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SBI Home Top Up Loan Highlights – 2025
| Particulars | Details |
| Interest Rates | 8.30% – 10.80% 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 21 April 2025.
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Table of Contents
SBI Home Loan Top Up Interest Rates – 2025
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 Home Loan | 8.30% – 10.80% |
| SBI Top-up Home Loan (OD) | 8.50% – 9.45% |
| SBI YONO Insta Home Top Up Loan | 8.85% |
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
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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.
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 |
| Related Articles | |
| SBI Home Loan EMI Calculator | SBI Plot Loan |
| SBI Privilege Home Loan | SBI Flexipay Home Loan |
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
FAQs on SBI Home Top Up Loan
What is the current rate of interest for top up loans in SBI?
The interest rates on SBI housing loan top up range from 8.55% – 11.05% 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.
How much top up is allowed on SBI Home loan?
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.
How can I check SBI Home Top up Loan eligibility?
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.