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Personal, home, vehicle & other loans

Home Top Up Loan

A personal-purpose top-up for eligible existing home-loan customers, available as a term loan or overdraft for non-speculative needs and for up to 30 years.

Home Top Up interest rateTop Up Loan: 7.75%–10.50%; Top Up (OD) Loan: 8.25%–11.00%. SBI 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.'.Maximum tenureUp to 30 yearsLoan tenureRepayment up to 30 years
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Quick eligibility check

Home Top Up Loan

0 of 5 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Does your annual income meet this requirement: the top-up page limits access to eligible home-loan customers and gives no salary or annual-income floor?

Published source: Minimum income

2Does your age meet this requirement: Resident Indian and NRI customers aged 18 to 70 may be considered?

3Document checkDo you have this required document or proof: Application and KYC?

Published source: Minimum income

4Document checkDo you have at least one of these required documents: Income-tax or salary evidence?

Published source: Minimum income

5Document checkDo you have this required document or proof: Bank statements and existing home-loan records?

Published source: Minimum income
0 of 5 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 6 Oct 2026 · active
Offered byState Bank of India

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

PurposePersonal needs other than speculative purposesView source
Published for existing home-loan customers.
Source
Home Top Up Loan
Page / section
Introduction and Features
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Maximum tenureUp to 30 yearsView source
Actual tenure depends on age and residual home-loan conditions.
Source
Home Top Up Loan
Page / section
Features and Eligibility
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Processing fee0.35% of loan amount; ₹5,000–₹15,000 for salaried and ₹5,000–₹18,000 for non-salaried customers, plus GSTView source
Current fee card reviewed 13 August 2026.
Source
Home Loans Processing Fee
Page / section
Home Loan and Top Up
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Conversion, switchover and revalidation chargesTerm Loan to Maxgain or Maxgain to Term Loan conversion: ₹5,000 plus GST. Switchover from MCLR, SBAR or Base Rate to EBLR: ₹5,000 plus GST. Loan revalidation: ₹5,000 plus GST.Effective 1 Apr 2026View source
Every separately listed service charge and applicable benchmark family is retained.
Source
Home Loans — Processing Fee Card Rates
Page / section
Page 1 — Conversion and revalidation charges
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNo pre-payment penaltyView source
The product features list 'No Pre Payment Penalty'.
Source
Home Top Up — official product page
Page / section
Features
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Loan typeHome loanView source
The official product name identifies this as “ Home Top Up Loan”.
Source
Home Top Up Loan — official product page
Page / section
Official product name and loan classification
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
BenchmarkSBI home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current EBLR reference is 7.90% + CRP + BSP (effective 15 December 2025); the borrower- and product-specific CRP/BSP is set under SBI's current card-rate terms. SBI's home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.Effective 15 Dec 2025View source
The page publishes 7.90% + + , while the Home Loans portal explains that a change in the repo benchmark changes the home/home-related loan rate. No separate / is published for each variant on the reviewed catalogue.
Source
External Benchmark based Lending Rate and Home Loans portal
Page / section
/ effective from 15 December 2025; Home Loans portal — Important Notification
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Loan tenureRepayment up to 30 yearsView source
The page lists 'Repayment up to 30 years' and 'Loan Tenure: up to 30 years'.
Source
Home Top Up — official product page
Page / section
Features and Eligibility
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Home Top Up interest rateTop Up Loan: 7.75%–10.50%; Top Up (OD) Loan: 8.25%–11.00%. SBI 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.'.Effective 20 May 2026View source
The card prints separate Top Up Loan and Top Up () Loan ranges and a 10 bps premium for non-salaried customers with CIBIL below 825 on Home Top Up Loans.
Source
Home and Home Related Loan Interest Rate Card
Page / section
Top Up Loan and Top Up () Loan rows; non-salaried-customer footnote
Accessed
6 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Term-loan or overdraft option
  • No prepayment penalty
  • Daily-reducing balance
  • Up to 30 years

Eligibility

  • Resident Indian and customers aged 18 to 70 may be considered.
  • Availability depends on the existing home loan and underwriting.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Application and
  • Income-tax or salary evidence
  • Bank statements and existing home-loan records

