Aptus Value Housing Finance India

What Aptus Value Housing Finance India does

Aptus Value Housing Finance India is a publicly listed Indian housing finance company (NSE: APTUS) founded in 2009 and headquartered in Chennai. It serves self-employed, low- and middle-income borrowers in rural and semi-urban markets who are underserved by banks and large HFCs, with a loan book spanning Home Loans (Rs 5-25 lakhs), Loan Against Property (up to Rs 30 lakhs), and Insurance Services distributed as cross-sell products.

The company operates a direct-sales, no-DSA origination model through 339 branches across six states — Tamil Nadu, Karnataka, Andhra Pradesh, Telangana, Maharashtra, and Odisha — supported by 3,807 employees and an in-house collections function. Pricing is in the 14-15.50% band, reflecting the elevated credit and operational costs of serving informal-income borrowers; the model is funded through a mix of equity (including WestBridge Capital as a long-standing investor), bank lines, and capital-market instruments such as the approved Rs 3,000 crore NCD program. It carries an AA (Stable) rating from both ICRA and CARE.

In FY26, Aptus reported AUM of Rs 13,107 crore (21% YoY growth), total income of Rs 2,246 crore (25% YoY), and net profit of Rs 943 crore (26% YoY), with Gross NPA contained at 1.52%. Leadership includes founder M. Anandan as Executive Chairman and Balaji P as Managing Director, supported by a board with former SBI Managing Directors and RBI veterans, lending institutional credibility to a still-founder-anchored governance structure.

Name

Aptus Value Housing Finance India

Legal name

Aptus Value Housing Finance India Limited

Website

https://aptusindia.com

Company type

Public

Founded year

2009

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Aptus Value Housing Finance India is a Chennai-headquartered, publicly listed housing finance company providing home loans, loan against property, and insurance to self-employed low- and middle-income borrowers across rural and semi-urban India via 339 branches in six states.

Ownership category

akta.pro rank

Product category

Affordable Housing Finance

NAICS

Real Estate Credit (522292), Nondepository Credit Intermediation (5222)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination (FSALAAAM)

Keywords

• Affordable housing finance
• Home loans
• Loan against property
• Rural housing finance
• Micro housing loans

Headquarters

HQ city

Chennai

HQ country

India

HQ region

Asia

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income on Housing Loans: Aptus Value Housing Finance generates revenue primarily through interest income on home loans and loans against property extended to self-employed low and middle income customers in rural and semi-urban India. The company offers loans ranging from Rs. 5-25 lakhs with interest rates between 14.00%-15.50% (floating and fixed options). Revenue is also supplemented by processing fees, insurance commission (as IRDAI-registered corporate agent), and other loan-related charges.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Aptus Value Housing Finance India provides affordable housing finance to self-employed low and middle income families in rural and semi-urban India through home loans (Rs. 5–25 lakhs, up to 15 years) and loans against property (up to Rs. 30 lakhs). The company employs a direct field sales model where all loan origination to disbursement is handled in-house by Aptus staff, with no agents or DSAs, serving over 188,000 customers across 339 branches in 6 states.

Product overview

Aptus Value Housing Finance India is an affordable housing finance company offering three core products: Home Loans (for construction, purchase, renovation, extension, and plot purchase ranging from Rs 5-25 lakhs with up to 15-year tenure), Loan Against Property (for refinancing construction/purchase costs up to Rs 30 lakhs), and Insurance Services (credit shield and property insurance as an IRDAI-registered corporate agent). The company primarily serves self-employed low and middle-income families in semi-urban and rural markets across six states in India.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Loans Primary housing finance product offering loans of Rs 5-25 lakhs for home construction, purchase, renovation, extension, and plot purchase, with up to 15-year tenure and funding up to 85% of property value. Targeted at self-employed low and middle income families in rural and semi-urban markets.
• Loan Against Property (LAP) Secured loans for refinancing funds used for construction or purchase of a house, offered as LAP for Construction and LAP for Purchase with loan amounts up to Rs 30 lakhs and tenure ranging from 5 to 15 years. Targeted at self-employed individuals seeking property-backed financing.
• Insurance Services Credit shield insurance and property insurance products offered through Aptus's IRDAI-registered corporate agency (Certificate of Registration number CA1013 valid till 23.12.2027) under a Composite Corporate Agent license covering both Life and Non-Life Insurance. Enables housing loan customers to protect their loans and properties.

Quantifiable outcome

• AUM grew 21% YoY to Rs 13,107 crore in FY26; guides for 22-24% AUM growth in FY27
• +3 more outcomes

Named customers2 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Tata Aig General InsurancemajorTechnology or IntegrationTata Aig is an insurance partner offering credit shield insurance and property insurance products to Aptus customers through the company's IRDAI-registered corporate agency.

Scale indicators8 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Home First Finance Company India: Listed Indian affordable housing finance company serving the same self-employed, LMI borrower segment in Tier II/III markets. Directly comparable business model and target customer profile.
• Aadhar Housing Finance: One of India's largest affordable housing finance companies with an LMI focus and similar geographic concentration in southern and western states. Closely comparable underwriting philosophy and ticket sizes.
• India Shelter Finance Corporation: Listed affordable housing finance company focused on self-employed borrowers in Tier II/IV markets. Highly comparable loan ticket sizes, customer profile, and growth trajectory.
• Repco Home Finance: Smaller HFC focused on salaried and self-employed borrowers in Tier II/III markets of South India. Similar ticket sizes and regional concentration to Aptus, though with a more conservative customer mix.
• IIFL Home Finance (360 ONE Home Finance): Affordable housing finance arm focused on self-employed LMI borrowers in semi-urban and rural markets. Closely comparable target segment and branch-led distribution model.

Broad incumbents

• Can Fin Homes: Long-established HFC with a broader salaried and self-employed customer base. Comparable housing finance products but a wider geographic footprint and more diversified borrower mix.
• PNB Housing Finance: Large HFC with a broader salaried and self-employed customer base across India. Overlapping in the affordable segment but operates at materially larger scale and with different funding profile.
• LIC Housing Finance: Largest HFC in India with a pan-India salaried and prime borrower book. Overlaps with Aptus in the affordable housing segment but at vastly larger scale and with different risk profile.
• Bajaj Housing Finance: Recently listed HFC with a growing self-employed and salaried mix across India. Directly competes in affordable housing but operates at significantly larger scale and broader geographic footprint.
• HDFC Bank (post HDFC Ltd merger): India's largest mortgage originator after absorbing HDFC Ltd. Competes in the affordable housing segment through priority-sector lending, but anchored by prime salaried customers and balance-sheet scale unavailable to Aptus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCz8X3tGhLN5LQUuxhQ5L8xw
• Facebookfacebook.com/aptusindia
• LinkedInlinkedin.com/company/aptus-value-housing-finance-india-limited
• Instagraminstagram.com/aptusindia
• Xx.com/aptusindia

Revenue estimate

Valuation estimate

Number of profiles

Profiles17 records

Subsidiaries1 record

Funding overview

Funding rounds5 records

Investors10 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Aptus Value Housing Finance India