Personal Loan Top-Up:
Quick Access Extra Funds
A Top-Up Loan lets existing personal-loan customers borrow an additional amount from the same lender. Because your KYC and repayment history already exist, approvals are quicker, paperwork is lighter, and pricing is often more competitive than a brand-new personal loan.
Top-Up Loan Uses
- Cover urgent medical or family expenses
- Fund home improvement or interior upgrades
- Consolidate multiple existing loans
Who Can Get a Top-Up
- Existing personal-loan borrower with same bank/NBFC
- Minimum 6–12 EMIs paid on time
- Good credit score (typically 700+)
- Stable income or steady profile
Get a Personal Loan upto ₹25 Lakh in in 30 Minutes*
100% digital and secure process, 45% lower EMIs starting @ ₹1104/Lakh, Pay interest only on what you use with flexi loan.
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1+ Million
Happy Customers
Rs. 250+ crore
Monthly Personal Loans Disbursal
Wide Range of 60+
Partner Banks & NBFCs
Support team 500+
Team Size of Experts
What is a Personal Loan Top-Up?
A Personal Loan Top-Up is an additional loan amount on your existing personal loan from the same lender. Because you already have a relationship and repayment track, it’s usually faster, needs minimal documentation, and often comes at a lower interest rate than a fresh personal loan.
| Feature | Top-Up Loan | Fresh Personal Loan |
|---|---|---|
| Interest Rate | Usually lower | Usually higher |
| Processing | Faster, minimal paperwork | Full assessment & documents |
| Eligibility | Based on existing relationship | Full credit assessment needed |
| Security | Unsecured | Unsecured |
Benefits of a Personal Loan Top-Up
Lower Interest
Often cheaper than a new PL or credit card.
Quick Disbursal
Funds can hit your account in 24–48 hours.
Minimal Docs
Leverages your existing loan and KYC.
Flexible Use
Home upgrade, medical, wedding, travel, or consolidation.
Tenure Options
Align EMIs with your affordability and remaining tenure.
Unsecured
No collateral required—subject to profile.
How Does a Top-Up Work?
See pre-approved/top-up offers in net/mobile banking.
Amount, rate, tenure & indicative EMI.
Complete digital agreement and KYC (if asked).
Money is credited to your linked bank account.
EMIs continue as per new sanctioned schedule.
Eligibility Criteria
Age
21–60 years (some lenders allow up to 65 at loan maturity).
Income
Minimum ₹20,000/month for salaried employees.
Job Stability
Minimum 1 year in current job; 2–3 years experience preferred.
Credit Score
600+ eligible; 700–750 improves approval and reduces interest rate.
Residency
Indian citizen living in India with stable address history.
Eligibility varies by NBFC policy, city, and risk profile.
Documents Required
Basic KYC (Common)
- Identity: PAN (mandatory) + Aadhaar / Passport / DL / Voter ID
- Address: Aadhaar / Passport / utility bill / rent agreement
- Contact: Recent photo, active mobile & email
- Banking: Cancelled cheque / passbook for e-mandate
Salaried Employees
- Last 3 salary slips
- Salary account statement (6 months)
- Employment ID / HR letter (if asked)
- Form 16 / ITR (if required)
Self-Employed / CA
- Business Proof: GST / Udyam / Shop & Est. / CA Membership
- ITR (2–3 yrs) + P&L + Balance Sheet
- Current/Business account statement (6–12 months)
- Office address proof
Doctors
- MCI/State Registration Certificate
- Clinic registration / hospital empanelment
- ITR / Form 16 (if salaried doctor)
- Bank statement (6–12 months)
Armed Forces
- Service/Force ID
- Posting/Transfer letter (if asked)
- Latest payslips
- Salary account statement
Optional (If Needed)
- Co-applicant documents
- Existing loan statements
- NOC / verification documents
- DPD/settlement proof if asked
Documentation varies by NBFC, city, loan amount & risk profile. Upload clear PDFs.
Frequently Asked Questions — Personal Loan Top-Up
Calculate Your EMI Instantly
A Multi-Purpose Loan EMI Calculator helps you estimate your monthly repayment amount before applying for a loan. Whether it’s for education, travel, wedding, home renovation, or business needs—know your EMI and plan smarter.
0 / month
Principal
Interest
Total Payable
Repayment Schedule
| Month-Year | EMI | Interest | Principal | Balance |
|---|
Compare the best Personal loan offers
starting at 9.99%
1%
₹ 1 cr
6 month to 5 year
13.99%
0-1%
₹ 15 lacs
1 to 5 years
Starting from 10.25% onwards
Starting from 0.5% upto 3.93%
upto 55 lakhs
Upto 8 Years
10.49%
0-1%
₹ 15 Lacs
1 to 5 years
18%
1% to 3%
₹25,00,000
1 to 6 year
10.99%
0-1%
₹ 35 lacs
upto 6 Years
NA
NA
NA
NA
10.75%
2.50%
₹ 40 Lakhs
1 to 5 years
18%
2%
5 Lakh
6 to 36 months
13% onwards
Up to 5% of the total loan amount + GST
Up to INR 30 Lakh*
12 to 60 months
13% onwards
0-4%
upto 25Lakhs
upto 60 months
10.25%
3
50 Lakhs
upto 7 years
NA
NA
NA
NA
13.0%
0-1%
₹ 15 lacs
0 to 3 years
10.50%
5.5%
₹ 35 lacs
1 to 5 year
12%
0-1%
₹ 10 Lacs
Upto 5 years
9.99%
0-3%
₹ 10 lacs
6 months to 3 years
18%
0-2%
₹ 3 Lacs
1 to 5 years
15.96%
2%
₹ 10 Lacs
1 to 5 years
12.75%
0-3%
₹ 1 lacs to 25 lacs
1 to 5 years
10.49%
0-2%
₹ 3 Lacs to 75 Lacs
1 to 50 years
10.99%
0-2%
₹ 30 Lacs
1 to 5 years
10.25%
0-1%
₹ 50 Lacs
1 to 6 years
18%
0-2%
₹ 20 lacs
1 to 5 years
10% - 35%
0-3%
upto ₹ 20 lacs
1 to 5 years
11.15%
0.50%
upto ₹ 75 lacs
1 to 6 years
11.35%
1.0%
upto 15 lacs
1 to 5 years
10.95%
0.50%
upto ₹ 10 lacs
0 to 7 years
11.49%
2.50%
₹ 50 lacs
1 to 5 years
10.99%
2%
₹ 40 lacs
1 to 5 years
10.99%
2%
₹ 50 Lacs
0 to 7 years
