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Personal Loan for Home Renovation

Do you want to elevate your house and add a touch of your personality and style? Revamp your house conveniently with our House Renovation Loan. Whether you want to renovate your living room or give a modern look to your bathroom, Tata Capital's multipurpose loan will fit all your requirements. From restyling interiors to basic repair and maintenance, our loan for renovation is just what you need. Create a home you deserve to live in. We’re here to help you.

Disclaimer: Personal Loans are at the sole discretion of Tata Capital Limited (TCL). Terms and conditions apply.

  • Loan Amount

    ₹ 40,000 - ₹ 35,00,000

  • Loan tenure

    Upto 6 years

  • Interest rate starting @

  • Advantages

    Maximum Loan Eligibility

    Don’t confine yourself to less. We offer greater eligibility for you to turn your house into your home.

    One stop Shop for all things Home Renovation

    You can use your loan for multiple reasons, right from repairs and renovations to the structure of the home. Our House Renovation Loan acts as a catalyst for helping you make your home a more comfortable living space.

    Flexible Repayment Options

    We make renovating your home very easy. With our House Renovation Loan, you have the power to decide how you want to repay your monthly EMI based on your convenience and comfort.

    No Collateral

    You don’t need to provide any collateral or security to apply for the Home Renovation Loan.

    3 ideas for your next Home Renovation Project

    Revamp your living space

    Your living room should be a den that brings the entire family together. Working with the right interior designer, you can create a space that is inviting and exciting. From the right couches and sofas that can seat your whole family to creating a pleasing layout, your home can be a work of art that is also functional.

    Bathroom remodel

    Always wished for a shower at the end of a stressful day? With just a few tweaks, you can turn your old bathroom into a zen retreat that can rival even the best spas. Choose colours that can soothe and de-stresses you and add flourishing personal touches that cater to your needs.

    An outdoor patio

    Think a home renovation is only for indoor spaces? Think again. Turn the extra space outside your house into an outdoor patio. Add outdoor seating to host guests during the festive season.

    Eligibility Criteria for getting a personal loan for Home renovation

    Like all loans, home renovation loans have certain eligibility requirements to help lenders have a surety that they will receive loan payments on time. But with Tata Capital, you don’t need to worry about them. That’s because we ensure our eligibility criteria are easy to meet, making it even easier to apply for our loans. Here’s a preview of what our eligibility requirements look like.

    Home renovation loan eligibility criteria

    • Your age must be between 21 and 58 years 

    • You must have at least two years of work experience

    • You must be earning a minimum salary of at least 20000 per month

    Not sure if you meet our eligibility requirements? Use our personal loan eligibility calculator to find out your eligibility. Enter your monthly income, employer name, loan tenure and monthly expenses, and we’ll tell you the maximum loan amount you can qualify for based on them.

    Note that we will verify your loan eligibility during the loan application process by checking your documents. So, make sure you provide all the necessary copies and that they are up-to-date. Here’s a list of documents we check for your convenience.


    Photo identity proof -
    This can be your voter ID, passport, driving licence, Aadhaar card and the like 

    Address proof - This can be the same documents as your photo identity proof, such as your voter ID and passport. 

    Salary slips - You need to submit salary slips for the last two months 

    Income proof - You need to submit your salary credit or your bank statements for the previous six months.

    Employment certificate - This certificate must show that you have at least one year of continuous employment

    You’ll notice that our document requirements aren’t extensive. This is because we want to make the loan application process less stressful for you. Besides, the minimal documentation also means quicker loan verifications and approvals.

    Now, despite the easy-to-meet eligibility requirements and minimal documentation, you might face issues when applying for loans from time to time. But should you get stuck at any step during the application process, you can get in touch with us. You can contact our customer care team for assistance with any issues through our number, 1860 267 6060, or via email at customercare@tatacapital.com.

    5 Reasons why we are the right fit for you and your home

    • Tata Capital a name you can trust

      With the customers’ individual desires and needs in mind, our team at Tata Capital guides you at every step of the House Renovation Loan and offers specific financial solutions.

    • We’re flexible

      We let  you choose the loan amount, tenure and EMI options for which you need the loan.

    • We are not going to make you run around

      We only ask for minimal documentation when you apply for a loan for renovation. We just need some mandatory information like the source of your income and the purpose of the loan to process your application.

    • We provide tailor-made loans

      Our personalised approach gives us the edge and has left countless of our customers satisfied. We understand that one size doesn’t fit all.

    • We’ve been in the industry for a long time

      This means we understand your needs and we will tailor our services to your home repair loan needs. If you look good, we look good.

    How to Get Home Renovation Loan from Tata Capital?

    Do you have plans to revamp your home? You can easily apply for a personal loan for house renovation online or offline.

    To apply for a personal loan for house renovation, you need to fill out an application form and submit it along with the required documents. Our experts will verify the documents and information you provide. Upon successful verification, your request will be approved and the loan amount will be disbursed to your bank account.

    How to apply for a home improvement loan online?

    You can easily apply for home improvement loan with Tata Capital through our website. Just fill out the form and upload the required documents. Now wait for the verification and approval of your personal loan for renovation. Once approved, you will receive the loan amount directly in your bank account.

    How to apply for a home improvement loan offline?

    To apply for home improvement loan offline, visit your nearest Tata Capital branch.

    Payment Options

    • Pay Online: Pay your EMI using our website or mobile anytime, anywhere.
    • Drop A Cheque: Select a nearby branch to drop a cheque at your convenience.

    More Personal Loan products for you

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    Personal Loan for government employees

    If you are a government employees looking for a way out of a cash crunch, let Tata Capital ease your financial pains! Get an instant personal loan within a few minutes.

    Personal Loan for salaried employees
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    Personal Loan for salaried employees

    If you are a salaried employees looking for a way out of a cash crunch, let Tata Capital ease your financial pains! Get an instant personal loan within a few minutes.

    Personal Loan for women
    Personal Loan for women

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    If you are a women looking for a way out of a cash crunch, let Tata Capital ease your financial pains! Get an instant personal loan within a few minutes.

    What our customers say about us

    Wonderful experience indeed connecting with TATA Capital.

    AMAR SINGH

    Personal Loan | 25 December, 2023

    Tata capital's services is really good.

    VIJAY DAS

    Personal Loan | 22 December, 2023

    Wonderful service.Whenever there is a need of money TATA capital is there !!!

    HIMANSHU BORDOLOI

    Personal Loan | 22 December, 2023

    All support services very good. Thanks team Tata Capital.

    MANISH KUMAR SHUKLA

    Personal Loan | 19 December, 2023

    Your service is best and easy to other bank comparison. Thank you Tata capital for fullfilling urgent need of loan.

    RANJEETA KUMARI KUMARI

    Personal Loan | 08 December, 2023

    A good experience with Tata Capital. Less time taken for documentation also quick disbursement after approval. So thanks to Tata Capital.

    Madhuri Pradip Khot

    Personal Loan | 06 December, 2023

    Customer service is too good. They are very helpful and courteous. Is was a good experience with Tata Capital.

    ALEXANDER KUJUR

    Personal Loan | 02 December, 2023

    The procedure was neat and speedy. The loan was disbursed within two days. Happy to choose Tata capital services.

    SAVIOROZAR A

    Personal Loan | 16 November, 2023

    Excellent service. Communication skills was good and trustworthy service for customer.

    YUVARAJ RAI

    Personal Loan | 15 November, 2023

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