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Top-up Personal Loan

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.

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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 ₹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 Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

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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

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.

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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.

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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

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I’m writing to express my sincere appreciation for Mohammad Shazeb (Employee Code: EW33348) for the excellent support he provided during my recent loan process. There was a complication with the KYC verification, and Shazeb handled it swiftly and professionally. He ensured that I received regular updates, explained the resolution steps clearly, and most importantly, resolved the issue quickly.

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Outstanding Assistance from Ms. Seema Kumari

I would like to express my sincere appreciation for Ms. Seema Kumari (Employee ID: EW32347) for her exceptional support in helping me secure a personal loan.

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Excellent Support and Guidance from Ms. Yashi Saxena

I had the opportunity to interact with Ms. Yashi Saxena (Employee Code: AW22197) while applying for a loan from Poonawalla Fincorp. I am extremely satisfied with her guidance, support, and professionalism throughout the process. She explained each step very clearly, helped me understand the details, and ensured that the process went smoothly. Her assistance made my loan journey hassle-free.

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