Home finance
Top-Up Loan
Additional finance sanctioned over and above your existing home loan or LAP, priced close to the base loan rate. Far cheaper than a personal loan and usually approved with very little fresh documentation.
- Interest rate
- 8.75% – 13.5% p.a.
- Loan amount
- ₹1 Lakh – ₹2 Crore
- Tenure
- Up to residual tenure of base loan
- Processing fee
- 0.5% – 1% of loan amount
Features
What the top-up loan gives you
- Rates far below unsecured personal or business loans
- Minimal fresh documentation on an existing relationship
- No end-use restriction other than speculation
- Same EMI date and account as the base loan
- Available alongside a balance transfer to a new lender
Eligibility
Who qualifies
- Existing home loan or LAP with 12+ months of clean repayment
- Combined exposure within the lender's LTV cap on the property
- Income supporting the enhanced total EMI
- No delinquency on any credit facility
Documents
Checklist to keep ready
KYC
- • PAN
- • Aadhaar
- • Photographs
Existing Loan
- • Sanction letter
- • 12 months repayment statement
Income
- • Latest salary slips or ITR
- • 6-12 months bank statements
Calculator
Estimate your EMI and eligibility
Indicative figures only. Your final rate depends on the lender's assessment of your credit profile, income and, for secured loans, the property.
Monthly EMI
₹17,496
- Principal
- ₹15,00,000
- Total interest
- ₹10,19,366
- Total payable
- ₹25,19,366
Your personalised explanation will appear here. Indicative only — final approval depends on the lender.
Want the full picture?
Read our written eligibility guide — how FOIR at 80% of income works, credit score bands, and eligibility checklists for all 13 loan products.
Read the Eligibility GuideFAQs
Top-Up Loan questions
Related loan services
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