What is a Top Up Loan?

Top Up Loans can be availed for personal and professional needs(other than for speculative purposes) like marriage, Child's education, business expansion, debt consolidation etc.

Who can avail Home Loan Top Up?

All customers with an existing Home Loan, Home Improvement Loan or a Home Extension Loan can apply for a home loan top up. New customers availing of our Balance Transfer loan can also additionally avail a home loan top up from HDFC Bank. You can apply for a home loan top up after 12 months' of the final disbursement of your existing home loan and upon possession/ completion of the existing financed property.

What's the maximum amount that can be availed as a top up loan?

The maximum home loan top up that you can avail of is equivalent to your originally sanctioned loan amount of all the Home Loans put together or ₹50 lacs, whichever is lower. This is further subject to the cumulative outstanding loans plus the top up being offered not exceeding an overall cap of 80% for cumulative exposure up to ₹75 lacs & 75% if the cumulative exposure is over ₹75 lacs of the market value of the mortgaged property, as assessed by HDFC Bank.

What is the maximum term for which I can avail a home loan top up?

You can avail a home loan top up for a maximum term of 15 years or till your age of retirement ,whichever is lower.

What is the security that I have to provide for a home loan top up?

Security of the loan would generally be security interest on the property being financed by us and/or any other collateral/interim security as may be required by us.

Can I avail a home loan top up along with a balance transfer loan?

Yes. Home loan top up can be availed in addition to a balance transfer loan from HDFC Bank.

What are the documents required for a home loan top up?

The process of obtaining a home loan top-up involves the submission of specific documents, and for a comprehensive list, you can refer to the checklist available on HDFC's official website at https://www.hdfc.com/checklist#documents-charges. This checklist serves as a guide for borrowers, detailing the necessary documentation needed to facilitate a home loan top-up.

Home Loan Top Up

Sometimes dreams need a little extra help. With HDFC Bank's Top Up Loans you can celebrate your personal or professional milestones such as marriage, a dream vacation, business expansion, debt consolidation etc. with super ease and minimal new documentation. Let your dream fuel more dreams.

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Top Up Loan EMI Calculator

Loan Amount

₹

₹1 Lac ₹10 Cr

Tenure (Years)

1 30

Interest Rate (% P.A.)

0.5 15

Monthly Top Up Loan EMI

₹20,116

Principal Amount

₹25,00,000

Interest Amount

₹47,41,604

Total Amount Payable

₹72,41,604

Rates & Offers
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Fees & Charges
Rates offered to Customer
(Past Quarter)
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Benefits & Features
FAQs
Terms and Conditions

Interest Rates

All rates are benchmarked to Policy Repo Rate. Current applicable Repo Rate = 6.25%

Special Top up Rates for Salaried & Self Employed (Professionals & Non-Professionals)
Loan Slab (Outstanding Home Loan + Top Up Loan)	Interest Rates (% p.a.)
Top up for existing customers	Policy Repo Rate + 3.20% to 4.15% = 9.45% to 10.40%

Loan Slab (Balance Transfer + Top Up Simultaneous Loan)	Interest Rates (% p.a.)
For all loan amounts	Policy Repo Rate + 2.75% to 3.70% = 9.00% to 9.95%

Standard Top up Rates for Salaried & Self Employed (Professionals & Non-Professionals)
Loan Slab (Outstanding Home Loan + Top Up Loan)	Interest Rates (% p.a.)
Top up for existing customers	Policy Repo Rate + 3.90% to 4.45% = 10.40% to 10.95%

Loan Slab (Balance Transfer + Top Up Simultaneous Loan)	Interest Rates (% p.a.)
For all loan amounts	Policy Repo Rate + 3.45% to 4.00% = 9.70% to 10.25%

*The above ROI/EMI is applicable for loans under the Adjustable Rate Home Loan Scheme (Floating Interest rate) of HDFC Bank and is subject to change at the time of disbursement. The rates above are variable in nature and linked to HDFC Bank's Repo Rate and shall fluctuate according to the movement in the same. All loans at the sole discretion of HDFC Bank.

To read terms & Conditions, Click Here

*HDFC BANK does not source any Home Loan business from any Lending Service Providers (LSPs).

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Calculators

Documents

For loan approval, you need to submit the following documents for applicant / all co-applicants along with the completed and signed loan application form.

A	Sr.No.	Mandatory Documents
	1	PAN Card or Form 60 (If the customer does not have a PAN Card)
B	Sr.No.	Description of Officially Valid Documents (OVD) that can be accepted for establishing the legal name & current address of Individuals*[Any one of the following documents can be submitted]	Identity Proof	Address Proof
	1	Passport, the validity of which has not expired.
	2	Driving license which has not expired.
	3	Election /Voters identification card
	4	Job card issued by NREGA duly signed by the officer of the State Government
	5	Letter issued by the National Population Register containing details of name, address.
	6	Proof of possession of Aadhaar Number (to be obtained voluntarily)

A document mentioned above shall be deemed to be an OVD even if there is a change in the name subsequent to issuance provided it is supported by a marriage certificate issued by State Government or Gazette notification, indicating such a change of name.

