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Instant Personal LoanGet quick funds with Aditya Birla Capital Instant Personal Loan
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Personal Loan EligibilityCheck your Aditya Birla Capital Personal Loan eligibility
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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.
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1,759
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66,500
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2,00,000+
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INR 7.53 Lakh Cr
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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?
Personal Loan EMI Calculator
Want to know your personal loan EMI before applying for the loan? Use our personal loan EMI calculator and find your EMI instantly!
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Our Personal Finance Products
A personal loan is an unsecured loan that helps you raise funds for your financial needs.
Spread repayments over an extended tenure to keep EMIs affordable and predictable. A practical choice for funding larger expenses without straining your monthly budget.
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.
Get an instant line of credit with Aditya Birla Capital Flexi Loan and pay interest only on the amount borrowed.
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 Proof The latest 3 months' salary slips.
- Bank Statements Last 6 months' statements showing salary credits.
- Photograph One recent passport-size photograph.
Eligibility Criteria for Personal Loan for Home Renovation
- Age : The minimum age is 21 or 23 years, depending on the loan type, and the maximum is 60 years. In some cases, the entry age is extended to up to 62 years.
- Employment Type: You must be a salaried employee at a recognized organization.
- Monthly Income: A stable monthly income is essential for loan eligibility.
- Credit Score: A CIBIL score of 700 or more helps in quicker approval and better terms.
- Work Experience: Six months in the current employment.
Types of Personal Loan in India
How to Apply for Personal Loan for Home Renovation
Visit Our Website or App
Go to Aditya Birla Capital’s official website.
Check Eligibility
Use the online calculator to check your loan eligibility.
Fill Out the Online Form
Enter your personal, employment, and financial details.
Upload Required Documents
Submit scanned copies of the necessary documents.
Verification & Approval
We will verify your application and notify you of approval.
Disbursal
Upon approval, the loan amount is credited to your account within 24–48 hours.
Revision of Reference Rates for determining Interest Rates on loans
Loans up to 12 months
| Interest is calculated on the Short Term Reference Rate (STRR). |
| STRR w.e.f. from March 1, 2024 is 19.45% p.a. |
Loans more than 12 months
| Interest is calculated on the Long Term Reference Rate (LTRR). |
| LTRR w.e.f. from March 1, 2024 is 20.45% p.a. |
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Explore All Personal Loan Options
Personal Loan
PERSONAL LOAN LONG TERM PERSONAL LOAN SHORT TERM PERSONAL LOAN Flexi Loan
Balance Transfer
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Reduced Interest Rates -
Lower Monthly Payments
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.