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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%.

Renovation Loan in Kolkata

A home renovation loan from Qbera might just be the perfect solution to giving your home a stunning facelift. Qbera offers personal loans for home renovation to salaried individuals in Kolkata with a minimum net monthly income of Rs. 18,000 and a minimum credit score of 600. 

Are you confused between buying a new house or renovating the old? Well, the cheapest way is to go for renovation. Renovation of a property takes less time and money. Still, if you are thinking between a home loan and a loan for house renovation be advised that the latter is more feasible as well as quick. The heritage city of Kolkata has many houses that can be made up to date by renovating them. An instant renovation loan in Kolkata from Qbera can be the best answer regarding this.

With minimal investment, you can clear up the repairs of an old building as well as modernize it to make it spic and span for the new era. A renovation loan is a personal loan given out for the renovation of the property. It is easily available as Qbera takes only 24-48 hours post successful document verification to disburse the amount.

Home Renovation Loan in Kolkata - Difference between Qbera and Traditional Lending Institutions


Processing fee

1% -5%

2.25% of principal + GST

Interest rate

Starting at 10.99%

Starting at 11.99%

Credit Score required

600 and above

750 and above

Loan amount 

Up to Rs 25 00 000

Up to Rs 15 00 000

Minimum age required

23 years

21 years

Pre-closure Charges

5% + GST

5% + GST after a lock-in period

Features of a renovation loan in Kolkata from Qbera

Cheaper when compared to Home loans: New property in cities is just not cheap and so they are always big-ticket home loans that are able to cover a new property. This is a big responsibility and one that has an impact for years. It is better to opt for a personal loan for home renovation and refurbish your old dwelling into a new one.

Collateral free loans: With a home renovation loan, you do not need to put any asset on the line. This is unlike a home loan which is a secured loan and your property documents are in custody of the bank providing the home loan.

Digital loans: The advancement in information and technology has made these loans truly digital. A renovation loan in Kolkata can be applied for from the comfort of your home or office, the documents are uploaded, and executive collects other documents like Aadhar and PAN card from the doorstep and verification is carried out. The process is seamlessly done online.

Steps to apply for a renovation loan in Kolkata

  1. Login to www. Qbera.com and apply for the personal loan.

  2. Fill in the details such as the loan purpose as well as personal and professional details.

  3. The loan eligibility is instantly communicated.

  4. On being eligible for the loan, you are required to submit validating documents such as bank statements and salary slips.

  5. The verification of your residence and job profile is carried out.

  6. After successful verification, a personalized loan quote is mailed to you. This mail contains loan amount approved, the applied rate of interest and the loan tenure.

  7. Upon acceptance of the loan quote, the amount is transferred to your bank account.

View a complete list of our FAQs at our help center

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?
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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

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