Document	Salaried	Self Employed Professional	Self Employed Non Professional
Last 3 months' Salary Slips
Last 6 months' Bank Statements, showing salary credits
Latest Form-16 and IT returns
Income Tax Returns along with computation of income for at least the last 2 Assessment Years (of both the individual and the business entity and attested by a CA)
At least last 2 years’ Balance Sheet and Profit & Loss A/c Statements, with Annexures / Schedules (of both the individual and the business entity and attested by a CA)
Last 12 months' Current A/c Statements of the business entity and Savings Account Statements of the individual

Document	Salaried	Self Employed Professional	Self Employed Non Professional
Title Deeds including the previous chain of the property documents (if not submitted in the existing loan

Document	Salaried	Self Employed Professional	Self Employed Non Professional
Own Contribution Proof
Employment Contract / Appointment Letter in case current employment is less than year old
Last 6 months' Bank Statements showing repayment of any ongoing loans
Passport size photograph of all the applicants / co-applicants to be affixed on the Application form and signed across.
Cheque for processing fee favouring HDFC Bank.
Business Profile
Declaration and documents clearly stating the end use of the loan
Latest Form 26 AS
List of Directors and Shareholders with their individual shareholding certified by a CA / CS in case of the business entity being a company
Memorandum and Articles of Association of the Company
Partnership deed in case of the business entity being a partnership firm
Details of ongoing loans of the individual and the business entity including the outstanding amount, instalments, security, purpose, balance loan term, etc.

*All documents to be self-attested. The above list is indicative in nature and additional documents can be asked for.

Non-Housing Charges

Loan Processing Charges*

Maximum of 1% of loan amount (* Minimum PF of Rs.7500/-)

Pre-Payment / Part Payment Charges
Floating Interest Rate Term Loans	• No prepayment charges shall be applicable for part prepayment once during a financial year only if the amount being prepaid does not exceed 25% of the principal amount outstanding at the time of such prepayment. • 2.5% + applicable taxes of principal outstanding being prepaid or at such rates as decided by the Bank if the amount being prepaid is more than said 25%. Charges shall be applicable on the amount in excess of said 25%. • Nil Part Payment charges for floating rate term loan availed by Individual borrowers for End Use other than Business Purpose • Nil Part Payment charges for floating rate term loans availed by Micro & Small Enterprises.
Fixed Interest rate Term loans	• Maximum of 2.5% of the Principal Outstanding. • >60 months after the disbursement of the Loan – NIL Charges. • NIL Part-payment charges for loan amount up to Rs. 50 Lakh availed by Micro & Small Enterprises. • No prepayment charges shall be applicable for part prepayment once during a financial year only if the amount being prepaid does not exceed 25% of the principal amount outstanding at the time of such prepayment. • 2.5% (Plus applicable taxes) of principal outstanding being prepaid or at such rates as decided by the Bank if the amount being prepaid is more than said 25%. Charges shall be applicable on the amount in excess of said 25%.

Pre-Payment / Part Payment Charges

Floating Interest Rate Term Loans

• No prepayment charges shall be applicable for part prepayment once during a financial year only if the amount being prepaid does not exceed 25% of the principal amount outstanding at the time of such prepayment.

• 2.5% + applicable taxes of principal outstanding being prepaid or at such rates as decided by the Bank if the amount being prepaid is more than said 25%. Charges shall be applicable on the amount in excess of said 25%.

• Nil Part Payment charges for floating rate term loan availed by Individual borrowers for End Use other than Business Purpose

• Nil Part Payment charges for floating rate term loans availed by Micro & Small Enterprises.

Fixed Interest rate Term loans

• Maximum of 2.5% of the Principal Outstanding.

• >60 months after the disbursement of the Loan – NIL Charges.

• NIL Part-payment charges for loan amount up to Rs. 50 Lakh availed by Micro & Small Enterprises.

• 2.5% (Plus applicable taxes) of principal outstanding being prepaid or at such rates as decided by the Bank if the amount being prepaid is more than said 25%. Charges shall be applicable on the amount in excess of said 25%.

