Aptus Value Housing Finance Home Loan Interest Rate — 16th September 2026
Housing finance company
Here’s the home loan interest rate Aptus Value Housing Finance charges, taken from its own website on 16 September 2026: from 14.00% to 15.50%. We’ve set out the card as published, what decides where you land within it, and the EMI at each end.
Starting rate
14.00%
Top of published range
15.50%
Benchmark
PLR 17.25%
Effective from
Not published
Read from Aptus Value Housing Finance’s own website on 16 September 2026. Source and method
Aptus Value Housing Finance home loan interest rate card
Floating and fixed
Read this first
- Aptus’s most recent published disclosure of actual lending rates covers the quarter ended September 2024, and is too old to use.
| Type | Rate | PLR less spread |
|---|---|---|
| Floating | 14.00% – 15.50% | 3.25% – 1.75% |
| Fixed | 14.00% – 15.50% | 3.25% – 1.75% |
Aptus says rates may change based on credit checks, property papers and business vintage.
What Aptus Value Housing Finance’s interest rate card tells you
Aptus Value Housing Finance has the highest published floor of any lender we track, 14.00%, and its floating and fixed rates are identical — 14.00% to 15.50% either way. That means choosing a fixed rate costs nothing extra here, which is rare. Aptus says the final rate depends on credit checks, property papers and business vintage — the last of which only applies if you run a business. Its most recent public disclosure of rates actually charged dates from September 2024, so we don’t rely on it. On ₹15 lakh over 15 years — Aptus’s maximum term — 14% costs ₹5,205 a month more than 8.50%, which is the case for refinancing once you’ve built a repayment record.
Ranked by published starting rate, Aptus Value Housing Finance comes 48th of 48 — 18th within the 18 housing finance companies we track. Unlike a repo-linked bank loan, Aptus Value Housing Finance’s pricing follows its PLR — which Aptus Value Housing Finance can move independently of the RBI. Its starting rate sits 8.75 points over today’s 5.25% repo rate. Between the bottom and top of Aptus Value Housing Finance’s published range, the EMI on ₹15 lakh over 15 years moves by ₹1,534 a month — which is why the band you land in matters more than the headline.
EMI at Aptus Value Housing Finance’s home loan interest rate
EMI at 14.00%, Aptus Value Housing Finance’s published floor. Where a loan size has its own guide on BankCreds, the amount links to it.
| Loan amount | 10 years | 15 years | 15 yrs at 15.50% |
|---|---|---|---|
| ₹10 lakh | ₹15,527 | ₹13,317 | ₹14,340 |
| ₹20 lakh | ₹31,053 | ₹26,635 | ₹28,680 |
| ₹30 lakh | ₹46,580 | ₹39,952 | ₹43,020 |
| ₹45 lakh | ₹69,870 | ₹59,928 | ₹64,530 |
Reducing-balance EMI, before processing fees and insurance. Run your own numbers →
Aptus Value Housing Finance against lenders priced nearby
Aptus Value Housing Finance next to the lenders priced nearest to it. EMI is on ₹15 lakh over 15 years at each lender’s starting rate.
| Lender | Published rate | EMI, ₹15 lakh / 15 yrs | vs Aptus Value Housing Finance |
|---|---|---|---|
| Sundaram Home Finance Housing finance company | 10.65% onwards | ₹16,721 | −₹3,255/mo |
| Aadhar Housing Finance Housing finance company | 11.75% – 17.00% | ₹17,762 | −₹2,214/mo |
| Muthoot Homefin Housing finance company | 12.25% – 15.00% | ₹18,244 | −₹1,732/mo |
| Vastu Housing Finance Housing finance company | 12.50% – 19.50% | ₹18,488 | −₹1,488/mo |
| Aptus Value Housing Finance Housing finance company | 14.00% – 15.50% | ₹19,976 | — |
How to land near the bottom of Aptus Value Housing Finance’s range
- Since Aptus prices floating and fixed identically, a fixed rate gives you certainty at no extra interest cost here — but fixed-rate loans can carry prepayment charges that floating ones can’t, so check that first.
- Budget for somewhere between the floor and the middle of the range unless your profile is strong on every count. The floor is the best case, not the usual one.
- Read the sanction letter for the benchmark, the spread and how often the rate resets. Those three lines decide your EMI for the life of the loan far more than the day-one rate does.
Processing fee and other Aptus Value Housing Finance charges
| Processing fee | 2% of the sanctioned amount plus GST, and a ₹3,500 login fee plus GST. Both are non-refundable. On a ₹15 lakh loan, that comes to ₹30,000 — ₹33,500 with the login fee, before GST. |
|---|---|
| Prepayment and foreclosure | None on part payments, or on closing a floating-rate loan. Fixed-rate loans: none from your own funds; 4% of the outstanding if transferred. |
| Valuation | ₹1,500 up to ₹10 lakh; ₹2,000 above |
| Legal verification | ₹1,500 up to ₹10 lakh; ₹2,500 above |
| Late instalment | 12% a year on top of interest |
Source: Aptus Value Housing Finance’s own schedule of charges, read on 16 September 2026: https://www.aptusindia.com/schedule-of-charges/
Who can get a Aptus Value Housing Finance home loan
| Who can apply | No formal list is published. Aptus says it mainly lends to self-employed borrowers from low and middle-income families in semi-urban and rural areas. |
|---|---|
| Longest term | 15 years |
| Loan amount | From ₹5 lakh, up to 85% of property value |
Source: Aptus Value Housing Finance’s home loan page, read on 16 September 2026. Meeting these criteria doesn’t guarantee approval. https://www.aptusindia.com/home-loans/
Aptus Value Housing Finance home loan interest rate — common questions
What is Aptus Value Housing Finance’s home loan interest rate today?
How much does Aptus Value Housing Finance charge to process a home loan?
How long can a Aptus Value Housing Finance home loan run?
What decides where I fall in Aptus Value Housing Finance’s 14.00%–15.50% range?
How much is the monthly EMI on ₹15 lakh at Aptus Value Housing Finance?
Is the Aptus Value Housing Finance home loan interest rate floating or fixed?
How does Aptus Value Housing Finance compare with Vastu Housing Finance?
Where these figures come from
Source: Aptus Value Housing Finance’s own interest rate page, read by BankCreds on 16 September 2026: https://www.aptusindia.com/home-loans/
Aptus Value Housing Finance publishes no effective date for this rate, so we don’t show one.
We began recording Aptus Value Housing Finance’s home loan rates on 16 September 2026, and any change will be logged against that date as we detect it. Fees and eligibility come from Aptus Value Housing Finance’s own schedule of charges and home loan pages, with the full address printed in those sections — never from third-party sites.
Rates are what Aptus Value Housing Finance publishes, not an offer: the rate you’re quoted is set by Aptus Value Housing Finance after it assesses your application. How we collect and check rates →