17,128 |
|
Depreciation and amortization |
554 |
521 |
|
Interest income |
-60,770 |
-55,822 |
|
Finance costs |
26,750 |
25,042 |
|
Share based payment to employees |
760 |
523 |
|
Provisions for employee benefits |
340 |
155 |
|
Change in fair value of Gratuity |
-211 |
-7 |
|
Change in fair value of hedged items |
-553 |
- |
|
Other provisions |
84 |
-40 |
|
Impairment on financial instruments |
165 |
1,193 |
|
Net gains on fair value changes |
-281 |
-438 |
|
Operating Profit Before WC Changes |
-16,519 |
-11,745 |
|
Adjustment for: |
|
|
|
(Increase)/Decrease in Loans |
-80,619 |
-27,085 |
|
(Increase)/Decrease in Other financial assets |
-682 |
-23 |
|
(Increase)/Decrease in Other non financial
assets |
-507 |
-152 |
|
Increase/(Decrease) in Non financial liabilities |
104 |
70 |
|
Increase/(Decrease) in Trade payables |
601 |
670 |
|
Increase/(Decrease) in Other financial
liabilities |
11,488 |
14,964 |
|
Finance Cost paid on borrowings |
-26,678 |
-24,978 |
|
Interest Income received on loans |
59,519 |
55,221 |
|
Cash (Used in)/generated from Operations |
-53,293 |
6,942 |
|
Income Tax Paid (Net) |
-3,612 |
-3,012 |
|
Net Cash from Operating Activities |
-56,905 |
3,930 |
|
Cash Flow from Investing Activities |
|
|
|
(Purchase)/sale of property, plant and
equipments |
-782 |
-421 |
|
Sale of commercial paper |
2,55,000 |
15,041 |
|
Purchase of commercial paper |
-2,54,475 |
-15,000 |
|
Sale of Equity |
72 |
- |
|
Purchase of Equity |
-32 |
- |
|
Sale of mutual funds units |
2,38,179 |
3,07,922 |
|
Purchase of mutual funds units |
-2,37,938 |
-3,07,485 |
|
(Increase)/Decrease in deposits with original
maturity of more than 3 months |
1,100 |
1,523 |
|
Interest income on fixed deposit & certificate
of deposit & TREPs |
726 |
560 |
|
Net Cash from Investing Activities |
1,850 |
2,140 |
|
Cash Flow from Financing Activities |
|
|
|
Proceeds from issue of share capital |
161 |
44 |
|
Proceeds from share application money pending
allotment |
152 |
22 |
|
Share Premium on issue of share capital |
623 |
106 |
|
Proceeds from Debt securities |
57,500 |
- |
|
Repayment of Debt securities |
-21,666 |
-39,809 |
|
Proceeds from Borrowings other than debt
securities |
1,06,500 |
1,16,620 |
|
Repayment of Borrowings other than debt
securities |
-71,466 |
-66,262 |
|
Increase/(Decrease) lease liabilities |
138 |
102 |
|
Interest on lease liabilities |
-72 |
-64 |
|
Net Cash from Financing Activities |
71,871 |
10,759 |
|
Net Increase in Cash & Cash Equivalents |
16,815 |
16,829 |
|
Opening Cash & Cash Equivalents |
44,334 |
27,505 |
|
Closing Cash & Cash Equivalents |
61,149 |
44,334 |
Summary
of the Cash Flow Statement for the years 2025 and 2024:
Operating Activity
The
company reported a significant negative net cash flow from operating activities
of ₹56,905 lakhs in FY 2025, compared to a positive ₹3,930 lakhs in FY 2024.
This adverse shift is primarily driven by a sharp increase in disbursement of
loans (₹80,619 lakhs outflow in FY 2025 vs. ₹27,085 lakhs in FY 2024), and
higher finance cost payments. Although there was an inflow from interest
received on loans (₹59,519 lakhs), it could not offset the higher working
capital and loan-related outflows. Overall, the company faced operational cash
pressure in FY 2025, possibly due to aggressive loan book expansion.
Investing Activity
Net
investing cash flow remained modestly positive at ₹1,850 lakhs in FY 2025
(₹2,140 lakhs in FY 2024). The major movement involved high volumes of sale and
purchase of mutual fund units and commercial papers, largely netting each other
out. A minor inflow from fixed deposit maturities and investment sales
contributed positively. The low investment in fixed assets (₹782 lakhs)
indicates a limited capital expenditure focus, likely due to the company’s
asset-light model.
Financing Activity
Cash
flow from financing activities increased sharply to ₹71,871 lakhs in FY 2025
from ₹10,759 lakhs in FY 2024. This was primarily due to fresh proceeds from
borrowings (₹106,500 lakhs) and debt securities (₹57,500 lakhs), which were
significantly higher than repayments. Equity infusion also increased
marginally. The financing activity reflects the company’s reliance on external
funding to support its loan growth and offset operating cash shortfalls.
Net Movement in Cash and Cash Equivalents
Despite the
negative cash from operations, the company recorded a net increase in cash and
cash equivalents of ₹16,815 lakhs in FY 2025, nearly identical to the ₹16,829
lakhs rise in FY 2024. This increase was made possible through strong financing
inflows, helping the company close FY 2025 with a cash balance of ₹61,149
lakhs, up from ₹44,334 lakhs. This reflects a liquidity buffer supported by
borrowing, rather than internal accruals.
|
Particulars |
2025 |
2024 |
|
Debt to
Equity |
2.59 |
2.33 |
|
Net profit
ratio |
19.99% |
22.5% |
Summary
of the financial ratios of Motilal Oswal Home Finance Limited for the year 2025 and 2024:
Debt to Equity Ratio:
The company’s debt-to-equity
ratio has increased from 2.33 to 2.59,
indicating greater financial leverage in FY 2025. This suggests the company is relying more on debt to
fund its operations and loan book expansion. While this can enhance returns, it
also raises financial risk and interest burden.
Net Profit Ratio:
