Home Upgrade Loan Plans

Redesign your space, restore comfort, and raise property value — with smart renovation financing tailored to your goals.

1. Loan Features & Benefits

Our home upgrade loans are designed for homeowners looking to improve or expand their living space without compromising their savings.

• Loan Amounts: ₹1,00,000 to ₹30 lakhs
• Tenure Options: 12 to 120 months (1 to 10 years)
• Interest Rates: Starting from 9.75% p.a., based on profile
• Disbursement: One-time or in project-linked phases
• Usage Flexibility: Covers labor, materials, interior work, furniture
• No Collateral Needed: Available as unsecured loans
• Quick Processing: Approval within 48–72 hours
• Top-Up Facility: Easy access to more funds mid-project
• Repayment Options: EMI plans matched to income cycles
• Tax Benefits: Eligible under certain conditions (consult advisor)

2. Eligibility Criteria & Documentation

We support salaried, self-employed, and property-owning individuals looking to upgrade their residential property.

• Age: 23 to 60 years
• Minimum Income: ₹20,000/month
• Home Ownership: Must own or co-own the property being renovated
• Credit Score: Preferably 650+

Required Documents:

• KYC: PAN, Aadhar, and address proof
• Income Proof: Salary slips, bank statements, or ITRs
• Ownership Documents: Title deed or property tax receipt
• Renovation Estimate: Contractor quote or itemized budget
• Photographs or blueprints of planned changes

Optional (for better approval terms):

• Property valuation report
• Previous home loan track record (if any)

3. Use Cases & Applications

• Interior Renovation: Modular kitchens, flooring, false ceilings, lighting
• Structural Upgrades: Roof work, room extensions, plumbing/electrical rewiring
• Furnishing & Appliances: Built-in wardrobes, AC units, smart devices
• Painting & Redecoration: Wall treatments, waterproofing, exterior work
• Bathroom & Kitchen Remodeling: Fixtures, tiling, counters, cabinets
• Energy Efficiency: Install solar panels, insulation, or green tech
• Rental Property Upgrades: Improve aesthetics to increase rental income
• Accessibility Improvements: Senior-friendly or disability-access design