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Apply for Top Up Home Loan online in SBI Bank

SBI Home Top Up Loan : Unlock the value of your home with SBI Home Top-Up Loans.

SBI offers "SBI Home Top Up Loan" to their customer to borrow certain amount over and above their home loan amount. The customer who already have a home loan from SBI and requires more funding, can opt for Home Top up loans. It can be availed for any personal purpose. The interest rates are much lower than usual personal loan interest rates.

SBI Home Top Up Loan Features

  • Low Interest Rates
  • Low Processing Fee
  • No Hidden Charges
  • No Pre Payment Penalty
  • Interest charges on Daily Reducing Balance
  • Home Loan Available as Overdraft
  • Repayment up to 30 years

SBI Home Top Up Loan Eligibility

  • Resident Type: Resident Indian & NRI
  • Minimum Age: 18 years
  • Maximum Age: 70 years
  • Loan Tenure: up to 30 years.

SBI Home Top Up Loan Interest Rates & Fees


Home Top Up Loan*

Upto Rs. 20 lakhsAbove Rs. 20 lakhs & Upto Rs. 1 croreAbove Rs. 1 crore & Upto Rs. 2 croresAbove Rs. 2 crores & Upto Rs. 5 crores

Home Top Up Loan as Overdraft (Maxgain)*

Above Rs. 20 lakhs & Upto Rs. 1 croreAbove Rs. 1 crore & Upto Rs. 2 crores
8.40-8.50% p.a.8.60-8.70% p.a.8.70-8.80% p.a.9.10-9.20% p.a.
9.30-9.40% p.a.9.50-9.60% p.a.
8.50-8.60% p.a.8.70-8.80% p.a.8.80-8.90% p.a.9.20-9.30% p.a.
9.40-9.50% p.a.9.60-9.70% p.a.

*Interest rate will vary as per the risk score of the customer


  • Processing Fee*
    1. 0.35% of the loan amount.
    2. Minimum: Rs. 2,000/-
    3. Maximum: Rs. 10,000/-

*Plus applicable taxes

  • Pre-sanction**
    1. Advocate's fee for property search and title investigation report.
    2. Valuer's fee for valuation report.
  • Post-sanction**
    1. Stamp duty payable for Loan agreement & mortgage.
    2. Property insurance premium.
    3. CERSAI Registration Fee of Rs 50 + Service Tax up to Rs 5 Lakh limit and Rs 100 + Service Tax for limits above Rs 5 Lakh.

** To be paid at actuals.

SBI Home Top Up Loan Documents Required

List of papers/ documents applicable to all applicants:

  • Completed loan application
  • 3 Passport size photographs
  • Proof of identify (photo copies of Voters ID card/ Passport/ Driving license/ IT PAN card)
  • Proof of residence (photo copies of recent Telephone Bills/ Electricity Bill/Property tax receipt/ Passport/ Voters ID card)
  • Proof of business address for non-salaried individuals
  • Statement of Bank Account/ Pass Book for last six months
  • Signature identification from present bankers
  • Personal Assets and Liabilities statement

For guarantor (wherever applicable):

  • Personal Assets and Liabilities Statement
  • 2 passport size photographs
  • Proof of identification as above
  • Proof of residence as above
  • Proof of business address as above
  • Signature identification from his/her present bankers

Additional documents required for salaried persons:

  • Original Salary Certificate from employer
  • TDS certificate on Form 16 or copy of IT Returns for last two financial years, duly acknowledged by IT Deptt.

Additional documents required for Professionals/self- employed/ other IT assesses:

  • Acknowledged copies of three years I.T. returns/ Assessment Orders.
  • Photocopies of challans evidencing payment of Advance Income Tax

Processing Fee

Click here to view the Processing Fee

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