Hi, I first came to know about this top-up loan feature from my friend, and found that HDFC personal loan top up interest rate actually starts from 10.90% p.a. But it can be higher depending on a few factors. I availed this loan over my personal loan last year, and the major benefit here is you get instant approval with little to no documentation. This makes it relatively easier and quicker than personal loans.
What are the HDFC Bank Personal Loan Top Up Interest Rates?
You can apply for a top-up loan if you have completed a minimum of 6 months EMIs payment on your existing personal loan. You should also have a good credit score. The interest rates usually range between 10.90% to 24%. The processing fee is Rs. 6,500 + GST.
The documentation process is also not very lengthy and includes the following.
Identity proof and address proof which should include a copy of your passport/voter’s ID/driving license/Aadhaar card.
Your bank statement of salary account for the last 3 months. For a passbook, it should be for 6 months.
2 month's salary slip
Another good part is an instant disbursement of the top-up loan. Since you’ve already taken a personal loan from HDFC, it gets approved within a few hours. If you’ve a pre-approved offer, then you can get the funds within 10 seconds.
That’s all about the top-up personal loan. I hope it gives you clarity.
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What is HDFC Personal Loan Top Up Interest Rate?
Fyodor
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10 months
2025-03-25T10:11:58+00:00 2025-03-25T10:11:59+00:00Comment
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