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.
₹
₹10,00,000₹10,00,00,000
₹
₹0₹5,00,00,000
₹
₹0₹5,00,00,000
%
6%18%
yrs
1 yrs30 yrs
Max Loan (75% LTV): ₹90.00 L
Top-Up Available: ₹45.00 L
Outstanding (35.4%)
Top-Up Principal (15.7%)
Total Interest (48.9%)
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 |
Need a professional floor plan?
Get a Vastu-compliant floor plan delivered to your WhatsApp in 2 minutes
Try on WhatsApp