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Home Improvement Loans - Grihum Housing

Home Improvement Loan

Give your home the care it needs

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

Solutions for Every Home Dream

Flexible Tenure Options

Flexible Tenure Options

Hassle-Free Application Process

Hassle-Free Application Process

Minimum Documentation

Minimum Documentation

End-to-End Doorstep Service

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 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.

Affordable interest rate

Attractive Interest Rates

Processing fee

Processing Fee

Foreclosure charges

Foreclosure Charges

  • Attractive Interest Rates
  • Processing Fee Upto 2% of Sanctioned loan amount
  • 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.

Why Choose Grihum Housing Finance?

  • Affordable Loans starting at ₹5 Lakhs
  • Flexible Tenures up to 30 years
  • Dedicated Relationship Managers
  • Doorstep Services for convenience
  • Quick Disbursal with minimum documentation

Ready to turn your renovation dreams into reality?

Apply today and experience home improvement the Grihum way—seamless, affordable, and made just for you.

Apply Now

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