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Home Improvement Loan

Upgrade your home with this Loan

Apply For Home Improvement Loan

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Top Features Of Home Improvement Loan

About Home Improvement Loan

    Now convert your house into a contemporary home with Home Improvement (Repair and Renovation) Loan from AU Small Finance Bank. This loan helps you upgrade your existing home into a comfortable living space with speedy approvals, competitive rates, easy process, and minimum paper work.

    Our relationship officers will guide you through the Home Loan application procedure. They also provide guidance regarding the selection of the right Home Loan mix to the calculation of suitable Home Loan EMI value and tenure. Apart from guiding you through the Home Loan application procedure, we also provide excellent post-disbursement services.

Features of Home Improvement Loan

  • Available for formal & informal income proof customers​: Loan is available with minimal or no income proof and with the support of other documentation.
  • No hidden charges: Completely transparent process without any hidden charges.
  • Doorstep services: Doorstep home loan services by AU Home Loan experts along with expert financial counselling.
  • Easily available in rural India: Wide branch network with availability in rural, semi-urban, and urban areas across locations.
  • Loan up to 100% estimated cost: Home Improvement Loan is available up to 100% of the estimated cost.

Benefits of Home Improvement Loan

  • Wide branch network: Available at 400+ locations across India.
  • Tax benefit on AU Small Finance Bank Home Loan: Under Section 24, 80EE & 80C of Income Tax Act.
  • Different modes for payment available: E-NACH/ ECS/ ACH and other state-of-the-art modes.
  • Highest Home Loan eligibility: You can improve your existing home to a good and comfortable one for you and your loved ones.
  • Doorstep services: Experienced staff to provide door-to-door services with quick processing and disbursal of loans.

Eligibility Criteria:

  • Indian Resident
  • Minimum age – 18 years
  • Maximum age – 70 years at maturity
  • Minimum Home Loan tenure – 1 Year
  • Maximum Home Loan tenure – 20 years
  • Minimum Loan amount – INR 2,00,000

Documents required for Home Improvement Loan

Purpose Documents
Identity, age and address proof 1. Valid Passport
2. Voter ID Card
3. Aadhaar Card
4. PAN card
5. Valid Driving License
For the complete list of acceptable KYC documents, please contact the nearest AU branch
Income proof
1. Salary Slips/ Bank Statements/ Form-16
2. Salary Certificate (cash salaried cases)
1. IT Returns and/ or Financial Statements of last 3 years
And/ Or
2. Informal Income Documents
Other documents 1. Application form with photograph duly signed
2. Processing fee cheque
3. Proof of business existence
4. Last 6 months bank statements
Property related documents 1. Title deeds of the plot
2. Proof of no encumbrances on the property
3. Construction estimate by an architect/ civil engineer

Please go through the Schedule of Charges for further details.

Know more about the different types of Home Loans we offer.

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Make an informed decision regarding taking a Home Loan by using our Home Loan calculator here.

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