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About Top-up loan

Bajaj Finserv brings Top-up Loan as an exclusive financing option for expenses besides the ones covered by the home loan. Customers who opt for our balance transfer facility can borrow funds over and above the existing home loan amount. It not only speeds up the process of availing additional funding but also saves time.

​Avail top-up loan up to Rs. 50 Lakh with a Home Loan Balance Transfer Apply Now!!

Top-up loan: Features and benefits

Whether to improve your home’s exterior and interior or carry out house renovation and repair, top-up on Home Loan Balance Transfer becomes the ultimate financing option. You can also utilise this top-up amount to meet other big-ticket expenses such as funding your child’s overseas education, marriage costs, expenses for travelling abroad and many more.

Transfer your Home loan balance to Bajaj Finserv and get top-up loan up to Rs. 50 Lakh* with it. Its attractive features and benefits make it a compelling funding option.

  • Attractive rate of interest

    Bajaj Finserv offers the top-up facility at a lower rate of interest compared to your existing lender. Reduce the burden of interest payment and manage finances effectively over time with this facility.

  • Quick and easy financing with no extra documentation

    Availing a Top up Loan is easy and requires you to furnish no extra documents for the approval.

  • High-value loan amount

    Bajaj Finserv offers a high-value top-up amount if the property’s value is high. Depending on this value, the loan amount can be more than the initial Home Loan availed.

  • No restriction to end use

    While you can meet home construction and renovation expenses with the top-up amount availed on Home Loan Balance Transfer, you can also use it to meet any other necessary financing requirements as well.

  • Online account accessibility

    Track this loan amount through online account management on Bajaj Finserv’s digital customer portal.

  • Foreclosure and part-prepayment facility

    If you wish to repay the loan amount before the tenor ends, use our foreclosure and part-prepayment facility.

  • Income tax benefits

    Under Section 24 of the Income Tax Act, you can also claim income tax deduction up to Rs. 2,00,000 on the payable Top up Loan interest. You also get home loan tax benefits on Top up Loan of up to Rs. 50,000 on the interest under Section 80EE of the Income Tax Act.

Top up Loan: Eligibility Criteria and Documentation

All customers who choose to go for our balance transfer facility can avail the top up amount by meeting simple top up Home Loan eligibility and documentation. Furnish the documents required for top up Home Loan.


Top-up Loan: Interest rate, fees & charges

Get the lowest Top up Loan interest rates in India and other transparent fees with Bajaj Finserv.

Know the interest rates to calculate the monthly outflow of cash in the form of EMI to repay the top up amount. You can calculate it with our online tool Home Loan EMI calculator.

Bajaj Finserv offers the lowest home loan interest rate in India, thus making repayment easy and affordable.


  • Interest rates & fees - Types
  • Applicable charges
  • The regular rate of interest (for salaried individuals)
  • BFL-SAL FRR* - Margin between 9.05% and 10.30%
  • The regular rate of interest (for self-employed)
  • BFL-SE FRR* - Margin between 9.35% and 11.15%
  • For salaried – Promotional rate of interest
  • 8.30%* onwards
  • *Bajaj Finance Limited Floating Reference Rate for Salaried customers (BFL-SAL FRR)
  • 20.90%
  • *Bajaj Finance Limited Floating Reference Rate for Self Employed customers (BFL-SE FRR)
  • 20.90%
  • **Loan up to 30 lakhs, for new customers
Sr. No. Other types of charges Applicable charges
1. Loan processing fees Up to 1.20% for self-employed individuals
Up to 0.80% for salaried individuals
2. Charges for a loan statement Rs. 50
3. Charges for interest and principal statement NIL
4. Bounce charges on EMI Rs. 3,000
5. Secure fee (One time) Rs. 9,999
6. Penal interest 2% every month along with applicable taxes
7. Non-refundable mortgage origination fees Rs. 1,999

*Also, know the transparent foreclosure and part-prepayment charges on this loan so that you can plan the repayment better. If you are an individual borrower whose Housing Loan interest rate is calculated on floating rates, you do not need to pay any part-prepayment and foreclosure charges.


Part-prepayment charges

Sr. No. Type of Interest: Type of Borrower Part-prepayment charges Period in months
1. Floating rate: Individual Nil >1
2. Floating rate: Non-individual 2% + taxes as applicable >1
3. Fixed rate: All borrowers 2% + taxes as applicable >1

Foreclosure charges

Sr. No. Type of Interest: Type of Borrower Foreclosure charges Period in months
1. Floating rate: Individual Nil >1
2. Floating rate: Non-individual 4% + taxes as applicable >1
3. Fixed rate: All borrowers 4% + taxes as applicable >1

Top-up Loan: How to apply?


Fill up the online application form to complete the application process.


Use our Top up Loan calculator to calculate the loan amount you need to apply for and meet your financial needs with ease.


Total sanctioned loan amount (in Rs.)*

Existing loan tenorMonths
Existing Rate of InterestPercent
BFL Rate of InterestPercent

Rs. 0

Total amount saved with loan transfer to Bajaj Finserv 

Rs. 0

Top-up loan eligible amount

Rs. 0

New loan eligible amount



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