Beware of fraud! It has come to our notice that some unscrupulous people, who are neither affiliated with Aditya Birla Capital Ltd nor Aditya Birla Housing Finance Limited are cheating people of their money by promising loans at an unrealistic interest rate via fake marketing banners/ websites, etc. by misusing our name, brand and/or logo and employee information. Please verify the loan offer by calling us on 1800 270 7000 or writing to us on To know more, click here

Home Renovation Loan

A home is usually said to be a reflection of its owner. You can now spruce up your home and make renovation a milestone as memorable and enjoyable as home buying. With ABHFL Home Renovation Loans you can upgrade your existing home to a contemporary design and a more comfortable living space.​​

Interest Rates

ABHFL offers low home loan interest rates starting from 6.70*% p.a. This rate of interest is applicable to Home Loans, Balance Transfer Loans, House Renovation and Home Extensions Loans.

ABHFL offers an adjustable-rate loan also known as a floating rate loan as well as a trufixed loan in which the interest rate on the home loan remains fixed for a specific tenure (say first two years of the entire loan tenure) after which it converts into an adjustable-rate loan.

 Features & Benefits of Home Improvement Loan

Your home is where you build memories with your loved ones. It's your own little piece of heaven. ABFHL presents home loans, especially designed just for you.

  • Attractive interest rates
  • Loan tenure up to 10 years*
  • Quick & transparent processing
  • Nil pre-payment charges for floating rate home loans given to individuals
  • Attractive balance transfer option available
  • ​Door step services

* Disclaimer - All loans will be at the sole discretion of ABHFL

Home Renovation Loan Eligibility

  • Minimum age of applicant - 21 yrs
  • Maximum age of applicant at loan maturity - 60 years for salaried, 70 years for self employed
  • Loan to property value -
    Upto 30 Lakhs
    30 Lakhs to 75 Lakhs More than 75 Lakhs
    90 % ​80 % ​​​​​​​75 %

Fees & Other Charges

Transaction Charges​
Loan Processing /Administration Fee​ Home Loans : Up-to 1% of the loan amount
Other Loans : Up-to 2% of the loan amount
Part Payment/Pre-Closure Charges:
Any part pre-payments made in the last 12 months prior to closure will be counted towards the pre-closure charges (applicable for non individuals/ individuals with other than floating rate)
  • Floating rate loans given to indivi​duals, where all applicants and co-applicants are individuals: Nil​
  • Home Loans (other than floating rate Home Lo​ans to individuals): 2% of principal outstanding
  • Loan against Property & Lease Rental Discounting: 4% of principal outstanding
  • Loan against Property or Lease Rental discounting (other than floating rate loans to individuals): 4% of principal outstanding
Other Charges:
Default Penal Interest Rate / Non Conformance with
any covenants / stipulated conditions
24% p.a. i.e. 2% per month
NACH failure charges ₹750/- per instance
Accrued Interest As applicable based on actual delayed status or as communicated by the lender from time to time
CERSAI charges (You may visit the website of CERSAI for all such charges at
  • When facility amount is equal to ₹.5 lacs or lesser – ₹.50 per property
  • When facility amount is greater than ₹5 lacs – ₹100 per property
Pre-closure quote ₹1,000/- per instance
Request for Copies of any collateral held with ABHFL ₹750/- per instance
Duplicate Statement/ Repayment Schedule / any other document held with ABHFL request ₹200/- per instance
Cheque Return Charges/ECS failure charges ₹750/- per instance
CIBIL report retrieval fee ₹50/- per instance for Consumer and ₹500/- for Commercial CIBIL
Loan Re-schedulement (at discretion of ABHFL) charges 0.50%
NOC issuance charges ₹500
Cancellation Charges if any 4.00% of loan amount disbursed
Swap Charges (Fixed or semi-fixed rate to floating and vice-versa at discretion of ABHFL) 2% of the loan outstanding
  • Stamp Duty​
  • Legal and other statutory charges
  • Insurance Premium
  • ​Creation charge with ROC
As per actual, where applicable
Above charges constitute the rack rate for all customers. Actual charges for any customer, if different, will be as communicated at the time of loan sanction and disbursal and would be subject to changes from time to time.​​

Fees and Other charges (applicable GST @ 18% will be levied on these charges)

Home Improvement Loan Documents

Purpose Salaried Self Employed / Professional / Partnership / Company
Proof of I​dentity and Address Passport or Voter's ID card or Driving License or Job Card issued by NREGA or Adhaar Card or Registration certificate or PAN card (PAN Card only as identity proof) or any other document as acceptable to ABHFL
Proof of Income Latest 3 months salary slip showing all deductions & Form 16 IT Returns or financial documents for last 2 years and computation of income certified by a CA for last 2 years​
Bank statement where salary or income is credited Latest 6 months Latest 6 months
Proof Other Income Rental receipts or documents showing receipt of income
Property Documents Copy of Title documents and approved sanction plan ​​​​​​


  • Ag​ra
  • Ajmer
  • Ahmedabad
  • Aurangabad​​
  • Bangalore
  • Baroda
  • Bhopal
  • Bhubhaneshwar
  • Chandigarh
  • Chennai
  • Coimbatore
  • Dehradun
  • Delhi & NCR
  • Gurgaon
  • Hyderabad
  • Indore
  • Jaipur
  • Jodhpur
  • Kolkata
  • Kanpur
  • Lucknow
  • Ludhiana
  • Mumbai
  • Meerut
  • Nagpur
  • Nashik​
  • Noida
  • Pune
  • Raipur
  • Rajkot
  • Ranchi
  • Surat
  • Thane
  • Udaipur
  • Vashi
  • Vijaywada
  • Vishakhapatnam

Toll free (Within India):


Timings – 9am to 9pm

Email on:

If your query hasn't been resolved, you can
write to the ABHFL CEO desk by filling the form

Choose your nearest location
Locate Us

Branch Timings – 10 am to 6 pm
(Lunch – 1 pm to 1.30 pm)
Holidays - Every 1st & 2nd Saturday & all Sundays