Premature closure charges
Floating rate term loan availed by Individual borrowers for Business Purpose	2.5 % of the Principal Outstanding >60 months after the disbursement of the Loan – NIL Charges
Floating rate term loan availed by Individual borrowers for End Use other than Business Purpose	NIL
Floating rate term loans availed by Micro, Small Enterprises and Closure from Own Source*	NIL
Floating rate term loans availed by Micro, Small Enterprises and Closure Through Takeover by any financial Institutions	2 % takeover charges of the Principal Outstanding >60 months after the disbursement of the Loan – NIL Charges
Fixed Interest rate Term loans	- 2.5 % (Plus applicable Taxes) of the Principal Outstanding, > 60 months after the disbursement of the Loan/Facility – NIL Charges. NIL Premature Closure Charges /Foreclosure/ Prepayment /Takeover/Part-payment charges for loan amount up to Rs. 50 Lakh availed by Micro & Small Enterprises.
Delayed Instalment payment Charge	A maximum of 18% P. A. on overdue instalment amounts.
Payment Return Charges	Rs 450/-
Repayment schedule charges*	Rs. 50/- per instance
Repayment mode change charges*	Rs. 500/-
Custody charges	Rs 1000/- per month for non-collection of collateral documents beyond 60 days, from date of closure of all loans/facilities linked to the collateral.
Revision in spread	0.1% of Principal Outstanding OR Rs. 5000 whichever is higher Per proposal
Legal/Repossession & Incidental charges	At actuals
Stamp Duty & other statutory charges	As per applicable laws of the state
Conversion charges for Change in Reference rate (BPLR/ Base rate/MCLR to Policy Repo Rate (for existing customers)	NIL
Penal Interest for Non Adherence of ESCROW Account (as per sanction terms and conditions)	2% p. a additional on existing ROI (Applicable in LARR cases only)
Penal Interest charged for non-complying with sanction terms	2% per annum additional on existing ROI- (Charged on monthly basis) Subject to a Max of Rs 50000/-
CERSAI Charges	Rs. 100 for each property
Property Swapping / Partial property Release*	0.1% of the loan amount. Min – Rs. 10,000/-. Max of Rs 25000/- per property
Document Retrieval charges post Disbursement*	Rs. 75/- per document set. (Post disbursement)

Own Sources: *the expression "own sources" for this purpose means any source other than borrowing from a Bank/HFC/NBFC or Financial Institution.

The Borrower will be required to submit such documents that HDFC Bank may deem fit & proper to ascertain the source of funds at the time of prepayment of the loan.

The prepayment charges are subject to change as per prevailing policies of HDFC Bank and accordingly may vary from time to time which shall be notified on www.hdfcbank.com.

Other Charges
Delayed Instalment payment Charge	A maximum of 18% P. A. on overdue instalment amounts.
Payment Return Charges	Rs 450/-
Repayment schedule charges*	Rs. 50/- per instance / Digital – Free
Repayment mode change charges*	Rs. 500/-
Custody charges	Rs 1000/- per month for non-collection of collateral documents beyond 60 days, from date of closure of all loans/facilities linked to the collateral.
Revision in spread	0.1% of Principal Outstanding OR Rs. 3000 whichever is higher Per proposal
Legal/Repossession & Incidental charges	At actuals
Stamp Duty & other statutory charges	As per applicable laws of the state
Conversion charges for Change in Reference rate (BPLR/ Base rate/MCLR to Policy Repo Rate (for existing customers)	NIL
Charges levied for Non Adherence of ESCROW Account (as per sanction terms and conditions)	2% p. a additional on existing ROI (Applicable in LARR cases only)
Charges levied on account of non- adherence of sanction terms.	2% per annum additional on existing ROI- (Charged on monthly basis) Subject to a Max of Rs 50000/-
CERSAI Charges	Rs. 100 for each property / at actuals
Property Swapping / Partial property Release*	0.1% of the loan amount. Min – Rs. 10,000/-. Max of Rs 25000/- per property
Document Retrieval charges post Disbursement*	Rs. 500/- per document set. (Post disbursement)

All the above charges/fees/Commissions are exclusive of taxes. All government taxes are applicable.
10% discount to senior citizens on all the service charges

Loan Eligibility

Loan eligibility is primarily dependent on income and repaying capacity. Other important factors include the customer’s profile, age at loan maturity, age of property at loan maturity, investment and savings history etc.

Important Factor	Criteria
Age	18-70 years
Profession	Salaried / Self Employed
Nationality	Resident Indian
Tenure	Up to 15 years

Classification Of Self Employed

SELF-EMPLOYED PROFESSIONAL	SELF-EMPLOYED NON-PROFESSIONAL (SENP)
Doctor, Lawyer, Chartered Accountant, Architect, Consultant, Engineer, Company Secretary etc.	Trader, Commission Agent, Contractor etc.

How does adding a co-applicant benefit? *

Higher loan eligibility with an earning co-applicant.
Lower interest rate on adding a female co-owner as co-applicant.

*All co-applicants need not be co-owners. But all co-owners need to be co-applicants to the loans. Generally, co-applicants are close family members.

