{"id":301576,"date":"2026-10-12T11:42:30","date_gmt":"2026-10-12T06:12:30","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=301576"},"modified":"2026-10-12T11:42:30","modified_gmt":"2026-10-12T06:12:30","slug":"home-and-consumer-loan-lender-stocks-roadmap-picks-2027","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/home-and-consumer-loan-lender-stocks-roadmap-picks-2027\/","title":{"rendered":"3 Home and Consumer Loan Lender Stocks With a Strong Future Roadmap: Aptus Value Housing Finance India, Tata Capital and Bajaj Finance"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>Aptus Rs 215.73, P\/E 11.03. Tata Capital Rs 318.70, P\/E 24.41. Bajaj Finance Rs 960.00, P\/E 28.77. Closing prices of 9 Oct 2026.<\/em><\/p>\n<div style=\"background:#F0F9FF;border-left:4px solid #2E7D32;border-radius:6px;padding:14px 18px;margin:18px 0;\">\n<p style=\"margin:0;color:#1F4E79;font-size:14px;\"><strong>Quick Answer<\/strong><\/p>\n<p style=\"margin:8px 0 0;\">Home and consumer loan lender stocks with the clearest long-term roadmaps today include Aptus in self-employed home loan focus, Tata Capital in diversified loan mix and Bajaj Finance in consumer and business lending base. FY26 revenue growth was 24.9% at Aptus, 11.3% at Tata Capital and 19.1% at Bajaj Finance. P\/E stands at 11.03 for Aptus (industry 17.72), 24.41 for Tata Capital (industry 17.72) and 28.77 for Bajaj Finance (industry 17.72). Demand cycles, input costs and valuation decide how much of that growth the market keeps paying for, so each company&#8217;s risks need equal attention.<\/p>\n<\/p><\/div>\n<p>Home and consumer loan lender stocks give investors exposure to home loans, personal loans and consumer finance. Loan growth, funding costs and credit quality decide how much of that demand turns into profit.<\/p>\n<p>This list covers three home and consumer loan lender stocks: Aptus Value Housing Finance India for self-employed home loan focus, Tata Capital for diversified loan mix and Bajaj Finance for consumer and business lending base. Every figure comes from the latest reported financials and the 9 October 2026 market close. Companies without complete current figures were left out.<\/p>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&#038;utm_medium=home-and-consumer-loan-lender-stocks-roadmap-picks-2027\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/home-and-consumer-loan-lender-stocks-roadmap-picks-2027\/#What_Are_Home_and_Consumer_Loan_Lender_Stocks\" title=\"What Are Home and Consumer Loan Lender Stocks?\">What Are Home and Consumer Loan Lender Stocks?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/home-and-consumer-loan-lender-stocks-roadmap-picks-2027\/#Home_and_Consumer_Loan_Lender_Stocks_at_a_Glance\" title=\"Home and Consumer Loan Lender Stocks at a Glance\">Home and Consumer Loan Lender Stocks at a Glance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/home-and-consumer-loan-lender-stocks-roadmap-picks-2027\/#Why_Do_Home_and_Consumer_Loan_Lender_Stocks_Have_a_Strong_Roadmap_in_India\" title=\"Why Do Home and Consumer Loan Lender Stocks Have a Strong Roadmap in India?\">Why Do Home and Consumer Loan Lender Stocks Have a Strong Roadmap in India?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/home-and-consumer-loan-lender-stocks-roadmap-picks-2027\/#Aptus_Value_Housing_Finance_India_Affordable_Home_Loans_Drive_the_Pipeline\" title=\"Aptus Value Housing Finance India: Affordable Home Loans Drive the Pipeline\">Aptus Value Housing Finance India: Affordable Home Loans Drive the Pipeline<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/home-and-consumer-loan-lender-stocks-roadmap-picks-2027\/#Tata_Capital_A_Diversified_Loan_Mix_Drives_the_Pipeline\" title=\"Tata Capital: A Diversified Loan Mix Drives the Pipeline\">Tata Capital: A Diversified Loan Mix Drives the Pipeline<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/home-and-consumer-loan-lender-stocks-roadmap-picks-2027\/#Bajaj_Finance_Consumer_and_Business_Lending_Build_the_Next_Leg\" title=\"Bajaj Finance: Consumer and Business Lending Build the Next Leg\">Bajaj Finance: Consumer and Business Lending Build the Next Leg<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/home-and-consumer-loan-lender-stocks-roadmap-picks-2027\/#Best_Home_and_Consumer_Loan_Lender_Stocks_in_India_Aptus_vs_Tata_Capital_vs_Bajaj_Finance_on_Key_Financials\" title=\"Best Home and Consumer Loan Lender Stocks in India: Aptus vs Tata Capital vs Bajaj Finance on Key Financials\">Best Home and Consumer Loan Lender Stocks in India: Aptus vs Tata Capital vs Bajaj Finance on Key