Aptus Value Housing Finance India Ltd is a Home Loan Company. Aptus has been formed to primarily address the housing finance needs of self employed, Low and Middle Income Families primarily from semi urban and rural areas. Despite the vibrant growth of the housing finance sector especially over the past few years, India still has one of the most severe housing shortages today. The majority of India’s population and especially the self employed lower and middle income customers from rural and semi urban areas lack access to housing finance.