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Introduction

All customers with an existing Home Loan, Home Improvement Loan or a Home Extension Loan can apply for a Top Up Loan.

Boost your home with a top-up loan.

Get a top-up home loan on your existing home loan or choose a balance transfer option with a top-up facility.

Owning a home requires constant maintenance. From makeovers, renovations, space extensions and more, you need to ensure that your home runs in pristine condition. But to do those changes require additional finance. To refurbish your home, you can choose a top-up home loan over your home extension loan, home improvement loan or home loan from ICICI Bank and other empaneled lending partners. You could also use a top-up loan to fund immediate business or personal expenses.

  • Loan Calculator

  • EMI Comparison calculator

LOAN AMOUNT

INTEREST RATE

LOAN TERM (Years)

Existing Loan

LOAN AMOUNT

INTEREST RATE

LOAN TERM (Years)

Balance Transfer Loan

LOAN AMOUNT

INTEREST RATE

LOAN TERM (Years)

Emi Savings
Total Interest Savings
Total Payment Savings
Existing Loan
Balance Transfer Loan

Features & Benefits

Home loan documents

TOP-UP HOME LOAN – EXCLUSIVE FEATURES

  • High-value loan amount
  • Extended Loan Repayment Tenure of up to 20 years
  • Simplified documentation and instant disbursal
  • Speedy loan processing with overdraft facility
  • Attractive interest rates on the Top-Up amount
  • Top Up Loan Interest Rate would be 0.20 – 0.35 higher than your existing home loan interest rate as per the lender terms & conditions
Home loan documents

TOP-UP HOME LOAN – PRIME BENEFITS

  • EMI restructuring as required
  • Online loan application facility
  • No restriction on the end use of the loan amount
  • Tax deduction of up to Rs. 200,000 on the Top-Up Loan interest under Section 24
  • Foreclosure and part-prepayment facilities

Eligibility Criteria

New car loan
Pay your existing Home Loan EMIs for 12 consecutive months to be eligible for Top-Up Loans
New car loan
Tenure depends on customer’s profile, age of customer at maturity of loan, age of property at loan maturity and other terms based on prevalent norms
New car loan
You may also apply for the Top-Up facility basis the last 12 months' track record of the Top-up Loan being refinanced from another institution, subject to possession/completion of the property.

*Processing Fees and Charges applicable as per Lender terms & Condition.

Loan for Personal & Business Needs

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Loans for a variety of personal or professional needs (other than for speculative purposes)
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Loans for existing customers as well as new customers availing of our Balance Transfer Facility
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Loan can be used for many purpose such as Educational Fees, Medical Expenses, Travel, buying dream car, Debt Consolidation etc
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Attractive interest rates
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Easy and hassle free documentation

FAQs

You can apply for a Top-Up Home Loan online through your Home Loan account or by visiting the branch of the ICICI Bank from where you availed your original Home Loan. You may also contact us on our customer service helpline.

Salaried individuals and self-employed professionals repaying an existing Home Loan, Home Extension Loan or Home Improvement can apply for this loan. Such applicants should have a good track record of repaying their existing loan over the last 12 months. You may apply for the Top-up Home loan as a new customer of a Balance Transfer Home Loan

When your Top-Up Loan request is approved, your existing Home Loan account is closed and a new loan account is generated for you. You can see your new outstanding loan amount and amortisation table, revised EMI and tenure etc., in the new account.

Your old loan agreement is cancelled and you have to sign a new agreement containing details of the previously unpaid loan amount + the Top-Up loan amount.

Yes, since a Top-Up Loan is treated as a new loan, with new terms and conditions of repayment, you are required to pay a fresh loan processing fee for your Top-Up Home Loan.

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