To help home buyer’s set-up their dream home, Bajaj Finserv has come up with a unique offer - Top-up Loan. Under this scheme, Bajaj Finserv lends you an additional amount to transform your house to the home of your dreams.

Top Up Loan: Features and Benefits

A Top Up loan is an exclusive option for our Home Loan Balance Transfer customers that give them the freedom to borrow money over and above the initial Home Loan amount. You can avail of these loans when you opt for a Home Loan Balance Transfer from Bajaj Finserv.

Applying for and maintaining multiple loans can be quite a hassle. If you’ve bought land, you’ll most certainly need to get a Home Construction Loan to fund your construction activities. A Top-Up Loan on your existing loan will hasten the process and save you lots of time and energy. Using a Top Up loan for home improvement gets you tax exemption on the loan amount. These loans can be used for a variety of other purposes also, like marriage expenses, or even education. You can make use of this facility a year after your loan gets disbursed.

When you opt for a Home Loan Balance Transfer at Bajaj Finserv, you can easily get a Top Up Home Loan at a very low rate of interest.

Low interest rates

You can avail a Top Up loan on Home Loan at an interest rate much lower than most other loans.

Easy Financing

Getting a Home Loan Top Up loan is hassle-free and requires very little paperwork. You can repay the loan through easy EMIs. Plus, there are no prepayment charges.

  • This loan is available for salaried individuals only
  • This offer is up for all our existing and new customers who have/will avail our Home Loan Balance Transfer facility
  • The Top-up Loan can be more than the original Home Loan if the value of your property is high.

Eligibility and Documents for Top-Up Loan

Our Top-Up Loans are available to all customers who opt for a Home Loan Balance Transfer. We have a set of very basic eligibility criteria and minimal documentation requirements. Here is the complete list of requirements for Top-Up Loan eligibility.

Top-Up Loan: Fees and Charges

There are no prepayment or foreclosure charges if you decide to prepay your EMIs or foreclose your loan before the tenure gets over. This way you can clear off your debts quickly and easily if you have the financial capacity to do so. For information on processing fees, the rate of interest and other charges, please visit the link provided to help you get a better understanding of Top Up Loan charges and interest rates

How to Apply


Fill up the online application form and review your loan offer with the help of our Home Loan Top-up calculator.


Give us a call on 1-800-209-4151 or visit any of our branches.

Terms and Conditions

Click here to take a closer look at our terms and conditions.

Contact Us

Not yet an existing customer?

You can visit our branch or call us at 1800-103-3535 or SMS 'SHOL' to 9773633633

For existing customers

Call us on our toll free IVR

  • Dial 020 3957 4151 (call charges apply) (W.e.f. 2 May 2015)
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  • Access IVR in 10 languages:English, Hindi, Bengali, Marathi, Punjabi, Gujarati, Tamil, Telugu, Kannada and Malayalam
  • Get access to all your loan details

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Financial Fitness Report

We launched the Financial Fitness Report (FFR) for our Salaried customers in December 2013.
Through this report we would educate and create financial and credit awareness among Salaried customers, one of our many value added services we provide. We have partnered with a firm called Credit Vidya who possesses the expertise in preparing the FFR for our customers.

The FFR is a concise, crisp, customized and easy to understand report, available at just Rs.749, for select existing customers, covering the following:

  • A customers’ Credit Score
  • Demystifying the credit score for the customer and informing him about his performance across various components of the score
  • Key monetary ratios & savings potential which would provide awareness to a customer about his financial leverage
  • Recommendations to the customer with respect to his credit behavior
  • DO’s & DON’T’s of good credit behavior

Click here to view a sample copy of the report

How to Apply

The Financial Fitness Report is only available to select existing customers who have an offer on our Customer Portal.
To view the FFR offer, a customer must log in to the Customer Portal with a Username/Email ID/Mobile Number and Password.

Alternately a Salaried customer could seek information about the FFR from our Sales / Credit Manager during the Personal loan application process. The report for a new customer is priced at 999/-
Post application for a FFR, the report is generated within 3 days post disbursal of the loan and emailed to the customer on the email ID provided by him/her.