Extra Liquidity
Top Up Home Loan
Need extra cash? Get a top-up on your existing home loan at interest rates much lower than personal loans. Use it for any personal need.
Low Interest RatesMinimal PaperworkQuick Credit
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Loan Details
Home Loan Top-Up Calculator
Calculate your EMI and total interest for a home loan top-up, and explore flexible repayment options.
Instant Approval
No Hidden Charges
100% Digital Process
Representative Example:
Borrow ₹2,00,000 over 12 months at 25.8% APR. Total repayment: ₹2,29,038.83 with monthly EMIs of ₹19,086.57.
EMI Calculator
₹2,00,000
12
25.8%
Monthly EMI
₹19,086.57
Total Interest
₹29,038.83
What is a Top-Up Home Loan?
An extra loan amount over and above your existing home loan:
- Usage: Can be used for any personal or professional need (Marriage, Medical, Business)
- Convenience: No new security required; uses the existing property
- Cost: Much cheaper than a Personal Loan
- Processing: Quick approval as documents are already with the bank
Eligibility Criteria
Based on your track record:
- Existing Customer: Must have a running home loan
- Repayment History: No EMI bounces in the last 12 months
- LTV Check: Total outstanding + Top-up should not exceed 80% of property market value
- Job Stability: Consistent income profile
Documents Required
Minimal paperwork:
- Latest salary slips/ITR (to reassess repayment capacity)
- Bank statements for the last 6 months
- Application form for Top-up
Benefits
Why this is a smart source of funds:
- Low Interest Rate: Usually same as home loan or +0.5%
- Long Tenure: Can match the remaining tenure of the home loan
- Tax Benefit: Available only if funds are used for home renovation/extension
- Consolidated EMI: Easy to manage
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