What is a Top-up Loan?

A Top-up Loan is a refinancing option through which borrowers who have existing Home Loans can secure additional funds to meet housing-related expenses. You can also avail of a Top-up Loan by transferring your Home Loan balance to us through our Home Loan Balance Transfer facility. Bajaj Housing Finance offers substantial Top-up Loans worth Rs.1 Crore* or higher at competitive interest rates, based on eligibility.

If you are servicing a Home Loan with us, you can avoid extra rounds of paperwork or tedious verification since we are already acquainted with your profile. Upon meeting the simple eligibility requirements and loan approval, your loan amount is approved and disbursed.

When you avail of a Top-up Loan from us, you can benefit from:

Sizeable Loan Amount:

We offer a substantial Top-up Loan amount that can be used to fund your housing expenses.

Competitive Interest Rates:

These loans generally offer lower interest rates compared to unsecured loans, making them cost-effective.

End-Use Flexibility:

The loan amount comes with end-use flexibility and can be used for housing-related purposes such as home renovation.

Speedy Approval and Disbursal:

Speedy approval and disbursal process to meet your urgent housing requirements.

Availing of a Top-up Loan, just like any other loan, affects your credit score. Your credit score is based on your repayment behaviour, among other factors. Paying your EMIs regularly contributes to maintaining a good credit score. Top-up Loans come with a long tenor, allowing you to increase your credit length, thereby contributing to a better credit score. On the contrary, missing your payments or delaying them can impact your credit score negatively.

​​To apply for a Top-up Loan at Bajaj Housing Finance, follow these simple steps:​​​

1. Go to our website and click on the 'Apply Now' button in the top right corner.​​​

2. Enter personal, employment, financial, and property-related information.​​​

3. ​​​​Verify your identity by entering the OTP sent to your ​number​.​​​

4. ​​​​Proceed to enter the details required regarding your finances and property.

5. ​​​Submit the application​​​​ form.

Once you have submitted the form, our representative will contact you within 24 hours* of submitting your application. They will reach out to you to discuss the next steps and provide further guidance.​​​

*Terms and conditions apply.