Top up loan

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Easily Available

Online Application

Competitive Rates

Quick Disbursal

What’s in store for you

Lower your EMI by switching to our XPRESS Personal Loan

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Types of Personal Loans

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Explore the wide range of Personal Loans tailored for every need.

Get Your Loan at Affordable Interest Rates

Starting From 9.99%*

(Terms & Conditions Apply*)

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Loan benefits & features

Easily accessible

  • Accelerate your Personal Loan application and verify your eligibility online using our Personal Loan Eligibility Calculator.
  • Customers with a pre-approved Personal Loan offer can access funds in just 10 seconds, while others can secure a loan in under 4 hours.

Apply online

Smart EMI

Transfer Facility

Transfer the outstanding principal of your Personal Loan from another financier to HDFC Bank.

You can reduce your Personal Loan EMI through a balance transfer to HDFC Bank. With the Personal Loan balance transfer, you can enjoy benefits such as:

  • Interest rates as low as 9.99%* on the existing loan transfer.
  • Flat processing fees starting Up to ₹ 6,500/- + GST.

Apply now to transfer your loan balance.

*Applicable for NTH > 50K

Transfer Facility

Most Important Terms & Conditions

  • *The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.
Most Important Terms & Conditions

Wondering if you are eligible?

You can apply for a Personal Loan, if you meet the following criteria:

Top up Loan
  • Age: 21 to 60 years
  • Employment: 
    • - Employees of private limited companies
    • - Employees of public sector undertakings (central, state, and local bodies)
  • Work Experience: Minimum of 2 years of total work experience, with at least 1 year in the current organisation.
  • Income: Minimum monthly net income of ₹25,000.

Documents required to get you started

Identity Proof 

  • Aadhaar Card
  • Passport
  • Voter's ID Card
  • PAN Card
  • Driving License

Address Proof

  • Aadhaar Card
  • Passport
  • Voter's ID Card
  • Driving License

Income Proof

  • Bank statement of previous 3 months or Passbook of previous 6 months
  • Two latest salary slips/current dated salary certificates

More about the Personal Loan Top-Up

Life often brings unexpected expenses. Be it a wedding, buying a car, or handling a medical emergency. A Personal Loan can help you manage these costs, but sometimes the initial amount may fall short. That’s where a Top Up Loan comes in handy. If you're a pre-approved customer with an existing Personal Loan, getting a Top Up Loan is quick and convenient, giving you access to extra funds when you need them most.

Top-up Loans are a convenient and relatively affordable option for borrowers who need additional funds and already have an existing loan with the lender. Personal Top-Up Loans also come with speedy approval and minimal documentation.

Personal Loan Top-Up has various benefits like quick turnaround time, longer repayment tenures and no requirements for additional documents. Top-up loans are a convenient and relatively affordable option for borrowers who need additional funds and already have an existing loan with the lender.

You can apply for a Personal Loan via:

1. Digital Application

2. PayZapp

3. NetBanking

4. Branches

Online application process:

Step 1 – Choose your occupation 
Step 2 - Provide & validate your Phone Number & Date of Birth/PAN   
Step 3- Choose Loan amount 
Step 4- Submit & Receive funds* 

*In certain cases, uploading documents and completing video KYC might be required.

Frequently Asked Questions  

Top Up Loan means to avail of an additional loan that supplements the amount disbursed via Personal Loan. If the amount availed of through a Personal Loan is not sufficient to meet your needs, you can take the help of a Top-Up Loan with ease and convenience.

You can avail of HDFC Bank’s Personal Loan Top Up and the added benefits like flexible tenure. To apply, click right here.

Since you’ve already availed of a loan from the bank in question, the approval process for a Personal Loan Top Up is relatively quick and hassle-free.

To become eligible for a Top-Up Loan, the customer should have completed a minimum of 6 EMI Payments on the existing Personal Loan. Has a good credit score and repayment ability.

To facilitate quick application and convenience, the documentary requirement for HDFC Bank’s Top Up Loan is minimal and includes: 

  • Identity and address proof such as a copy of passport/voter ID card/driving license/Aadhaar 
  • Bank statement of Salary account for previous 3 months (In case of Passbook, it should be for previous 6 months) 
  • Latest two months' salary slips

Yes, you can top-up your existing Personal Loan. If you opt for the Top-Up facility, the lender may extend your tenure.

A Personal Loan Top-Up is a feature that enables you to borrow additional funds from your current Personal Loan lender while you continue to repay your existing loan. This top-up functions just like a standard Personal Loan, allowing you to use the funds for various expenses without needing to provide collateral. Additionally, there are no restrictions on how you can use the loan funds.

You have the option to apply for Top-Up Loans either in person by visiting your existing lender's bank branch or online, directly through the lender's website. The procedure remains consistent: you must complete an online form, specify the desired loan amount, and submit your documents. Subsequently, the lender assesses the new interest rate and EMI amounts (which you must consent to) before disbursing the loan amount into your account.

Convenient, affordable top-up loan option to get additional funds!

Apply Now