Related official documents

SBI Home Loans — benchmark and EBLR referencesofficial-product-page-and-rate-page · current · accessed 29 Aug 2026
↗
SBI Home Loans — Current Product Catalogue and Product Pagesofficial-product-catalogue · current · accessed 13 Aug 2026
↗
SBI Home and Home Related Loan Interest Rate Cardofficial-rate-card · current · accessed 6 Oct 2026
↗
SBI Home Loan & Top Up — Processing Fee Cardofficial-fee-card-pdf · current · accessed 6 Oct 2026
↗
SBI Home Loans — Processing Fee Card Ratesofficial-fee-pdf · current · accessed 13 Aug 2026
↗
SBI home-loan variants — current rate and fee sources reviewedofficial-rate-and-fee-review · current · accessed 29 Aug 2026
↗
SBI Home Loan variant interest-rate referenceofficial-interest-rate-page · reference · accessed 8 Sept 2026
↗
SBI Home Top Up — official product pageofficial-product-page · current · accessed 29 Aug 2026
↗
SBI Home Top Up — official product pageofficial-product-page · current · accessed 29 Aug 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹20,524twenty thousand five hundred twenty-four rupees
Interest paid over the full loan₹24,25,691twenty-four lakh twenty-five thousand six hundred ninety-one rupees
Everything you repay₹49,25,691forty-nine lakh twenty-five thousand six hundred ninety-one rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

· Published value7.90% + +

This value is copied from home-loan benchmark reference. Check the table notes before relying on it.

Source: External Benchmark based Lending Rate and Home Loans Interest Rates · / table; Home Loan Card Interest Rates Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 2 rows · 4 columnsSBI home-loan benchmark referenceThe current published external-benchmark formula and the home-loan portal's repo-reset explanation.View tableHide table

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SBI home-loan benchmark reference
ReferencePublished valueEffective dateHow it applies
7.90% + + 15 December 2025Product and borrower pricing adds the published credit-risk and business-strategy spreads; repo changes can change the account rate.
Home-loan card rate7.25% p.a. onwards1 April 2026Advertised starting rate; the reviewed page does not disclose each product's / breakdown.
  • The benchmark and advertised starting rate are different fields; the starting card rate is not treated as a universal rate for every borrower or variant.
External Benchmark based Lending Rate and Home Loans Interest Rates · / table; Home Loan Card Interest Rates · effective 15 Dec 2025 · accessed 29 Aug 2026Open official source ↗
Table 2 · 8 rows · 4 columnsSBI home-loan variants — published rate routeProduct-page review of how each variant publishes pricing.View tableHide table

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SBI home-loan variants — published rate route
ProductPublished pricing detailSeparate numeric rate on product pageSeparate
Combo Home LoanLive Home Loan card-rate linkNoNo
Home LoanLive Home Loan card-rate linkNoNo
Repair and RenovationLive Home Loan card-rate linkNoNo
Home Top UpCompetitive rate; live card-rate linkNoNo
2.0Live Home Loan card-rate linkNoNo
Reverse MortgageLive Home Loan card-rate linkNoNo
Tribal PlusLive Home Loan card-rate linkNoNo
Aashray + 10 bps based on ; live card-rate linkStarting formula onlyNo
  • The table records the issuer's publication route; it does not substitute another product's card rate.
Home Loans — official product pages · Interest Rates & Fees / Card Rates · accessed 29 Aug 2026Open official source ↗
Table 3 · 14 rows · 6 columnsSBI home-loan variants — published values and checked gapsA compact audit table showing what the current official pages publish for the previously sparse comparison cells.View tableHide table

