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Home Renovation Loan EMI Options

The 3 Hows of deciding the right EMI

  • How soon do you want to pay off the home renovation loan?
  • How much can you afford to pay in a month?
  • How much of an interest rate are you comfortable with?

STANDARD EMI PLAN

Standard EMI Plan allows you to pay the principal amount along with the interest consistently for your defined tenure.
  • EMI amount remains the same for the entire loan period
Ideal if

You have consistent income

STEP UP FLEXI EMI PLAN

Step Up Flexi EMI Plan offers great flexibility. This repayment option allows you to pay lower EMIs at the beginning and as your salary increases you pay higher EMIs.
  • Pay more when you can afford
  • Helps to manage income flow efficiently
Ideal if
You expect your income to increase at regular intervals

How much EMI do you need to pay?

Equated Monthly Instalment (EMI) depends on the principal loan amount, the interest rate charged and the tenure for which the loan is taken.

You can choose your EMI amount that is comfortable for you by using the Home Renovation Loan EMI calculator

How can you repay your Home Renovation Loan?

You can decide how you want to repay the personal loan for home renovation. For a fixed amount of loan and interest, you can choose the tenure and EMI that is comfortable to you. The longer the tenure, lower will be the EMI. You can also prepay your home renovation loan after meeting defined terms and conditions. 

 You can pay your personal loan for home renovation through auto debit or ECS facility. In exceptional cases, you can also opt for a post-dated cheque payment facility.

EMI Calculator

Pre-Payment Calculator

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