The present invention provides a heat exchanger, an air conditioning apparatus, and a method for manufacturing the heat exchanger capable of reducing the scattering of condensate water from curved portions to the downstream side in the direction of airflow. An indoor heat exchanger (10) comprises lower fins (30) and upper fins (40). The upper fins (40) are inclined at an angle, formed by the longitudinal direction in relation to the vertical direction, so that the angle in the direction of the airflow (F) is equal to or greater than the angle of the lower fins (30), and the upper fins are disposed adjacent to the top ends of the lower fins (30). The upper fins (40) have curved portions (R) that are curved in proximity to the portions bordering the top ends of the lower fins (30) on the downstream side in the airflow direction (F).