Renovation Loans

Transform your existing home into your dream space with our flexible renovation loan solutions designed for every type of home improvement project.

Up to ₹50 Lakhs
Starting from 9.5%
15 Years Tenure

Renovation Loan Introduction

Our renovation loans are specifically designed to help you upgrade, modernize, and enhance your existing home without the need to sell or relocate.

Home Enhancement

Upgrade your existing home with modern amenities, better infrastructure, and improved living spaces.

Interior Design

Transform your interiors with professional design solutions, modern fixtures, and aesthetic improvements.

Space Expansion

Add new rooms, extend existing spaces, or create additional living areas to accommodate your growing family.

Home renovation project

Applicable Scenarios

Our renovation loans cover a wide range of home improvement projects, from minor upgrades to major structural changes.

Bathroom Renovation

Modernize your bathrooms with new fixtures, tiles, plumbing, and electrical upgrades for a luxurious experience.

  • Modern fixtures and fittings
  • Waterproofing solutions
  • Electrical upgrades
  • Ventilation improvements

Kitchen Makeover

Transform your kitchen with new cabinets, countertops, appliances, and modern design elements.

  • Modular kitchen systems
  • Premium appliances
  • Storage solutions
  • Lighting upgrades

Living Space Upgrade

Enhance your living areas with new flooring, painting, furniture, and decorative elements.

  • Flooring solutions
  • Wall treatments
  • Furniture and decor
  • Lighting design

Room Addition

Add new rooms or extend existing spaces to accommodate your family's growing needs.

  • Structural modifications
  • New room construction
  • Space optimization
  • Permit assistance

Safety & Security

Install modern security systems, safety features, and home automation solutions.

  • Security systems
  • Safety equipment
  • Home automation
  • Emergency systems

Eco-Friendly Upgrades

Make your home more sustainable with energy-efficient appliances and eco-friendly materials.

  • Solar panel installation
  • Energy-efficient appliances
  • Water conservation
  • Green building materials
Renovation loan consultation

Loan Amount

Flexible loan amounts tailored to your renovation needs, with competitive rates and easy repayment options.

₹5 Lakhs - ₹15 Lakhs
Minor Renovations
Perfect for bathroom upgrades, kitchen makeovers, and interior improvements
₹15 Lakhs - ₹30 Lakhs
Major Renovations
Ideal for complete home makeovers, room additions, and structural changes
₹30 Lakhs - ₹50 Lakhs
Premium Renovations
For luxury upgrades, smart home installations, and extensive remodeling
Up to 80% of renovation cost
No prepayment charges
Flexible disbursement

Application Conditions

Simple and transparent eligibility criteria designed to make renovation loans accessible to qualified homeowners.

Borrower Requirements

  • Indian citizen or NRI
  • Age: 21-65 years
  • Minimum 2 years employment
  • Valid property ownership

Property Requirements

  • Self-occupied property
  • Minimum 2 years ownership
  • Clear title and documentation
  • Property valuation required

Financial Requirements

  • Minimum income: ₹25,000/month
  • CIBIL score: 650+
  • Debt-to-income ratio: 50%
  • Stable income source

Documentation

  • Identity and address proof
  • Income documents
  • Property documents
  • Renovation estimates

Service Process

Our streamlined process ensures quick approval and disbursement of your renovation loan with minimal hassle.

1

Application Submission

Submit your loan application online or visit our branch with required documents and renovation estimates.

Same Day
2

Document Verification

Our team verifies your documents, income, and property details to ensure all requirements are met.

1-2 Days
3

Property Valuation

Professional property valuation is conducted to assess the current value and renovation potential.

2-3 Days
4

Loan Approval

Final approval is granted based on your credit profile, income, and property valuation.

1-2 Days
5

Disbursement

Loan amount is disbursed in stages as per renovation progress, ensuring proper utilization of funds.

1-2 Days

Total Processing Time

5-10 Business Days

From application submission to first disbursement

Disbursement Method

Stage-wise

Based on renovation progress and milestones

Support Available

24/7

Dedicated customer support throughout the process

Ready to Transform Your Home?

Get your renovation loan approved quickly and start creating the home of your dreams with our expert guidance.

Apply Now Call for Consultation