Home Renovation Loan

Why Choose Us?

Loan up to ₹50 lakh

Instant Disbursal

Flexible EMIs

Loan Tenure up to 7 years

What's in store for you?

Lower your EMI by switching to our XPRESS Personal Loan

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Home Renovation Loan

Personal Loan EMI Calculator

Take Out the Guess Work from Financial Planning. Calculate your EMIs now!

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₹ 25,000₹ 50,00,000
1 year7 years
%
9.99% PA24% PA
Your Monthly EMI will be

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Amount Payable

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Interest Amount

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Principal Amount

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Explore interest rates for Personal Loan Starting from

Starting From 9.99%* p.a.

(Terms & Conditions Apply*)

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Different Types of Personal Loan

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Chase Your Dreams Seamlessly

Loan Benefits & Features  

Benefits

  • Quick Approval
    Get funds for House Renovation instantly if you are an existing HDFC Bank customer.
     For non-HDFC Bank customers, the loan is approved within 4 hours of application.   
  • Improve Resale Value
    With our Personal Loan for-Home Improvement, you can not only refurbish your habitat and cover renovation expenses but also boost its resale value by keeping it in line with current trends 
  • Flexible Tenure 
    Flexible repayment tenure of 1-5 years allows you to choose an amount with an EMI that fits your budget perfectly, Click here.   
  • No Paperwork 
    No documentation required, everything is now digital, just an end-to-end digital journey for your instant Home Renovation.   
  • Enhanced Appeal 
    Spending most of your hours at home due to a remote work setup? Give your home an aesthetically soothing makeover with our Personal Loan for house renovation.   
Quick Approval

 Interest Rate and Charges

  • Before you apply for a Personal Loan for Home Renovation, know about the interest rate and additional charges involved. 
Rate of Interest 9.99% - 24.00%
Processing Fees Up to ₹ 6,500/- + GST of the loan amount 
Tenure 03 months to 72 months
Documents Required No Documents for Pre-approved Personal Loan
  For Non Pre-approved - Last 3 Months Bank statements, 2 Latest Salary Slip and KYC
Improve Resale Value

Documentation

No documentation is required for availing HDFC Bank Personal Loan for Home Renovation.

KYC-compliant bank / Pre-approved customers can avail the Personal Loan in just 10 seconds with no documentation.

If the customer needs higher loan amount, the customer can click here to avail Personal Loan with higher loan amount. This is an end-to-end digital journey. No documents are required for availing HDFC Bank Personal Loan.

  • 100% Digital Process

  • Hasslefree Borrowing experience! 

  • No Documentation Required to get Loan for your Personal needs.

Most Important Terms & Conditions

Most Important Terms and Conditions

  • *The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.
Flexible Tenure

Wondering if you’re eligible? 

For Salaried

  • Nationality: Indian
  • Age: 21- 60 years 
  • Salary ≥₹25,000
  • Employment: 2 years (1 year with current employer)
Home Renovation Loan

More About Personal Loan for Home Renovation

Thinking about giving your kitchen a fresh look, replacing old furniture, or upgrading your patio? Or perhaps your home needs updated wiring and some new fixtures to liven things up? If you've been putting off these changes for months—or even years—it might be time to take action.

Home renovation can be expensive, especially if you're planning major upgrades. Not everyone has the funds ready when inspiration strikes. That’s where a Home Renovation Loan can help. With an HDFC Bank Personal Loan for Home Renovation, you can transform your space without financial stress. Not only will your home look better, but its market value could also increase.

HDFC Bank Personal Loan for Home Renovation offers quick approval, competitive interest rates, flexible repayment tenure between 1-7 years, and no requirement for collateral or guarantor. Borrowers can avail loans up to ₹50 lakh and enjoy hassle-free processing with no documentation.

No Paperwork 

No documentation required, everything is now digital, just an end-to-end digital journey for your instant Home Renovation.   

Check Home Improvement Loan eligibility 

For Salaried:  

  • Nationality: Indian 

  • Age: 21- 60 years 

  • Salary ≥₹25,000

  • Employment: 2 years (1 year with current employer) 

Note: Salaried employees at select private limited companies and public sector undertakings (including central, state and local bodies) 

 Note: *Government taxes and other levies as applicable will be charged over and above the Fee and Charges. Loan disbursal is at the sole discretion of HDFC Bank Ltd. 

Apply for Loan for Home Renovation

You can apply for a Loan via:

Online application process:

Step 1 – Choose your occupation
Step 2 - Provide & validate your Phone Number & Date of Birth/PAN
Step 3 - Choose Loan amount
Step 4 - Submit & Receive funds*

*In certain cases, uploading documents and completing video KYC might be required.

Frequently Asked Questions

To apply for HDFC Bank Personal Loan for Home Renovation, click here. You can also use the HDFC Bank bank’s mobile app, NetBanking facility or visit a branch near you to apply for a Personal Loan for Home Renovation. 

HDFC Bank Personal Loan for Home Renovation offers quick funds, flexible repayment tenures, no collateral requirement, and easy application process, making it ideal for covering renovation costs without tapping into your savings or disrupting your financial plans.

A Personal Loan for Home Renovation, or Home Renovation Loan, is used to finance the necessary renovation, improvements or refurbishment of a house.

Please refer to ‘Eligibility Criteria’ section for more information.

You can get a Home Renovation Loan for a tenure of anywhere between 1-7 years. 

Please refer to the ‘Interest and Charges’ section to check out the interest rates applicable on a Personal Loan for Home Improvement.

You can get a Home Improvement Loan almost instantly, if you are an existing HDFC Bank customer. For non-HDFC Bank customers too, the loan is approved by the bank within 4 hours of application.  

If you apply for a Personal Loan for Home Improvement from HDFC Bank, you can avail of a loan of up to ₹50 lakh (subject to terms and conditions).  

Yes. If you use the Personal Loan amount for Home Improvement or renovation, then you can avail of a tax rebate under Section 24(b) of the Income Tax Act, 1961.The interest paid on such a loan is tax deductible, for up to ₹30,000 per annum.

Fast, easy, secure—start your personal loan application right now

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