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A copy of your Voter ID / Passport / Driving License / Aadhaar Card
A copy of your Bank statements for the last six months
A copy of your Salary Slips for the last three months
A copy of your Ration Card / Electricity Bill / Passport
A certificate stating one year of continuous employment
Some of the benefits of the Home Renovation Loan are:
Our Home Renovation Loans are tailored to help you cover multiple costs. The Home Renovation Loan covers:
You can take up to 60 months to repay your loan.
The maximum amount that you can get from our Home Renovation Loan is customisable to your requirement. You can borrow funds as low as ₹ 75,000 and go up to ₹ 25,00,000.
To be eligible for a Home Renovation Loan:
You only need to provide us with your basic documents to initiate your Home Renovation Loan request. Following is the documents list that should help you get started:
|Photo Identity proof (Any One)||Voter ID /Passport/Driving License/ Aadhaar card/|
|Address proof (Any One)||Ration Card/Electricity Bill/ Passport|
|Bank statements||Bank statements for the last three months|
|Employment Certificate||A certificate stating two years of continuous employment|
|Salary Slips||Salary slips for the last three months|
Standard EMI Plan allows you to pay the principal amount along with the interest consistently for your defined tenure.
1. EMI amount remains the same for the entire home renovation loan period.
Ideal if - You have a regular income
Step Up Flexi EMI Plan offers great flexibility. This repayment option allows you to pay lower EMIs at the beginning and as your salary increases you pay higher EMIs.
1. Pay more when you can afford
2. Helps to manage income flow efficiently.
Ideal if - You expect your income to increase at regular intervals
Making your home beautiful is so easy with Tata Capital’s Home Renovation Loan. All you have to do is complete a simple form that doesn’t take longer than 10 minutes. Then upload the requisite documents. You will get a quick approval within just a few days.
We are with you any time of the day.
Our customer support team is happy to help you, call us on toll-free number at 1800 209 6060 You can request a call back too.
Walk into any of our nearest branch to apply for a Personal loan for Home Renovation.
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.
To get your Home Renovation loan approved swiftly, please provide the following details:
Find out more about Eligibility and Documents for more details.
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.
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.
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.
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.
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.
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.
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:
Please read the Home Renovation Loan Eligibility and Documents in detail for more information.
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.
The maximum amount will depend on your needs and eligibility.