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Information About Home Renovation Loan

Home Renovation Loan

Your home should strike a fine balance between catering to your needs and reflect your personal style. It should be functional but also beautiful. It should be a sanctuary that lets you escape from the hustle of the outside world. With our Home Renovation Loan, you can turn your house into your home. From making extensive upgrades to your interiors to finally addressing your basic repair and maintenance needs, we are the answer to your home needs. 

How does one take a Home Renovation Loan?

We have made the process of getting a Home Renovation Loan easy. You just have to follow these simple steps:

  • Check your home renovation loan eligibility online
  • Select your loan amount and tenure
  • Submit your application & upload requisite documents
  • Get the funds in your account

What are the basic requirements in getting your loan approved?

To get your Home Renovation loan approved swiftly, please provide the following details:

  • We need your personal details including your PAN number to check your CIBIL score
  • You have to provide copies of your pay slips, address proof and bank statements.


Find out more about Eligibility and Documents for more details.

4 reasons why you deserve the Home Renovation Loan

The property value goes up

Any improvements you make to your home results in enhancing the market value of your property. Just by making a few key changes to your house, you will be making your home more attractive to potential buyers if you choose to sell it.

Fix anything that’s broken

Over the years, even the best of homes ends up demanding maintenance. Show your home a little love and fix all the little leaks and creaks through our Home Renovation Loan.

Upgrade to make your space eco friendly

A lot of home owners now upgrade their homes in an effort to reduce their carbon footprint and make a little less impact on the environment. With just a few upgrades, you will be setting a great example for your children and neighbours.

Because you deserve a home that’s comfortable

Turn your children’s room into a fantasy playground or get yourself that modular kitchen that you have always fantasised about. This is your home. It should be no less than your personal palace.

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. 

Features and Advantages

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.

How much EMI do you need to pay?

Equated Monthly Instalment (EMI) depends on the principal loan amount, the interest rate charged and the tenure for which the loan is taken.

You can choose your EMI amount that is comfortable for you by using the Home Renovation Loan EMI calculator

How can you repay your Home Renovation Loan?

You can decide how you want to repay the personal loan for home renovation. For a fixed amount of loan and interest, you can choose the tenure and EMI that is comfortable to you. The longer the tenure, lower will be the EMI. You can also prepay your home renovation loan after meeting defined terms and conditions. 

 You can pay your personal loan for home renovation through auto debit or ECS facility. In exceptional cases, you can also opt for a post-dated cheque payment facility.

Eligibility and Documentation

To be eligible for a Home Renovation Loan, you have to meet a few basic criteria. You should be in the age group of 24 and 65 (at the time of completion of the Home Renovation Loan). If you are a salaried individual, you should earn at least ₹ 20,000 per month and have a minimum of two years of experience. In case you are an entrepreneur, you should have three years of experience in your current field. 


We only need some basic documents to process your Home Renovation Loan. Here’s a handy guide to keep in mind. You need:

  • The documents required to establish your credentials like Voter ID, Aadhaar Card
  • Proof of identity and proof of residence
  • Income Proof - Salary Slips, Bank Statements or other Income documents


Please read the Home Renovation Loan Eligibility and Documents in detail for more information.

Checking your Eligibility

You have to meet some basic conditions to get the Home Renovation Loan. You can use our Home Renovation Loan Calculator to find out your eligibility. At Tata Capital, we believe in extending a loan with minimal paperwork, reasonable interest rate and flexi EMI plans.

What’s the maximum amount of Home Renovation Loan you can avail?

The maximum amount will depend on your needs and eligibility