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Motilal Oswal Home Finance Limited (MOHFL) is a registered housing finance company, operating across 12 states in India. Backed by the trusted legacy of Motilal Oswal Financial Services Limited, it is known for strong governance, deep expertise, and execution excellence.

The company focuses on financial inclusion by providing long-term housing finance to lower-income families. It is registered with the Reserve Bank of India as a Housing Finance Company (HFC).

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Digital Documentation
Completely seamless, paperless experience that simplifies your journey and enables faster, more efficient loan approvals.
Fast Application Process
Benefit from a quick, streamlined application process designed to minimize delays and get your loan approved in the shortest possible time.
Loan without Income Proof
Access home financing with ease, even without formal income documentation, making home ownership more inclusive and achievable.
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Business Highlights

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MOHFL is a leading affordable housing finance franchise, driven by robust underwriting, strong liability management, a multi-layered technology stack, and an experienced leadership team.
Strong presence across 12 states, supported by a robust sourcing network and an efficient decentralized branch structure.
AUM stands at ₹5,379 Cr reflecting steady scale and growth.
Focused on building a granular retail book with wide geographic distribution while maintaining strong asset quality.
Diversified liability strategy backed by reputed lenders, ensuring stable and cost-effective funding.
Credit rating upgraded to AA+ (Stable Outlook) by ICRA.
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Our Key Person

People

Sukesh Bhowal

Managing Director & Chief Executive Officer

Sukesh Bhowal is the Chief Executive Officer (CEO) of Motilal Oswal Home Finance Limited (MOHFL). With a career spanning over 27 years, Sukesh has garnered extensive expertise in Business Management, Sales & Distribution, Retail Lending, Mortgage Lending, Real Estate Lending, and Retail Banking.

Before joining MOHFL, Sukesh held a prominent position at Read More

Sukesh Bhowal is the Chief Executive Officer (CEO) of Motilal Oswal Home Finance Limited (MOHFL). With a career spanning over 27 years, Sukesh has garnered extensive expertise in Business Management, Sales & Distribution, Retail Lending, Mortgage Lending, Real Estate Lending, and Retail Banking.

Before joining MOHFL, Sukesh held a prominent position at DCB Bank, where played a pivotal role in establishing and scaling up the Mortgages, Micro-Mortgages, Construction Finance, and Gold Loans segments. Sukesh has also made significant contributions to renowned organizations such as HDB Financial Services, Citibank, and HSBC.

Sukesh Bhowal is recognized for his strong track record of successfully expanding financial services businesses within the Indian financial sector. He has demonstrated a knack for effectively launching new ventures and driving their growth. Sukeshs academic qualifications include a Bachelor of Technology degree from IIT Bombay and a Post-Graduate Diploma in Management, specializing in marketing and finance, from IIM Lucknow.

As a dynamic and visionary leader, Sukesh has consistently delivered exceptional customer experiences throughout his career. In his role as CEO of MOHFL, he collaborates closely with Mr. Motilal Oswal, Group MD & CEO, Motilal Oswal Financial Services, to expand and enhance the Home finance companys operations. Sukeshs profound expertise, coupled with his passion for driving business growth, positions him as a valuable asset to Motilal Oswal Home Finance.

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LIFE AT MOHFL
At Motilal Oswal Home Finance Ltd. (MOHFL), we are committed to fostering a meritocratic culture.
Our team is a dynamic mix of young talent and seasoned professionals, creating a unique synergy of enthusiasm and experience.
This combination enables us to achieve our goal of co-creation while maintaining the right balance between on-the-job learning and infusing energy into the team. We firmly believe in the potential for growth and development at every level, and as such, we are dedicated to tailoring career paths for our employees based on their interests, knowledge, and demonstrated skills.

We seek individuals with strong personal values, a proactive mindset, customer-centric focus, passion, and high energy. These qualities help us cultivate a professional culture that is both enjoyable and results-driven. At MOHFL, you will collaborate with motivated, high-performing teams who are focused on delivering exceptional value to our customers. You will have the opportunity to learn from supportive and approachable leaders, as well as colleagues with deep industry expertise. This inclusive team culture offers a diverse network of skilled and committed professionals who are dedicated to helping you grow – and ultimately, to serving our clients.
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