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Top-up Personal Loan

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Speedy Disbursal

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Lower Interest Rates

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No-end Use Restrictions

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Minimal Documentation

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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 ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

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Why Choose Paisabazaar?
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Compare & Choose the Best Offer

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Pre-approved Offers with Instant Disbursals

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Know Your Chances of Approval

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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

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.

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All Your Needs

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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

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
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All Your Needs

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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

Excellant EMI calculator and expert assistance available

The EMI calculator helped me choose the right repayment plan. Clear guidance at every step made the loan process really easy.

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Mohit YadavDec 3, 2025

Fully Digital Process for Real.

Loved the real-time loan status updates.Everything was handled online — didn’t have to visit any branch.

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Gautam BakshiDec 3, 2025

Lower Rate than My Own Bank

Got a lower interest rate than my bank was offering.Smooth digital verification and quick disbursal.

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Shivani SuryaDec 3, 2025

Pre-approved offers with quick approval

I liked how Paisabazaar showed pre-approved offers without affecting my credit score. Customer support was prompt and helped me close the loan quickly.

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Suraj VermaDec 3, 2025

Same day approval. wow.

The loan was approved the same day — super smooth and transparent process.

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Shiv KumarDec 3, 2025

Multiple offers in Minutes

Paisabazaar helped me compare multiple loan offers in minutes, and I got the best rate without any paperwork.

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Ankita BajajDec 3, 2025

Itna Badhiya Rate and Service Hai!

Apke yaha itna acha interest rate mil gya market mei sabse kum and service toh aur bhi achi h. thank you.

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Mohit SinghDec 2, 2025

Best Interest Rate Offer

Got the best interest rate on your website. Best assistance and seamless experience.

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Aniket SinghDec 2, 2025

Best Marketplace to Shop for Loans

Your website is the best to apply for a personal loan. Got my loan disbursed within 3 days. So easy and hassle-free.

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Nikita SharmaDec 2, 2025

Fast loan approval

I got my loan approved within 24 hours. The process was fast, transparent, and reliable, exactly what I was looking for.

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Pragati ShuklaDec 2, 2025
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Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners

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