Qbera Open Nav
Simple . Fast . Secure

Home Improvement Loan

Qbera Instant Personal Loan!
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 Ahmedabad

Looking for a home renovation loan in Ahmedabad? Qbera is here to help you get one with the easiest application process and extremely quick disbursal. Renovation can be as memorable an experience as buying a new home. More importantly, it is quicker and a deal that’s far better than investing a huge chunk of savings in a new home. 

We understand that even renovation of your home would require an initial deposit to the contractor, money for good quality of raw material, and design inputs from an interior designer. Apply for a home improvement loan in Ahmedabad and cover all these expenses to bring your dream home to life. 

There are several banks and NBFCs that provide home renovation loans in Ahmedabad, but Qbera is a Fintech lender that offers a great deal of benefits when you get a personal loan for home renovation.

Benefits of a home improvement loan in Ahmedabad through Qbera

Apply online 

If you have already ideated the changes you want to make in your home, then the money to accomplish it is just a few clicks away. Sit back at home and apply for a home renovation loan in Ahmedabad through Qbera.com. 

Check eligibility & calculate your EMI online

Our online EMI calculator helps you save a great deal of time by allowing you to find out 2 things at a time – your loan eligibility (amount) and your EMI. When you decide to apply for a home renovation loan, login to Qbera.com or click here to find out your EMI. 

While you calculate the EMI, you will be asked to provide the values of your net monthly income and current EMIs if you are paying any. By toggling between these two values, Qbera will help you with an estimated loan amount that you would be eligible for.

Low cut-off for credit score

Yes, Qbera does not follow the traditional procedure while underwriting a personal loan for home improvement. We offer instant loans for home improvement in Ahmedabad to those individuals who have a credit score as low as 600. We believe that every salaried individual, even if he/she earns a moderate monthly income of Rs. 20,000 or more, is worthy of unsecured credit. 

Low EMIs

EMIs are the first thing we want to find out when we are finalizing on a personal loan. A fixed amount from our salary will be directed towards the monthly payments of the home renovation loan. However, the EMIs offered at Qbera are so low that they don’t disrupt your monthly savings to make other important payments. Our EMIs start at Rs. 2700 per month. 


The purpose of asking for your personal and employment information while you apply for a home improvement loan in Ahmedabad, is to assess your  creditworthiness. We don’t mean to share your personal details with others. We use bank level security to keep your data safe with us. 

Check out few ideas on how you would like to use your home renovation loan in Ahmedabad

1. Get a modular kitchen

Give your Mom a surprise by changing the way she cooks those delicious dishes for you every day. A modular kitchen looks much more organized, neat and easy to operate while you are in there. The drawers, shelves and cabinets will be a great help in organizing the storage of her kitchenware items. 

2. Get marble floors

This sounds luxurious, but glance through the plethora of flooring options and you’ll surely get an affordable one. A home renovation loan can definitely cover those expenses and help you get a lavish flooring for your home, and entirely change the way it looked. 

3. Modify your living room

The idea of modifying your living room can be overwhelming along with being exciting. But a home improvement loan in Ahmedabad from Qbera can help you with the finances. You can consult a designer and style up your living room based on color themes or even by your preferences. Do you prefer a large seating area? Or will you use it for frequent parties? It’s all up to you. 

4. Renovate the bathroom

This might not be in your list of priorities. But yes, it makes a significant difference to your daily life. If you search online, there are plenty of bathroom remodeling ideas that can give your bathroom a better look. 

Interest rates for home renovation loan in Ahmedabad

The interest rate that we offer at Qbera is a competitive one that falls anywhere between the range of 11.99-24% p.a. The rate of interest depends on various factors such as your income, employer, age etc. We extract information from the details provided by you in the application form, to judge your future repayment capacity and offer the best rate.

1. How is a home renovation loan different from a home loan?

A home renovation loan from Qbera is a personal loan which does not require any collaterals to be submitted as security. Unlike home loan that lasts for 10-20 years, a home renovation loan can be completed within 12-60 months. Moreover, you can do any kind of repair, modification or improvement in your home in a faster and affordable way. 

2. What is the minimum income criteria to get a home improvement loan?

At Qbera, it is easier for a middle class salaried individual to get a home renovation loan in Ahmedabad if he earns Rs. 20,000 or more per month. 

3. How much amount can I borrow through a personal loan for home renovation in Ahmedabad?

Our loan amount ranges from Rs. 25,000 to Rs. 10 Lacs. We offer financial aid to those salaried individuals in Ahmedabad who need it the most.

4. What is the administrative fee that Qbera will charge on my personal loan?

Qbera charges a minimal fee of 2-4% on a personal loan for home improvement. 

5. How much time will I get to repay the loan amount?

With Qbera, you can choose from a flexible loan period from 6 to 60 months, and pay through easy EMIs. 

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