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Total Issue Size
Fresh Issue + Offer For Sale
Fresh Issue (FI)
Proceeds go to the company
Offer For Sale (OFS)
Proceeds go to the existing investors
Augmenting the capital base for future requirements
-
Meeting issue-related expenditures
-
Achieving share listing benefits on the stock exchanges
-
(₹ in Crore)
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Aptus Value Housing Finance India Limited is a retail-focused housing finance company serving low and middle-income, largely self-employed customers in the rural and semi-urban markets of South India. It offers home loans for purchase and self-construction, home improvement loans, loans against property and small business loans, mostly in the Rs 5-25 lakh ticket range. The company positions itself as one of the larger affordable-housing lenders in South India, with a customer base concentrated among borrowers with limited access to formal credit. As of its IPO, the large majority of its loan book served customers with monthly incomes below Rs 50,000. The IPO combined a fresh issue used to strengthen the company's capital base for future lending, with a larger offer for sale by existing investors including Westbridge Capital, Sequoia Capital and other private-equity backers.
Ahead of the public issue, Aptus raised about Rs 834 crore from 36 anchor investors at the upper end of the price band, including Nomura, Copthall Mauritius Investment, Steadview Capital Mauritius, Elara India Opportunities Fund, Edelweiss Mutual Fund, Axis Mutual Fund and DSP Mutual Fund.
Source: RHP • Analysis provided for informational purposes
Last Updated: 22 July 2026, 12:30 AM
Strong asset quality
Gross non-performing assets stood at a very low level as of the IPO, reflecting disciplined underwriting despite lending to underserved borrowers.
Well-capitalized with low leverage
A high capital adequacy ratio and low leverage relative to equity leave meaningful room to grow the loan book without near-term capital raising.
Fast, profitable growth
Assets under management and profit both compounded rapidly in the years leading up to the IPO, outpacing much of the housing finance sector.
Geographic concentration
The loan book is concentrated in just two southern states, leaving the business exposed to regional economic or regulatory shocks.
Higher-risk customer base
A large share of borrowers are first-time or self-employed customers with limited formal credit history, a segment that is inherently harder to underwrite.
Asset-liability tenure mismatch
Loans are extended over much longer terms than the company's typical funding tenure, creating ongoing refinancing and interest-rate risk.
Aptus Value Housing Finance India Limited
Company contact details are not available.
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