SBI Home Top-Up Loan 2025 is a simple way to get additional funds on your existing SBI home loan without going through the entire loan approval process again. This facility is perfect for house renovation, education, wedding expenses, medical emergencies, or even business needs. With lower interest rates compared to personal loans, flexible repayment, and quick approval, SBI Top-Up Loan has become one of the most popular options among existing borrowers in India and abroad.
Available for existing SBI home loan borrowers with good repayment history.
For NRIs having SBI home loans in India, extra funds at concessional rates.
Special interest rate concessions for female borrowers.
Transfer your existing loan from another bank to SBI and avail top-up benefits.
Perfect for home repairs, upgrades, and modernization projects.
Parents can fund children’s higher education expenses easily.
Additional funds to grow small businesses or startups.
Meet big-ticket expenses during family functions.
Instant funds for urgent healthcare needs.
For energy-efficient renovations, solar panels, and eco-projects.
Estimate your monthly repayment using the interactive EMI calculator below.
Up to 15 years, depending on existing home loan tenure.
Yes, NRIs with SBI home loans in India are eligible.
Not always, if the existing loan has sufficient margin and repayment record.
Usually starts from ₹1 lakh onwards, based on eligibility.
This page is for informational purposes only. SBI Top-Up Loan terms, interest rates, and eligibility may change as per bank policy. We are not affiliated with SBI. Applicants must check official SBI website or consult a financial advisor before applying. No guarantees of approval are provided here.