Multiple banks. Different interest rates. Call it a "conflict of interest".
    • loading

    We found 31 Top up Personal Loan: Check TOP 5 Advantages

    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    11.49% - 15.99% Fixed
    0.5%
    30L Max
    1-5 Years
    Explore Get Quote
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Ad
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    10.99% - 14.49% Fixed
    0
    30L Max
    1-5 years
    Explore Get Quote
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Ad
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    10.99% - 19.8% Fixed
    Up to 2% One time fee
    25L Max
    1-5 years
    Explore Get Approval
    Response Time Within 30 minutes
    Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.49% - 21.00% Fixed
    0 One time fee
    20L Max
    1-6 Years
    Explore Get Approval
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval option available
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    13.99% - 16.99% Fixed
    0 One time fee
    20L Max
    1-5 years
    Explore Get Quote
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless Approval Option Available
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    10.99% - 17.99% Fixed
    2.25% (min. ₹1499 + applicable tax) One time fee
    20L Max
    1-5 Years
    Explore Get Approval
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    12% - 18% Fixed
    Up to 1.5% One time fee
    15L Max
    1-5 years
    Explore Get Approval
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free INSTANT DECISION
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    12% - 19% Fixed
    Up to ₹3000 One time fee
    25L Max
    1-5 years
    Explore Get Quote
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    10.70% - 11.70% Floating
    0.5% One time fee
    50 K - 10 L
    1-5 Years
    Explore Get Quote
    Response Time Within 30 minutes
    Guarantor Required Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    14% - 33% Fixed
    1.5% to 6.0% One time fee
    15L Max
    1-4 Years
    Explore Get Quote
    Response Time Within 30 minutes
    Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    11% - 16.49% Fixed
    Up to 2.5%
    15L Max
    1-5 years
    Explore Get Quote
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.75% - 13.75% Fixed
    1% One time fee
    30L Max
    1-5 Years
    Explore Get Quote
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria

    Top up Personal Loan: Check TOP 5 Advantages is Rated as "Great!" by 77002 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Personal Loan BYTES FROM OUR KITCHEN
    Write Review
    Icon for Personal Loan Eligibility
    Click here to
    Check your Eligibility!

    What is Top up Personal Loan?

    Top up Loans enable customers to take out a loan in addition to their existing home loan. Customers who have already taken out a loan from a particular bank may apply for top up loan as non-banking and banking financial institutions both offer the same with a tenure of 15 to 20 years. Top up loans are a great way for borrowers to overcome their financial concerns regardless of the purpose of taking out the loan.

    Search for Personal loans >>

    To be eligible for a Top up Loan, applicants are required to possess a decent repayment history. However, even if you meet the eligibility criteria, it is the bank/lender that ultimately decides whether or not you are eligible for a top up loan. The lender also investigates the reason why you are taking the loan in addition to running some verification checks to decide whether or not your application can be considered.

    Reasons for taking out a Top up Personal Loans

    There can be several different reasons why an individual may want to take out a top up loan. Here are a few:

    • Home renovation
    • For use as personal loan
    • For the purchase of land or a plot
    • For the purchase of another property
    • For buying consumer durable products
    • To meet business requirements
    • For children’s education/marriage
    • To meet medical expenses

    Advantages of Top up Personal Loan

    Tax benefits

    Tax benefits can be availed on top up loans provided the amount sanctioned by the lender is utilised for the purchase of a house (principle + interest). Tax benefits can also be availed if the funds are used to renovate your house. Tax benefits are not applicable to customers who use the funds for any other reasons apart from the aforementioned two.

    Interest rates

    The interest rates for top up loans are usually between 1.5% and 2% more than the interest rates of home loans, meaning that the ultimate interest rates for top up loans could range between 11.5% and 14%.

    No Security Needed

    Most lenders grant top up loans to customers without requesting any asset as collateral owing to the fact that it has been sanctioned to you after you already took out a home loan with the bank. The customer’s documents are still with the bank, and even if the customer closes the initial home loan, they will have to close their top up loan as well prior to requesting their original house papers from the lender.

    Loan amount

    Usually, top up loans sanction amounts that are less than the value of the initial home loan. The upper limit is determined by the bank and generally ranges between 15 and 40 lacs. For instance, if you had taken out a home loan worth Rs. 25, 00,000, the amount of money you borrow on the top up loan cannot exceed that sum.

    Processing fees

    Most lenders charge processing fees before the approval of the loan. The processing charges are generally the same as the processing fees charged on their initial home loan. For example, if the processing fees charged on the initial home loan is 0.75% or Rs. 2000, the charges on the top up loan will be whichever more is.

    A GST rate of 18% will be applicable on banking services and products from 01 July, 2017.

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar’s partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    Financial Tools
    Most Popular Pages
    Resources
     
    Loading your search... Loading your search...

