Personal Loan for Home Expenses

Cover costs that your home loan does not

Most home loans cover only 75–80% of your total expenses. That leaves you with additional costs like:

• Stamp duty and registration fees
• Brokerage or agent charges
• Interior setup and customisation

With a personal loan with quick approval, you can borrow only what you need, pay interest only on the withdrawn amount*, and manage these expenses without compromise.

Pro-tip: 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*.

Furnishing and interior

Furniture, lighting, curtains, and upholstery add personality to your home. Premium and designer options can be tempting, but a personal loan for interior design helps you get the look you want without straining your finances.

Pro tip: These extra costs can add up quickly. With a Flexi Loan, you can withdraw as needed from the dropline limit— instead of taking a lump sum upfront. Check your eligibility with phone number and OTP and know if you can get the Flexi Hybrid Term Loan.

Major repairs and maintenance

Every home requires upkeep. Whether it’s plumbing, roof repairs, or structural work, these costs can run high. A home repair loan allows you to cover these large expenses promptly, preventing bigger problems later.

Smart home

Transform your house into a tech-savvy home with voice-controlled lights, app-based security, and Wi-Fi-enabled appliances. Financing your smart upgrades with a flexible personal loan lets you pay at your own pace while increasing your property’s resale value.

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.

Unexpected expenses

From emergency plumbing issues to urgent appliance replacements, surprises are inevitable. A home maintenance financing option ensures you’re prepared for unexpected costs without dipping into savings.

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.

High loan amount

You can take a personal loan ranging from Rs. 40000 - Rs. 55 lakh- allowing you to manage different types of expenses.

Long repayment period

You can spread your repayment from 12 months to 96 months, 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.

Find out your loan offer in just two clicks. Offer or no offer, you can get our personal loan by meeting these 5 simple eligibility criteria: 

• Nationality: Indian
• Age: 21 years to 80 years*.
• Employed with: Public, private, or MNC.
• CIBIL Score: 650 or higher.
• Customer profile: Self-employed or Salaried

*You should be 80 years* or younger, at the end of the loan tenure.

Documents required for personal loan for home renovation

• 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
• roperty / Municipal tax receipt
• Utility bill
• Phone bill
• Real-time image / photograph
• Ration card

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 loan amount that you need. Choose from our personal loan variants.
6. Choose the repayment tenure and click on ‘PROCEED’.
7. Complete your KYC and submit your application.