Who qualifies
Requirements are straightforward when your track record is clean.
- 12 months of on-time EMIs on the existing home loan
- Room left in the property value after the outstanding loan
- Income to support the higher combined EMI
Home loan top-up
A top-up is additional funding over your running home loan, secured by the same property — which is why it costs a fraction of a personal loan.
- Amount
- Up to ₹50 lakh
- Rate
- Near home loan rates
- End use
- Mostly unrestricted
Top-up with a balance transfer
If your current lender refuses the top-up or prices it poorly, we transfer the loan and take the top-up with the new lender in one go — often at a lower rate than you pay today.
Home Loan Top-Up — frequently asked questions
EMI calculator
Know your monthly EMI before you apply
Move the sliders to see how loan amount, interest rate and tenure change your EMI.
₹50.0 L
₹5 L₹5 Cr
8.50% p.a.
7%16%
20 years
1 yr30 yrs
Monthly EMI
₹43,391
48% principal · 52% interest over the full term
- Principal
- ₹50,00,000
- Total interest
- ₹54,13,879
- Total payable
- ₹1,04,13,879
How it works
Four steps from enquiry to keys
- 01
Share your requirement
Call, WhatsApp or fill the form. We understand your income, property and budget.
- 02
Document check
We collect and verify your papers, then fix any gaps before the file goes out.
- 03
Best bank match
We place your file with the lenders offering you the best rate and highest eligibility.
- 04
Sanction & disbursal
Legal, valuation and registration follow-ups handled till the money reaches the seller.
Home Loan in your City
Look through the home loan options available in your city — we serve 49 cities across India.