With Diwali celebrated across the country on Monday, October 20, many families are gearing up to renovate or expand their homes. While some are sprucing up interiors and adding festive decorations, others are eyeing major repairs or even new construction. However, such projects often come with hefty expenses, and not everyone has the liquidity to fund them outright. For most, a home loan becomes a necessary option.

A common question arises when the property is not in one’s name but owned by a relative such as a mother or grandmother: Can a loan be taken in such cases, and what is the process?

Pradeep Mishra, property expert and founder of Oram Developments, explains that home renovation loans are generally available for pre-built properties. “If there is already a house on your grandmoth

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