HDFC Bank Top Up Home Loan

HDFC Bank Top Up Home Loan Highlights – 2025
Interest Rates	9.00% – 10.95% p.a.
Tenure	Up to 15 years
Loan Amount	Up to Rs 50 lakh
Processing Fees	Maximum of 1% of loan amount (Minimum PF of Rs.7500)

Note: Interest rates as of 4 April 2025.

HDFC Bank Home Loan Top Up Interest Rates

HDFC Bank Home Loan Interest rates for Top Up Loan ranges between 9.00% and 10.95% p.a. The detailed breakup of the HDFC Bank Top Up Loan interest rates are given below:

Standard Home Loan Top Up Rates (For Salaried and Self-Employed)

Outstanding Home Loan plus Top Up Loan 

Particulars	Interest Rate (% p.a.)
Top Up Loan for Existing Customers	10.40-10.95

Balance Transfer plus Top Up Simultaneous Loan

Particulars	Interest Rate (% p.a.)
For all loan amounts	9.70 – 10.25

Also Check: Home Loan Interest Rates

HDFC Bank Top Up Home Loan Amount

Some of the main conditions related to the HDFC Bank Top Up Loan amount are as follows:

• The maximum top up loan that a borrower can avail of is Rs 50 lakh or the originally sanctioned loan amount (of all their home loans), whichever is lower.
• The top up loan component along with the cumulative outstanding loans should not exceed the overall cap of 80% of the market value of mortgaged property (for cumulative exposure of up to Rs 75 lakh) and 75% of the market value of mortgaged property (for cumulative exposure of more than Rs 75 lakh).

HDFC Bank Top Up Home Loan Tenure

• The maximum tenure for the HDFC Bank Home Loan Top Up loan is 15 years.
• The loan tenure for HDFC Bank Home Loan Top Up is dependent on factors like borrower’s profile, age of borrower (at loan maturity), age of property (at loan maturity), repayment scheme and any other terms applicable based on the HDFC Bank rules and regulations.

HDFC Bank Home Loan Top Up Fees & Charges

The processing fees and other charges incurred for availing HDFC Bank Top Up Home Loans are as follows:

Processing Charges 

Particulars

Rates

Processing Fees

For Salaried and Self-Employed Professionals: Rs 3,000 or up to 0.50% of loan amount (whichever is higher), plus the applicable taxes. Minimum Retention Amount is 50% of the applicable fees or Rs  3,000 plus applicable taxes (whichever is higher). For Self-Employed Non-Professionals: Rs 4,500 or up to 1.50% of loan amount (whichever is higher), plus the applicable taxes. Minimum Retention Amount is 50% of the applicable fees or Rs 4,500 plus applicable taxes (whichever is higher).

Prepayment Charges 

Particulars	Rates
Combination Rate Home Loan (TruFixed) and Adjustable Rate Loans (Floating) during applicability period of variable interest rate	No prepayment charges (for loans sanctioned to individual borrowers) on part or full repayments apart from when loan is sanctioned for business purposes
Combination Rate Home Loan (TruFixed) and Fixed Rate Loans during applicability period of fixed interest rate	2% plus statutory levies/applicable taxes on part or full repayments (except when repayment is made through own source*)

*Own Source means any source other than borrowing from a housing finance company, non-banking financial company, bank or financial institution.

Conversion Fees and Other Charges 

Particulars	Rates
Switching to lower rate in variable rate loans (extension/housing/ renovation)	Up to 0.50% of principal outstanding and undisbursed amount at the time of conversion or a cap of Rs 50,000 (plus taxes) whichever is lower
Switching from fixed rate loan to variable rate loan (extension/housing/renovation)	Up to 0.50% of principal outstanding and undisbursed amount at the time of conversion or a cap of Rs 50,000 (plus taxes) whichever is lower
Switch from the combination rate home loan fixed rate to variable rate	1.75% of principal outstanding and undisbursed amount (plus taxes) at the time of conversion
Switch to lower rates (plot loans)	0.50% of principal outstanding and undisbursed amount (plus taxes) at the time of conversion
Switch to the lower rates (loans under the HDFC Bank Reach scheme) – variable rate	Up to 1.50% of principal outstanding and undisbursed amount (plus statutory levies/applicable taxes) at the time of conversion
Switch to the HDFC Bank Maxvantage Scheme	0.25% of outstanding loan amount plus statutory levies/applicable taxes at the time of conversion.
Charges for delayed payments (of interest or EMI)	Additional interest up to 24% p.a.
Cheque dishonour charges	Rs 300
List of documents	Up to Rs 500
Photocopy of documents	Up to Rs 500
Post dated cheque swaps	Up to Rs 500
Disbursement cheque cancellation charges post disbursement	Up to Rs 500
Re-appraisal of loans after 6 months from sanction	Up to Rs 2,000 (plus the applicable taxes)
Reversal of the provisional prepayment under the HDFC Bank Maxvantage Scheme	Rs 250 (plus statutory levies/applicable taxes) at the time of reversal

HDFC Bank Top Up Home Loan Eligibility Criteria

The eligibility criteria set for top up loans from HDFC Bank is similar to the HDFC Bank Home Loan Eligibility for other schemes. Following are the eligibility criteria set for availing HDFC Bank Home Top Up Loans:

• Any Resident Indian with an existing home loan, a home extension loan or a house renovation loan can apply for the HDFC Bank Top Up Loan.
• Age: 18 to 70 years
• A borrower can apply for the HDFC Bank Home Loan Top Up Loan in the following situations:
  • After 12 months of final disbursement of their existing home loan and upon completion/possession of existing financed property or,
  • Based on the track record of last 12 months of refinancing of the top up loan from another institution, subject to completion/possession of the property.

