5.7cr+
Satisfied Customers
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 unknown personal need.
65+
Lending Partners
Rs.65k Cr+
Loans Disbursed
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 9.99% APR. Total repayment: ₹2,10,986.97 with monthly EMIs of ₹17,582.25.
EMI Calculator
Select Your Bank
Enter Loan Amount
₹2,00,000
50K50L
9.99
8%30%
1
1Y10Y
Monthly EMI
₹17,582.25
Total Interest
₹10,986.97
What is a Top-Up Home Loan?
An extra loan amount over and above your existing home loan:
- Usage: Can be used for unknown 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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