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Home Improvement Loan

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Aadhar Housing Finance Ltd (AHFL) - Home Improvement Loan

At Aadhar Housing Finance, we understand that everyone aspires to create their own identity with the home they live in.

You may want to repaint the house, or spruce up the flooring, or carry out any other renovation or repair works. At Aadhar Housing Finance, we look forward to helping you with our Home Improvement Loans for all your home renovation requirements..

Loan Amount

You can avail a home improvement loan online from Aadhar Housing Finance up to ₹1 Crore. However, this amount cannot exceed 100% of the estimated cost of renovation as certified by the chartered engineer or 100% of the cost that is estimated by our officer. The estimate that is lower will be considered. This amount is subject to a maximum of 80% of the overall market value of the property (75% in case the loan amount exceeds ₹75 Lac). The actual loan amount is determined after assessing the individual’s 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. 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

Maximum loan tenure for Bank Salaried is 30 years. For Cash Salaried, the maximum tenure is 20 years subject to retirement age. For Self Employed Professional/Self Employed Non-Professional, the loan tenure can be up to 20 years (on the condition that borrower’s age on loan maturity date remains less than 70 years). With such a flexible tenure, you can repay your loan without any financial stress.

EMI

You can start your repayment journey by paying monthly EMIs. The EMI amount that you have to pay depends on factors such as the tenure of the home loan, the interest rate on the loans, and the quantum of the loan. You can calculate the EMI to be repaid on your home loan by using our EMI calculator.

EMI Calculator

Applicant and Co-Applicant

You can apply for home loans offered by Aadhar Housing Finance either with a co-applicant or by yourself. It is not necessary for the co-applicant to be a co-owner of the property. However, all the co-owners should be co-applicants for the home loan. When you apply for home improvement loans online, your co-applicants can be your parents, spouse, or children*.

To get more information, click on the "Apply for Loan" button and share your details. An Aadhar representative will contact you shortly you submit the application form. You can also walk into the nearest Aadhar Housing Finance branch. To view the entire list of all available branches of Aadhar Housing Finance, please click here

For list of required documents, please click here.

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

Important

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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Customer Service

Customer Service

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