Qbera Open Nav
Simple . Fast . Secure

Home Improvement Loan

Home Renovation Loan Delhi
Apply now!
Choose your employment status to find the Qbera Loan that’s best for you!
I am Salaried (I currently work for a Private Ltd, Public Ltd, Govt., LLP)
I am Salaried (I currently work for a Proprietorship, Partnership Firm)
I am Self Employed (I have my own business)
I am Currently Not Employed
Loan amounts range from Rs.1,00,000 to Rs.15,00,000. APR ranges from 11.99% to 35.99%. Loan lengths range from 12 to 60 months. Administration fee ranges from 1% to 5%.

Home Improvement Loan in Delhi

As Indians we have the habit of visiting relatives and friends at their houses often. We even have special snacks bought and reserved on the off chance that someone drops by unannounced on a week night. That’s because we pride ourselves for being extremely hospitable. We go to great lengths to make our guests feel welcome in our homes. That’s why we want to be well prepared for guests visiting at the drop of a hat. That’s also why when your relatives or friends come over; you want to make your house look nice. You do not want your home to be a source of embarrassment for you. It should look well maintained and presentable. It should be a reflection of you and your family. Especially during festivals or when there are weddings in the family, you would expect more guests and thus you would want your home to look extra beautiful. Having peeling paint, broken tiles or leaky faucets just won’t do. We all know how expensive even the tiniest home improvement project can be. That’s why we at Qbera provide Home Improvement Loans: So that you have the funds needed to give your house the facelift it deserves. Here is why you should come around to taking the Home Improvement Loan from Qbera before the next festive/wedding season rolls around:  

Unique benefits of choosing Qbera’s Home Renovation Loan:

  • Easy application with minimal paperwork:
    You can completely forget about your money vows when it comes to home improvement once you choose Qbera to finance your plans. Simply fill up the online application (in a matter of ten minutes), submit the required documents and voila: You can have the amount that you are looking for in your account in just a day or two. 
  • Quick disbursal:
    A lot of times, by the time we decide that our homes need a renovation; it will already be very close to the event or festival for you to run around for the money. With Qbera’s personal loan, you can expect the loan to be processed and the amount to be credited in your account in just two days. It will take a lot longer for you to do the renovation than to actually get the amount needed in your account.
  • Simple approval:
    At Qbera we pride ourselves for being accommodative enough to accept loan applications from people who are working in a variety of companies: from start-ups to MNCs. While most banks which will only approve loans of those working in a small list of companies, we are much more accommodative and will accept applications from employees of most start-ups as well. As long as applicants are employed and earning Rs. 20,000 or above, there is a good chance that we will accept their loan application.
  • Just one day needed for money in your bank:
    Application, approval and disbursement of your funding can be done in just a day!
  • Flexible repayment:
    When it comes to repayment, we give you the leeway and flexibility to choose the tenure that you are most comfortable with. You can either choose to make the repayment in large amounts over a short period of time or in small amounts over a long period of time. You can choose tenure of one to three years. However, keep in mind that the EMI will be more the longer you take to repay the whole amount. Once you have crossed the one year mark, you can even make the whole repayment in one shot. You will be getting reminders from us in regular intervals so that you don’t miss any due dates and end up paying late fees.
  • 100% financing:
    You may be surprised at how much renovation will cost. The little projects that you undertake to make the whole house look good will add up before you know. If you don’t want the expenses to get out of hand, it is a good idea to plan out your renovation well before you apply for a loan. Make sure only what is absolutely necessary is on the list. The budget must be well informed, thus you should talk to the constructors to get an idea about how much each upgrade will cost. With Qbera’s personal loan you can be sure that all your expenses will be covered with one loan no matter how small or big (up to INR 10 lakhs).
  • No collateral:
    Our personal loans are unsecured which means that you do not have to put up your valuables as collateral.
  • Don’t depend on anyone:
    The best part of taking a loan is that you do not need to depend on anyone else to tend to your own home. By taking a home improvement loan, you can make your home look beautiful and then think about paying the loan off at your convenience.
  • Interest Rates on Home Renovation Loan:
    One of the main reasons that our customers choose our personal loan over others is because of the competitive interest rates that we offer: between 14-24%.
  • Fees and other charges:
    Interest rate is not the only that that attracts our customers; it is also the competitive rates of the fees and charges. The processing fee is just 2-3% (the exact percentage will depend on the loan amount that you avail). Other charges like late payment fees, prepayment charges, ECS/cheque bounce charges and special service request charges are as per the RBL norms.
  • Complete support:
    We commit to you the moment you decide to take a loan from us. We are available for any doubts and strive to make the whole process of borrowing money simple, quick and transparent. The whatsapp number that we are available at is +91 89719 28484. We are available anytime between 10AM and 6PM IST on weekdays, between 10AM and 1PM on weekends for any queries. You could also chat on the website with one of our staff or leave a query via email.