Maximum Funding**
The maximum Top Up Loan that you can avail of is equivalent to your originally sanctioned loan amount of all the Home Loans put together or ₹100 lacs, whichever is lower.
This is further subject to the cumulative outstanding loans plus the Top Up being offered not exceeding an overall cap of 80% for cumulative exposure up to ₹75 lacs & 75% if the cumulative exposure is over ₹75 lacs of the Market Value of the mortgaged property, as assessed by HDFC Bank.

**You can apply for a Top Up Loan after 12 months' of the final disbursement of your existing Home Loan and upon possession / completion of the existing financed property or basis the last 12 months' track record of the Top Up Loan being refinanced from another institution, subject to possession / completion of the property.

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Testimonials

AGHARA RAVIKUMAR M

“

It was very easy to complete disbursement process with support of HDFC staff

”

MURALI SHEEBA

“

For people like us with a busy schedule hassle-free service online without visiting the bank was really a lifesaver.

”

FREDDY VINCENT S V

“

In this challenging situation, the entire process was carried out in a smooth way. Even the query raised was sorted out in a very short time with no hurdle. Every person involved in the inquiry procedures were courteous.

”

Frequently Asked Questions

Rates Offered to Customer (Past Quarter)
Segment	IRR			APR
Segment	Min	Max	Avg.	Min	Max	Avg.
HOUSING	8.35	12.50	8.77	8.35	12.50	8.77
NON - HOUSING*	8.40	13.30	9.85	8.40	13.30	9.85
*NON - HOUSING = LAP(EQUITY), NON-RESIDENTIAL PREMISES LOAN & INSURANCE PREMIUM FUNDING

Loan Benefits

End to end digital process

Loan approval in 4 simple steps.

Easy documentation

Apply with minimal documents, save time and effort.

24x7 assistance

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Online loan account

Key Features

Terms & Conditions

Security

Security of the loan would generally be security interest on the property being financed and / or any other collateral / interim security as may be required by HDFC Bank

Other Conditions

All the information contained herein above is for awareness and customer convenience and is intended to only act as an indicative guide about HDFC Bank’s products and services. For detailed information about HDFC Bank’s products and services kindly visit the nearest HDFC Bank branch.

Click here for the Most Important Terms and Conditions pertaining to your loan.

"Appreciate the quick service and understanding at HDFC Housing Finance"

- Avinashkumar Rajpurohit,Mumbai

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Monthly EMI

₹198341

Principal Amount

₹198341

Interest Amount

₹198341

Total Amount Payable

₹198341

Apply Online

View Amortization Schedule

EMI break-down chart

Year	Opening Balance	EMI*12	Interest paid yearly	Principal paid yearly	Closing Balance
1	25,00,000	2,41,387	2,24,307	17,080	24,82,920
2	24,82,920	2,41,387	2,22,705	18,682	24,64,238
3	24,64,238	2,41,387	2,20,952	20,435	24,43,803
4	24,43,803	2,41,387	2,19,035	22,352	24,21,452
5	24,21,452	2,41,387	2,16,938	24,448	23,97,003
6	23,97,003	2,41,387	2,14,645	26,742	23,70,262
7	23,70,262	2,41,387	2,12,137	29,250	23,41,011
8	23,41,011	2,41,387	2,09,393	31,994	23,09,017
9	23,09,017	2,41,387	2,06,391	34,995	22,74,022
10	22,74,022	2,41,387	2,03,109	38,278	22,35,744
11	22,35,744	2,41,387	1,99,518	41,869	21,93,875
12	21,93,875	2,41,387	1,95,590	45,797	21,48,078
13	21,48,078	2,41,387	1,91,294	50,093	20,97,985
14	20,97,985	2,41,387	1,86,595	54,792	20,43,194
15	20,43,194	2,41,387	1,81,455	59,932	19,83,262
16	19,83,262	2,41,387	1,75,833	65,553	19,17,709
17	19,17,709	2,41,387	1,69,684	71,703	18,46,006
18	18,46,006	2,41,387	1,62,958	78,429	17,67,577
19	17,67,577	2,41,387	1,55,601	85,786	16,81,790
20	16,81,790	2,41,387	1,47,553	93,834	15,87,957
21	15,87,957	2,41,387	1,38,751	1,02,636	14,85,321
22	14,85,321	2,41,387	1,29,123	1,12,264	13,73,057
23	13,73,057	2,41,387	1,18,592	1,22,795	12,50,262
24	12,50,262	2,41,387	1,07,073	1,34,314	11,15,948
25	11,15,948	2,41,387	94,473	1,46,914	9,69,035
26	9,69,035	2,41,387	80,692	1,60,695	8,08,340
27	8,08,340	2,41,387	65,617	1,75,769	6,32,570
28	6,32,570	2,41,387	49,129	1,92,258	4,40,313
29	4,40,313	2,41,387	31,094	2,10,293	2,30,020
30	2,30,020	2,41,387	11,367	2,30,020	0