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SBI home-loan variants — published values and checked gaps
VariantMinimum incomeMaximum amountTenureProcessing fee
General Home LoanNot published separatelyNo rupee threshold publishedNo fixed cap on page; online eligibility linkUp to 30 years0.35%; ₹5,000–₹15,000 salaried / ₹5,000–₹18,000 non-salaried +
Balance TransferNot published separatelyNo rupee threshold publishedNo fixed cap on page; online eligibility linkExtended tenure stated; numeric term not published0.35%; ₹5,000–₹15,000 salaried / ₹5,000–₹18,000 non-salaried +
FlexipayNot published separatelySalaried route; no rupee thresholdNo fixed cap on page; online eligibility linkUp to 30 years0.35%; ₹5,000–₹15,000 salaried +
PrivilegeNot published separatelyEligible public-sector employees; no rupee thresholdNo fixed cap on pageUp to 30 yearsNil; other out-of-pocket costs at actuals
ShauryaNot published separatelyEligible Defence personnel; no rupee thresholdNo fixed cap on pageUp to 30 yearsNil; other out-of-pocket costs at actuals
Pre-Approved Home LoanNot published separatelyPre-approved route; no rupee thresholdNo fixed cap on page; offer routeUp to 30 years0.35%; current card caps +
RealtyNot published separatelyNo rupee threshold publishedUp to ₹15 croreOverview 15 years; eligibility says up to 10 years0.35%; current card caps +
Non-SalariedNot published separatelyTax/business records; no rupee threshold₹20 lakh–₹50 crore range stated in product summaryUp to 30 years0.35%; non-salaried cap ₹18,000 +
Home Top UpNot published separatelyExisting-loan route; no rupee thresholdNo fixed cap on page; online eligibility linkUp to 30 years0.35%; current card caps +
Tribal PlusNot published separatelyNo rupee threshold published₹30 lakh salaried / ₹20 lakh non-salariedUp to 15 years0.35%; current card caps +
Reverse MortgageNot published separatelyProperty/age route; no income floor₹2 crore specified centres / ₹1.50 crore elsewhere10–20 years0.35%; ₹3,000–₹12,000 +
Home LoanNot published separatelyNo rupee threshold publishedNo fixed cap on pageUp to 30 yearsPage links current card; no product-specific fee shown
Combo Home LoanNot published separatelyNo rupee threshold publishedNo fixed cap on page; online eligibility linkUp to 30 years0.35%; current card caps +
Repair and RenovationNot published separatelyNo rupee threshold publishedUp to ₹1 croreUp to 20 years0.35%; current card caps +
  • Not published means the named product page and the linked current rate/fee source were reviewed and did not state that product-specific value; it is not an inferred estimate.
  • The column is intentionally separate from published interest/card-rate figures.
  • Realty retains the page's conflicting 15-year overview and 10-year eligibility statements.
  • The processing-fee was read as a complete one-page table; fee applicability is not extended to where the page does not identify a product-specific fee.
home-loan current rate page, product pages and Processing Fee Card Rates · Current home-loan rate page; individual variant pages; Processing-Fee-Card-Rates.pdf page 1 · effective 1 Apr 2026 · accessed 29 Aug 2026Open official source ↗
Table 4 · 8 rows · 4 columnsSBI home-loan variant limits and termsPublished limits, tenure and prepayment statements transcribed from each official variant page.View tableHide table

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SBI home-loan variant limits and terms
VariantPublished limitPublished tenurePrepayment statement
Combo Home LoanLoan amount linked to card-rate/application route; no numeric cap shownUp to 30 yearsNo pre-payment penalty
Home Top UpLoan amount linked to card-rate/application route; no numeric cap shownUp to 30 yearsNo pre-payment penalty
Repair and RenovationUp to ₹1 croreUp to 20 yearsNo pre-payment penalty
2.0Loan up to ₹25 lakh; project cost up to ₹35 lakhNot stated on reviewed pageRegular scheme terms; no separate prepayment statement shown
Tribal Plus₹30 lakh salaried; ₹20 lakh non-salariedUp to 15 yearsNo pre-payment penalty
Home LoanNo numeric cap shown; application route linkedUp to 30 yearsNo pre-payment penalty
Reverse Mortgage₹2 crore at specified centres; ₹1.50 crore elsewhere10–20 years depending on ageNo pre-payment penalty
Pre-Approved Home LoanLoan amount linked to card-rate/application route; no numeric cap shownUp to 30 yearsNo pre-payment penalty
  • The pages link to card-rate and application pages for several variants but do not show a numeric product cap; those cells remain explicitly not stated rather than inferred.
Home Loans official variant pages · Individual product pages — Features, Eligibility and Interest Rates & Fees · accessed 29 Aug 2026Open official source ↗
Table 5 · 5 rows · 4 columnsSBI home-loan variant rate reference by productDated 1 April 2024 perquisite-valuation schedule; ranges cover the published CIBIL rows.View tableHide table

