Already repaying a home loan? Get additional funds at near home-loan rates — much cheaper than a personal loan — without any collateral formalities.
Top-up loans are priced at 0.25–1% above your home loan rate — far cheaper than personal loans at 10–18%. For ₹20L over 5 years, you save ₹1.5–3L in interest.
Since the existing home loan property already serves as security, no fresh mortgage or guarantor is needed for the top-up amount.
The lender already has your KYC and property documents. Top-up approval usually needs only updated income and banking documents — faster and simpler.
Use the top-up amount for home renovation, education, wedding, medical, or any other personal or business need — no restrictions on usage.
If the top-up is used for repair or renovation of the mortgaged property, the interest paid qualifies for deduction under Section 24(b) up to ₹2 lakhs per year.
Since your credit and property are already known to the bank, top-up sanctions are processed in 3–5 working days — much faster than a fresh loan application.
Top-up loans are available to existing home loan borrowers who have a satisfactory repayment track record with their current lender.
Share your existing home loan details and fund requirement. We instantly check the top-up eligibility based on your repayment history and outstanding principal.
We evaluate whether getting the top-up from your existing lender is cheaper or whether a balance transfer + top-up from a new lender saves more money overall.
Upload updated income and banking documents. Since KYC and property documents are already with the lender, very little fresh paperwork is needed.
Top-up amount is credited to your bank account within 3–5 working days after document verification and credit sanction.
Get a top-up loan at near home-loan rates. Our advisors evaluate your eligibility and get you the best deal in 3–5 days.