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  • SBI Insta Home Top-Up loan

    The facility of Insta Home Top-up loan is provided by State Bank of India to only the pre-selected home loan customers. It is available over the internet banking platform. The product which is a fully automated one lets you avail a loan up to Rs.5 lakh with the payable interest rate being 8.20%. 

    SBI Insta Home Top-Up loan Interest rates 

    The interest rate charged by the bank when it comes to SBI Insta Home Top-up loan is 155 basis points (bps) above EBR irrespective of risk grades, gender and occupation. The payable interest is 8.20% p.a. 

    Eligibility criteria

    In order to avail SBI Insta Home top-up loan, you need to fulfil the eligibility criteria listed below:

    • Should have a CIBIL Score of 550 or higher.
    • Must have a minimum residual tenure of home loan of 5 years
    • Must not have any other active home top-up or Insta home top-up loans.
    • Have a satisfactory track record of 3 years or more.
    • Should be an existing home loan customer with a minimum home loan limit of Rs.20 lakh with internet banking facility.

    Documents required

    When applying for a SBI Insta Home Top Up loan, you need not submit any documents to the bank officials.

    Features and benefits

    The features and benefits of that comes with the product are as follows:

    • No manual intervention is required.
    • There are no hidden costs
    • The processing fee is low.
    • Can be availed online.
    • Need not submit any documents.


    1. Does the bank offer SBI Insta home top-up loan to only pre-selected home loan customers?

      Yes, the product is offered to only the pre-selected home loan customers.

    2. What is the minimum loan amount that can be availed?

      The minimum loan amount which you can avail is Rs.1 lakh.

    3. Will the processing fee be deducted from the loan amount before disbursement?

      Yes, the processing fee will be deducted before the amount is disbursed.

    4. Is having a CIBIL score of 550 mandatory to avail SBI Insta Home top-up loan?

      Yes, it is mandatory to have a CIBIL score of 550.

    5. Can I avail the Insta home top-up loan if I have another active home top-up loan?

      No, you can’t avail the loan if you have other active home top up loans in your name.


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