Financials<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/home-and-consumer-loan-lender-stocks-roadmap-picks-2027\/#How_to_Evaluate_Home_and_Consumer_Loan_Lender_Stocks_to_Buy_Before_You_Invest\" title=\"How to Evaluate Home and Consumer Loan Lender Stocks to Buy Before You Invest\">How to Evaluate Home and Consumer Loan Lender Stocks to Buy Before You Invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/home-and-consumer-loan-lender-stocks-roadmap-picks-2027\/#Risks_to_Consider_Before_Investing_in_Home_and_Consumer_Loan_Lender_Stocks\" title=\"Risks to Consider Before Investing in Home and Consumer Loan Lender Stocks\">Risks to Consider Before Investing in Home and Consumer Loan Lender Stocks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/home-and-consumer-loan-lender-stocks-roadmap-picks-2027\/#Final_Take_Which_Stock_Has_the_Strongest_Roadmap\" title=\"Final Take: Which Stock Has the Strongest Roadmap?\">Final Take: Which Stock Has the Strongest Roadmap?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/home-and-consumer-loan-lender-stocks-roadmap-picks-2027\/#FAQs_on_Home_and_Consumer_Loan_Lender_Stocks\" title=\"FAQs on Home and Consumer Loan Lender Stocks\">FAQs on Home and Consumer Loan Lender Stocks<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/home-and-consumer-loan-lender-stocks-roadmap-picks-2027\/#Which_are_the_best_home_and_consumer_loan_lender_stocks_in_India_with_a_strong_roadmap\" title=\"Which are the best home and consumer loan lender stocks in India with a strong roadmap?\">Which are the best home and consumer loan lender stocks in India with a strong roadmap?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/home-and-consumer-loan-lender-stocks-roadmap-picks-2027\/#Is_Aptus_Value_Housing_Finance_India_a_good_stock_to_buy_now\" title=\"Is Aptus Value Housing Finance India a good stock to buy now?\">Is Aptus Value Housing Finance India a good stock to buy now?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/home-and-consumer-loan-lender-stocks-roadmap-picks-2027\/#What_is_the_PE_ratio_of_Aptus_Tata_Capital_and_Bajaj_Finance\" title=\"What is the P\/E ratio of Aptus, Tata Capital and Bajaj Finance?\">What is the P\/E ratio of Aptus, Tata Capital and Bajaj Finance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/home-and-consumer-loan-lender-stocks-roadmap-picks-2027\/#Which_of_these_home_and_consumer_loan_lender_stocks_has_the_highest_return_on_equity\" title=\"Which of these home and consumer loan lender stocks has the highest return on equity?\">Which of these home and consumer loan lender stocks has the highest return on equity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/home-and-consumer-loan-lender-stocks-roadmap-picks-2027\/#What_are_the_risks_of_investing_in_home_and_consumer_loan_lender_stocks\" title=\"What are the risks of investing in home and consumer loan lender stocks?\">What are the risks of investing in home and consumer loan lender stocks?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/home-and-consumer-loan-lender-stocks-roadmap-picks-2027\/#How_did_Aptus_Tata_Capital_and_Bajaj_Finance_perform_in_Q1_FY27\" title=\"How did Aptus, Tata Capital and Bajaj Finance perform in Q1 FY27?\">How did Aptus, Tata Capital and Bajaj Finance perform in Q1 FY27?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/univest.in\/blogs-2\/home-and-consumer-loan-lender-stocks-roadmap-picks-2027\/#Do_home_and_consumer_loan_lender_stocks_pay_dividends\" title=\"Do home and consumer loan lender stocks pay dividends?\">Do home and consumer loan lender stocks pay dividends?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/univest.in\/blogs-2\/home-and-consumer-loan-lender-stocks-roadmap-picks-2027\/#How_can_I_invest_in_home_and_consumer_loan_lender_stocks_in_India\" title=\"How can I invest in home and consumer loan lender stocks in India?\">How can I invest in home and consumer loan lender stocks in India?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Home_and_Consumer_Loan_Lender_Stocks\"><\/span><strong>What Are Home and Consumer Loan Lender Stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Home and consumer loan lender stocks are shares of companies that lend to households for homes, purchases and personal needs. Results depend on loan growth, funding costs and credit quality, so funding costs and credit quality separate the stronger names.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Home_and_Consumer_Loan_Lender_Stocks_at_a_Glance\"><\/span><strong>Home and Consumer Loan Lender Stocks at a Glance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The table compares size, valuation, return on equity and debt for the three home and consumer loan lender stocks as of the 9 Oct 2026 close.