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Home > Home Loan > HDFC Home Loan > HDFC Home Loan Top Up Interest Rates

HDFC Home Loan Top Up Interest Rates

May 2, 2025
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When life calls for a little extra, HDFC Bank Home Loan Top-Up is here to help. Whether you want to build an extension, or upgrade your interiors, top-up loan offer the perfect solution. With an easy application process and minimal additional paperwork, you can quickly access the funds you need.


HDFC Bank Home Loan Top Up Highlights

CategoriesDetails
Interest Rates9.25 % p.a. onwards
TenureUpto 15 Years
Maximum Loan Amount70% – 75% of the plot’s market value
Processing FeesMaximum of 1% of loan amount (* Minimum PF of Rs.7500/-)

Check Out: HDFC Home Loan EMI Calculator


HDFC Home Loan Top Up Interest Rates 2025

HDFC Bank offers competitive home loan top up interest rates for your financial needs. Here are the latest top-up loan interest rates in 2025.

HDFC Special Top Up Rates

Loan SlabInterest Rates
Outstanding Home Loan + Top Up Loan9.25% to 10.10% p.a.
Balance Transfer + Top Up Simultaneous Loan8.80% to 9.65% p.a.

HDFC Standard Top Up Rates

Loan SlabInterest Rates
Outstanding Home Loan + Top Up Loan9.45% to 10.30% p.a.
Balance Transfer + Top Up Simultaneous Loan9.00% to 9.85% p.a.

Source: HDFC Bank Official Website


HDFC Home Loan Top Up Eligibility Criteria

Learn the eligibility conditions to qualify for HDFC’s home loan top-up facility, including customer types and property requirements.

FactorsCriteria
NationalityResident Indian
Age18 – 70 years
ProfessionSalaried and Self Employed
Existing Loan Types EligibleHome Loan/ Home Improvement Loan/ Home Extension Loan
New CustomersCan apply if availing a Balance Transfer Loan from HDFC Bank
Minimum Waiting Period12 months after the final disbursement of the existing Home Loan
Property Status RequirementPossession or completion of the existing financed property

Check Out: HDFC Home Loan vs. SBI Home Loan vs. ICICI Bank

Suggested Read: How to Apply for HDFC Bank Home Loan?


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HDFC Home Loan Top Up Processing Fees

Applying for a home loan top up with HDFC involves certain processing fees that borrowers should be aware of. These fees cover the administrative costs associated with evaluating and managing the loan application.

CategoryProcessing Fees
Minimum₹7,500
Maximum1% of the Loan Amount

Suggested Read: How to Reduce Processing Fees?


HDFC Home Loan Top Up Other Fees and Charges

Beyond processing fees, obtaining a home loan top up from HDFC may entail additional charges that borrowers need to consider.

CategoryFees and Charges
Conversion of Interest Rates
(Floating – Fixed Rates)
Up to ₹3,000
Part Prepayment (Up to 25% of Principal Outstanding Once a Year)No charges
Part Prepayment (Above 25% of Principal Outstanding)2.5% + GST on the amount exceeding 25% of the outstanding principal.
Prepayment Floating Rate Term LoansNil charges for individual borrowers (non-business use).
Nil charges for Micro & Small Enterprises.
Foreclosure Charges2.5% of Principal Outstanding
After 60 months from loan disbursement: Nil charges.
Penal Interest18% p.a. + applicable taxes on overdue installment amount
Conversion charges for Change in Reference rate (for existing customers)NA
Annual Maintenance Charge (AMC)NA
Stamp Duty & other statutory chargesAs per applicable laws of the state
Payment Return Charges₹450
Amortization Schedule Charges₹50
Repayment mode change charges₹500
Legal/Repossession & Incidental chargesAt Actuals
Custody charges
₹1,000 per month beyond 60 days from the date of closure of all loans/facilities linked to the collateral.
Revision in spread
0.1% of Principal Outstanding OR ₹3,000 whichever is higher Per proposal
Charges for Non Adherence of ESCROW Account of Sanction Terms2.00% p.a. on outstanding principal
Charges for Non-Compliance of Sanction Terms
2.00% p.a. + taxes
CERSAI Charges₹100
Document Retrieval charges post Disbursement₹75 per document

Suggested Read: How to Prepay HDFC Home Loan?