How to Apply for a Home Renovation Loan via Qbera:

Obtaining a home renovation loan is as easy as purchasing bhel puri. It’s a simple five step process:

  • Simply log on to Qbera.com, fill in the application form
  • Upload your bank statement on the website
  • Receive an offer from Qbera within 4 hours
  • A representative will come to you, at your convenience, to collect the documents
  • Within 24 hours, your money will be transferred to your account

Eligibility Criteria on Home Improvements Loans in Delhi:

  • Should be employed with a minimum salary of Rs. 20,000
  • Must be at least 23 years old
  • Should have a good Credit history in the past.

Documents Required for Home Renovation Loan:

  • Bank Statement
  • Income proof
  • Pan card
  • Aadhar card
  • Address proof
  • One photograph
  • 2 cancelled cheque leaves

1. What is the tenure of a personal loan from Qbera?

The loan tenure at Qbera is a flexible one and it ranges from 1 to 5 years (12 to 60 months).

2. What is an EMI?

It is the fixed amount that a borrower pays to the lender on a particular date every month. An EMI includes the principal and interest charged on a loan.

3. What is the minimum and maximum loan amount that I can get from Qbera?

The loan amount ranges between Rs. 25,000 to Rs. 10 Lacs.

4. What is unique about Qbera?

Our technology and lending partnership allow us to offer a world-class experience to our borrowers:

  • Paperless application
  • Instant lending decision
  • Digital verification of income, employment and residence
  • Disbursement of loan within 24-48 hours

Our CIBIL score cut-off is 625 and we can give loans to employees of more than 9 lac companies in India. Now you don’t have to get rejected by banks just because they have not analyzed and categorized your employer.

5. What should be my age to apply for a loan with Qbera?

You must be at least 23 years old to apply for a loan.

6. What should be my minimum salary to get a loan?

Your net monthly income must be Rs. 20,000 or more.

7. What should be my CIBIL score cut-off for a personal loan?

Our CIBIL score cut-off is 625 (V2 score).

8. What is the rate of interest charged on a personal loan?

Rate of interest depends on a borrower’s income, CIBIL score, employer, age etc. Qbera collects information from your application form and various other data sources to create a personalized loan offer for you. Our interest rates start at 11.99%.

9. What is the eligibility criteria to get a loan from Qbera?

To get a loan from Qbera, a borrower should meet the following eligibility criteria:

  • Must be a salaried employee.
  • Age must be between 23-55 years.
  • Net monthly income must be Rs. 20,000 or more.
  • No defaults in the last 24 months.
  • You must be residing in Delhi/NCR, Bangalore, Pune, Chennai, Mumbai or Hyderabad.

10. How do I apply for a loan online?

To apply for a loan online, click here. For queries, please Whatsapp us on +91 89719 28484.

11. What are the documents required to get a loan from Qbera?

The following documents would be required after your loan is digitally approved:

  • Aadhar Card
  • PAN Card
  • 4 cheques from your salary account
  • Current address proof
  • Permanent address proof (in case the permanent address is different from the address on Aadhar card)
  • Passport size photo

12. What is the processing fee charged on a personal loan by Qbera?

The processing fee ranges between 2% - 4%.

13. How can I repay my loan?

Qbera provides easy repayment of its smart loans through automatic debit of EMIs via NACH mandate.

14. Why was my loan application rejected at Qbera?

Although we have one of the best approval rates in the industry, we may have to reject some applications if they do not meet our basic qualification criteria. You can re-apply after 3 months in case you think that your credit profile has improved.

15. Can I re-apply for a loan?

Qbera requires you to wait for at least 3 months before re-applying for a personal loan.

16. How much time does Qbera take to process a loan application?

It will not take more than 10 minutes to fill up your online application form. Our technology allows us to disburse the approved loan amount within 24-48 hours.

