Home Improvement Loan

At Aadhar Housing, we understand that everyone aspires to create his own identity with the home he lives in. You may want to repaint the house, or maybe spruce up the flooring depending on your lifestyle, at Aadhar Housing we look forward to help you with this with our Home Improvement Loans.

Loan Amount :

You can avail of an Aadhar Home Improvement Loan up to Rs. 20,00,000/- but not exceeding 80% of the cost (for exisiting customer of Aadhar Housing) and 50% of the cost for new customer of Aadhar Housing of the improvement work that you plan to do. The actual loan amount is determined after assessing the individuals requirement and the valuation of the property by Aadhar Housing Finance Ltd.

Purpose :

You can avail of an Aadhar Home Improvement loan for various purposes as mentioned below;

  • Flooring or Roofing
  • Plumbing
  • Plastering
  • Electrical Work
  • Painting
  • Grills and Sliding Doors & windows
  • Parapet wall & Boundary wall Underground or Overhead water tank
  • Replacement of doors & windows or Non- movable Assets viz. Furniture, Upholstery etc. are allowed to be considered under the above category

To calculate your indicative home loan eligibility based on your financial background you can use our Loan Eligibility Calculator

Tenure :

The maximum loan tenure on your Home Loan is up to 10* years. The tenure however does not extend beyond the retirement age or 60 years (65 years in case of Self-Employed individuals) whichever is earlier.


The EMI that you would be paying to repay the loan depends on factors like Quantum of loan, Interest rates applicable & the tenure you have taken the home loan for.

To calculate the indicative EMI on your home loan you can use our EMI Calculator

Applicant and Co-Applicant :

Aadhar Home Loans can either be applied individually or jointly. The Co-Applicant may or may not be a Co-owner of the property. However all the Co-owners of the property must be a Co-Applicant. Co-Applicants should be immediate family members like Spouse, Parents or Children*.

For more information, you can click on "Apply for Loan" button on the left side and provide your details and an Aadhar representative shall get in touch with you shortly.

To know more about our branches, please click here.

**Credit extended & technical evaluation of Home Loans at the sole discretion of Aadhar Housing Finance Ltd.

*Terms & Conditions apply