HDFC Home Loan Top Up: Documents Required

Submitting a home loan top up application with HDFC necessitates the provision of specific documents to verify the borrower’s identity, property details, and financial standing. Here’s a list of documents required:

For Salaried Individuals

Document TypeExamples/Requirements
Proof of ResidenceRation Card, Telephone Bill, Electricity Bill, Voter’s ID Card
Proof of IdentityVoter’s ID Card, Employer’s Card
Bank Statement/PassbookLatest Bank Statement/Passbook showing salary/income credited for the previous 6 months
Salary SlipSalary slips for the previous 6 months (showing deductions)
Form 16For the previous 2 years
Property DocumentsCopies of all documents for the property to be pledged

For Self-Employed Professionals/Individuals

Document TypeExamples/Requirements
Financial StatementsCertified Financial Statements for the previous 3 years
Proof of ResidenceRation Card, Telephone Bill, Electricity Bill, Voter’s ID Card
Proof of IdentityVoter’s ID Card, Employer’s Card
Bank Statement/PassbookLatest Bank Statement/Passbook showing salary/income credited for the previous 6 months
Property DocumentsCopies of all documents for the property to be pledged

Suggested Read: How to Download HDFC Home Loan Interest Certificate?

Suggested Read: HDFC Home Loan Customer Care


Seamless, quick, and easy. Get your HDFC Home Loan Top-Up now!

Call now!

How to Apply to HDFC Bank Home Loan Top Up?

HDFC Bank offers multiple convenient avenues for applying for a Home Loan Top-Up:
Online Application

  1. Visit the Official Website: Navigate to the HDFC Bank Home Loan Top-Up page.

  2. Select ‘Apply Online’: Click on the ‘Apply Online’ button to initiate your application.

  3. Fill in Personal Details: Provide necessary information such as your name, contact details, existing loan account number, and the amount you wish to top up.

  4. Upload Required Documents: Submit digital copies of the necessary documents, including identity proof, address proof, income proof, and property documents.

  5. Submit the Application: Review all the entered information and submit your application for processing.


Compare Top Bank Home Loan Top-Up Interest Rates

BankInterest Rate (p.a.)
State Bank of India8.00% onwards
HDFC Bank8.70% – 9.55%
ICICI Bank8.75% onwards
Axis Bank8.75% – 12.80%
Kotak Mahindra Bank8.65% onwards
Punjab National Bank8.50% onwards
Bank of Baroda8.40% onwards

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Conclusion

HDFC Bank’s Loan Against Property presents a viable solution for individuals looking to tap into their real estate assets without losing ownership. At Credit Dharma, we make this possible by offering lowest guaranteed Loan Against Property interest rates that keep your monthly payments manageable, allowing you to enjoy more of what truly matters.

But that is not it. We offer:

  • Guaranteed up to 100% funding
  • Receive lifetime assistance and expert guidance long after your loan is approved.
  • Enjoy a fully digital process with minimal paperwork 
  • Get your loan approved within just 1-2 weeks.

Frequently Asked Questions

What is the minimum payment history required on my existing home loan to apply for a top-up loan with HDFC Bank?

A minimum of 12 months of payment on your existing home loan is required. This allows our legal and technical experts to ensure that you are comfortably able to repay your home loan EMIs.

Can I avail of a top-up loan along with a balance transfer?

Yes, you can avail of a top-up loan when you transfer your existing home loan to HDFC.

How much top-up is allowed with a home loan?

 The top-up amount typically depends on the repayment history, the outstanding loan amount, and the property value. HDFC evaluates these factors to determine the permissible top-up amount.

How long does it take to process a home loan top-up application?

The processing time for a home loan top-up application is usually quick, provided all necessary documents are submitted.

What is the repayment tenure for a home loan top-up?

The repayment tenure for a home loan top-up can extend up to 15 years or till your retirement age, whichever is earlier.

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