    • Top up Personal Loan Reviews

    Write a Review
    • Bank Bazaar Customer Support
      "Great"
      0.5 4.5/5 "Excellent!"
      Great site, this will help the people to have one site with validation banks rather having different banks upload Need to have exposure from banks like how bankbazar reacts. Banks should also communicate the way bankbazaar works. All the best
      Was this review helpful? 0

      Thank you for your vote

      Thanks, you've already rated this review

      , secunderabad
      Reviewed on Jul 23, 2017
    • Bank Bazaar Customer Support
      "Best of Services bankbazaar.com"
      0.5 5.0/5 "Blown Away!"
      I am happy to use this site because here, I get quick service online and calling also. I am using this every month for searching for all products like cards, loan offers etc. I am very much thankful to you bankbazaar also easy to use their online services.
      Was this review helpful? 0

      Thank you for your vote

      Thanks, you've already rated this review

      , mumbai
      Reviewed on Jul 23, 2017
    • ICICI Bank Personal Loan
      "Very bad, bad and bad"
      0.5 0.5/5 "Unacceptable"
      Hi all, I am serving Army man and approached the ICICI bank for the personal loan. They neglect me very badly. I am feeling very much ashamed. In my whole life I will never have a relation with such bank as they say they respect army, In reality they treat us like goons. My middle finger salute to ICICI.
      Was this review helpful? 0

      Thank you for your vote

      Thanks, you've already rated this review

      , kolkata
      Reviewed on Jul 23, 2017
    • Citibank Personal Loan
      "Personal Loan process from citibank, as it is highly charged"
      0.5 1.0/5 "Really Bad"
      I hate taking loan from Citibank, also I will try to drop all my transactions that I make with citibank. Please avoid citibank banking. They will highly charge you when you are in need. I have been using citibank since 5 years once I need a loan and went for credit card loan they charged me 6 % more from outside market. i don't have options at that time so I was forced to take it. I closed the loan in 3 months due to high interest rate.
      Was this review helpful? 0

      Thank you for your vote

      Thanks, you've already rated this review

      , hyderabad
      Reviewed on Jul 22, 2017
    • Bank Bazaar Customer Support
      "Good"
      0.5 5.0/5 "Blown Away!"
      The call was quick and the Process was Pushed quick and instant Approvals was also great submitting documents online best of all that I think saved a lot of time and paper work Keep up the Good Work All the Best!!!Would definitely Recommend you guys .
      Was this review helpful? 0

      Thank you for your vote

      Thanks, you've already rated this review

      , bangalore
      Reviewed on Jul 22, 2017
    • Bank Bazaar Customer Support
      "Superb"
      0.5 5.0/5 "Blown Away!"
      Instantly finished. Fast working. Process was very good. I don't know whether I am eligible for personal loan and also top up may be given to me or not. The bank bazaar mentioned the variation of each bank then only I select the best bank for emi rate of interest and repay the amount and also the eligibility, save money for a month, finally they are providing a T- shirt based on my review too.
      Was this review helpful? 0

      Thank you for your vote

      Thanks, you've already rated this review

      , chennai
      Reviewed on Jul 22, 2017
    • Bank Bazaar Customer Support
      "Quick service"
      0.5 4.0/5 "Great!"
      Quick service in any aspect of any loans. Good service in all aspects of service related queries & good response on time.. Anyway many many thanks to bankbazaar for providing best service to their valuable customers.. I had a great experience with bankbazaar as I had received the calls on time to time regarding the process of my Loan application. It's a best oriented website giving all the facilities to takes different loans in all categories.
      Was this review helpful? 0

      Thank you for your vote

      Thanks, you've already rated this review

      , hyderabad
      Reviewed on Jul 22, 2017
    • Bank Bazaar Customer Support
      "Waiting"
      0.5 4.5/5 "Excellent!"
      I'm waiting for my loan to be approved I'll provide best feedback if approved I'll be very much glad to refer my friends and family regards to bankbazaar so that in future any loans are required I'll try to contact bankbazaar for any help thanks.
      Was this review helpful? 0

      Thank you for your vote

      Thanks, you've already rated this review

      , bangalore
      Reviewed on Jul 22, 2017
    • Bank Bazaar Customer Support
      "Personal loan "
      0.5 3.0/5 "Satisfactory"
      Great going...This is the fastest site to help customers. I am satisfied with this site...Well done and good job...nice services...I had a great experience and I got fastest reply. I hope you will continue giving this type of services to customers too.
      Was this review helpful? 0

      Thank you for your vote

      Thanks, you've already rated this review

      , bangalore
      Reviewed on Jul 22, 2017
    • Bank Bazaar Customer Support
      "Thanks For Support My Credit Card application."
      0.5 5.0/5 "Blown Away!"
      I had got good response from bankbazaar on my loan application. I approached bankbazaar for my requirement and submitted my loan application on the website. On which they responded and provided a good service. Their website is good and it is easy to handle.
      Was this review helpful? 0

      Thank you for your vote

      Thanks, you've already rated this review

      , madurai
      Reviewed on Jul 22, 2017
    • Bank Bazaar Customer Support
      "Great and needful, its very simple "
      0.5 4.5/5 "Excellent!"
      Bank bazaar process is very easy and their representatives are also very kind .I love it, I will tell all my friend who need card and loan . It is a great source to find happiness !!! love it and I am very much happy with the site bankbazaar.com.
      Was this review helpful? 0

