SIB Decor

Transform Your Home with SIB Decor

SIB Decor by South Indian Bank is designed to help you finance your dream home interiors. Whether it’s furnishing, modular kitchens, furniture, or white goods, this scheme ensures you don’t compromise on your dream home décor. With attractive interest rates, flexible terms, and digital documentation, SIB Decor makes your home transformation seamless.

Key Features and Benefits

Comprehensive funding

Eligibility for all home loan borrowers

Attractive interest rates

Digital documentation

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Purpose
- Purchase of household articles, white goods, electronic items.
- Expenses for furnishing, modular kitchens, furniture, or a combination of these in residential buildings.
Repayment period - Maximum 84 months or up to the remaining tenure of the home loan, whichever is earlier.
Collateral
- Hypothecation of assets acquired with the loan.
- Undertaking from property owners not to release the secured property during the loan period.

Achieve your dream of a perfect home with SIB Decor!

Explore Simple Eligibility Criteria

Existing customers - Individuals with an active housing loan from South Indian Bank (Domestic/NRI).
Property ownership - The owner of the residential property must be the borrower.
Co-borrower - Spouse or income-supporting person should be co-borrower(s).
Credit score
- If 100% collateral coverage is available: Minimum credit score of 730.
- If collateral coverage is less than 100%: Minimum credit score of 740.

Achieve your dream of a perfect home with SIB Decor!

Required Documents for Loan Application

Category	Required Documents
Repairs/Renovation	Repair Estimate, Approved Plan, Land/Building Tax Receipts,Possession Certificate.
KYC Documents	Passport/Voter ID/Driving License/PAN/Aadhar.
Income Documents	Salary Slips, Form 16, Bank Statements, or ITRs (as applicable).

Achieve your dream of a perfect home with SIB Decor!

Category	Details
Interest Rates	Check Interest Rates
Additional Charges	Click here for Service Charges

Fill in your details here and we will help you

Submit application - Visit your nearest South Indian Bank branch to fill out the application form.
Verification and approval - Our team will review and approve your application.
Disbursement - Receive the loan amount to finance your home decor.