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@ 11.50% p.a
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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 @
10.99% p.a
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.
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 license, or Aadhaar card
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 latest 3 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.
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.
1. Click on the ‘Apply Now’ button on this page.
2. Fill out the application form.
3. Upload the required documents.
4. Await verification and approval.
5. The loan is disbursed into your account.
To apply for a home improvement loan offline, visit your nearest Tata Capital branch.
There are several fees and charges associated with a personal loan for home improvement. These charges determine the total loan cost, and thus, knowing them beforehand is crucial for making an informed financial decision.
| Type of charge | Applicable rate |
|---|---|
| Processing fees | Up to 3.5% of the loan amount |
| Documentation charges | Up to Rs. 1,999 |
| Statement of accounts charges |
Customer portal - NIL Branch walk-in - Rs. 250 |
| Loan cancellation charges | 2% of the loan facility or Rs. 5,750, whichever is higher |
| Stamp Duty Charges | At Actuals |
| Part payment charges |
|
| Foreclosure charges |
|
| Late payment penalties | 3% per month on the defaulted amount (Annualized Penal Charge of 36%) |
The interest rate on home improvement loans determines the amount of your monthly installment. At Tata Capital, the home renovation loan interest rate ranges from 10.99% to 29.99% per annum.
| Charges | Minimum | Maximum |
|---|---|---|
| Rate of interest (ROI) | 10.99% | 29.99% |
| Annual percentage rate (APR) | 10.99% | 38.99% |
The final rate of interest on a home improvement loan depends on credit checks and other parameters.
The essential features of a house improvement loan include:
Quick approval: Get instant loan approval within minutes, ensuring your renovation plans aren’t delayed.
Minimal documentation: Simple paperwork like basic ID, income proof, and address documents is usually sufficient.
Flexible tenure: Choose a repayment period between 12 and 72 months, based on your financial comfort.
High loan amount: Borrow up to Rs. 35 lakh depending on your income and credit profile.
No collateral required: Home remodelling loan is an unsecured loan, so you don’t need to pledge property or assets.
Easy online application: Apply conveniently through Tata Capital’s digital platform and upload documents online.
The best part about a Tata Capital home improvement loan is that it's unsecured. You don’t need to provide any collateral or security to apply for the loan.
So, whether you want to revamp your living room, remodel your bathroom or spruce up your outdoor patio, your dream home is just one collateral-free loan away!
If that’s not all, Tata Capital’s flexible repayment options allow you to choose a convenient and comfortable repayment plan as well.
With minimal paperwork, maximum eligibility, and a 100% online application, our loan approval process is easy, smooth and fast. After you complete the application form and upload the documents, we will verify and approve the loan within weeks.
And once your home improvement loan is approved, you will receive the loan amount directly in your bank account.
Yes, home renovation loans offer tax benefits. Under Section 24 of the Income Tax Act 1961, you can claim up to Rs. 30,000 in tax benefits annually.
As per provisions under the Act, a total deduction of Rs. 2 lakhs can be claimed on house-related loans. This includes both the purchase and refurbishment of the home.
And out of the Rs. 2 lakhs specified, you can avail of a tax deduction of up to Rs. 30,000 on home improvement loans. Apart from this, applying for a home renovation loan from Tata Capital also has other benefits. These include,
Yes, you can use your home improvement loan for structural changes as well as additions to your property.
You can use your loan for multiple reasons, including repairs and renovations to the structure of the home, restyling your interiors, basic repairs, maintenance and the like. Not only that but with Tata Capital, you also benefit from,
With Tata Capital, you can get a home loan top-up to pay for expenses like buying furnishings, expanding or renovating, or even revamping the interiors of your home. So, if you find your initial loan amount constraining, you can access additional funds.
Yes, you can use a personal loan for house renovations even if you do not own the property. With Tata Capital, you receive the loan amount directly into your bank account without any hassle. Apart from this, you also benefit from,
You can easily get a home renovation loan for your property, be it your primary home, second home or your vacation property.
For a smooth application, make sure you meet the following Tata Capital eligibility criteria.
#1 You should be in the age group of 21- 58 years
#2 You should have at least two years of work experience
#3 You should earn a minimum salary of Rs. 15,000 per month.
Being an NRI, you can get a home improvement loan, provided you fulfill all the eligibility criteria. With our fast approval process and flexible repayment option, giving your house a homely feeling becomes easier.
Yes, you can, as long as the property you want to renovate is owned by you. For a smooth application process, make sure you meet the following eligibility criteria.
#1 You should be in the age group of 21- 58 years
#2 You should have at least two years of work experience
#3 You should earn a minimum salary of Rs. 15,000 per month.
After you have applied for the loan, our team will verify the documents and approve your loan in a fast and hassle-free manner!
Yes, you can apply for a home improvement loan even if you have a low credit score. However, since your credit score indicates your ability to repay the loan, a low score can reduce your chances of loan approval.
Generally, a credit score of 750 and above is considered good.
And while a good credit score improves your chances of getting a loan, Tata Capital takes into account other factors as well. This includes your age, work experience, and monthly income.
You can check home renovation loan eligibility online by visiting Tata Capital’s official website and using their eligibility calculator. Enter details like income, employment type, loan amount, and tenure to get an instant estimate of your eligible loan amount and EMI.
Yes, you can use a home renovation loan to purchase furniture, fixtures, and fittings. The loan covers a wide range of expenses, including repairs, painting, modular kitchens, lighting, and upgrading interiors, allowing flexibility in improving your home’s overall appearance and functionality.
Yes, self-employed individuals can apply for a home renovation loan. They must provide proof of steady income, business continuity, and financial stability through documents like Income Tax Returns (ITRs), bank statements, and business registration certificates to qualify for the loan.
The minimum income required for a home renovation loan is Rs. 15,000 per month. However, it may vary depending on the applicant’s city, employment type, and credit score. Lenders want to ensure that borrowers have sufficient repayment capacity. Thus, discuss with your loan executive before applying.
Tata Capital doesn’t levy charges if the pre-payment amount is up to 25% of the disbursed loan amount during the entire loan period. However, if the pre-payment amount is more, a charge of 6.5% on the pre-payment amount is applied for payments made within 12 months of the first disbursement. A charge of 4.5% is charged on the part pre-payment amount after 12 months of the first disbursement.
Last updated on: 18 Dec, 2025
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