🇮🇳 India

Aptus Value Housing Finance Last updated2026-05-28

Aptus Value Housing Finance EMI Calculator 2026 rates.

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Quick answer

Aptus Value Housing Finance home loan rate starts at 11% (typical 12.5%) as of 2026. A ₹50 lakh loan at 12.5% over 20 years = an EMI of approximately ₹56,807/month.

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EMI Calculator

Live

Loan Amount

₹

₹25.00 L

Interest Rate (p.a.)

Tenure (years)

Monthly EMI

₹21,696

/month

Total Interest

₹27.07 L

52% of total

Total Payable

₹52.07 L

over 20 years

Principal vs Interest Split

48% principal

52% interest

✨ Live · For home, personal, auto, education loans · Excludes processing fees

📊 Current rates

Aptus Value Housing Finance loan rates (May 2026)

🏠 Home Loan

11–16.5%

typical: 12.5% p.a.

💵 Personal Loan

12–18%

typical: 13.5% p.a.

🚗 Car Loan

9.5–13%

typical: 10.5% p.a.

💳 Processing Fee

1.0-2.0% of loan amount (min ₹3,500) for affordable home loans. Insurance and legal/technical charges separate.

🔁 Prepayment

Zero foreclosure on floating-rate individual home loans (RBI mandated). 4% on fixed-rate loans prepaid from non-own-source funds within 3 years.

About Aptus Value Housing Finance

Why choose Aptus Value Housing Finance?

Aptus Value Housing Finance, founded in 2009 by Anand Mahindra-associated and WestBridge Capital-backed promoters, is a leading South India-focused affordable-housing HFC. Listed on BSE/NSE in August 2021, Aptus operates ~280 branches concentrated in Tamil Nadu, Andhra Pradesh, Karnataka, and Telangana, with an AUM of approximately ₹8,000 crore as of FY26. Average ticket size is ₹8-9 lakh, with over 70% of borrowers being self-employed in the informal economy — small farmers, daily-wage earners, and small business owners. Aptus carries AA- ratings and has consistently been among the most profitable HFCs in India by return-on-assets (RoA 7-8%).

🎯 Unique angle

Aptus Value Housing is among the highest-RoA affordable HFCs in India (7-8%) due to its branch-led, deep-rural South India model where formal-sector competitors do not operate. Its informal-income underwriting is calibrated for borrowers earning ₹15,000-40,000 per month in cash.

Product highlights

✓ Aptus Home Loan (Self-Employed Affordable)
✓ Aptus Home Loan (Salaried)
✓ Home Improvement Loan
✓ Loan Against Property (LAP)
✓ Insurance-Linked Home Loan Package

❓ Aptus Value Housing Finance FAQ

Common questions.

How is Aptus different from a commercial bank or PSU home loan?

Aptus serves a borrower segment that banks cannot economically underwrite — self-employed informal-economy households in Tier-3 South Indian towns with monthly cash income of ₹15,000-40,000 and no formal income documents. Aptus uses field-based personal discussion, neighbour and reference verification, and cash-flow assessment instead of ITR-based underwriting. Loan tickets are typically ₹5-15 lakh, and rates are 300-500 bps higher than banks to compensate for credit and operational cost.

Who is the ideal Aptus borrower?

Aptus is ideal for first-time home buyers in semi-urban and rural Tamil Nadu, Andhra Pradesh, Karnataka, and Telangana, with informal cash incomes of ₹15,000-50,000 per month, seeking ticket sizes of ₹5-20 lakh. PMAY-eligible borrowers benefit from the 6.5% credit-linked subsidy on the first ₹6 lakh of the loan.

Is Aptus Value Housing Finance safe and credit-rated?

Yes — Aptus carries AA- ratings from ICRA and CARE, has been listed on BSE/NSE since August 2021, and maintains one of the highest capital adequacy ratios in the HFC industry (above 70%). Backed by WestBridge Capital and Westbridge AIF, regulated by RBI/NHB, and consistently profitable with industry-best RoA, Aptus has a clean credit track record with GNPA below 1.5%.

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