Home Loan Top Up

Existing home loan borrowers can explore home loan top up offers by various lenders on Paisabazaar app to meet their...

Existing home loan borrowers can explore home loan top up offers by various lenders on Paisabazaar app to meet their personal financial requirements. They can check for the top up amount offered by various lenders and opt for the one that best suits your requirements.

Competitive Interest Rates

Starting 7.10% p.a.

Handpicked Home Loan Offers

Offers from 25+ Banks & HFCs

Dedicated Customer Support

Expert Assistance at Every Step

Transfer Balance & Get a Top-Up Easily

Additional Funds when Required

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15.5L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

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Lowest interest rates starting from 7.1%

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Google Play Store

4.5_/5

15.5L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

Competitive Interest Rates

Starting 7.10% p.a.

Handpicked Home Loan Offers

Offers from 25+ Banks & HFCs

Dedicated Customer Support

Expert Assistance at Every Step

Transfer Balance & Get a Top-Up Easily

Additional Funds when Required

Home Loan EMI Calculator

Amount

₹

₹50 L

₹80 L

₹100 L

₹500 L

₹1000 L

Amount

₹50 L

₹80 L

₹1 Cr

₹5 Cr

₹10 Cr

₹

50K15Cr

Rate of Interest(Per Annum)

6%30%

Tenure

1Y 30Y

Your Monthly EMI Payment

₹0

Principal Amount₹0

Interest Amount₹0

Total Amount₹0

Find Best Home Loan Offers

Sort by:

HDFC Bank

Min Loan Amt. ₹15L

Rate of Interest7.2% - 13.2%

Tenure uptoUpto 30 Years

Processing Fee₹ 10,000

ICICI Bank

Min Loan Amt. ₹15L

Rate of Interest7.65% - 9.80%

Tenure uptoUpto 30 Years

Processing Fee₹ 10,000

Axis Bank

Min Loan Amt. ₹30L

Rate of Interest8.35% - 11.90%

Tenure uptoUpto 30 Years

Processing Fee₹ 14,000

Quick Links

What is a Top Up Home Loan?

Top Up Home Loan Interest Rates Offered by various Lenders

Eligibility Criteria of Applicants Availing Home Loan Top Up

Documents Required for Top Up Home Loan

Why Choose Paisabazaar?

Compare & Choose the Best Offer

Curated Offers from Multiple Lenders

Highest Loan Approval Chances

Easy & Transparent Borrowing Process

How Can I Apply for a Home Loan Online?

Get up to ₹5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

What is a Top Up Home Loan?

Existing home loan borrowers can opt for additional loan amount on their existing home loan to meet their personal requirements with no end usage restriction. This additional loan amount on the existing home loan is known as top up home loan. Applicants can avail a top up of up to Rs 10 crore for tenure of up to 30 years depending on the credit profile of the applicant. No collateral is required for apply home loan top up facility.

Top Up Home Loan Interest Rates Offered by various Lenders

The interest rates offered to top up home loan borrowers are usually same or slightly higher than the home loan interest rates. Below mentioned are the top up home loan interest rates offered by top lenders.

Lenders	Interest Rates (p.a.)
HDFC Bank	7.90%-13.20%
PNB Housing Finance	7.90% onwards
ICICI Bank	7.65% onwards
Bajaj Housing Finance	8.25%-10.45%
IDBI Bank Limited	7.55% onwards
State Bank of India	7.75%-10.50%
Tata Capital	7.75% onwards
L&T Finance	7.30% onwards

Eligibility Criteria of Applicants Availing Home Loan Top Up

The eligibility criteria for home loan and home loan top up is usually the same. Prospective home loan top up borrowers should meet the following eligibility criteria:

Eligibility Criteria	Details
Nationality	Resident Indian
Age	18-70 years
Job Profile	Salaried and Self-employed
Minimum Monthly Income	Up to Rs 30,000

Documents Required for Top Up Home Loan

Below-mentioned are the documents usually required during home loan top up application. However, the documents might vary from lender to lender.

