Manipal Housing Finance Syndicate Unlisted Shares
Manipal Housing Finance Syndicate Limited is a housing finance company from Manipal, Karnataka, registered with the National Housing Bank. It reported total income of ₹77.29 crore and profit after tax of ₹14.08 crore for FY26.
Read the full company profileManipal Housing Finance Syndicate share details
- Lot size
- 1,000 shares
- Min. investment
- ₹84,000
- Face value
- ₹10
- Implied market cap
- ₹71 Cr
- Shares outstanding
- 8,505,150
- Headquarters
- Manipal, Udupi, Karnataka
- Website
- manipalhousing.com
- ISIN
- INE03Y801013
- Lock-in after IPO
- 6 months
Manipal Housing Finance Syndicate share price chart
Indicative off-market dealer quotes, not exchange prices. A flat stretch means the quote did not change on those days.
About Manipal Housing Finance Syndicate
Strengths
- Profit for the year rose to ₹1,408.97 lakh in FY26 from ₹1,237.76 lakh in FY25, and basic EPS moved to ₹16.46 from ₹14.45.
- Capital adequacy ratio was 37.96% at 31 March 2026, with Tier I capital at 36.53%, which leaves a large cushion over regulatory needs.
- Net NPA was 0% at 31 March 2026 and gross NPA was 1.68%, so reported asset quality is clean.
- Liquidity coverage ratio was 335% on 31 March 2026 against the regulatory requirement of 100%.
- Net worth was ₹13,951.65 lakh at 31 March 2026 against ₹12,606.86 lakh a year earlier.
- Canara Bank, the successor to Syndicate Bank, is a promoter holding 7.05% and has a nominee on the Board.
Risks
- Net cash from operating activities was negative at ₹2,240.39 lakh in FY26 and ₹3,964.57 lakh negative in FY25, because loan growth is funded ahead of repayments.
- Finance costs were ₹4,072.63 lakh in FY26, a large part of the total expenses of ₹5,851.99 lakh, so profit is sensitive to borrowing rates.
- The company depends on borrowings: long term borrowings were ₹31,477.13 lakh and short term borrowings ₹12,030.04 lakh at 31 March 2026.
- Gross NPA rose to 1.68% at 31 March 2026 from 1.42% a year earlier.
- Part of the loan book is outside individual home loans, as individual housing finance was 58.55% of total assets, which adds exposure to other secured lending such as gold loans.
- The company operates mainly from coastal Karnataka, so a regional slowdown could affect disbursements.
- As a housing finance company it must follow NHB and RBI rules on provisioning, deposits and capital, and changes in these rules can raise costs.
- The shares are unlisted. Trades happen off-market at indicative prices, with low liquidity, and there is no stock exchange price discovery.
Manipal Housing Finance Syndicate financial performance
Revenue, profit and balance-sheet figures by fiscal year.
| Metric | FY26Latest | FY25 |
|---|---|---|
| Revenue (₹ Cr) | 74.44 | 62.62 |
| PAT (₹ Cr) | 14.09 | 12.38 |
| PAT Margin (%) | 18.93 | 19.77 |
| RoNW (%) | 10.10 | 9.82 |
| EPS (₹) | 16.46 | 14.45 |
| Total Assets (₹ Cr) | 602 | 561 |
| Net Worth (₹ Cr) | 140 | 126 |
Swipe the table sideways for earlier years →
Management team
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Manipal Housing Finance Syndicate unlisted shares: common questions
Important disclaimer
Unlisted shares are not traded on stock exchanges. Prices shown are indicative and based on off-market transactions; they may differ from eventual listing or future market prices. Exit liquidity depends on counter-party availability. SEBI mandates a 6-month lock-in on pre-IPO shares post-listing. Gains held beyond 24 months are taxed at 12.5% LTCG (no indexation). IPO Guru is not a SEBI Registered Investment Advisor. Information here is for general awareness, not personalised investment advice. Please consult your tax advisor before investing.
