Personal Loan Top-Up: Quick Access to Extra Funds

A Personal Loan Top-Up allows existing personal loan borrowers to access additional funds without applying for a new loan. It ideal for meeting unexpected expenses or funding big purchases. With minimal documentation and quick approval, a top-up loan offers convenience and lower interest rates compared to new loans.

Get Instant Loan in 30 Mins, flexible EMI & tenure, and a 100% online process.

~30 min* Approval & disbursal
Up to ₹25 Lakh Loan amount
100% Digital Paper-light e-KYC
1
Share basics

Name, PAN & mobile — secure & consent-based.

2
e-KYC & eligibility

Instant checks; partner calculate offers and EMI options.

3
Approve & disbursal

Quick verification and funds to your bank account.

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.

Instant e-KYC No collateral Flexible tenure Trusted partner
Approval 2 minutes & Disbursal in 30 Mins*
Opens lender flow after a short verification step.
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

Benefit of Personal Loan Top Up

Fast Disbursal and Processing

If the bank or financial institution already has a personal loan on file for you, they might handle your application more quickly. Once the verification process is over, the loan money is released. This makes these loans ideal for unexpected expenses.

Hardly any documentation

From lender to lender, the documentation may differ. Since the paperwork was completed during the main loan's disbursement, some lenders might not need any at all to apply for a top-up. But some lenders might only need the bare minimum of paperwork to complete the loan application.

Rates of interest or charges

Depending on the lender, top-up loans could have lower processing fees or interest rates than new loans.

Duration of Loan

The top-up loan's term is limited to the initial loan's term. You can therefore select a tenure that is equal to or shorter than your current one.

No security is required

You are not required to put up any collateral or security as collateral for a top-up personal loan because it is an unsecured loan type.

Merged EMIs

Your EMIs may be consolidated with some banks or financial institutions. This implies that you can pay back the entire principal loan amount plus the additional loan amount in a single EMI. As a result, you may better organise your payments because you won't need to keep track of distinct due dates.



Eligibility Criteria of Personal Loan Top Up

You have to meet the following requirements in order to be eligible for a Personal Loan top-up:

  • The lender should already know you and have an active Personal Loan.
  • Every EMI for the current loan should have been paid back on schedule by you.
  • Applying for a Top-Up Loan should come after you've paid back a certain amount of your loan, usually 12 EMIs.
  • Demonstration of your ability to repay the loan is required.
  • A respectable credit score—ideally 750 or higher—should be yours.

Documents Required for Personal Loan Top Up

Since the paperwork and documentation for the existing loan have previously been completed and verified, the documentation process for top-up personal loans is rather minimal. The following are the typical paperwork needed to apply for a personal loan:

  • Identification documents like a driver's license, passport, Aadhaar, Election Commission, and/or PAN serve as proof of identity.
  • Three months' worth of pay stubs (for those who are salaried).
  • Proof of residential address in the form of utility bills, passports, rental agreements, etc.
  • Information about income for three months in a bank statement.
  • Passport-size photographs.

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.

Selected:
Years
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% p.a.
Selected:
Monthly Payable

0 / month

Principal

Interest

Total Payable

Breakdown: Principal vs Interest
Repayment Schedule
Month-Year EMI Interest Principal Balance

Compare the best Personal loan offers

IDFC First Bank
Interest Rate Range
starting at 9.99%
Processing Fee
1%
Max Loan Amount
₹ 1 cr
Tenure Range
6 month to 5 year
Apply
Bajaj Finserv
Interest Rate Range
Starting from 10.25% onwards
Processing Fee
Starting from 0.5% upto 3.93%
Max Loan Amount
upto 55 lakhs
Tenure Range
Upto 8 Years
Apply
Tata Capital
Interest Rate Range
10.99%
Processing Fee
0-1%
Max Loan Amount
₹ 35 lacs
Tenure Range
upto 6 Years
Apply
Incred
Interest Rate Range
13.99%
Processing Fee
0-1%
Max Loan Amount
₹ 15 lacs
Tenure Range
1 to 5 years
Apply
HDFC Bank
Interest Rate Range
10.75%
Processing Fee
2.50%
Max Loan Amount
₹ 40 Lakhs
Tenure Range
1 to 5 years
Apply
Axis Bank
Interest Rate Range
10.49%
Processing Fee
0-1%
Max Loan Amount
₹ 15 Lacs
Tenure Range
1 to 5 years
Apply
TATA FLY
Interest Rate Range
18%
Processing Fee
1% to 3%
Max Loan Amount
₹25,00,000
Tenure Range
1 to 6 year
Apply
Bajaj Growth Location
Interest Rate Range
NA
Processing Fee
NA
Max Loan Amount
NA
Tenure Range
NA
Apply
Fibe
Interest Rate Range
18%
Processing Fee
2%
Max Loan Amount
5 Lakh
Tenure Range
6 to 36 months
Apply
SMFG India Credit
Interest Rate Range
13% onwards
Processing Fee
Up to 5% of the total loan amount + GST
Max Loan Amount
Up to INR 30 Lakh*
Tenure Range
12 to 60 months
Apply
Bajaj SOL
Interest Rate Range
13% onwards
Processing Fee
0-4%
Max Loan Amount
upto 25Lakhs
Tenure Range
upto 60 months
Apply
Bajaj Prime Location
Interest Rate Range
NA
Processing Fee
NA
Max Loan Amount
NA
Tenure Range
NA
Apply
Axis Finance
Interest Rate Range
13.0%
Processing Fee
0-1%
Max Loan Amount
₹ 15 lacs
Tenure Range
0 to 3 years
Apply
Finnable
Interest Rate Range
12%
Processing Fee
0-1%
Max Loan Amount
₹ 10 Lacs
Tenure Range
Upto 5 years
Apply
FairCent
Interest Rate Range
9.99%
Processing Fee
0-3%
Max Loan Amount
₹ 10 lacs
Tenure Range
6 months to 3 years
Apply
Upwards
Interest Rate Range
18%
Processing Fee
0-2%
Max Loan Amount
₹ 3 Lacs
Tenure Range
1 to 5 years
Apply
Moneyview
Interest Rate Range
15.96%
Processing Fee
2%
Max Loan Amount
₹ 10 Lacs
Tenure Range
1 to 5 years
Apply
Federal Bank
Interest Rate Range
11.49%
Processing Fee
2.50%
Max Loan Amount
₹ 50 lacs
Tenure Range
1 to 5 years
Apply
Yes Bank
Interest Rate Range
10.99%
Processing Fee
2%
Max Loan Amount
₹ 40 lacs
Tenure Range
1 to 5 years
Apply
Aditya Birla Capital
Interest Rate Range
10.99%
Processing Fee
2%
Max Loan Amount
₹ 50 Lacs
Tenure Range
0 to 7 years
Apply