Product Overview
Top-up Loan
Get additional, low-cost liquidity over your existing home or property loan. Quick approval, minimal documentation, and attractive retail rates.
Interest Rate8.65% - 12.00% p.a.
Max AmountUp to ₹1 Crore
Max TenureUp to 20 Years
Product Benefits
Interest rates significantly lower than personal or business loans.
Minimal documentation required as primary home/property loan details already exist.
Flexible usage: Home renovation, business cash flow, or education expenses.
Tax benefits if utilized for home construction or renovation.
Eligibility Guidelines
Must have an active primary Home Loan or Loan Against Property.
Clear repayment track record of 12+ months on primary loan.
No defaults or consecutive delays on EMIs.
Outstanding property equity matches proposed top-up requirements.
Documents Required
Required Document Checklist
Aadhaar Card and PAN Card.
Last 3 Months Salary Slips (Salaried) or 2 Years ITR (Self Employed).
Last 6 Months Bank Statement (showing active EMIs).
Outstanding balance letter of the primary loan.
How to Apply & Processing Flow
1
Submit your existing loan details and required top-up amount.2
Our experts verify repayment history and property valuation delta.3
Documentation is collected and linked with the active primary file.4
Fast-track approval and disbursement directly into account.Product FAQ
How is the maximum top-up loan amount calculated?It is determined by your property's current market value minus the outstanding balance on your primary loan, subject to LTV limits.
Can I get a top-up loan from a different bank?Yes, you can do a Home Loan Balance Transfer + Top-Up, switching your active loan to a cheaper bank and getting additional funds at the same time.
Not sure about borrowing limit?Use Eligibility Checker