<\/p>\n<div style=\"overflow-x:auto;\">\n<table style=\"border-collapse:collapse;width:100%;\">\n<tr>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Company<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">CMP (Rs)<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Market Cap (Rs Cr)<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">P\/E<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Industry P\/E<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">ROE<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Debt to Equity<\/th>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/aptus\/aptus-value-housing-finance-india-ltd-share-price-today\">Aptus Value Housing Finance India<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">215.73<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10,863<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">11.03<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.72<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">18.64%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1.56<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/tatacap\/tata-capital-ltd-share-price-today\">Tata Capital<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">318.70<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">133,756<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">24.41<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.72<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10.57%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5.15<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/bajfinance\/bajaj-finance-ltd-share-price-today\">Bajaj Finance<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">960.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">593,956<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">28.77<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.72<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">16.68%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3.82<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Among retail lending stocks, Tata Capital and Bajaj Finance trade at a premium to the industry P\/E, while Aptus trades at a discount.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_Home_and_Consumer_Loan_Lender_Stocks_Have_a_Strong_Roadmap_in_India\"><\/span><strong>Why Do Home and Consumer Loan Lender Stocks Have a Strong Roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Home and consumer loan lender stocks have a strong roadmap in India because household incomes are rising, buying on credit is becoming common and digital tools help lenders reach new customers. Three drivers stand out.<\/p>\n<ul>\n<li><strong>Consumer credit demand:<\/strong> Spending on durables, vehicles and personal needs is rising with incomes.<\/li>\n<li><strong>Home loan demand:<\/strong> Self-employed and first-time buyers are expanding the home loan market.<\/li>\n<li><strong>Digital reach:<\/strong> Apps and data tools help lenders find and assess new borrowers.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Aptus_Value_Housing_Finance_India_Affordable_Home_Loans_Drive_the_Pipeline\"><\/span><strong>Aptus Value Housing Finance India: Affordable Home Loans Drive the Pipeline<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Aptus&#8217; roadmap rests on home loans for self-employed and low-income households, mainly in South India, with a focused customer segment supporting steady loan growth.<\/p>\n<p>Revenue grew from Rs 840.22 crore in FY22 to Rs 2,245.48 crore in FY26, a 167.2% rise, and FY26 revenue was 24.9% higher than FY25. FY26 net profit rose 25.5% to Rs 942.94 crore. Over four years, net profit rose from Rs 370.14 crore in FY22 to Rs 942.94 crore. In Q1 FY27, revenue grew 15.2% to Rs 610.66 crore, and net profit rose 19.0% to Rs 260.94 crore.<\/p>\n<p>Debt to equity is 1.56 and return on equity is 18.64%. Aptus paid a dividend of Rs 4.5 per share for FY26, a yield of 2.07%. At a P\/E of 11.03 against an industry P\/E of 17.72, the stock trades below its industry multiple.<\/p>\n<p>What to watch: The P\/E of 11.03 against an industry P\/E of 17.72 leaves valuation less stretched, so the next quarters&#8217; growth is the figure to follow.