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SBI home-loan variant rate reference by product
VariantTerm-loan rate rangeOther published rateAdjustment or note
Combo Home Loan9.15%–10.15% p.a.—Regular home-loan table
Repair and Renovation Home Loan9.15%–10.15% p.a.—Regular home-loan table
Commercial Real Estate Home Loan9.35%–10.35% p.a.—20 bps premium over regular term loan
Tribal Plus Home Loan9.25%–10.25% p.a.—10 bps premium over regular term loan
Home Top Up Loan9.55%–10.25% p.a.Overdraft 9.85%–10.55% p.a.-band rows; rate must not be below underlying home loan
  • The source labels this schedule as interest rates for perquisite valuation on 1 April 2024, not a live application quote.
  • The current card rate, and borrower-specific spread should be confirmed with before applying.
  • Home-loan sanctions below CIBIL 550 are marked not eligible in the source schedule.
Home Loan variant interest-rate reference · for REH products w.e.f. 01.04.2024 · effective 1 Apr 2024 · accessed 8 Sept 2026Open official source ↗
Table 6 · 10 rows · 2 columnsSBI Home Loan & Top Up — processing-fee cardComplete transcription of the official one-page fee card. It displays no effective date; values are shown as printed, including applicant-type caps, named scheme waivers, taxes and service charges.View tableHide table

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SBI Home Loan & Top Up — processing-fee card
Product / applicantProcessing fee
Home Loan & Top Up — salaried customer0.35% of loan amount; minimum ₹5,000 and maximum ₹15,000; plus
Home Loan & Top Up — non-salaried customer0.35% of loan amount; minimum ₹5,000 and maximum ₹18,000; plus
Loan against Property ()1% of loan amount; maximum ₹50,000; plus applicable
Reverse Mortgage loan0.35% of loan amount; minimum ₹3,000 and maximum ₹12,000; plus
Insta Home Top up loan₹3,000 plus
Suraksha LoanNil
Privilege & Shaurya Home LoansNil
Processing fee for conversion from Term loan to Maxgain and vice versa₹5,000 plus
Processing fee switchover from / SBAR / Base Rate to regime₹5,000 plus
Processing Fee for Revalidation of Loans₹5,000 plus
  • The complete one-page was re-downloaded, hashed and visually checked on 6 October 2026. Its metadata shows creation on 1 April 2026, but the page itself prints no effective date; no effective date is asserted here.
  • Only the ten rows printed on this card are included. Scheme-specific rows not present on this page are not attributed to this source. wording follows the card.
Home Loan & Top Up — Processing Fee Card · page 1 — complete PROCESSING FEE table, all 10 rows · accessed 6 Oct 2026Open official source ↗
Table 7 · 7 rows · 2 columnsSBI Home & Home-Related Loan Interest Rate CardAll seven product rows from SBI's image rate card effective 20 May 2026, transcribed with the card's benchmark, CIBIL and non-salaried-customer notes.View tableHide table

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SBI Home & Home-Related Loan Interest Rate Card
Loan product / modePublished rate (%)
Home Loan (TL)7.25%–8.55%
Home Loan Maxgain ()7.75%–9.05%
Top Up Loan7.75%–10.50%
Top Up () Loan8.25%–11.00%
Loan Against Property ()8.95%–10.50%
Reverse Mortgage Loan (RML)10.30%
Insta Home Top up Loan8.10%
  • The card says all home loans are linked to and displays prevailing as 7.90%.
  • It adds 10 basis points for non-salaried customers with CIBIL score below 825 on Home Loans and Home Top Up Loans; it says rates are based on score and terms and conditions apply.
  • The image labels its effective date as 20.05.2026. It does not print '% p.a.' beside the listed rate values.
Home and Home Related Loan Interest Rate Card · Entire 813 × 597 image — all 7 product rows, note and footnotes · effective 20 May 2026 · accessed 6 Oct 2026Open official source ↗

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