Personal Loan for Home Expenses

Cover costs that your home loan does not

Check your personal loan offer with phone number and OTP → Apply online in 5 minutes → Borrow as needed, pay interest only on what you withdraw*.

Most home loans cover just 75–80% of your total home cost. That means you still need to pay upfront for expenses like: stamp duty and registration, brokerage fees, interior set-up and customisation.

Pro-tip: A personal loan helps you cover these extras without compromise — and with the Flexi facility, you can borrow only what you need, when you need it.

Furnishing and interior

Furniture, lighting, curtains, upholstery — these finishing touches make a house feel like home. And now, with more premium and designer options easily available, it’s tempting to go for that luxurious finish.

Major repairs and maintenance

Every home needs upkeep. Whether it's a plumbing overhaul, structural work, or roof repairs, these large-scale fixes can run into lakhs — especially if you need to bring in civil contractors or an architect.
A personal loan for home repair helps you manage these expenses without delay — so you don’t end up with bigger repair bills down the road.

Smart home

Make your home work for you smarter - voice-controlled lights. App-based home security. Wi-Fi-enabled appliances.

Pro tip: Tech upgrades not only make your home more comfortable — they also boost resale value. With a Flexi Loan, you can finance your smart home transformation at your own pace.

3 different loan types - Interest-only EMI option

We have different loan types that you can choose from, based on your needs - Term Loan, Flexi Term Loan, and Flexi Hybrid Term Loan.

Money in your account in 24 hours*

You will get the personal loan amount in your bank account within 24 hours* or, in some cases, on the same day of approval.

Loan of up to Rs. 55 lakh

You can take a loan ranging from Rs. 40,000 to Rs. 55 lakh - allowing you to manage different types of expenses.

Long repayment period – up to 96 months.

You can spread your repayment over 8 years, which means manageable EMIs right from the start.

Approval in just 5 minutes

Complete your application online and get quick approval for your instant personal loan.

No part-prepayment charge on Flexi Loans

With our Flexi Loans, you can withdraw and part-prepay at no extra charges – as many times as you want.

No guarantor or collateral needed

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

Step-by-step guide to apply for a personal loan

1. Click on ‘CHECK ELIGIBILITY’ on this page.
2. Enter your 10-digit mobile number and the OTP sent to your phone.
3. Check if you have an offer. If not, fill in the application form with your basic loan details, such as your full name, PAN, date of birth, and PIN code.
4. Now, click on ‘PROCEED’ to visit the loan selection page.
5. Enter the offer or loan amount that you need. Choose from our three personal loan variants –Term, Flexi Term, and Flexi Hybrid Term.
6. Choose the repayment tenure and click on ‘PROCEED’.
7. Complete your KYC and submit your application.