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Personal Use Loan

Design Your Dream Modular Kitchen with Instant Loan

Design Your Dream Modular Kitchen with Instant Loan

No matter the design choices, the kitchen is the soul of any home. But nothing comes close to the aesthetics and practicality of modular kitchen design in modern houses. Designing your dream modular kitchen can be an exciting but also daunting task. There are so many decisions to make, and it can be difficult to know where to start. However, an instant loan can help you bring your vision to life without breaking the bank.

In this blog, we will break down the cost of designing a modular cookhouse, some design tips, and how to apply for an instant loan to build your dream kitchen with an instant loan.

How much does a modular kitchen cost?

The cost of a modular kitchen unit depends on multiple factors, including choice of material, size of your kitchen, number of appliances, and labour cost. Here is a breakdown of estimated modular kitchen installation costs in the country:

1. Modular kitchen prices based on layout

LayoutModular kitchen cost per sq ftOverall modular kitchen price
Straight shape kitchen layoutRs 600 – Rs 2,250Rs 60,000 to Rs 90,000
U-shaped kitchen layoutRs 225Rs 50,000 to Rs 1.5 lakhs
Parallel shape layoutRs 1,200 – Rs 1,750Rs 1 lakh to Rs 1.5 lakhs
L-shaped layoutRs 3,000 – Rs 4,200Rs 1.1 lakh to Rs 3 lakhs

2. Modular kitchen prices based on material

MaterialModular kitchen cost per sq ft
WoodRs 300 – Rs 1,800 per sq ft
PVCRs 200 – Rs 2,200 per sq ft
Stainless steelRs 200 – Rs 5,000 per sq ft

What are some tips for designing & installing modular kitchen?

Here are some tips to follow when designing your kitchen:

  1. Follow the golden triangle rule

The golden triangle rule requires you to focus on three key elements the cooktop, the refrigerator and the sink. Also, ensure that each point has a 4 to 9 feet distance between them.

  1. Focus on lighting

Lighting is essential in a modular kitchen, as overhead cabinets obstruct ceiling lights and create darkness. So, it would be best to illuminate your countertop and other areas with under-cabinet lighting.  

  1. Decide your budget

A unit of the modular kitchen at a price as low as Rs 50,000, but you may want additional features and premium materials in your modern kitchen, which costs more. Before you apply for a loan, make sure to have a clear budget. For budget, consider the layout of your kitchen, the design and material you want, and estimate the cost of appliances and labour.

Benefits of Financing Your Modular Kitchen Renovation

Wondering why get kitchen renovation loan? Renovating a kitchen can be an expensive exercise, especially when designing a modern modular setup. The benefits of modular kitchen finance go beyond affordability; you can upgrade your space without disturbing your savings:

  • No large upfront payment: You can spread the cost of designing your kitchen over EMIs instead of paying all at once.
  • Easy upgrades: With high loan amounts, you can invest in better fittings, cabinets, and appliances without worrying about budget limits.
  • Quick disbursal: Lenders like Tata Capital release funds fast, helping you start your renovation project immediately.
  • Improves home value: A modern modular kitchen boosts both comfort and your property’s resale value.

Eligibility Criteria for a Modular Kitchen Renovation Loan

If you’re planning to upgrade your cooking space, understand the modular kitchen loan eligibility set by Tata Capital.

To meet Tata Capital’s kitchen renovation finance eligibility, applicants must meet the following criteria:

  • Age: Between 21 to 58 years
  • Income: Minimum monthly income of Rs. 15,000
  • Employment: At least 2 years of total work experience

Documents Required for Your Modular Kitchen Loan

Before applying, keep all documents for modular kitchen finance ready. Tata Capital has a simple kitchen renovation loan document requirements:

  • Proof of identity: Aadhaar, PAN, Passport, or Driving Licence
  • Proof of address: Utility bills, rent agreement, or passport
  • Income proof: Recent salary slips, Form 16, or bank statements
  • Employment certificate: A certificate showing at least one year of continuous employment

Modular Kitchen on EMI: How Loan Tenure & Interest Affect Your Payments

Choosing to design a modular kitchen on EMI helps you upgrade your space without paying everything upfront. Your final monthly instalment will depend on two key factors — loan tenure and interest rate. A longer tenure lowers the EMI but increases total interest paid, while a shorter tenure raises the EMI but reduces overall cost.

