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 includes lower fins and upper fins. The upper fins are inclined in the direction of the airflow at an angle formed between the longitudinal axis of the upper fins and the vertical direction, the range of the angle being equal to or greater than the range of an angle formed between the longitudinal axis of the lower fins and the vertical direction, and the upper fins are disposed adjacent to top ends of the lower fins. The upper fins have curved portions that are curved in proximity to the portions bordering the top ends of the lower fins on the downstream side in the airflow direction F.