Aptus Value Housing Finance Home Loan
Interest rates from 14% p.a. (up to 16%) · EMI from ₹59,244/month on a ₹50L loan over 30 years. Rates as of June 2026.
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About Aptus Value Housing Finance home loans
South-India-focused affordable-housing lender serving low-income, self-employed borrowers.
Aptus home loan EMI table (14% p.a.)
Monthly EMI at Aptus's minimum rate. Tap any amount for the full breakdown.
How much interest will a Aptus loan cost?
A ₹50 lakh Aptus home loan at 14% over 20 years means about ₹99.22 L in total interest — on top of the ₹50 lakh you borrowed. Prepaying even ₹10,000/month can cut years off the loan and save several lakh in interest.
See your prepayment savings →Compare Aptus with other lenders →
Aptus home loan by city
Compare Aptus with similar lenders
| Lender | Min Rate | ₹50L · 20yr EMI |
|---|---|---|
| Aptus (this page) | 14% | ₹62,176 |
| AU SFB | 11% | ₹51,609 |
| Aavas | 11.3% | ₹52,634 |
| Motilal Oswal HF | 11.75% | ₹54,185 |
| Manappuram HF | 11.75% | ₹54,185 |
| Vastu HFC | 12.5% | ₹56,807 |
| India Shelter | 13% | ₹58,579 |
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Frequently Asked Questions
What is the Aptus Value Housing Finance home loan interest rate in 2026?
Aptus Value Housing Finance offers home loans starting at 14% p.a., going up to 16% p.a. depending on your CIBIL score, loan amount, and income profile. Rates are as of June 2026; confirm the current rate with the lender before applying.
What is the EMI for a ₹50 lakh Aptus home loan?
At 14% p.a., a ₹50 lakh Aptus home loan has an EMI of about ₹62,176 for 20 years — roughly ₹59,244 for 30 years and ₹66,587 for 15 years. Use the NestSaver calculator for your exact amount.
What is the processing fee and maximum tenure for a Aptus home loan?
Aptus Value Housing Finance's processing fee is Varies, with a maximum tenure of 20 years and funding of up to 80% of the property value (loan-to-value).
Is prepayment allowed on a Aptus home loan?
Yes. RBI rules prohibit prepayment penalties on floating-rate home loans, so you can prepay a Aptus home loan partially or fully at any time. The NestSaver prepayment simulator shows exactly how much interest and time you save.
Disclaimer: Interest rates shown are indicative, sourced as of June 2026, and the lowest published floating rate is typically reserved for borrowers with high credit scores. Actual rates depend on your profile, loan amount, and the property, and change frequently. Always confirm the current rate directly with Aptus Value Housing Finance before applying. NestSaver is an information and planning service, not a lender.