17. Is part/prepayment allowed on my personal loan?

We do not allow part-payments. However, you can prepay your loan after completing 1 year of repayment. (Foreclosure charges: 5% + GST applicable).

18. Do I need to submit any collateral to get a personal loan from Qbera?

All personal loans offered by Qbera are unsecured. Hence, you need not submit any assets or property to secure a loan.

Interest Rate & Other Charges

Interest Rate
11.99% to 35.99%
Processing Fee
1% to 5% of total loan amount
Loan Amount
₹1,00,000 to ₹15,00,000
Loan Tenure
12 to 60 months
Getting a Qbera Smart Loan is Simple
Fill out our online application form
Step 1: Online Application Form
Get approved instantly
Fill out our online application form by answering a few questions about yourself, your employment, your education, expenses and needs. This process would take no longer than 10 minutes.
Connect your Bank Account
Step 2: Connect bank account
Submit your bank statements
Connect securely to your bank via netbanking and submit bank statements as part of the easy loan application form. Alternatively, you can upload bank generated pdf bank statements.
Select your loan term
Step 3: Loan term
Choose your Loan Term
Using our proprietary Credit Scoring Algorithm we determine your loan eligibility in real-time. Our algorithm uses the information about you, to determine your future potential and help you get the best rate instantly.
You’re done! Get the money in your Bank Account as early as tomorrow.
Example: A loan offer of ₹2 lac, for a tenure of 3 years at an interest Rate of 16.6% (on a reducing principal) and a processing fee of 2.5%. Translates to:
  1. Processing Fee deduction of ₹5000 (2.5% of 2 Lacs) from loan amount, thus, the amount credited to your account will be ₹1.95 Lacs
  2. EMI of ₹7091 per month
  3. Total payable amount in 3 years = 36 times ₹7091 = ₹2,55,276
  4. Total Interest paid in 3 years = ₹55,276, hence, annual interest paid = ₹18,425 (which translates to an effective flat annual rate of interest of 9.21%)
Repaying a Qbera Smart Loan is just as Simple
Repay your loan with automatic EMI payments.
  • Age: 21-57 years old
  • Net Monthly Income must be more than Rs. 18,000.
  • No defaults in the last 24 months.
  • Aadhaar Card
  • PAN Card
  • Current Address Proof


"I am really happy that I got a loan from Qbera. My application has been rejected by lenders in the past without giving any explanation for rejection. Qbera approved my loan with minimum documents. Thanks a lot once again."



"I would like to thank Qbera for speedy loan processing. I was having a tough time in deciding which bank would actually take my request for a loan as the loan was supposed to be for credit card payoff. I was forced to use my credit card for an unforeseen expense which I could not avoid and was finding it tough to pay back due to the high interest cost on credit cards. I did not want to make many enquiries as many requests can lower the CIBIL score. I contacted Qbera on a Monday and by evening itself they had an offer for me. They kept me informed through every step of the process and were also flexible with regards to my commitments. In the end, the loan was disbursed within two days of documents submission. Thank you Qbera for simplifying the process and helping me find a loan. " Show more...



"It was a nice experience with Qbera. I have never seen such an easy process for getting a loan, especially when you need it the most. Thank you Qbera for your support."



"I had a hassle-free experience with Qbera. It was a very easy application procedure and in a short span of 3 days I got my loan credited to my account. Thank you so much for the support Team Qbera"



"It was very easy to get a loan from Qbera. I just applied on their website and got a confirmed offer immediately. The amount was transferred soon after. Will give it 5 out of 5"



"It's good and quick response from the Qbera team to get the loan. They are very good at the communicating the things properly and appropriately"

Are you ready to get your Qbera Smart Loan?
Apply Now


Powered by InCred

We are a Bangalore-based company offering digital, quick, hassle-free personal loans to people when they need them.

Loan amounts range from Rs.1,00,000 to Rs.15,00,000. APR ranges from 11.99% to 35.99%. Loan lengths range from 12 to 60 months. Administration fee ranges from 1% to 5%.

* Subject to Risk Profile

Need Help?
Contact our support team via WhatsApp by clicking below:

E-mail: contact@qbera.com
Phone: 1800 4198 121
Whatsapp:+91 72080 56906
2nd Floor, Featherlite Vista Building,
MV Jayaram Road,
1st Main, Vasanth Nagar.
Bangalore 560 052

© 2021 Qbera | All Rights Reserved