Top up Loan - Features & Benefits

A top up loan is an exclusive option for our home loan balance transfer customers that gives 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.

If you wish to renovate your home or decorate your new home, 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 your children’s education. You can make use of this facility a year after your loan gets disbursed. When you opt for a home loan balance transfer with Bajaj Finserv, you can easily get a top up home loan at a low rate of interest.

  • Low interest rates on Top up Loan

    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.

Top up Loan Eligibility Criteria

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 Interest Rates, 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.

Top up Loan - How To Apply

  • 1


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

  • 2


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

Total sanctioned loan amount (in Rs.)*

Existing loan tenorMonths
Existing Rate of InterestPercent
BFL Rate of InterestPercent

Rs. 0

Total amount saved with loan trasfer to Bajaj Finserv 

Rs. 0

Topup loan eligible amount

Rs. 0

New loan eligible amount


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