Making your dream home a reality

AHFCL offers loans for renovation of an existing space for a more comfortable environment and a better quality of living. This loan facilitates internal and external repairs and other structural improvements in existing home. Towards this end, the AHFCL Home Improvement Loans would typically cover the following improvements: Tiling, Flooring, Roofing, Painting, Electrical work, Plumbing work, Furniture work, Waterproofing, and Grill work for windows.


Loan Amount

Cap of
85% of the estimated cost of improvement or Rs. 5 Lacs (whichever is lower)
* At the discretion of AHFCL

Loan Tenure

5 Years
10 Years
10 Years

We offer loans covering the total cost towards home improvement with the cost estimates approved by a certified engineer / architect and verified by an AHFCL valuer with a cap of 85% of the estimated cost of improvement.

Loan tenor may not be extended beyond the age of sixty (60) years in case of Salaried and Seventy (70) in case of self-employed customers at the time of loan maturity

Interest Rate
Customer Type Interest Rate RPLR Minus Spread AHFCL RPLR
Salaried 12.00% to 16.00% 6.50 % to 3.50 % 18.50%
Self Employed 12.00% to 16.00% 6.50 % to 3.50 % 18.50%
Self Employed / Non Professional 12.50% to 16.00% 6.50 % to 2.50 % 18.50%
* RPLR - Retail Prime Lending Rate
Processing Fees
Sr. No. Fees / Charges Type Description
1. Non-refundable Processing fees (IMD): Rs. 3,540 /- (Three Thousand, Five Hundred and Fourty only) The processing fee is a onetime non-refundable fee, and is collected by AHFCL for the purpose of appraising the application for the Loan and the same are independent of the outcome/result of such appraisal. Please note that the processing fees is payable at the time of submitting Application Form, duly filled in by way of cheque/Demand Draft favouring AHFCL and /or such other mode as may be acceptable to the Company.
2. Total Administration Fees (Inclusive of the non – refundable processing fees amount) 2.00% to 3% of the sanction amount plus applicable taxes and/ or other statutory levies

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