Insta Personal Loan for Home Renovation

Buying related expenses

You can also check if you already have a pre-approved personal loan offer — no paperwork, no waiting.

Bought a new home? A home loan usually covers only about 80% of the cost. The rest — like stamp duty, registration charges, brokerage, or interior deposits — may come out of your pocket.

Why it matters: These extra costs can run into lakhs. An Insta Personal Loan can cover the gap without disrupting your finances.

Renovation projects

Planning to revamp the bedroom? Redesign the kids’ room? Or finally upgrade that worn-out sofa?

With a personal loan, you don’t need to delay your plans or cut corners. Fund your entire renovation — from design to delivery — on your own terms.

Furnishings and interiors

A modern home isn't just about walls and floors — it's about how it feels. Stylish lighting, ergonomic furniture, textured curtains, and plush upholstery can totally transform your space.

Pro tip: These finishing touches often come last — and that’s when budgets usually dry up. A personal loan ensures you can get the look you want, without compromise.

Major repairs

Every home needs a little extra care every few years — be it waterproofing, flooring replacement, or plumbing upgrades. These often require contractors, architects, or even civil work.

Costs can go up to several lakh, depending on the size and condition of your home. An Insta Personal Loan lets you tackle these big jobs without delay.

Smart home

Thinking about a smart upgrade — motion sensors, voice-controlled lights, or an automated security system? Home automation is now more accessible than ever.

With a personal loan, you can make your home smarter, safer, and more efficient — without waiting for a big bonus or a windfall.

Pre-approved offers

No need to complete the entire application process to know how much loan you will get.

Check offer in 2 steps

You can check your Insta Personal Loan offer by entering your mobile number and OTP.

Money in your account in 30 minutes*

Get the funds you need quickly to manage all your urgent expenses.

Long repayment period – up to 96 months

You can spread your repayment over 96 months, which means small instalments right from the start.

No hidden charges

You can read our fees and charges on this page and on our loan documents. There are no hidden charges.

No guarantor or collateral needed

You do not need to provide any collateral such as gold ornaments and property papers to get the loan.

If you are an existing customer

Since you are an existing customer with a pre-approved offer, there are no additional eligibility criteria that apply to you. Some of our existing customers may be asked to submit additional documents, such as your income proof, KYC documents, and bank statement to get the Insta Personal Loan.

If you are a new customer

New customers with an Insta Personal Loan offer may need to go through a CIBIL check and provide additional documents. The documentation and application process may differ slightly.

Documents required

• KYC documents: Aadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register/ NREGA job card
• PAN card
• Employee ID card
• Salary slips of the last 3 months
• Bank account statements of the previous 3 months
• Piped gas bill
• Pension order
• Letter of Allotment of Accommodation Issued by Employer
• Property / Municipal tax receipt
• Utility bill
• Real-time image / photograph
• Ration card

Step-by-step guide to apply for Insta Personal Loan

1. Click on ‘CHECK OFFER’ on this page to open our online form.
2. Enter your 10-digit mobile number and verify your profile with the OTP sent to your phone.
3. You will see an offer with a pre-assigned loan limit for you. You can either go with it or choose a lower amount.
4. Select a repayment tenure that suits you best.
5. Click on ‘PROCEED’ to complete the online process.