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tata_Capital_A_Diversified_Loan_Mix_Drives_the_Pipeline\"><\/span><strong>Tata Capital: A Diversified Loan Mix Drives the Pipeline<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Tata Capital&#8217;s roadmap rests on lending to retail, SME and corporate borrowers across personal, vehicle, home and business loans, with a diversified loan mix supporting growth.<\/p>\n<p>Revenue grew from Rs 10,311.41 crore in FY22 to Rs 31,582.62 crore in FY26, a 206.3% rise, and FY26 revenue was 11.3% higher than FY25. FY26 net profit rose 33.8% to Rs 4,890.91 crore. Over four years, net profit rose from Rs 1,800.81 crore in FY22 to Rs 4,890.91 crore. In Q1 FY27, revenue grew 14.7% to Rs 8,825.38 crore, and net profit rose 56.4% to Rs 1,628.18 crore.<\/p>\n<p>Debt to equity is 5.15 and return on equity is 10.57%. Tata Capital paid a dividend of Rs 0.57 per share for FY26, a yield of 0.18%. At a P\/E of 24.41 against an industry P\/E of 17.72, the stock trades above its industry multiple.<\/p>\n<p>What to watch: The P\/E of 24.41 sits above the industry P\/E of 17.72, so earnings delivery matters for the valuation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bajaj_Finance_Consumer_and_Business_Lending_Build_the_Next_Leg\"><\/span><strong>Bajaj Finance: Consumer and Business Lending Build the Next Leg<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bajaj Finance&#8217;s roadmap rests on consumer, small business and mortgage lending, along with a large customer base and a fast-growing digital platform, with cross-selling to existing customers supporting loan growth.<\/p>\n<p>Revenue grew from Rs 31,640.41 crore in FY22 to Rs 81,989.50 crore in FY26, a 159.1% rise, and FY26 revenue was 19.1% higher than FY25. FY26 net profit rose 15.2% to Rs 19,332.36 crore. Over four years, net profit rose from Rs 7,028.23 crore in FY22 to Rs 19,332.36 crore. In Q1 FY27, revenue grew 18.6% to Rs 23,166.42 crore, and net profit rose 27.6% to Rs 6,080.60 crore.<\/p>\n<p>Debt to equity is 3.82 and return on equity is 16.68%. Bajaj Finance paid a dividend of Rs 6 per share for FY26, a yield of 0.63%. At a P\/E of 28.77 against an industry P\/E of 17.72, the stock trades above its industry multiple.<\/p>\n<p>What to watch: The P\/E of 28.77 sits above the industry P\/E of 17.72, so earnings delivery matters for the valuation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Best_Home_and_Consumer_Loan_Lender_Stocks_in_India_Aptus_vs_Tata_Capital_vs_Bajaj_Finance_on_Key_Financials\"><\/span><strong>Best Home and Consumer Loan Lender Stocks in India: Aptus vs Tata Capital vs Bajaj Finance on Key Financials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the best home and consumer loan lender stocks in India, Aptus leads on FY26 revenue growth and return on equity; Tata Capital leads on Q1 FY27 net profit growth and FY26 net profit growth; Bajaj Finance leads on Q1 FY27 revenue growth. The table puts the numbers side by side.<\/p>\n<div style=\"overflow-x:auto;\">\n<table style=\"border-collapse:collapse;width:100%;\">\n<tr>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Metric<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Aptus<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Tata Capital<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Bajaj Finance<\/th>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 revenue (Rs Cr)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">2,245.48<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">31,582.62<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">81,989.50<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 revenue growth<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">24.9%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">11.3%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">19.1%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 net profit (Rs Cr)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">942.94<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">4,890.91<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">19,332.36<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 net profit growth<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">25.5%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">33.8%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">15.2%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Q1 FY27 revenue growth (YoY)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">15.2%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">14.7%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">18.6%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Q1 FY27 net profit growth (YoY)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">19.0%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">56.4%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">27.6%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Return on equity<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">18.64%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10.57%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">16.68%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">P\/E ratio<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">11.03<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">24.41<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">28.77<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Debt to equity<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1.56<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5.15<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3.82<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Dividend yield<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">2.07%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.18%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.63%<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Lender earnings follow loan growth, funding costs and credit quality, so full-year numbers and quarterly trends together give a better view.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Evaluate_Home_and_Consumer_Loan_Lender_Stocks_to_Buy_Before_You_Invest\"><\/span><strong>How to Evaluate Home and Consumer Loan Lender Stocks to Buy Before You Invest<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A short checklist keeps the research consistent when you screen home and consumer loan lender stocks and shortlist home and consumer loan lender stocks to buy.<\/p>\n<ol>\n<li>Compare each stock&#8217;s P\/E with its industry P\/E, which is 17.72 for all three here.<\/li>\n<li>Check how credit costs have moved across years, because a growing book needs steady repayment trends.<\/li>\n<li>Check whether revenue growth is turning into profit growth, not only sales.<\/li>\n<li>Read loan growth against funding costs to see how growth is financed.<\/li>\n<li>Watch debt to equity and interest cover before sizing a position.<\/li>\n<li>Spread exposure across companies and business lines instead of one demand cycle.<\/li>\n<\/ol>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Check the Univest Screener for live data on these home and consumer loan lender stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_to_Consider_Before_Investing_in_Home_and_Consumer_Loan_Lender_Stocks\"><\/span><strong>Risks to Consider Before Investing in Home and Consumer Loan Lender Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Valuation:<\/strong> Bajaj Finance trades at 28.77 times earnings against an industry multiple of 17.72.<\/li>\n<li><strong>Interest rate cycles:<\/strong> Changes in policy rates can move borrowing costs and lending spreads.<\/li>\n<li><strong>Household debt levels:<\/strong> Higher borrowing can strain repayments if incomes slow.<\/li>\n<li><strong>Quarterly trends:<\/strong> A single weak quarter can change near-term earnings, so track results every quarter.<\/li>\n<\/ul>\n<p style=\"margin-top:24px;\"><em>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&#038;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track Aptus, Tata Capital and Bajaj Finance live.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Final_Take_Which_Stock_Has_the_Strongest_Roadmap\"><\/span><strong>Final Take: Which Stock Has the Strongest Roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>These three retail lending stocks cover a South India housing lender, a diversified lender and a large consumer finance company. Aptus leads on FY26 revenue growth and return on equity; Tata Capital leads on Q1 FY27 net profit growth and FY26 net profit growth; Bajaj Finance leads on Q1 FY27 revenue growth.<\/p>\n<p>Across home and consumer loan lender stocks, each roadmap still has to turn growth into steady profit, so independent research and position sizing matter. Investors should consult a SEBI-registered advisor before acting on any of the home and consumer loan lender stocks to buy discussed here.