Duly signed application form with passport sized photograph.
ID Proof- Aadhar card, PAN card, Voter ID, Passport, Passport
Address Proof- Aadhar card, PAN card, Electricity bill, Telephone bill, Voter ID, Passport

For Salaried Individuals:

Salary slips for last 3 months
ITR for last 2 yeas
Bank account statement for last 6 months

For Non-Salaried Individuals:

ITR for last 3 years alongwith income computation and P&L statement
Bank statement for past 1 year
Company Registration License
Tax Registration Copy

In case of Takeover Loans:

Loan account statement for past 1 year
Statement of outstanding loan as on date
Document acknowledgement receipt

Property Documents:

Receipt of residential unit purchased
Sales agreement
Allotment letter from the builder, co-operative society, etc.
Permission for house/flat construction from the concerned authorities

Get a Home Loan For
Your Dream Home

Benefits of Home Loan Top Up

No restrictions in terms of end usage of loan proceeds
No requirement for providing additional collateral/security, apart from the one pledged for the existing home loan
Lower interest rates than personal loan
Quick loan disbursal process as the lender already has the KYC details and documentation of the pledged collateral of their existing home loan borrowers.

How Can I Apply for a Home Loan Online?

Get up to ₹5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

Explore Our Home Loan Lenders

Get a Home Loan For
Your Dream Home

FAQs

A top up home loan is an additional loan amount offered to existing home loan borrowers over and above their existing home loan to meet their personal requirements.

Existing home loan borrowers can avail top up on their existing home loans to meet their personal financial requirements, such as wedding, vacation, home renovation, education, medical emergency, etc.

Yes, lenders levy processing charges on the applicants availing top up home loan. The charges usually range from 0.50% to 1% of the loan amount.

A home loan top up increases the EMI burden on the home loan borrowers thereby increasing the interest cost. Also, top up home loans are restricted only to existing home loan borrowers.

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What our customers say

Time saving process

Office ke chalte jyada samay nahi nikal pata tha. Paisabazaar ke online process ki wajah se na hi mene banks ke rates compare karliye ghar bathe balki mera loan application aur disbursal bhi ghar bathe hi ho gaya...bank jana hi nahi pada...

Pradeep SinghJan 7, 2026

Kam rates pe loan mila

Paisabazaar se mujhe bahut kam rate pe loan mil gaya...isse mere budget pe jada asar nahi pada aur jald hi mera apna ghar ho jayega..

Nidhi SharmaJan 6, 2026

eligibility check ho jati hai free

me home loan lene ka soch raha tha uske liye mene pehle paisabazaar app se free me apni eligibility check ki..usse mujhe pata chala muje kya cheeze improve karni hai aur fir mera loan jaldi approve ho gaya.

Shikhar SahuJan 5, 2026

Home loan mila yaahaan par

Mujhe home loan chahiye tha aur yahaan par sahayta kiya inhone aur loan mila. Pehla loan tha mera lekin sab ache se ho gaya.

Prem Prakash PandeyDec 7, 2025

Home loan here

I took home loan here and they helped me in every step specially in collecting and submitting documents at the time of approval.

Chandan SinghDec 1, 2025

Got the best home loan interest rate

I was confused and did not have so much time to carry out all the research, so I logged in to Paisabazaar’s portal and was able to see the home loan options I was eligible for. With the assistance of Paisabazaar’s experts, I was able to find the home loan that offered the rate of interest I could afford. Thank you Paisabazaar!

Anu BhatnagarSep 10, 2021

Excellent Home Loan Service by Paisabazaar

Ended up taking an ICICI Home Loan and I think it was one of the best decisions I ever made. I thank Paisabazaar for helping me out and answering my questions with so much patience.

KJ ThomasSep 10, 2021

Had a great experience with Paisabazaar

I have always heard my friends talking about how tedious it was for them to avail a home loan and decide the most suitable option. But with the help of Paisabazaar, I was able to compare several home loans and opt for the one that suited my needs. I am happy that I considered Paisabazaar for helping me.

Ritesh SharmaSep 10, 2021

quick and easy home loan process

I had never thought that applying for a home loan could be so easy. The entire process was online and I didn’t have to go anywhere for application or documentation of my home loan. Paisabazaar experts helped me navigate through the process and later the bank collected my documents and everything was quick and seamless.

Rupanjali MishraSep 3, 2021

Satisfied experience with Paisabazaar

I am satisfied with my home loan experience with Paisabazaar. I could easily compare different home loan options and apply for the home loan. Their customer care team also called me to confirm all the details and soon after the bank contacted to take the process forward. The process was really smooth.

Soumil KhannaSep 3, 2021

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Written By

Sumit Kumar

Reviewed By

Shamik Ghosh

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Home Loan Top Up