Top-Up Loan Calculator
Unlock equity from your property. Calculate how much additional funding you can get on top of your existing home loan or LAP — at much lower rates than a personal loan.
Max Loan (75% LTV): ₹90.00 L
Top-Up Available: ₹45.00 L
Current EMI
₹40,746
New Combined EMI
₹58,855
Extra EMI (Top-Up)
₹18,109
Top-Up Amount
₹20.00 L
Combined Loan
₹65.00 L
Top-Up Interest
₹19.12 L
Total Interest
₹62.13 L
Combined Total
₹1.27 Cr
Why Top-Up Over Personal Loan?
Top-Up EMI (8.5%, 18 yrs)
₹18,109/mo
Personal Loan EMI (14%, 5 yrs)
₹46,537/mo
Save ₹28,428/month compared to a personal loan!
Bank-wise Top-Up EMI (Home Loan)
| Bank | Rate | Top-Up EMI |
|---|---|---|
| SBI | 8.25% | ₹17,803/mo |
| Bank of Baroda | 8.3% | ₹17,864/mo |
| PNB | 8.4% | ₹17,986/mo |
| HDFC | 8.5% | ₹18,109/mo |
| ICICI | 8.55% | ₹18,171/mo |
| Axis | 8.6% | ₹18,232/mo |
Top-up loan estimate — rate may differ from base home loan
This calculation is an indicative estimate based on the inputs provided and standard market formulas. Actual loan terms, eligibility, interest rates, processing fees, taxes and total cost will vary by lender, your credit profile, employer category, property type, location and prevailing RBI / bank policies on the day of disbursal.
Top-up loan rates are typically 0.5–1.0 percentage points higher than your base home loan rate, depending on the bank and end-use category (renovation, education, personal). Maximum top-up depends on the bank's current LTV policy and your property's revaluation. Tax benefits under Section 24 / 80C apply only when the top-up is used for specific qualifying purposes — consult a Chartered Accountant.
Before making any borrowing or property-purchase decision, please verify the final numbers with your bank, a SEBI-registered financial advisor, or a qualified Chartered Accountant. GrehYug is not a financial intermediary and does not earn commission on any loan or property transaction.
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