Aptus Value Housing Finance India was incorporated in 2009 with a singular, enduring mission: to extend formal home loans to self-employed, low and middle income, first time homebuying families in India’s semi urban and rural heartland households that are structurally excluded from mainstream banking because their income is real but undocumented.

It is a housing finance company registered with the National Housing Bank and is classified as a Middle Layer Non-Banking Financial Company (NBFC) by the Reserve Bank of India. The company was listed on BSE and National Stock Exchange of India on August 24, 2021.

The company offers customers home loans for the purchase and self-construction of residential property, home improvement and extension loans; loans against property; and business loans. The company has diversified its geographical presence by adopting a strategy of contiguous expansion across regions and focused on achieving deeper penetration in its existing markets.

The company was founded by one of its Promoter, Chairman and Managing Director, M. Anandan, and it commenced its operations pursuant to a certificate for commencement of business, dated June 25, 2010, issued by the Registrar of Companies, Tamil Nadu at Chennai (then known as Registrar of Companies, Tamil Nadu, Chennai, Andaman and Nicobar Islands). 

Business area of the company

The company is carrying on the business of providing long term housing finance to meet the housing needs of the low and middle-income segment in the country. The company is also engaged in providing loans for non-housing finance activities in the form of Loan Against Properties (LAP).

Products 

• Home Loans
• Loan Against Property (LAP)
• Insurance

Milestones

• 2009: Incorporation of the company 
• 2010: The company received the certificate of registration from the NHB on May 31, 2010. 
• 2011: Opened first branch.
• 2012: Opened 20th branch and crossed 1,200 home loan disbursements.
• 2013: Loan book crossed Rs 900 million.
• 2014: Loan book crossed Rs 2,500 million.
• 2015: Expanded geographical presence to four states and loan book crossed Rs 7,000 million.
• 2018: Opened 100th branch and loan book crossed Rs 14,000 million.
• 2019: Expanded geographical presence to 143 locations and loan book crossed Rs 20,000 million.
• 2020: Expanded geographical presence to 175 locations, customer base reached 50,200 and loan book crossed Rs 30,000 million.
• 2021: Expanded geographical presence to 191 locations, customer base reached 65,683 and loan book crossed Rs 40,000 million.
• 2021: Listed on BSE and NSE.
• 2025: Crossed Rs 10,000 crore AUM.
• 2025: 300th branch opened.
• 2026: AUM Rs 13,107 crore (26% CAGR FY21-FY26).
• 2026: 339 branches across 6 states & 1 UT.