Home Improvement Loans

Upgrade and renovate your home with our flexible improvement loan options

Features of Our Home Improvement Loans

  • Loan amount up to ₹1 crore
  • Competitive interest rates starting from 9.5% p.a.
  • Flexible repayment tenure up to 15 years
  • Quick approval and disbursement process
  • No collateral required for loans up to ₹25 lakhs
  • Option for balance transfer from other lenders

Eligibility Criteria

  • Age: 21-65 years
  • Employment: Salaried individuals or self-employed professionals
  • Income: Minimum annual income of ₹3 lakhs
  • Credit Score: 650 or above
  • Must own the property to be renovated

Required Documents

  • Identity Proof (Aadhaar Card, PAN Card, Passport, etc.)
  • Address Proof (Utility Bills, Passport, etc.)
  • Income Proof (Salary Slips, IT Returns, etc.)
  • Bank Statements for the last 6 months
  • Property ownership documents
  • Renovation cost estimate

Loan Application Process

  1. Fill out the online application form
  2. Submit required documents
  3. Property and document verification
  4. Loan approval
  5. Sign loan agreement and receive disbursement

Why Choose Tata Capital for Your Home Improvement Loan?

  • Customized loan solutions to fit your renovation needs
  • Transparent and fair lending practices
  • Dedicated relationship manager for personalized service
  • Flexible repayment options to suit your financial situation
  • Easy online account management and EMI payment options

Ready to Upgrade Your Home?

Take the first step towards improving your living space. Apply for a home improvement loan today!

Apply Now

Frequently Asked Questions

What types of home improvements can I finance with this loan?

Our home improvement loans can be used for various purposes, including kitchen and bathroom renovations, room additions, roof repairs, painting, flooring upgrades, and energy-efficient improvements.

Do I need to provide collateral for a home improvement loan?

For loans up to ₹25 lakhs, we offer unsecured home improvement loans that don't require collateral. For higher loan amounts, we may require the property being improved as collateral.

How long does it take to get approval for a home improvement loan?

Our streamlined process usually takes 3-5 working days for loan approval, provided all required documents are submitted and verified.