Top Up () Loan: 8.25%–11.00%. adds 10 basis points for non-salaried customers with CIBIL score below 825 on Home Top Up Loans. The card does not print '% p.a.'.
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home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025)
the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.
Value awaiting review
Up to 30 years
Value awaiting review
Value awaiting review
0.35% of loan amount
₹5,000–₹15,000 for salaried and ₹5,000–₹18,000 for non-salaried customers, plus
home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025)
the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.
The offered amount is tied to 8% of the existing home-loan limit, subject to a ₹50,000 minimum and ₹8 lakh maximum, as stated on the terms page
the lower applicable amount controls. Total top-up exposure without extending the mortgage cannot exceed ₹8 lakh.
fully disbursed loan with at least 1 year of satisfactory track record and an equitable mortgage of the primary security
no active Home Top Up, Smart Top Up or Insta Home Top Up loan
home-loan status below RG-2
CIBIL score 650 or above
repayment through standing instruction// from an savings account under the same .
₹3,000 plus applicable , deducted from the loan amount before disbursement.
No prepayment penalty is charged under this scheme.
Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.
