Can I Get a Top up Loan on HDFC Personal Loan?


  • Need extra funds to fulfill fund requirements? Apply for a top-up loan at HDFC
  • Check here how does the HDFC top-up personal loan work

Yes, you can get a top-up loan from HDFC Bank if you pay your current personal loan EMIs without any default. A top-up loan is for additional fund requirements. And if your credit report is clear and payment record is good, you can easily get a top up on your HDFC personal loan. Know the features of HDFC top-up loan in the below-mentioned points.

  1. Top up loan interest rate ranges from 10.75% to 22.00% for the existing customers
  2. Flexible tenure of 5 years
  3. Processing fee levied at 0.50% of HDFC top-up loan amount

How Does the HDFC Top up Personal Loan Work?

If you have a current HDFC personal loan of INR 5 lakh at an interest rate of 13.00% per annum for 5 years, you must be paying an EMI of INR 11,377. If the loan has run for 1 year, the outstanding balance would be INR 3,98,105. Now if you want a top-up loan of INR 1 lakh on your personal loan, the same will add to the outstanding balance. You will then repay the resultant loan amount at 13%. So. if you want to pay the consolidated loan for 4 years from here, you’ll pay an EMI and total interest of INR 13,363 and 1,43,315, respectively, over the next 4 years.

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Personal Loan Interest Rates January 2023
Fullerton India12.00% - 24.00%
HDFC Bank10.99% - 15.00%
ICICI Bank10.50% - 18.00%
IndusInd Bank10.49% - 31.50%
Kotak Bank10.75%
RBL17.50% - 26.00%
Standard Chartered Bank10.75% - 13.00%
Tata Capital10.75% - 18.00%
Home Loan Interest Rates January 2023
Axis Bank7.60% - 8.05%
Bank of Baroda7.45% - 8.80%
Citibank6.65% - 7.40%
HDFC8.60% - 9.60%
ICICI Bank8.75% - 9.80%
Indiabulls Housing Finance Limited8.65%
Kotak Bank8.30% - 8.90%
LIC Housing8.65% - 9.75%
Piramal Capital & Housing Finance10.50%
PNB Housing Finance8.50% - 10.35%
Reliance Home Finance8.75% - 14.00%
State Bank of India/SBI8.00% - 8.55%
Tata Capital7.75%