Home Renovation Loan

Transform your house into your dream home with Kubiz. From ₹10,000 to ₹1,00,000 — instant funding for repairs, upgrades, and complete makeovers.

Get a loan online!

Who is eligible to apply?

Indian residents

Residency

Aged 21 to 55 years

Age

With a regular income

Minimum in-hand salary

Benefits of a Personal Loan for Home Renovation

Quick Access to Funds

No more postponing that urgent roof repair or bathroom upgrade. Get approved in minutes and start your renovation project immediately.

No Collateral or Property Papers Required

Your home doesn't need to be pledged. Get approved based on your income and eligibility — keep full ownership while you renovate.

100% Paperless & Online

Apply from the comfort of your home. No bank visits, no physical documentation. Complete everything through your phone in minutes.

Flexible Loan Amounts

Whether it's a small repair job or a complete room makeover, borrow exactly what you need — from ₹10,000 to ₹1,00,000.

Transparent Pricing with No Hidden Costs

Interest rates starting from 1.5% per month with all charges displayed upfront. What you see is exactly what you pay — no surprise fees.

Easy EMI Options

Choose repayment tenure from 3 to 12 months that fits your monthly budget. Repay through auto-debit or UPI — completely hassle-free.

RBI Compliant & Secure

Bank-grade security protects your personal and financial data. Kubiz is a registered NBFC you can trust with your renovation dreams.

Personal Loan Calculator

Get your first online loan in few minutes.

Loan amount

₹ 1,00,000

₹ 7,000

₹ 1,00,000

Loan term

7 months

3 months

6 months

Installment

Why You May Need a Home Renovation Loan

Your home is more than just four walls — it's where life happens, memories are made, and comfort matters most.

Keeping a home in perfect condition requires investment, and sometimes those needs arise unexpectedly or all at once.

Perhaps the monsoon revealed roof leaks that need urgent repair, or your aging parents need bathroom modifications for safety and accessibility. Maybe you’re expecting a new family member and need to create that nursery, or years of wear and tear on your kitchen cabinets and plumbing finally demand attention. Home renovation isn’t always about luxury — often it’s about necessity, safety, and improving quality of life.

A home renovation loan from Kubiz helps you tackle these projects without draining your savings or waiting months to accumulate funds. Whether you’re repainting walls before the festive season, upgrading outdated electrical wiring for safety, installing modern fixtures in your bathroom, or finally creating that home office space you’ve been dreaming of — immediate funding means you don’t have to compromise or delay.

For homeowners juggling multiple financial responsibilities, unexpected renovation needs can strain monthly budgets. Water damage, broken appliances, or termite treatment don’t wait for convenient timing. With Kubiz, you can address these issues promptly while spreading the cost over manageable EMIs. This means your emergency savings stay intact for true emergencies, and you’re not forced to choose between home repairs and other financial goals.

Beyond urgent repairs, renovation is also about enhancement. Installing energy-efficient lighting, upgrading to modern bathroom fittings, adding a fresh coat of paint, or renovating your modular kitchen — these improvements increase your home’s value and your family’s comfort. A Kubiz home renovation loan makes these upgrades accessible without the wait, so you can enjoy your improved living space now while repaying comfortably over time.

FAQ

No, property insurance is not mandatory for availing a home renovation loan from Kubiz. However, having home insurance is always a good practice to protect your property against unforeseen damage. Our loan approval is based on your income, credit profile, and repayment capacity — not on property insurance status.

Yes! While the loan is called a "home renovation loan," you can use it for furniture purchases as part of your home improvement project. Whether you're buying a new sofa set, bedroom furniture, modular kitchen cabinets, or dining table — as long as it's related to upgrading your home, you're good to go. Just mention the purpose in your application.

Very quickly! Most Kubiz home renovation loans are approved within minutes of application submission. Once approved, the money is credited directly to your bank account immediately — often within the same day. This means you can book your contractor, purchase materials, or start repairs without delay. The entire process from application to disbursal typically takes less than a few hours.

You can avail a home renovation loan of up to ₹1,00,000 from Kubiz, depending on your income, credit score, existing liabilities, and repayment capacity. First-time borrowers may start with lower amounts, but users with good repayment history can access higher limits in subsequent loans.

Kubiz offers competitive and transparent interest rates starting from 1.5% per month (rates vary based on your credit profile, income, and loan tenure). All charges are displayed upfront before you apply — absolutely no hidden fees or surprise costs.

You can choose flexible repayment tenures ranging from 3 to 6 months. Select an EMI plan that comfortably fits your monthly budget. Repayments can be made through auto-debit from your bank account or manually via UPI.

Absolutely! Kubiz encourages early repayment with zero prepayment penalties. If you receive a bonus, festive gift, or simply want to close the loan early to save on interest, you can do so anytime without any extra charges.

While not always mandatory, providing renovation estimates or quotations from contractors can help speed up your application process and may improve your approval chances. However, you're not required to have finalized contracts before applying — general renovation plans are sufficient.

Kubiz home renovation loans are primarily designed for property owners who are renovating their own homes. However, if you're making significant modifications to a rented property (with landlord permission) and can provide relevant documentation, please reach out to us at info@kubiz.in to discuss your specific situation.

You can apply for a fresh loan after completing your current loan tenure.
Users with excellent repayment history often qualify for higher amounts on subsequent applications.

Life can be unpredictable. If you miss an EMI, you'll receive reminders through SMS and app notifications. We encourage you to contact our support team at info@kubiz.in immediately — we'll work with you to find a feasible solution. Remember that consistent timely payments protect your credit score and improve future borrowing capacity.