SBI Home Top Up Loan

SBI offers Top Up Home Loans @ 7.75% p.a. onwards for tenures of up to 30 years. This facility allows existing home loan borrowers to get more funding, over and above their existing home loan, for any personal purpose. SBI Home Top Up Loan also comes with the overdraft facility.

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

Google Play Store

4.5_/5

15.5L Reviews

5cr+Satisfied Customers

65+Lending Partners

800+Cities across India

Check Home Loan Offers Online

By submitting this form, you have read and agree to the Credit Report Terms of Use, Terms of Use & Privacy Policy

Google Play Store

4.5_/5

15.5L Reviews

5cr+Satisfied Customers

65+Lending Partners

800+Cities across India

Paisabazaar Exclusive Benefits

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

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

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.

SBI Home Top Up Loan Highlights

Particulars	Details
Interest Rates	7.75% – 10.50% p.a.
Tenure	Up to 30 years
Processing Fees	0.35% of loan amount, minimum Rs 2,000 to maximum Rs 10,000, plus applicable GST

Note: Interest rates as of 1st January 2026

SBI Home Loan Top Up Interest Rates

The SBI Home Loan interest rates for top up loans are offered on the basis on the loan applicants’ credit scores. The home loan interest rates for SBI Top Up Loan schemes are as follows:

SBI Top Up Loan Scheme	Interest Rate (p.a.)
SBI Top-up Loan	7.75% – 10.50%
SBI Top-up (OD) Loan	8.00% – 9.20%
SBI YONO Insta Home Top Up Loan	8.10%

SBI Home Loan Top Up Schemes

Home Top Up Personal Loan Top Up

Purpose: SBI offers Home Top up Personal Loans to its existing home loan customers to meet their various personal requirements. The loan proceeds cannot be used for speculative purposes.

Age: Minimum 18 years and maximum 70 years
Repayment Tenure: Up to 30 years
Overdraft facility: Available
Pre-payment penalty: NIL

YONO Insta Home Top Up

Purpose: SBI YONO Insta Home Top Up Loan scheme is offered to the existing pre-approved home loan customers of the bank to meet their personal requirements. The loan is available only through YONO app platform with 24*7 availability and cannot not be used for any speculative purpose.

Paperwork: Not required (End-to-end digital processing)
Turnaround time: Instant Disbursal
Overdraft facility: Available Eligibility Criteria

Pre-approved customers based on various credit checks, such as outstanding loan amount, good repayment history, remaining loan tenure, etc.

SBI Home Loan Top Up Eligibility Criteria

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

Both resident Indians and NRIs are eligible
Minimum Age: 18 years
Maximum Age: 70 years

Loan applicants looking to avail a top up loan from SBI can use the home loan EMI calculator to find out the optimal tenures and EMIs for their home loan top up based on the loan applicant’s repayment capacity.

Get a Home Loan For
Your Dream Home

Fees & Charges of SBI Home Loan Top Up

The home loan processing fees and charges for availing Top Up on SBI Home Loan are as follows:

Particulars	Rates
Pre Payment Penalty	Nil
Processing Charges	0.35% of loan amount, minimum Rs 2,000 to maximum Rs 10,000, plus applicable GST

Documents Required for SBI Home Top Up Loan

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

For Loan Applicant

3 Passport size photographs
Employer Identity Card
Identify Proof (photocopies of Passport/Voter ID card/IT PAN card/Driving license)
Residence Proof (photo copies of recent Electricity Bill/Telephone Bills/Passport/Property tax receipt/Voter ID card)
Completed loan application
Business address proof for the non-salaried individuals
Bank Account/Pass Book statement for last six months
Personal statement of assets and liabilities
Signature identification from present bankers

For Loan Guarantor

2 Passport size photographs
Personal statement of assets and liabilities
Residence Proof (photo copies of recent Electricity Bill/Telephone Bill/Passport/Property tax receipt/Voter ID card)
Signature identification from present bankers
Identify Proof (photocopies of Passport/Voter ID card/IT PAN card/Driving license)
Business address proof for the non-salaried individuals

Additional Documents required for Salaried individuals

Original Salary Certificate from their employer
TDS certificate on Form 16 or a copy of IT Returns for the last 2 financial years (acknowledged by the IT department)

Additional Documents required for Self-Employed, Professionals or Other IT Assesses

Acknowledged copies of 3 year IT returns/Assessment Orders
Photocopies of challans as evidence for payment of Advance Income Tax

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

The interest rates on SBI housing loan top up range from 8.00% – 10.50% p.a. However, the final interest rates offered to home loan top up applicants may be determined by a number of factors, including the loan applicants’ credit scores, income, repayment capacity, occupation profile, the value of the home property pledged as collateral, and so on.

SBI has not specified the minimum or maximum loan amount for its top up home loan scheme. However, lenders offering top up loans usually decide the home loan top up amount for their home loan borrowers based on their repayment capacity, residual tenure of the underlying home loan, outstanding balance amount of the existing loan, etc.

Existing SBI home loan borrowers can check their eligibility to get a home top up loan by visiting the SBI website. They can also check their eligibility to get SBI Insta Home Top Up Loan through the YONO app.

Home Loan Articles

Joint Home Loan Benefits

Vandana Punj18 Jul 2025

Factors to consider while availing joint home loan

Paisabazaar02 Jun 2025

Top 5 Reasons for Home Loans Rejections

Paisabazaar02 Jun 2025

Home Loan Overdraft Facility: Benefits and Drawbacks Explained

Paisabazaar02 Jun 2025

Home Loan Processing Fees and Charges

Bhumika Khandelwal13 Oct 2024

Home Loans: Floating vs Fixed Interest Rates

Rahul Misra01 Jun 2023

Missed home loan EMI? What will be the consequences?

Team PaisaBazaar18 May 2023

3 Tips to Help You Close Your Home Loan Early

Vandana Punj16 Apr 2023

Loan-to-Value (LTV) Ratio: Meaning, Importance and Calculation

Vandana Punj20 Feb 2023

SBI Realty Home Loan: Interest rates, Eligibility, Documents, Fees & Charges

Team PaisaBazaar20 Jul 2022

View All Articles

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

View All Testimonials

Written By

Sumit Kumar

Reviewed By

Shamik Ghosh

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

*Applicable for selected customers

Check Handpicked Home Loan Offers
At Affordable Rates

Talk to Expert

Download the
Paisabazaar App Today!