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Aditya Birla Capital LimitedAditya Birla Capital Limited (‘ABCL’) is a listed systemically important, Upper Layer Non-Deposit taking Non-Banking Financial Company (NBFC-ICC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provide a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 66,500 employees, the businesses of ABCL have a nationwide reach with over 1,759 branches and more than 200,000 agents /channel partners along with several bank partners.
Nationwide Branches
1,759
No. of Employees
66,500
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 7.53 Lakh Cr
Consolidated Lending Book
INR 2.19 Lakh CrCorporate Governance Policies
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Personal Loan EMI CalculatorEstimate your monthly loan repayments with Personal Loan EMI Calculator
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What is a Personal Loan for Home Renovation?
Our Personal Finance Products
Spread repayments over an extended tenure to keep EMIs affordable and predictable. A practical choice for funding larger expenses without straining your monthly budget.
Get an instant line of credit with Aditya Birla Capital Flexi Loan and pay interest only on the amount borrowed.
Get funds disbursed quickly with minimal documentation — ideal for urgent expenses when you can't afford to wait. Apply online and receive a decision in minutes, with disbursal soon after approval.
Combine multiple high-interest debts, like credit card dues, into a single Personal Loan with one manageable EMI. Simplify your repayments and lower your overall interest cost in the process.
A quick-repayment option for smaller, immediate needs, with tenures designed to help you clear the loan faster. Shorter tenures mean a lower total interest outgo over the life of the loan.
Features and Benefits of Personal Loan for Home Renovation
Affordable Interest Rates
Personal Loans for Home Renovation are available at competitive interest rates, making it easier to finance renovation expenses while keeping your EMIs affordable.
Flexible Repayment Options
Choose a repayment tenure that suits your financial goals and monthly budget. Flexible EMI options help you repay the loan comfortably without straining your finances
Quick Loan Processing
A streamlined application and verification process enables faster loan approval and disbursal. This allows you to begin your home renovation project without unnecessary delays.
High Loan Amount
Get access to a loan amount that meets your home renovation requirements, whether you're remodelling your kitchen, upgrading interiors, or carrying out structural repairs, subject to eligibility.
Minimal Documentation
Apply with a simple documentation process by submitting the required identity, address, and income proofs. Minimal paperwork helps ensure quicker processing of your loan application.
Tax Benefits
If the loan is used for eligible home renovation or improvement purposes, you may be able to claim tax benefits under the applicable provisions of the Income Tax Act, subject to prevailing tax laws. Consult a tax advisor for details.
No Collateral Required
A Personal Loan for Home Renovation is generally unsecured, so you can access funds without pledging your property or any other asset as collateral.
Personal Loan for Home Renovation Eligibility and Documents
Documents Required for Personal Loan for Home Renovation
- Identity Proof Aadhaar Card, PAN Card, Passport, Voter ID.
- Address Proof Utility bills, Aadhaar card, passport, or rental agreement.
- Income ProofSalary slips (last 3 months) or income tax returns (for self-employed).
- Bank Statements Last 6 months' statements showing salary credits.
- Property Ownership ProofSale deed, property tax receipt, or loan agreement.
- Renovation EstimateDetailed cost breakdown from a licensed contractor or architect.
Eligibility Criteria for Personal Loan for Home Renovation
- Age: Applicants must be between 21 or 23 and 60 years old. The maximum age is extendable up to 62 years under specific cases
- Employment Type: Available for salaried and self-employed individuals.
- Income: Minimum monthly income ranges from ₹20,000 to ₹40,000 depending on your city and the type of loan you take.
- Property Ownership: The applicant must own the house to be renovated.
- Credit Score: A CIBIL score of 700 or above is preferred for easy approval.
- Work Experience: Six months in the current employment.
Types of Personal Loan in India
How to Apply for Personal Loan for Home Renovation
Check Eligibility
Visit the Aditya Birla Capital website or use the Aditya Birla Capital App to check your eligibility for a loan for renovation of house. Use the personal loan eligibility calculator to review the loan amount you may qualify for based on your income and repayment capacity.
Complete the Online Application
Fill out the Personal Loan for Home Renovation application form by providing accurate personal, employment, and financial details on the Aditya Birla Capital website or app.
Upload the Required Documents
Submit the necessary personal loan documents, including identity proof, address proof, income proof, bank statements, etc. for verification.
Verification and Loan Approval
The Aditya Birla Capital team verifies your application details and supporting documents. Once the verification process is complete and you meet the eligibility criteria, your loan application is approved.
Receive Instant Loan Disbursal
After approval, the amount of Personal Loan for Home Renovation is disbursed directly to your registered bank account, and you can use this to renovate your house.
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Explore All Personal Loan Options
Find the right personal loan for every financial needInstant Personal Loan
INSTANT PERSONAL LOAN SHORT TERM PERSONAL LOAN LONG TERM PERSONAL LOAN
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Top-Up
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Comprehensive coverage
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Affordable with low premiums
ABC Of Personal Loans
Call 1800 270 7000 OR write to us at care.finance@adityabirlacapital.com.
For more details, to know your personal loan eligibility, access the product brochure or to set a meeting with our relationship manager.
The information presented on this page is intended solely for general informational purposes and does not constitute financial, investment, or professional advice. This content has not been authored by, nor does it represent an official communication from, Aditya Birla Capital Digital Limited. It is compiled from publicly available secondary sources, which may be subject to change without prior notice. Readers are strongly advised to conduct their own independent research and seek guidance from licensed financial advisors before making any investment decisions. All investments carry inherent risks, including the potential loss of principal. Past performance is not indicative of future results.