What is Top-Up Loan?_banner_WC



Not all your expenses are home-related, but that doesn’t mean they should be unaddressed or cost you a high rate of interest. With Bajaj Housing Finance, you can benefit from a Top-up Loan significantly as the sanctioned amount has end-use flexibility.

The provision is available to those who transfer their Home Loan balance to us. Not only do you gain more competitive Home Loan terms, but we also offer a Top-up Loan worth Rs.1 Crore* or higher, based on your needs and eligibility.

Moreover, you can avoid extra rounds of paperwork or tedious verification, as we are already acquainted with your profile. Upon meeting the simple eligibility requirements and loan approval, your loan amount is approved and disbursed.

The features of a Top-up Loan are:

Sizeable Loan Amount:

The Top-up Loan amount can be used to fund your big-ticket housing expenses.

End-Use Flexibility:

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

The benefits of a Top-up Loan are:

Speedy Approval and Disbursal:

Speedy approval and disbursal process for housing-related financial needs.

Competitive Interest Rates:

These loans generally offer lower interest rates compared to personal loans, making it cost-effective.

A Top-up is a loan, and just like any other loan, it does count in your credit score. Whether positively or negatively depends on the regularity with which you pay your dues. If you can pay your EMIs on time, your credit score will stay healthy or even become better than before. Additionally, Top-up loans have a long Tenor. Making timely repayments over a long duration increases your credit length, thereby contributing to a better credit score. On the contrary, missing your payments or delaying them would most definitely 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 Online' button.​​​

  2. ​​​​Provide basic details about yourself.​​​

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

  4. ​​​​Enter the loan amount you require and choose the ideal repayment period.​​​

  5. ​​​​Input your personal, employment, financial, and property-related information.​​​

  6. ​​​Submit the application​​​​

Once you have submitted the form, you can expect to be contacted by our authorized representative 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

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