Aptus Home Loan in Bangalore
Interest rates from 14% p.a. · EMI from ₹71,092/month for a ₹60L loan over 30 years. Updated for 2026.
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Quick EMI Estimate
Based on the average loan amount in Bangalore (₹60 lakh) at Aptus's minimum rate of 14% p.a.
Why choose Aptus Value Housing Finance for a home loan in Bangalore?
South-India-focused affordable-housing lender serving low-income, self-employed borrowers.
Bangalore's IT corridors drive housing demand. East and North zones offer the best appreciation prospects. Most tech professionals opt for 20-year tenures.
Popular Bangalore localities for home buyers
Bangalore's most active home-buying corridors are concentrated in these areas, where Aptus customers are typically funding 70–80% of property value:
Average property price (2BHK): ₹85 lakh · Per-sqft rate: ₹8,500
How much will you save by prepaying?
A ₹60 lakh Aptus home loan at 14% over 20 years means you pay roughly ₹1,19,06,640 in interest alone — almost as much as the principal itself.
A modest ₹10,000/month prepayment can shave 6–8 years off your tenure and save ₹15–25 lakh in interest. The NestSaver prepayment simulator shows you exactly how much, in seconds.
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Frequently Asked Questions
What is the Aptus home loan interest rate in Bangalore?
Aptus Value Housing Finance offers home loans in Bangalore starting at 14% p.a., going up to 16% p.a. depending on your CIBIL score, loan amount, and employment profile. The processing fee is Varies.
What is the EMI for a ₹60 lakh Aptus home loan in Bangalore?
For a ₹60 lakh loan from Aptus Value Housing Finance at 14% interest, the EMI is approximately ₹74,611 for 20 years, ₹72,226 for 25 years, and ₹71,092 for 30 years. Use the NestSaver calculator above for exact figures based on your loan amount and tenure.
How much home loan can I get from Aptus in Bangalore?
Aptus Value Housing Finance typically finances up to 80% of the property value as a home loan in Bangalore, subject to a maximum tenure of 20 years. Your eligibility depends on your monthly income, existing EMIs, and credit score (typically 750+ for the best rates).
What documents are required for Aptus home loan in Bangalore?
You will need identity proof (Aadhaar/PAN), address proof, last 3 months' salary slips, last 6 months' bank statements, Form 16 or ITR for 2 years, and property documents (sale agreement, NOC from builder/society, approved plan). Self-employed applicants need GST returns and business proof.
Is prepayment allowed on a Aptus home loan?
Yes. Under RBI guidelines, Aptus Value Housing Finance cannot charge any prepayment penalty on floating-rate home loans. You can make partial or full prepayments at any time to reduce your interest burden. Use the NestSaver prepayment simulator to see exactly how much you can save.
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