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Home Renovation Loan Interest Rates And Charges

Interest Rates

Our interest rates start from 10.99% and we make sure you are offered competitive rate. However, your interest rate also depends on loan eligibility, income and other such factors.

When you apply for a Home Renovation Loan with Tata Capital, you do not have to worry about any hidden charges. Whether it is related to processing fees, foreclosure charges, or delayed EMI Payments, all information is transparently-provided for smooth processing of your Home Renovation. 

Interest Rates Per Year

Starting from 10.99%

Loan Amount

Minimum ₹ 75,000

Processing Fees

Up to 2.00%


12 to 72 months

Preclosure Fee*

Up to 2.00%

Part Payment Fee

You can pre-pay part of the loan any time after 6 months of availing a Personal Loan without any penalty or additional fee. A fee of 2% (of the amount paid) + GST is applicable beyond 25% of the principal outstanding.

Miscellaneous Charges

Other Charges

Post Dated Cheque charges, Loan cancellation, Dishonored cheque or Rejection of ECS, Post-dated cheque swapping charges, Account maintenance charges, CERSAI, Collection agency and legal charges also apply.


The fees/charges indicated above are subject to revision at Tata Capital’s discretion from time to time.


Improving your home is great but can be costly affair. With the Home Renovation Loan, you can completely revamp your living space. You can remodel your kitchen, upgrade your bedroom, turn the study into a playroom or just take care of house maintenance with the Home Renovation Loan. Consider putting your plans in motion with Tata Capital Personal Loan for Home Renovation.

Our interest rates begin from 10.99% and are highly competitive.

Some of the benefits of the Home Renovation Loan are:

  • Flexible repayment options
  • Loan covers the purchase of multiple end uses
  • Competitive interest rate
  • Quick and fast approvals.

Our Home Renovation Loans are tailored to help you cover multiple costs. The Home Renovation Loan covers:

  • House maintenance
  • Remodelling
  • Painting
  • New flooring
  • Internal repairs
  • External repairs

To be eligible for a Home Renovation Loan:

  • You should be in the age group of 21- 58 years
  • You should have at least two years of work experience
  • You should earn a minimum salary of ₹ 20,000 per month.

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