Category Archives: Loans

SBI Home Top Up Loan – Eligibility, Interest Rate, Documents

SBI Home Top Up Loan – Apply & Get Instant Loan Quote Online. Check Eligibility, Interest Rate, EMI Calculator, Processing Fee, Documents, Tenure, Re-payment options. 

Avail SBI Home Top Up Loan for additional funds over and above your existing SBI Home Loan. The loan raised can be used to meet any personal requirements. Pay interest much lower on SBI Home Top Up Loan than on usual Personal loan.


Professional Details
Loan Amount
Yearly Income
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Read below to know more about SBI Home Top Up Loan.


  • Resident Individual and NRI.
  • Age limit: 18 years to 70 years.

Benefits and Features

  • Lower rate of interest.
  • Low Processing fee.
  • No hidden charges.
  • No Prepayment Penalty.
  • Interest charged on Daily Reducing Balance.
  • Home Loan available as overdraft.
  • Repayment upto 30 years.

Interest Rate

Home Top Up Loan Home Top Up Loan as Overdraft (Maxgain)
Category Above Rs. 5 lacs & Upto Rs. 20 lakhs Above Rs. 20 lakhs & Upto Rs. 1 crore Above Rs. 1 crore & Upto Rs. 2 crore. Above Rs. 2 crores & Upto Rs. 5 crores. Above Rs. 5 crores Above Rs. 20 lakhs & Upto Rs. 1 crore Above Rs. 1 crore & Upto Rs. 2 crores Above Rs. 2 crores
Salaried 8.60-8.70% p.a. 8.80-8.90% p.a. 9.00-9.10% p.a. 9.45-9.55% p.a. 9.65-9.75% p.a. 9.50-9.60% p.a. 9.75-9.85% p.a. 9.85-9.95% p.a.
Non-Salaried 8.75-8.85% p.a. 8.95-9.05% p.a. 9.15-9.25% p.a. 9.60-9.70% p.a. 9.80-9.90% p.a. 9.65-9.75% p.a. 9.90-10.00% p.a. 10.00-10.05% p.a.


Loan Amount
Interest Rate (Reducing) % Per Annum
Loan Tenure (in Months)
Monthly EMI
Total Amount with Interest
Flat Interest Rate PA
Flat Interest Rate PM
Total Interest Amount
Yearly Interest Amount

List of Documents Required for SBI Home Top Up Loan.

  • Employer’s ID Card.
  • Duly filled Loan Application.
  • 3 Passport size photographs.
  • Proof of Identity: IT PAN card, Passport, Voter’s ID, Driving license. (any one)
  • Proof of Residence: Recent Telephone bills, Electricity Bill, Property Tax Receipt, Passport, Voter’s ID card. (any one)
  • Proof of Business address. (for non-salaried persons).
  • Statement of Bank Account / Pass Book for last six months.
  • Signature Identification from present bankers.
  • Personal Assets and Liabilities statement.

For Guarantor (wherever applicable)

  • Personal Assets and Liabilities Statement.
  • 2 Passport size photographs.
  • Proof of Identification.
  • Proof of Residence.
  • Proof of business address.
  • Signature Identification from his/her present bankers.

Additional Documents Required for Salaried Persons

  • Original Salary Certificate from employer.
  • TDS Certificate on Form 16 or copy of IT Returns for last 2 financial years, duly acknowledged by IT Dept.

Additional Documents Required for Professionals / Self-Employed / other IT assesses

  • Acknowledged copies of three years I.T. Returns / Assessment orders.
  • Photocopies of challans evidencing payment of Advance Income Tax.

Fee charged on SBI Home Top Up Loan

Processing Fee

  • 0.35% of the loan amount + Applicable taxes.
  • Minimum Rs. 2,000 and Maximum Rs. 10,000.


  • Advocate’s fee for property search and title investigation report.
  • Valuer’s fee for valuation report.


  • Stamp duty payable for Loan agreement & mortgage.
  • Property insurance premium.
  • CERSAI Registration Fee of Rs. 50 + GST upto Rs. 5 lakh limit; and Rs. 100 + GST for limits above Rs. 5 lakh.