Home Improvement Loan, Renovation Loan Online

Transform Your House into a Dream Home with Grihum Home Improvement Loans

Your home is more than just a place to live, it’s a reflection of your lifestyle, personality, and aspirations. At Grihum Housing Finance, we understand the pride you take in your space. That’s why our Home Improvement Loans are designed to help you reimagine, renovate, and revitalize your home—exactly the way you envision it.

Tailored Loans for Every Home Upgrade

Whether you're planning a complete makeover or focused enhancements—like redesigning interiors, installing smart tech, or handling essential repairs—our affordable and customizable loan options are built to support your vision.

Key Benefits at a Glance:

Solutions for Every Home Dream

Flexible Tenure Options

Hassle-Free Application Process

Minimum Documentation

End-to-End Doorstep Assistance

Solutions for Every Home Dream
From remodeling your existing space to expanding your home or purchasing a resale property—our versatile Home Improvement Loans meet every requirement. With loans starting from just ₹5 Lakhs and competitive interest rates, we make home upgrades accessible for everyone.
Flexible Tenure Options
Choose a repayment period that fits your lifestyle—from 1 year up to 30 years. Spread out your payments with lower EMIs for stress-free budgeting.
Hassle-Free Application Process
With simplified eligibility criteria and minimal paperwork, applying for a Home Improvement Loan has never been easier. We ensure a smooth and transparent process from application to disbursal.

Who Can Apply?

We offer Home Improvement Loans to a wide range of applicants—from salaried individuals to self-employed professionals and companies.

Category	Salaried Individuals	Self-Employed Individuals	Firms/ Companies
Age	Minimum age: 21 years	Minimum age: 21 years	Minimum age: 25 years (key people)
Income Requirement	Income: ₹20,000/month	Gross annual income: ₹3 Lakhs	Annual turnover: ₹10 Lakhs
Experience	Minimum 1 year	Minimum 2 years in business	Business vintage: 3 years
Citizenship	Indian	Indian	Proprietor/Partners/Directors

Required Documents for Home Improvement Loan

We keep documentation simple and straightforward:

Category	Salaried Individuals	Self-Employed Individuals	Firms/Companies
Identity Documents (Your PAN Card is mandatory, and any one of these)	Aadhaar Card Passport Driving License Voters ID	Aadhaar Card Passport Driving License Voters ID	GST Registration Certificate Registration Documents
Address Proof	Aadhaar Card Passport Driving License Voters ID Job Card by NREGA National Population Register Letter	Aadhaar Card Passport Driving License Voters ID Job Card by NREGA National Population Register Letter	Electricity Bill or Rent Agreement KYC of Partners/Directors
Income Proof	Last 3 months' salary slips, Form 16 Last 2 years' ITRs	Last 2 years’ Profit/Loss statement balance sheet, and ITRs	Last 2 years’ Profit/Loss statement balance sheet, and ITRs
Other Documents	Bank Statement: Last 6 months	Bank Statement: Last 6 months	Bank Statement: Last 6 months
Property Documents	Property documents along with legal & technical clearance	Property documents along with legal & technical clearance	Property documents along with legal & technical clearance

Transparent Interest Rates & Charges

We believe in clear, upfront pricing—no hidden costs.

Attractive Interest Rates

Processing Fee

Foreclosure Charges

Attractive Interest Rates
Processing Fee
0.50% of sanctioned loan + GST
Foreclosure Charges
Floating Rate Loans: No charges
Fixed Rate Loans: As per agreement/NHB norms
Other Charges: Refer to our detailed charges section

Know Your EMI in Advance

Use our EMI Calculator to plan your repayments better. Enter the loan amount, interest rate, and tenure to get an instant estimate of your monthly EMIs.