Top Up Loan

What's in store for you

Home Loan EMI Calculator

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₹ 1,00,000₹ 10,00,00,000
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Your Monthly EMI will be

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Amount Payable

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Interest Amount

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Principal Amount

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Interest Rate for Top-up Loans

All rates are benchmarked to the Policy Repo Rate. Current applicable Repo Rate = 5.25%

Interest Rates Starting From

Policy Repo Rate + 2.75% to 8.45%

8.00% p.a. to 13.70% p.a.

View Rates

*Terms and Conditions Apply

Benefits and Features

Key Benefits

  • Get additional funds over your existing Home Loan for personal or business use.
  • Get top-up loan amounts as high as ₹1 crore, depending on eligibility.
  • Apply with minimal paperwork, saving you valuable time and effort throughout the process.
  • Easy repayments through monthly instalments 
  • Xpress Pre-Approved Top-Up on Home Loan - ​​​You can view your pre-approved offer on Net Banking/ Mobile Banking and apply to get a quick and easy top-up on your home loan. Please contact your RM/Home Loan Branch.
    T&C Apply. All loans from HDFC Bank are subject to its sole discretion
    ("Our Digital lending APP/Platform making this journey possible is Dash-Xpress Top Up")
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Key Features

  • Repay the loan over a flexible tenure of up to 15 years or the remaining home loan tenure.
  • Enjoy quick processing with minimal documentation for existing HDFC Bank home loan customers.
  • Benefit from competitive interest rates lower than personal loan rates for affordability.
  • Get 24x7 assistance via Chat or WhatsApp, available anytime and anywhere.
  • Track and manage your loan easily through our online portal, accessible anytime.
  • Loans available for both existing and new customers with simplified processes.
  • Access loans nationwide through our integrated branch network for personal or professional needs.
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Important Notes

Rates

  • The above ROI/EMI is applicable for loans under the Adjustable-Rate Home Loan Scheme (Floating Interest rate) of HDFC Bank and is subject to change during disbursement.  
  • The rates above are variable and linked to HDFC Bank's Repo Rate and shall fluctuate according to the movement in the same. All loans are at the sole discretion of HDFC Bank. 
  • To read the terms & Conditions, Click here. 
  • HDFC BANK does not source any Home Loan business from Lending Service Providers (LSPs). 
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Terms and Conditions

  • Apply for a Top-up Loan 12 months after the final Home Loan disbursement and property completion.
  • Alternatively, apply based on a 12-month track record of refinancing a Top-up Loan from another lender.
  • The property must be completed/possessed before applying for a Top-up Loan.
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Wondering if You Are Eligible?

Salaried

  • Nationality: Resident Indian
  • Age: 18 to 70 Years
  • Tenure: Up to 15 years

Self-Employed

  • Nationality: Resident Indian
  • Age: 18 Years to 70 Years
  • Tenure: Up to 15 years

Pradhan Mantri Awas Yojana

(Urban) 2.0 - PMAY (U) 2.0

Know more

Pre-verified Properties

Explore pre-approved projects and get started.

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Fees and Charges for Home Loan Top-up

Loan Processing Charges*

Maximum of 1% of loan amount (* Minimum PF of ₹7500)

Pre-payment/Part payment charges 

No prepayment charges shall be applicable for part prepayment once during a financial year only if the amount being prepaid does not exceed 25% of the principal amount outstanding at the time of such prepayment.

2.5% + Goods and Services Tax (GST) of principal outstanding being prepaid or at such rates as decided by the Bank if the amount being prepaid is more than said 25%. Charges shall be applicable to the amount in excess of said 25%.

Individual Borrowers 
No prepayment charges shall be applicable for part payment on floating rate term loan sanctioned for purposes other than business to individual borrowers with or without co-obligant(s).

MSE Borrowers 
No prepayment charges shall be applicable for part payment on floating rate loans to Micro and Small Enterprise (MSE) Certified borrowers if loan is closed from Own Source of Funds.

