SBI Home Loan Top Up

SBI Home Loan Top Up

SBI Home Top Up Loan is offered to the customers to avail a certain amount of loan over and above their home loan amount. People can opt for SBI Home Top Up Loan if they already have a home loan from the State Bank Of India, and need more funding for personal purposes or home expansion. The repayment tenure can be up to 30 years. The interest rate is also very low if you compare it with personal loans. Any salaried or self-employed Indian Citizen or NRI can apply for SBI Home Top Up Loan. However, he should have a CIBIL score of 550 or higher. You should not have any other active Insta top-up loans or home top-up loans. You can visit the nearest SBI branch to avail hassle-free top-up loans. SBI home loans are the preferred choice of millions as it comes to you with trust and transparency embedded in the tradition of the State Bank of India.

Features of SBI Home Top Up Loan

  • Competitive interest rate and easy payment in installments 
  • Easy documentation 
  • Quick disbursement of loans
  • Lowest processing charges
  • No prepayment charges
  • No hidden charges, complete transparency in operations
  • Repayment tenure up to 30 years
  • Interest calculation on daily reducing balance
  • Loan available as overdraft
  • The interest rate varies as per the risk score of the borrowers.


  • The customer must be an Indian citizen or NRI
  • Minimum age 18 years and maximum age 70 years
  • CIBIL Score should be 550 or higher
  • Should have good repayment record

Documents Required for applying for SBI Home Top Up Loans.

  • Employer Identity Card
  • Properly filled application form
  • Three passport size photograph
  • Copy of Identity proof (Voter ID card/Passport/Driving license/PAN)
  • Copy of Address proof (Telephone Bills/Electricity bills/Voter ID card/Passport)
  • Proof of business address for non-salaried
  • Bank account statement for last six months
  • Signature verification by the present banker
  • Personal asset and liability statement
  • Original salary certificate from the employer(Only for salaried persons)
  • Form 16/copy of income tax returns for last two financial years/duly acknowledged by income tax department (Only for salaried persons)
  • Acknowledged copies of three years income ta returns/assessment orders (For self-employed)
  • Photocopies of challans evidencing payment of advance (for self-employed)

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