Top-up Personal Loan

Name: Top-up Personal Loan
Brand: Paisabazaar
Rating: 4.2 (2839 reviews)

A Top-Up Personal Loan is an additional amount that current personal loan borrowers can obtain from their existing lender. This option is typically available to borrowers with a good repayment track record and who have cleared a certain number of EMIs on their current loan.

Speedy Disbursal

Get instant cash in your account

Lower Interest Rates

Offered to trusted customers

No-end Use Restrictions

Use it as per your needs

Minimal Documentation

Completely hassle-free and digital process

Customer Rating

4.2_/5

2839 Reviews

51M+Satisfied Customers

65+Lending Partners

800+Cities across India

Get up to ₹1,000*

Voucher on disbursal

Valid till 31^st August '25

Valid till 31^st August '25*T&C Apply

Check Personal Loan Offers Online

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Customer Rating

4.2_/5

2839 Reviews

51M+Satisfied Customers

65+Lending Partners

800+Cities across India

Paisabazaar Exclusive Benefits

Speedy Disbursal

Get instant cash in your account

Lower Interest Rates

Offered to trusted customers

No-end Use Restrictions

Use it as per your needs

Minimal Documentation

Completely hassle-free and digital process

Find Best Personal Loan Offers

Sort by:

HDFC Bank

10 Second Disbursal*100% Digital Process*Quick Disbursal

Max. Loan Amt.Upto ₹25L

Rate of Interest9.99% - 12.5%

Tenure upto1-5 Years

Processing Fee₹ 6,500

Axis Bank

Low Processing fee

Max. Loan Amt.Upto ₹40L

Rate of Interest9.99% - 17.15%

Tenure upto1-5 Years

Processing Fee1% - 1.5%

Kotak Mahindra Bank

Lowest Income requirement100% Digital Process*

Max. Loan Amt.Upto ₹25L

Rate of Interest10.5% - 17.2%

Tenure upto1-5 Years

Processing Fee1.1% - 1.5%

Why Choose Paisabazaar?

Compare & Choose the Best Offer

Pre-approved Offers with Instant Disbursals

Know Your Chances of Approval

End-to-End Digital Process

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

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

Features of Top-Up Personal Loans

Eligibility: Offered only to existing personal loan borrowers with good credit history and repayment capacity.
Security: Usually does not require collateral or guarantor.
Interest Rates: Generally, the same as the original loan; depends on credit profile.
Loan Amount: Varies across lenders; cannot exceed the overall loan eligibility after factoring in the outstanding loan amount.
Tenure: Usually up to 84 months, but not more than the remaining tenure of your current loan.
Disbursal: Faster approval due to an existing relationship with the lender.
End Use: Funds can be used for any legitimate personal or business needs.

Top-Up Loan – Interest Rates & Charges

Facility	Charges
Interest Rate	Usually same as the existing loan rate
Loan Processing Charges	Up to 6% of loan amount
Part-Payment Charges	As per the loan agreement

Note: Interest rates and charges may vary across lenders.

Eligibility Criteria for Top-Up Personal Loans

To qualify for a personal loan top-up, you must typically meet the following criteria:

Must have an active personal loan with the financial institution
Typically, a minimum of six EMIs must be paid on the current personal loan.
Strong credit profile and history of timely payments
Adequate repayment capacity

Documents Required to Avail Top-up Personal Loan

Minimal or no documentation required as you’re already servicing a personal loan with the lender.

Avail Personal Loan For
All Your Needs

How to Apply for a Top-Up Personal Loan

Online Process:

Log in to your lender’s portal
Check if you have a pre-approved offer
Fill in the application and submit (if required)
Loan disbursed post quick verification

Offline Process:

Visit your lender’s nearest branch
Request top-up loan application form
Submit the form with required documents (if any)
Loan sanctioned after evaluation

Top-Up Personal Loan vs New Personal Loan: Which One’s Better?

Both a new personal loan and a loan top-up are great options when you need some extra credit, but they differ in some ways:

Feature	Top-Up Personal Loan	New Personal Loan
Eligibility	Only for existing loan borrowers with good repayment history	Open to all eligible applicants
Processing Time	Faster, minimal documentation	Takes little more time as full documentation is needed
Interest Rates	Usually lower due to existing relationship	Standard rates based on credit profile
Convenience	Easy to manage with existing EMI	Separate loan with separate EMI
Loan Amount	Limited to your repayment capacity and existing loan	Can apply for any eligible amount

Suppose you're already repaying a personal loan and need quick access to extra funds. In that case, a top-up personal loan is often faster, more affordable, and simpler than taking a fresh personal loan.

Also Read:

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How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

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

Explore Our Personal Loan Lenders

Avail Personal Loan For
All Your Needs

FAQs

Yes, if you need extra cash, getting a loan top-up on your personal loan can be the bestoption available.

If you make on-time payments, a loan top-up has no negative impact on your CIBIL score. However, the added debt may have a minor impact on your credit score initially.

Log in to your lender’s portal to check for a pre-approved top-up loan. If available, fill out the form and get the loan quickly after basic verification.

Yes, you can take a top-up loan more than once, but there are important conditions andlender-specific policies to consider

Quick disbursal, no collateral, minimal documentation, and flexibility in end-use are some key benefits.

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What our customers say

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Last updated: 26 August, 2025

Reviewed By

Vandana Punj

Written By

Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners

*Applicable for selected customers

Top-up Personal Loan

Paisabazaar Exclusive Benefits

Find Best Personal Loan Offers

How Can I Apply for a Personal Loan Online?

Features of Top-Up Personal Loans

Top-Up Loan – Interest Rates & Charges

Eligibility Criteria for Top-Up Personal Loans

Documents Required to Avail Top-up Personal Loan

How to Apply for a Top-Up Personal Loan

Online Process:

Offline Process:

Top-Up Personal Loan vs New Personal Loan: Which One’s Better?

Also Read:

How Can I Apply for a Personal Loan Online?

FAQs

<strong>Is it good to top-up a personal loan?</strong>

<strong>Does a loan top-up affect CIBIL score?</strong>

<strong>How to apply for a Top-up personal loan online?</strong>

<strong>Can I take a top-up loan twice?</strong>

<strong>What are the benefits of a top-up loan?</strong>

<strong>How can I apply for a top-up personal loan?</strong>

<strong>Are there any risks associated with top-up loans?</strong>

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