Loan applicants who wish to avail HDFC Bank top up loan can use the home loan EMI calculator to determine the optimum loan tenure and EMIs for their home loan top up based on their repayment capacity.

HDFC Bank Top Up Home Loan Documents Required

The documentation for top up loan from HDFC Bank is very similar to the HDFC Bank Home Loan documents required for other schemes. The list of documents needed for HDFC Bank Top Up Loan are as follows:

Proof of Identity and Residence

• PAN Card or Form 60 (if loan applicant does not have PAN Card) – mandatory
• Any one of the following Officially Valid Documents (OVD) to establish the legal name and current address of individuals:
  • Driving License
  • Passport
  • Election/Voter ID Card
  • Job card issued by NREGA and duly signed by an officer of a state government
  • Letter issued by National Population Register with details of name and address
  • Proof of possession of Aadhaar number (should be obtained voluntarily)

Any document mentioned above is deemed to be an OVD even in case of change in the name after issuance provided it is supported by a marriage certificate, issued by a state government, or gazette notification indicating such a change of name.

• Property Documents – Title Deed along with previous chain of property documents (if not submitted in the existing loan)

Proof of Income (for salaried)

For Salaried

• Salary slips of last 3 months
• Latest Form-16 and Income tax returns
• Bank statement of last 6 months showing salary credits

For Self-Employed

• Income tax returns and computation of income for last 3 assessment years (of both business entity and individual attested by a CA)
• Balance Sheet and Profit & Loss Account statements of last 3 years with schedules/annexures (of both business entity and individual attested by a CA)
• Last 6 months current account statement of business entity and savings account statements of individual

Other Documents

For Salaried

• Appointment Letter/Employment Contract if current employment is less than 1 year old
• Bank statement of last 6 months showing repayment of any ongoing loans
• Passport size photographs of all applicant/co-applicants affixed on application form and signed across
• Cheque for processing fee in favour of ‘HDFC Bank Ltd.’
• Proof of own contribution
• Declaration and documents stating end use of top up loan

For Self-Employed

• Business profile
• Latest form 26 AS
• List of shareholders and directors, with their individual shareholding certified by a CS/CA, if the business entity is a company
• Memorandum and Articles of Association of a company
• Partnership deed if business entity is a partnership firm
• Details of ongoing loans of individual and business entity including outstanding amount, balance loan term, security, instalments, purpose, etc.
• Passport size photographs of all applicants/co-applicants affixed on application form and signed across
• Cheque for processing fee in favour of ‘HDFC Bank Ltd.’
• Declaration and documents stating end use of top up loan
• Proof of own contribution

All documents must be self-attested. The above list is indicative and HDFC Bank Ltd. can ask for additional documents.

FAQs on HDFC Bank Top Up Home Loan

What is the top up loan interest rate in HDFC Bank?

Ans. The HDFC home loan top up interest rate is between 9.00% p.a. and 10.95% p.a. However, the final home loan interest rates offered to the applicant may depend on his/her credit score, income, occupation profile, repayment capacity, existing relationship with the lender, loan amount, market value of the underlying collateral, etc.

What is the maximum amount that can be availed for HDFC top up loan?

Ans. The maximum HDFC housing loan top up amounts that borrowers can avail is should be the sanctioned amount of all home loans put together or Rs 1 crore, whichever is lower. Note that the top up loan component of the housing loan along with the cumulative outstanding housing loans should be within 80% of market value of mortgaged property (for exposure of up to Rs 75 lakh) and 75% of market value of mortgaged property (for exposure of above Rs 75 lakh).

Who can avail HDFC Bank Housing Loan Top Up?

Ans. Existing HDFC Bank Home Loan and Home Extension/Improvement Loan customers can avail top up home loan from the lender. However, they can avail the top up loan facility after 12 months’ of final disbursement of their existing home loan and upon completion or possession of existing home property. Existing home loan customers of other lenders transferring their ongoing home loan to HDFC Bank can also avail top up home loan from HDFC Bank. However, the top up home loan would be sanctioned to such applicants on the basis of the last 12 months’ track record of the home loan being refinanced, subject to the possession or completion of the property.

How to apply for HDFC home loan top up online?

Ans. You can apply for HDFC Bank Home Loan Top Up by following the below mentioned steps:

1. Go to the official website of HDFC Bank
2. Select ‘Home Top Up Loans’ under the ‘Home Loans’ tab of the website
3. Click on the ‘Apply Online’ button under the scheme option
4. Select the Resident Indian tab, fill your name, mobile number, email id, city and click on the ‘Submit’ button to apply for home top up loan

How much time it will take to avail top up loan from HDFC Bank?

Ans. HDFC Bank has not specified the time taken to process a home loan top up application. Lenders usually offer pre-approved instant top up home loans within the same day loan sanction and disbursal. However, the time taken for processing regular top up loan applications and disbursal of loan amount may differentiate across lenders.

What is the security that I have to provide for HDFC Bank Top Up Home Loan?

Ans. The security for availing HDFC Bank Top Up Home Loans will be the property financed through the underlying home loan and/or any interim security/collateral as HDFC Bank may require.

Can I avail a top up loan along with a balance transfer loan?

Ans. Existing home loan borrowers of other banks and housing finance companies (HFCs) seeking to transfer their home loan to HDFC Bank can additionally apply for Top Up Home Loans from the bank while transferring their home loan