What we do Aptus Value Housing Finance India Ltd is a retail-focused housing finance company providing long-term home and small business loans to low and middle-income self-employed customers in rural and semi-urban India. |
Founded in 2,009 |
Market share Leading housing finance provider in South India with expanding presence in other states, serving over 1.7 lakh customers and managing ₹12,330 Cr AUM as of 2026. |
Problem solved Addresses housing and small business funding gaps for low and middle-income self-employed individuals in underserved semi-urban and rural areas. |
Top clients or who we serve Primarily self-employed low and middle-income customers in Tier 2, 3, and 4 cities; B2C focused. |
Key management P. Balaji - Managing Director with 30+ years in financial services; M. Anandan - Executive Chairman and founder with strong promoter background. |
Our journey and innovations Incorporated in 2009, grew AUM from ₹846 Cr in 2017 to ₹12,330 Cr in 2026; launched fully digital loan origination systems; expanded to 335 branches across six states and one UT. |
Where we operate Operations in six Indian states including Tamil Nadu, Andhra Pradesh, Telangana, Karnataka, Maharashtra, Odisha, and one Union Territory. |
Top products or what we offer Home loans primarily for first-time buyers, quasi-home loans, small business loans with average ticket sizes ₹8-20 lakh and average tenure around 9-10 years. |
Top brands Aptus offers secure home loans and small business loans catering to low-income segments; recognized for technology-driven, paperless processes and strong asset quality. |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue primarily from interest income on loans; largely recurring with steady disbursements and repayments. |
Our industry position Among market leaders in South India’s retail housing finance sector, with AA- credit ratings and strong asset quality indicators. |
Financial highlights FY25 revenue ₹1,750 Cr; net profit ₹751 Cr; AUM ₹10,865 Cr; RoE 18.76%; 25% CAGR in AUM over five years. |
Geographical revenue split Majority revenue from Tamil Nadu, Andhra Pradesh, Telangana, Karnataka with growing presence in Maharashtra and Odisha. |
Order book - |
Whats driving growth Expansion into new states, technology adoption for underwriting, increased AUM, diversified borrowing sources, and rising homeownership demand. |
Our future plans Focus on contiguous geographic expansion, channel diversification, higher ticket lending, and further digital enhancements. |
Our green promise Adoption of digital agreements and collections to reduce paper usage; commitment to responsible lending and sustainability. |
Our people and values Over 3,800 employees, emphasis on inclusivity, employee ownership via ESOPs, training, and low attrition rates. |
Key challenges ahead Managing asset quality amid market volatility, maintaining diversified funding with liquidity challenges, and competitive pressures. |
Interesting facts Pioneered a mobile-first fully digital loan origination platform with over 92% digital agreement adoption and 94% digital collections. |
Risks and strategy Risks include credit risk and liquidity constraints mitigated by strong risk management, diversified borrowing, and robust governance. |