Premature closure charges
Floating rate term loan availed by Individual borrowers for Business Purpose 2.5 % of the Principal Outstanding
>60 months after the disbursement of the Loan – NIL Charges
Floating rate term loan availed by Individual borrowers for End Use other than Business Purpose NIL
Floating rate term loans availed by Micro, Small Enterprises and Closure from Own Source* NIL
Floating rate term loans availed by Micro, Small Enterprises and Closure Through Takeover by any financial Institutions 2 % takeover charges of the Principal Outstanding
>60 months after the disbursement of the Loan – NIL Charges
Floating Rate term loans availed by Non Individual borrowers* Maximum of 2.5% of the Principal Outstanding.
>60 months after the disbursement of the Loan – NIL Charges
Payment Return Charges ₹450
Repayment schedule charges* ₹50 per instance
Repayment mode change charges* ₹500
Custody charges ₹1000 per month for non-collection of collateral documents beyond 60 days, from date of closure of all loans/facilities linked to the collateral.
Revision in spread 0.1% of Principal Outstanding OR ₹5000 whichever is higher Per proposal
Legal/Repossession & Incidental charges At actuals
Stamp Duty & other statutory charges As per applicable laws of the state
Conversion charges for Change in Reference rate (BPLR/ Base rate/MCLR to Policy Repo Rate (for existing customers) NIL
Penal Interest for Non Adherence of ESCROW Account (as per sanction terms and conditions) 2% p. a. additional on existing ROI (Applicable in LARR cases only)
Penal Interest charged for non-complying with sanction terms 2% per annum additional on existing ROI- (Charged on monthly basis)
Subject to a Max of Rs 50000
CERSAI Charges ₹100 for each property
Property Swapping / Partial property Release* 0.1% of the loan amount.
Min – ₹10,000. Max of ₹25000 per property
Document Retrieval charges post Disbursement* ₹75 per document set. (Post disbursement)

More about Home Loan Top-up

HDFC Bank’s Top-up Loans have various beneficial features. Here are some of them:

  • Easy and hassle-free documentation
  • Convenient repayment process through monthly instalments
  • Loan amount can be used for a variety of personal and professional purposes
  • Attractive interest rates

Top-up Loans offer several benefits, including convenient access to additional funds without the need for multiple loan applications. They often come with attractive interest rates and the funds can be used for various purposes like home renovations, education expenses, or debt consolidation.

To apply for a Top-Up Loan with HDFC Bank, you can visit the official website, select the ‘Top-Up Loan’ option under the ‘Home Loans’ tab, and click on the ‘Apply Online’ button. The process is straightforward and can be completed in a few steps.

KYC Documents

- PAN Card or Form 60 (if no PAN Card) 
- Valid Passport
- Valid Driving Licence
- Election/Voter’s ID 
- Job Card (NREGA) 
- Letter from National Population Register 
- Aadhaar Number (voluntary)

Income Proof 

- Last 3 months' Salary Slips 
- Last 6 months' Bank Statements (salary credits) 
- Latest Form-16 and IT Returns 
- Income Tax Returns (last 2 Assessment Years, attested by CA) 
- Last 2 years’ Balance Sheet and Profit & Loss A/c Statements (attested by CA) 
- Latest Form 26 AS

Property & Other Documents

- Title Deeds (including the previous chain, if not submitted)

Self-Employed Professional 

Doctor, Lawyer, Chartered Accountant, Consultant, Engineer, Company Secretary etc.

Sef Employed Non-Professional 

Trader, Commission Agent, Contractor etc.

Co-applicant Benefits

How does a co-applicant benefit?

Higher loan eligibility with an earning co-applicant.

*All co-applicants need not be co-owners. However, all co-owners need to be co-applicants to the loans. Generally, co-applicants are close family members.

Maximum Funding**  
Loans up to and including ₹30 lakh 90% of the property cost
Loans from ₹30.01 lakh to ₹75 lakh 80% of the property cost
Loans above ₹75 lakh 75% of the property cost

**Subject to the market value of the property and repayment capacity of the customer, as assessed by HDFC Bank.

Frequently Asked Question

The maximum Home Loan Top-Up amount you can avail is equivalent to your originally sanctioned loan amount of all the Home Loans put together or ₹1 crore, whichever is lower.

A Top-up Loan on an existing Home Loan can be a beneficial option for fulfilling additional financial needs without resorting to separate loans. It offers convenience and comes with attractive interest rates. Moreover, the loan can be used for various purposes other than the apparent purposes. This makes it a practical choice for many borrowers.

You may be eligible for tax benefits on the Top-Up Loan if you can furnish receipts and documents demonstrating that the funds were utilised to acquire, repair, construct or renovate a residential property.

Get the home of your dreams—apply now for easy financing!

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