Manipal Housing Finance Syndicate

Reference Value (Not a Market Quote)

₹102

Company Reference Data (Informational Only)

Company Name

Scrip Name

Manipal Housing Finance Syndicate

ISIN No.

INE03Y801013

No. of Outstanding Shares

97,76,150

PAN No.

AABCM1714D

Face Value

₹10

EPS

₹12.66

PE ratio

8.06

P/S Ratio

1.54

Indicative Market Cap

₹99.72 Cr

Book value

₹128.96

P/BV

0.79

Approx. Annual Reference Range – High*

₹103 (24/03/26)

Approx. Annual Reference Range – Low*

₹75 (03/09/25)

*Source: Third-party OTC market data. Not sourced from any recognised stock exchange. Accuracy and timeliness not guaranteed.

DRHP Filed?

Available on

NSDL

ROFR Require

Sector

NBFC

Registration Date

01-06-1986

Official Website

—

Reference Value Context (Informational Only)

Reference value trend

Disclaimer: Prices shown are indicative and subject to change without notice based on market availability. This information does not constitute financial advice.Last updated: 1 Jun 2026

Face Value

₹10

Reference Value

₹102

Eligibility

Resident & NRI

Company Overview

Manipal Housing Finance Syndicate Limited is a Manipal, Karnataka based housing finance company incorporated in 1986. The company is registered as a housing finance company and focuses on housing loans, mortgage lending, jewel loans and public deposits.

Key Achievements

Completed FY2024-25 with gross income of INR 64.71 Cr.
Reported FY2025 profit after tax of INR 12.37 Cr, up from INR 11.54 Cr in FY2024.
Sanctioned INR 333.19 Cr of loans and disbursed INR 326.20 Cr during FY2024-25.
Outstanding loans stood at INR 527.94 Cr as of March 31, 2025.
Net owned funds increased to INR 124.80 Cr and CAR stood at 37.97% in FY2025.
Net NPA improved to 0% in FY2025 according to the annual report performance table.

Milestones

1986Manipal Housing Finance Syndicate Limited was incorporated.

2005Vijayalaxmi Pai Narayan joined the board as director according to the FY2024-25 directors list.

2009Thonse Pai Sunil was appointed as Executive Director / Whole-time Director.

2024FY2023-24 profit after tax was INR 11.54 Cr.

2025FY2024-25 profit after tax increased to INR 12.37 Cr and total outstanding loans reached INR 527.94 Cr.

202539th Annual General Meeting scheduled/held on September 12, 2025 at Manipal House, Manipal.

About the Company

MHFSL operates from Manipal House, Manipal and serves borrowers through branches in Karnataka. Its main business is extending housing loans for purchase, construction, repair and renovation of residential houses. It also extends loans against other properties and jewels and accepts public deposits.

Share Details

Outstanding Shares	97,76,150
Face Value	₹10 Per Equity Share
ISIN	INE03Y801013
Reference Value	₹102
PAN Number	AABCM1714D

Incorporation Details

GST Number	29AABCM1714D1ZW
Registration Date	01-06-1986
Category / Sub-Category	Company limited by shares / Non-government public company
Registered Office Address	Manipal House, Manipal - 576104, Udupi District, Karnataka, India

Board of Directors

Thonse Pai Sunil

Executive Director / Wholetime Director

Vijayalaxmi Pai Narayan

Non-Executive Director / Women Director

Nagesh Anant Shanbhag

Independent Director

Kalsanka Gokuldas Pai

Non-Executive Director

Raghuveera Shenoy

Independent Director

H K Gangadhar

Nominee Director, Canara Bank

Principal Business Activities

Name & Description of Main Products/Services	NIC Code	% to Total Turnover
Housing finance	65922	65.88%
Jewel loans	64920	18.33%
Mortgage loans and loans secured by property	64910	15%
Other financial and deposit-related activities	64990	0.79%

Shareholding Pattern

S.No.	Shareholder Name	No. of Shares	% of Total
1	Promoters	76,01,450	77.76%
2	Others	21,74,700	22.24%
—	Total	97,76,150	100%

Segment Revenue

Housing Finance

65.88%

Jewel Loan

18.33%

Mortgage Loan

15%

Other financial activities

0.79%

Industry Outlook

India's housing finance sector is supported by demand for residential housing, affordable housing, rising household formation, urbanization and improving access to formal credit. Rate cuts and stable inflation can improve affordability and support loan disbursements for housing finance companies. Key risks include interest-rate volatility, funding cost, asset quality, local real-estate cycles, loan concentration and regulatory requirements for housing finance companies.