Features and benefits
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Top-up of up to Rs. 40 lakh
Get up to Rs. 40 lakh over and above your existing personal loan for your financial goals and emergencies.
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Simple eligibility
Avail of a top up loan upon completing 12 EMIs on your current Bajaj Finserv Personal Loan.*
Provide a few documents like salary slips and bank statements to obtain a high-value top-up.
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Provide a few documents like salary slips and bank statements to obtain a high-value top-up.
Basic documentation
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Speedy disbursal
Address emergencies swiftly with same-day* disbursal of funds upon approval.
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Affordable repayment
Repay your loan at a nominal top-up loan interest rate.
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Flexi Hybrid facility
Withdraw funds and pre-pay them as often as you desire, free of charge. Pay interest-only on the amount that you withdraw.
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45%* lower EMIs
Opt for interest-only EMIs for the initial part of the repayment term with the Flexi facility. Calculate your EMIs in advance using a personal loan EMI calculator.
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100% transparent process
Avail of extra funds, fully aware of the fees and charges applicable to you.
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Online top-up application
Apply online from the comfort of your home and enjoy speedy loan processing.
Bajaj Finserv offers top up loans on personal loans to select customers. If eligible, you can get a top up loan up to Rs. 40 lakh over and above your existing personal loan for expenses your existing personal loan may not cover.
An urgent need for funds can arise at any time. You may be faced with a medical emergency, or you may require funds to renovate your home. You may need to pay for higher education or even need finance to purchase a used car. For such needs, a top up loan is ideal as it offers quick financing against simple eligibility criteria.
As an existing customer, you enjoy a simple top-up loan approval process. Customers who have successfully paid 12 EMIs and maintain a solid financial profile can look forward to money in the bank in 24 hours*, post-approval. Our top-up personal loans bear a competitive personal loan interest rate, and you can apply for one online.
Log in to Bajaj Finserv Customer Portal in to check your eligibility for a top-up loan and apply for the same.
We also offer the Flexi facility for flexibility in borrowing. It allows you to borrow funds from your approved loan limit as the need arises and pre-pay amounts without any charge. Your interest payment is now restricted to the amount withdrawn and is not on the entire principal. For ease of repayment, you can choose to pay interest-only EMIs for the initial part of the repayment term.
Difference between personal loans and top-up personal loans
Criteria |
Personal loans |
Top-up personal loans |
Source of borrowing |
Personal loans are available to everyone who meets the eligibility requirements and submits the necessary paperwork. |
In most cases it will only be your current lender. To get a top-up from another lender, you need to move the entire loan amount to the new lender. |
Loan amount |
The amount of personal loan an individual can get depends on the lender's limit. |
A top-up on a personal loan is available as a set percentage of the original loan amount and as per your eligibility criteria. This condition may vary by lender and loan type. |
Tenure |
Personal loans usually have tenures ranging between 6 months to 96 months |
A top-up personal loan has a flexible tenure that usually matches the tenure of the original loan. |