<\/p>\n<div style=\"background:#CC0000;border-radius:8px;padding:16px 20px;margin:24px 0;\">\n<p style=\"color:#FFFFFF;font-size:13px;line-height:1.7;margin:0;\"><strong style=\"color:#FFFFFF;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/p><\/div>\n<h2><span class=\"ez-toc-section\" id=\"FAQs_on_Home_and_Consumer_Loan_Lender_Stocks\"><\/span><strong>FAQs on Home and Consumer Loan Lender Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Which_are_the_best_home_and_consumer_loan_lender_stocks_in_India_with_a_strong_roadmap\"><\/span><strong>Which are the best home and consumer loan lender stocks in India with a strong roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Aptus Value Housing Finance India, Tata Capital and Bajaj Finance stand out for their roadmaps in a South India housing lender, a diversified lender and a large consumer finance company. FY26 revenue growth was 24.9% at Aptus, 11.3% at Tata Capital and 19.1% at Bajaj Finance, and return on equity ranges from 10.57% to 18.64%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Aptus_Value_Housing_Finance_India_a_good_stock_to_buy_now\"><\/span><strong>Is Aptus Value Housing Finance India a good stock to buy now?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Aptus Value Housing Finance India has a debt to equity ratio of 1.56, a return on equity of 18.64% and a P\/E of 11.03 against an industry P\/E of 17.72. Valuation, funding costs and credit quality move results. This article is not investment advice, so consult a SEBI-registered advisor before deciding.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_PE_ratio_of_Aptus_Tata_Capital_and_Bajaj_Finance\"><\/span><strong>What is the P\/E ratio of Aptus, Tata Capital and Bajaj Finance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The P\/E ratio is 11.03 for Aptus (industry 17.72), 24.41 for Tata Capital (industry 17.72) and 28.77 for Bajaj Finance (industry 17.72). Only Tata Capital and Bajaj Finance trade at or above the industry multiple.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_of_these_home_and_consumer_loan_lender_stocks_has_the_highest_return_on_equity\"><\/span><strong>Which of these home and consumer loan lender stocks has the highest return on equity?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Aptus Value Housing Finance India has the highest return on equity at 18.64%, followed by Bajaj Finance at 16.68% and Tata Capital at 10.57%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_risks_of_investing_in_home_and_consumer_loan_lender_stocks\"><\/span><strong>What are the risks of investing in home and consumer loan lender stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The main risks are valuation, interest rate cycles, household debt levels and quarterly trends. Bajaj Finance trades at 28.77 times earnings against an industry multiple of 17.72.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_did_Aptus_Tata_Capital_and_Bajaj_Finance_perform_in_Q1_FY27\"><\/span><strong>How did Aptus, Tata Capital and Bajaj Finance perform in Q1 FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Aptus Value Housing Finance India reported revenue of Rs 610.66 crore, up 15.2% year on year, and net profit rose 19.0% to Rs 260.94 crore. Tata Capital reported revenue of Rs 8,825.38 crore, up 14.7% year on year, and net profit rose 56.4% to Rs 1,628.18 crore. Bajaj Finance reported revenue of Rs 23,166.42 crore, up 18.6% year on year, and net profit rose 27.6% to Rs 6,080.60 crore.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_home_and_consumer_loan_lender_stocks_pay_dividends\"><\/span><strong>Do home and consumer loan lender stocks pay dividends?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Yes, all three companies pay dividends. The dividend yield is 2.07% for Aptus, 0.18% for Tata Capital and 0.63% for Bajaj Finance, based on dividends declared for FY26.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_can_I_invest_in_home_and_consumer_loan_lender_stocks_in_India\"><\/span><strong>How can I invest in home and consumer loan lender stocks in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> You can buy home and consumer loan lender stocks through a demat and trading account on NSE or BSE after checking each company&#8217;s financials, margins and valuation. The Univest Screener lets you compare fundamentals before placing an order. Investments in securities are subject to market risk, so consider your risk profile first.<\/p>\n<div class=\"faq-schema\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Which are the best home and consumer loan lender stocks in India with a strong roadmap?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Aptus Value Housing Finance India, Tata Capital and Bajaj Finance stand out for their roadmaps in a South India housing lender, a diversified lender and a large consumer finance company. FY26 revenue growth was 24.9% at Aptus, 11.3% at Tata Capital and 19.1% at Bajaj Finance, and return on equity ranges from 10.57% to 18.64%.