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Home Improvement Loan

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Aadhar Housing Finance Ltd (AHFL) - 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. 1,00,00,000/- but not exceeding 100% of estimated cost as certified by chartered engineer or 100% of Cost certified by our technical officer whichever is lower, Subject to Maximum 80% of overall market value of the property.

The actual loan amount is determined after assessing the individuals requirement and the valuation of the property by Aadhar Housing Finance Ltd.


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. 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


The maximum loan tenure on your Home Loan is up to 20* years. The tenure however does not extend beyond the retirement age or 60 years (70 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.

You may also walk in to the nearest Aadhar Housing finance branch in your city.
For complete list of Aadhar Housing finance branches, please click here

*Terms & Conditions apply. Credit is to be extended at the sole discretion of Aadhar Housing Finance Ltd.


You can now avail subsidy from the Central Govt. on purchase of your first house under "Pradhan Mantri Awas Yojna". For more details click below


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For customer grievances, enquiry, feedback please email your concerns/issues to or
Call us at : 1800 3004 2020 (Toll Free)