Top-Up Loan Overview
LoanPao’s Top-Up Loan provides additional funds from ₹50,000 to ₹50 lakh on your existing home or personal loan, offering flexibility for any purpose—be it home renovation, business expansion, or medical expenses. With competitive interest rates starting at 8.5% p.a. and tenures up to 7 years, our top-up loans are disbursed quickly through our streamlined e-KYC process. Apply now via our application portal or contact us at +91-999-163-4766 for guidance on top up loan india.
LoanPao ensures hassle-free processing with minimal documentation and expert support. Explore more financing options on our loans page. Our top up loan on home loan or personal loan is designed for quick access to funds without new collateral.
Benefits of Top-Up Loan
Additional Funds
Get ₹50,000 to ₹50 lakh on existing loans for any purpose like renovation or emergencies in top up loan india.
Low Interest Rates
Starting at 8.5% p.a. for top up loan interest rate, aligned with your existing loan.
Flexible Tenure
Up to 7 years for repayment in top up loan on home loan.
Trusted Lenders
500+ RBI-compliant partners.
Digital Process
Online application with e-KYC for top up loan documents.
Fast Approval
Approved in a few days for top up loan eligibility.
Eligibility Criteria
| Criteria | Details |
|---|---|
| Existing Loan | Active home or personal loan with at least 6–12 months of repayment |
| Age | 21–60 years |
| Income | Salaried: ₹25,000/month; Self-employed: ₹3 lakh/year |
| CIBIL Score | 650+ preferred |
| Loan Amount | ₹50,000–₹50 lakh |
| Employment | Salaried: 1 year; Self-employed: 2 years |
Check your top up loan eligibility with our CIBIL login tool or contact info@loanpao.in.
Documents Required
- KYC: Aadhaar, PAN, Voter ID
- Existing Loan Details: Loan agreement, repayment schedule
- Income Proof: Salary slips (3 months), ITR (2 years)
- Bank Statements: Last 6 months
- Address Proof: Utility bill, rent agreement
- Employment Proof: Job letter or business registration
Loan Amount and Tenure
| Loan Type | Loan Amount | Tenure | Interest Rate (p.a.) |
|---|---|---|---|
| Top-Up on Home Loan | ₹1 lakh–₹30 lakh | 1–7 years | 8.5%–10% |
| Top-Up on Personal Loan | ₹50,000–₹10 lakh | 1–5 years | 10%–12% |
| Top-Up for Business | ₹5 lakh–₹50 lakh | 1–7 years | 9%–11% |
How to Apply for Top-Up Loan
Apply with LoanPao in 3 simple steps:
- Fill the form below with personal and loan details.
- Upload KYC, income proof, and existing loan details via e-KYC.
- Get approval within days and funds shortly after.
Start your application or call +91-999-163-4766 for support.
Compare Top-Up Loan Providers
| Provider | Interest Rate (p.a.) | Loan Amount | Tenure | Processing Fee |
|---|---|---|---|---|
| HDFC Bank | 8.5%–10% | Up to ₹50 lakh | 1–7 years | 0.5%–1% |
| ICICI Bank | 9%–11% | Up to ₹40 lakh | 1–7 years | 0.5%–1.5% |
| Axis Bank | 9.5%–12% | Up to ₹50 lakh | 1–7 years | 0.5%–2% |
Note: Rates and terms are indicative. Contact LoanPao for updated offers.
Uses of Top-Up Loan
Top-Up Loans can be used for:
- Home renovations or extensions
- Business expansions
- Medical emergencies
- Education or marriage expenses
- Debt consolidation
Why Choose LoanPao for Top-Up Loan?
Wide Lender Network
Compare offers from 500+ RBI-compliant lenders.
EMI Calculator
Use our EMI calculator to plan repayments.
24/7 Support
Contact us at +91-999-163-4766.
Tips for a Successful Top-Up Loan Application
- Maintain a good repayment history on existing loan.
- Ensure CIBIL score of 650+ for better rates.
- Submit accurate KYC and income documents.
- Use EMI calculator to align with budget.
- Contact LoanPao for personalized assistance.
Frequently Asked Questions
Customer Testimonials
Ankit Sharma
"LoanPao made getting a top-up loan on my home loan easy and fast. Great rates!"
★★★★★
Meera Singh
"Excellent service for top up loan on personal loan. Highly recommend LoanPao."
★★★★★
Rohit Kumar
"Quick approval and low interest for my top-up loan. Thanks LoanPao!"
★★★★★