\"}},{\"@type\":\"Question\",\"name\":\"Is Aptus Value Housing Finance India a good stock to buy now?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Aptus Value Housing Finance India has a debt to equity ratio of 1.56, a return on equity of 18.64% and a P\/E of 11.03 against an industry P\/E of 17.72. Valuation, funding costs and credit quality move results. This article is not investment advice, so consult a SEBI-registered advisor before deciding.\"}},{\"@type\":\"Question\",\"name\":\"What is the P\/E ratio of Aptus, Tata Capital and Bajaj Finance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The P\/E ratio is 11.03 for Aptus (industry 17.72), 24.41 for Tata Capital (industry 17.72) and 28.77 for Bajaj Finance (industry 17.72). Only Tata Capital and Bajaj Finance trade at or above the industry multiple.\"}},{\"@type\":\"Question\",\"name\":\"Which of these home and consumer loan lender stocks has the highest return on equity?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Aptus Value Housing Finance India has the highest return on equity at 18.64%, followed by Bajaj Finance at 16.68% and Tata Capital at 10.57%.\"}},{\"@type\":\"Question\",\"name\":\"What are the risks of investing in home and consumer loan lender stocks?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The main risks are valuation, interest rate cycles, household debt levels and quarterly trends. Bajaj Finance trades at 28.77 times earnings against an industry multiple of 17.72.\"}},{\"@type\":\"Question\",\"name\":\"How did Aptus, Tata Capital and Bajaj Finance perform in Q1 FY27?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Aptus Value Housing Finance India reported revenue of Rs 610.66 crore, up 15.2% year on year, and net profit rose 19.0% to Rs 260.94 crore. Tata Capital reported revenue of Rs 8,825.38 crore, up 14.7% year on year, and net profit rose 56.4% to Rs 1,628.18 crore. Bajaj Finance reported revenue of Rs 23,166.42 crore, up 18.6% year on year, and net profit rose 27.6% to Rs 6,080.60 crore.\"}},{\"@type\":\"Question\",\"name\":\"Do home and consumer loan lender stocks pay dividends?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, all three companies pay dividends. The dividend yield is 2.07% for Aptus, 0.18% for Tata Capital and 0.63% for Bajaj Finance, based on dividends declared for FY26.\"}},{\"@type\":\"Question\",\"name\":\"How can I invest in home and consumer loan lender stocks in India?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You can buy home and consumer loan lender stocks through a demat and trading account on NSE or BSE after checking each company's financials, margins and valuation. The Univest Screener lets you compare fundamentals before placing an order. Investments in securities are subject to market risk, so consider your risk profile first.\"}}]}<\/script><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Aptus Value Housing Finance India, Tata Capital and Bajaj Finance compared on growth, margins, debt and valuation, with the roadmap and risks investors should track.<\/p>\n","protected":false},"author":38,"featured_media":301575,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[10587,583,11066,11067,1240],"class_list":["post-301576","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-aptus-value-housing-finance-india","tag-bajaj-finance","tag-home-and-consumer-loan-lender-stocks","tag-home-and-consumer-loan-lender-stocks-to-buy","tag-tata-capital"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["301575"],"rank_math_title":["Home and Consumer Loan Lender Stocks: Top 3 Roadmap Picks"],"rank_math_description":["Home and consumer loan lender stocks with a strong roadmap: Aptus, Tata Capital and Bajaj Finance compared on growth, margins, valuation and risks."],"rank_math_focus_keyword":["home and consumer loan lender stocks"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/10\/3-home-and-consumer-loan-lender-stocks-with-a-strong-future-roadmap-aptus-value.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/301576","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=301576"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/301576\/revisions"}],"predecessor-version":[{"id":301577,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/301576\/revisions\/301577"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/301575"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=301576"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=301576"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=301576"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}