Pay Nothing Up front
With a Personal loan, you can buy a modular kitchen on EMI with no or little upfront payment. You could also modernise your kitchen today instead of waiting until you have saved up enough.
Modular Kitchen on EMI
100% Digital Process
Easy Repayment in 12 to 36 Months
Instant Approval in 10 Minutes
Calculate Personal Loan EMI 
Why Choose a Modular Kitchen on EMI?
A modular kitchen combines stylish looks, clever storage, and excellent function so that you can utilise maximum space available. When you choose to build a modular kitchen on EMI, a Personal Loan lets you go for a high-end design and premium kitchen quality by making payments easy and affordable. With the option of flexible EMI tenures between 12 and 36 months, you can select an amount to pay suitable to your budget.
Personal Loan Benefits to Build a Modular Kitchen on EMI
Here’s a look at the benefits of building a modular kitchen on EMI:
Types of Modular Kitchen Designs Available on EMI
You can select from many different brands and types of modular kitchen designs on EMI. Just make sure that the brand, type, style and specifications suit your space, aesthetic, and budget. Choose the modular kitchen designs on EMI with premium quality finishes when designing your kitchen without financial worries.
Personal Loan Eligibility Criteria for Modular Kitchen on EMI
Hero FinCorp will assess your profile, income consistency, and KYC. Eligibility for a personal loan under emi have these conditions:
| Eligibility Criteria | Details |
|---|---|
| Age | 21 to 58 Years |
| Citizenship/Residential Status | Indian citizen only |
| Type of Employment | Salaried and Self-employed |
| Minimum Monthly Salary | Rs 15,000 |
| Minimum Work Experience | 6 months (Salaried), 2 years (Self-employed) |
Required Documents to Apply Personal Loan for Modular Kitchen on EMI
Salaried or self-employed persons requiring financing for a kitchen renovation on EMI can get a personal loan from Hero FinCorp by following a 100% digital process. Just handy your below documents for instant loan verification.
- Pan Card
- Aadhar Card
Personal Laon Interest Rates & Charges for Modular Kitchen on EMI
Interest rates and charges personal loan under EMI on modular kitchen include the following:
| Charge | Details |
|---|---|
| Interest Rate | Starting at 19% p.a. |
| Loan Processing Charges | Minimum 2.5% + GST |
| Prepayment Charges | N.A. |
| Foreclosure Charges | 5% + GST |
| EMI Bounce Charges | Rs 350 |
| Interest on Overdue EMIs | 1–2% of the overdue loan/EMI amount per month |
| Cheque Bounce Charges | Fixed nominal penalty |
| Loan Cancellation | - Online loan application: No cancellation fees - Interest paid: Non-refundable - Processing charges: Non-refundable |
Flexible Loan Options for Modular Kitchen on EMI
Loan Amount Going Up to Rs 5 Lakh
Handle a small project or a premium kitchen project with loans of up to Rs 5 Lakh.
Repayment tenure of 12 to 36 Months
Repayment tenure of 12 to 36 months for flexibility to choose the lowest monthly EMI or a shorter payback period, according to your budget.
Competitive Interest Rates and EMI Tools
Hero FinCorp offers competitive rates. Use an EMI loan calculator to estimate monthly payments and total loan cost.
How to Apply for a Personal Loan to Build Modular Kitchen on EMI with Hero FinCorp?
Let's look at how to apply for a personal loan to buy a modular kitchen on EMI.
- 1
Go to Hero FinCorp's website/personal loan app
- 2
Find the personal loan page and click ''apply now'
- 3
Enter your mobile number and verify on OTP
- 4
Choose the loan amount as per your need
- 5
Verify KYC details to see your income eligibility
- 6
Click 'Submit' to complete your loan application
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Frequently Asked Questions
Depending on your eligibility, income profile, and repayment ability, you can avail a modular kitchen loan amount of up to Rs 5 Lakh.
Yes, you can fully customise designs, layouts and finishes as a whole. The EMI financing covers the price of the cabinets, fittings and up-market accessories.
Simply choose your design, apply for a Personal Loan online with Hero FinCorp and submit your KYC and income details for approval in 10 minutes.
Basic documents are PAN, Aadhaar or an address proof, income proof (salary slips/ITR) and recent bank statements.
Reputed lenders, such as Hero FinCorp, provide complete transparency. Other than processing fees, and the rate of interest, there are no additional charges.
At Hero FinCorp, the EMI repayment tenure is available for 12 to 36 months, so you can choose an EMI plan that works best for your financial commitments.