Now create your own space with HDFC Home Loans.


Top Up Loans



Key Features


A Top Up Loan is an additional loan provided by a housing finance company on an existing home loan, with minimal new documentation.

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

Loans for a variety of personal or professional needs (other than for speculative purposes)
Loans for existing customers as well as new customers availing of our Balance Transfer Facility
Avail of a maximum Top Up Loan of ₹50 lacs
Integrated branch network for availing and servicing the loan anywhere in India
Attractive interest rates
Integrated branch network for availing and servicing the loan anywhere in India
Easy and hassle free documentation
Easy and hassle free documentation
Easy and hassle free documentation

Top Up Loan Eligibility Details



Primary Applicant

  • Age

    21-65 years

  • Profession

    Salaried / Self Employed

  • Nationality

    Resident Indian

  • Gender

    All Genders

Co Applicants

  • Adding Co-Applicant helps in maximizing the loan amount.

  • Adding Women Co-Owner helps in getting better interest rate.

  • All co-applicants need not be co-owners. Generally co-applicants are close family members.

Top Up Loan FAQs

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.

All customers with an existing Home Loan, Home Improvement Loan or a Home Extension Loan can apply for a Top Up Loan. New customers availing of our Balance Transfer loan can also additionally avail a top up loan from HDFC. 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.

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 orRs.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 toRs.75 lacs & 75% if the cumulative exposure is overRs.75 lacs of the Market Value of the mortgaged property, as assessed by HDFC.

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

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.

Yes. Top loan can be availed in addition to a balance transfer loan from HDFC.

You can find a checklist regarding documents required and applicable fees & charges on https://www.hdfc.com/checklist#documents-charges


Key Features


A Top Up Loan is an additional loan provided by a housing finance company on an existing home loan, with minimal new documentation.

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

Loans for a variety of personal or professional needs (other than for speculative purposes)
Loans for existing customers as well as new customers availing of our Balance Transfer Facility
Avail of a maximum Top Up Loan of ₹50 lacs
Simple repayments through monthly instalments
Attractive interest rates
Integrated branch network for availing and servicing the loan anywhere in India
Easy and hassle free documentation
Easy and hassle free documentation
Easy and hassle free documentation

Top Up Loan Eligibility Details



SELF EMPLOYED PROFESSIONAL (SEP)

  • Doctor
  • Lawyer
  • Chartered Accountant
  • Architect
  • Consultant
  • Engineer
  • Company Secretary, etc.

SELF EMPLOYED NON-PROFESSIONAL (SENP)

  • Trader
  • Commision Agent
  • Contractor etc.

Stay Updated With
Our Emails in Your Mailbox