Top-up loans piggyback on your existing home loan: same property, fresh tranche. Rates are typically 0.5–2% higher than the home-loan rate, tenure capped to remaining home-loan tenure. Use it to fund renovation, education or large expenses at near-home-loan cost.
Existing home loan
Top-up tranche
Combined monthly EMI
₹0
Home loan EMI
₹0
Top-up EMI
₹0
Total home interest
₹0
Total top-up interest
₹0
Total amount payable
₹0
Blended rate
0%
Top-up vs personal loan
Top-up rates are typically 3–6% lower than personal-loan rates. Property is the collateral. Tax benefit under Section 24(b) applies only if the top-up is used for home construction / renovation — for other purposes (education, marriage), Section 24(b) is not available.