Use an online kitchen renovation EMI calculator to compare your options. You can check your personal loan for kitchen EMIs for different tenures, interest rates, and loan amounts instantly, an ultimately choose a repayment plan that suits your budget.

How to apply for an instant loan?

Follow these steps to apply for an instant personal loan for financing your modular kitchen installation: 

  1. Check your loan eligibility

Now that you know the budget for a modular kitchen, you must check your loan eligibility or the amount you can borrow. Each lender has different eligibility criteria, including age, profession, monthly income and expenses, etc. You can visit a lender’s website to check how much loan you can get.

Now is also a great time to estimate how much EMI you will pay during repayment tenure. Use EMI calculation on the lender’s website to understand your monthly instalments.

  1. Apply for a loan online

With your budget and eligibility clear, you can begin with your loan application. Head to the lender’s website and apply for a home renovation loan in the personal loan section. You must enter your contact details, PAN, income and liabilities, and loan amount. The lender will offer applicable interest rates and repayment tenure based on these details.

  1. Complete documentation

Depending on your lender, you may also need to provide some documents with your application for verification. Again, these vary depending on the lender, but in most cases, you will need proof of identity, proof of residence, income statement, and employment certificate. 

  1. Loan approval

Once you have filled out your online application and provided documents, the lender will verify your documents and assess your financial stability. Once the lender approves your loan application, you will receive the sanctioned amount in a few days.

Why Choose a Modular Kitchen Loan from Tata Capital?

Upgrading to a modern modular kitchen becomes much easier with a Tata Capital kitchen loan. Choose flexible financing designed to make renovation stress-free. Whether you’re redesigning cabinets, adding new appliances, or revamping the entire layout, Tata Capital’s personal loan for kitchen renovation helps you fund the project without dipping into your savings.

Take a look at key modular kitchen finance benefits offered by Tata Capital:

  • Quick approvals and fast disbursal: Start your renovation without delays.
  • No collateral needed: Ideal for homeowners who want hassle-free financing.
  • Flexible loan tenures: Choose repayment options that suit your budget.
  • Transparent processes: No hidden charges, ensuring clear budgeting for your renovation.

With Tata Capital, homeowners can transform their kitchen space smoothly and affordably.

Turn to Tata Capital and get instant home renovation loans of up to Rs. 35 lakhs at attractive interest rates. Apply for a instant loan online with minimal documentation. Visit our website to know more.

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FAQs

What is a modular kitchen loan?

A modular kitchen loan is a type of kitchen renovation loan that helps you finance cabinets, fittings, appliances, and full redesigns without paying upfront.

Can I get a loan specifically for modular kitchen renovation?

Yes, lenders offer dedicated modular kitchen finance to cover renovation materials, labour, and installation costs. Tata Capital offers easy home renovation loans to help you finance your kitchen renovation project.

What is the estimated modular kitchen cost in India?

The modular kitchen cost in India usually starts at around ₹1.5 lakh, going into double digits based on the size of the kitchen and quality of materials used.

How can I calculate the EMI for a modular kitchen loan?

Use any online EMI tool to check modular kitchen on EMI plans by entering loan amount, tenure, and interest rate.

What are the eligibility criteria for a modular kitchen finance loan from Tata Capital?

Tata Capital requires the applicant’s age to be between 21–58 with stable income and minimum Rs. 15,000 monthly salary as part of its modular kitchen finance eligibility.

Do I need collateral for a modular kitchen loan?

No, a modular kitchen loan from Tata Capital is unsecured and needs no collateral.

What documents are required to apply for a modular kitchen loan?

Basic KYC, address proof, income proof, and bank statements are needed for a kitchen renovation loan.

How quickly can I get an instant loan for my modular kitchen?

Tata Capital allows you to apply for an instant loan, with minimal documentation requirements.

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