      Thank you for your vote

      Thanks, you've already rated this review

      , pune
      Reviewed on Jul 21, 2017
    • Bank Bazaar Customer Support
      "Personal Loan"
      0.5 4.0/5 "Great!"
      I am very much happy with bankbazaar, it was a great experience too. I had received a call from your side with your nice warm welcoming words,,, it's great experience in my life. I am very happy for the same... I hope you would give the same sort of service for a long time,, very great work , Keep it up!!!
      Was this review helpful? 0

      Thank you for your vote

      Thanks, you've already rated this review

      , hyderabad
      Reviewed on Jul 21, 2017
    • Bank Bazaar Customer Support
      "Nice App.Thanks For Support My Credit Card application."
      0.5 5.0/5 "Blown Away!"
      Thank You Bank Bazaar Team. I would suggest Bankbazaar to provide assistance in Marathi language too, as your executives always say "Sir please speak in English or Hindi''. I am not sure what is the problem conversing in marathi, please make sure all regional language operators are available to provide customers support .
      Was this review helpful? 0

      Thank you for your vote

      Thanks, you've already rated this review

      , pune
      Reviewed on Jul 21, 2017
    • HDFC Bank Personal Loan
      "Useless bank"
      0.5 0.5/5 "Unacceptable"
      Dont apply personal loan with HDFC. 1st they will call you telling, Sir you have a HDFC salary account so you are eligible PL for 3 lakhs, when i applied they said sir your personal loan is rejected as it did not met internal policies. My Cibil was 765 No other loans PAN CARD AADHAR is upto the mark Salary is 36K take home Address proof also is Authentic. Then why, they only say did not met internal criteria, if did not met that, why the hell you call at all asking us to take a loan with you(HDFC). Opt for ICICI or Axis guys don't use HDFC. Regards
      Was this review helpful? 0

      Thank you for your vote

      Thanks, you've already rated this review

      , bangalore
      Reviewed on Jul 21, 2017
    • Bank Bazaar Customer Support
      "Personal loan"
      0.5 4.5/5 "Excellent!"
      Hi this is jo , I have applied for the loan at bankbazaar loan as it is a very easy process for the personal loan , So, please you people also apply for the loan online through bankbazaar site. Also I am sharing this my friends , also I would like to thank bankbazaar for the same.
      Was this review helpful? 1

      Thank you for your vote

      Thanks, you've already rated this review

      , vijayawada
      Reviewed on Jul 20, 2017
    • Bank Bazaar Customer Support
      "GUIDANCE"
      0.5 5.0/5 "Blown Away!"
      This is the very first time I approached bankbazaar, also I am very much satisified with all their steps for searching for my product. It happens, some times where people would not be interested in doing online search, but here after gaining sufficient information I would recommend all my friends, relatives to give a try atleast once. My hearty thanks to the team Bankbazaar.com for providing their valuable time for their customers in a proper way. Hope they would get back to me with a favourable reply on time.
      Was this review helpful? 0

      Thank you for your vote

      Thanks, you've already rated this review

      , bhopal
      Reviewed on Jul 20, 2017
    • SBI Personal Loan
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan from State Bank of India and the process for it was smooth. I did not have much of a documentation process and also I did not get the loan on time. The rate of interest and processing charges were very much normal too. But on the other hand, after loan services were very much hassle free.
      Was this review helpful? 0

      Thank you for your vote

      Thanks, you've already rated this review

      , bangalore
      Reviewed on Jul 20, 2017
    • Bank Bazaar Customer Support
      "Overall a good experience "
      0.5 3.0/5 "Satisfactory"
      The services rendered by bankbazaar is really great and I had a lot of follow up calls from them. The response was prompt from the moment I registered with them. It would have been better, if the companies whom they connect the customer too is also responsive. Lastly, the website is very much user friendly.
      Was this review helpful? 0

      Thank you for your vote

      Thanks, you've already rated this review

      , bangalore
      Reviewed on Jul 20, 2017
    • Citibank Personal Loan
      "Not professional"
      0.5 1.0/5 "Really Bad"
      As a matter of fact, Citibank collected all my documents and after which they did not process my personal loan request and did not get back to me as well. It was not a very good experience as they were not very much professional. Not too sure on the interest rate and processing charges too.
      Was this review helpful? 0

      Thank you for your vote

      Thanks, you've already rated this review

      , bangalore
      Reviewed on Jul 20, 2017
    • Bank Bazaar Customer Support
      "I had got good response from bankbazaar on my loan applicati"
      0.5 2.5/5 "Just OK"
      I had got good response from bankbazaar on my loan application. I approached bankbazaar for my requirement and submitted my loan application on the website. On which they responded and provided a good service. Their website is good and it is easy to handle.
      Was this review helpful? 0

      Thank you for your vote

      Thanks, you've already rated this review

      , chennai
      Reviewed on Jul 19, 2017
    Read More
    Common Loader Icon
    • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.