Personal, home, vehicle & other loans

Insta Home Top Up

A paperless 24×7 digital home-loan top-up for pre-selected customers, with instant disbursement for eligible non-speculative personal needs.

YONO Insta Home Top Up interest rate8.10% on SBI's current YONO Insta Home Top Up rate-card row; the card does not print '% p.a.'.Maximum amountThe 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 SBI terms page; the lower applicable amount controls. Total top-up exposure without extending the mortgage cannot exceed ₹8 lakh.Processing fee₹3,000 plus applicable GST, deducted from the loan amount before disbursement.

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✓ 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.

DeliveryFully digital, paperless journey through YONO with instant disbursement for eligible customersView source

The page states no paperwork or branch visit and 24×7 availability.

Source: Insta Home Top Up
Page / section: Features
Accessed: 13 Aug 2026
Confidence: high

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EligibilityExisting SBI home-loan customer pre-selected in YONO: minimum home-loan limit ₹10 lakh; at least 3 years of residual home-loan tenure; home-loan account with no more than 2 borrowers; 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 NPA status below RG-2; CIBIL score 650 or above; repayment through standing instruction/ECS/NACH from an SBI savings account under the same CIF.View source

The page lists nine pre-selection conditions: ₹10 lakh minimum home-loan limit; 3 years residual tenure; up to two borrowers; one-year satisfactory track record and full disbursement; no active competing top-up; status below RG-2; CIBIL 650 or above; and // repayment from an savings account under the same .

Source: Insta Home Top Up Loan (IHTL) — customer-care and terms page
Page / section: Questions 3–4 — eligibility criteria and pre-selection
Accessed: 29 Aug 2026
Confidence: high

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Processing fee₹3,000 plus applicable GST, deducted from the loan amount before disbursement.View source

The one-page fee card row states: ‘ Insta Home Top up loan — Rs. 3,000/- plus ’. The product page says the fee is deducted before disbursement.

Source: Home Loan & Top Up — Processing Fee Card
Page / section: Page 1 — Insta Home Top up loan
Accessed: 29 Aug 2026
Confidence: high

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Loan typeDigital home top-up loan for personal purposesView source

The official title calls it Insta Home Top Up and the description calls it a top-up loan for personal purposes.

Source: Insta Home Top Up — official product page
Page / section: Product title and description
Accessed: 29 Aug 2026
Confidence: high

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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

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Maximum amountThe 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 SBI terms page; the lower applicable amount controls. Total top-up exposure without extending the mortgage cannot exceed ₹8 lakh.View source

The page states: ‘8% of home-loan limit; minimum ₹0.50 lakh; maximum ₹8.00 lakh (whichever is lower)’ and separately caps aggregate top-up loans without extending the mortgage at ₹8 lakh.

Source: Insta Home Top Up Loan (IHTL) — customer-care and terms page
Page / section: Questions 7–10 — loan amount and aggregate top-up limit
Accessed: 29 Aug 2026
Confidence: high

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Prepayment / foreclosureNo prepayment penalty is charged under this scheme.View source

published answer to the pre-payment question states that the loan may be paid at any time without a pre-payment penalty.

Source: Insta Home Top Up Loan (IHTL) — customer-care and terms page
Page / section: Question 16 — pre-payment
Accessed: 29 Aug 2026
Confidence: high

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Facility typeOverdraft facilityView source

The current feature list explicitly says ‘Available as Overdraft’.

Source: Insta Home Top Up — official product page
Page / section: Features
Accessed: 29 Aug 2026
Confidence: high

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Permitted purposePersonal purposes; speculation is excluded.View source

The feature list states it can be used for any purpose other than speculation.

Source: Insta Home Top Up — official product page
Page / section: Features
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

Documents requiredNo documents required for the pre-selected, fully digital YONO route.View source

The current product page displays ‘No documents required’ beneath the eligibility and fee sections.

Source: Insta Home Top Up — official product page
Page / section: Documents Required
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

YONO Insta Home Top Up interest rate8.10% on SBI's current YONO Insta Home Top Up rate-card row; the card does not print '% p.a.'.Effective 20 May 2026View source

The card lists Insta Home Top up Loan at 8.10% effective 20.05.2026. This current scheme row supersedes the 7.25% starting figure taken from an older perquisite-valuation schedule.

Source: Home and Home Related Loan Interest Rate Card
Page / section: Insta Home Top up Loan row; and effective-date notes
Accessed: 6 Oct 2026
Confidence: high

Open official source ↗

Benefits and features

Fully digital journey
No documents or branch visit
24×7 availability
Instant disbursement for eligible offers

Eligibility

Only pre-selected existing customers with a qualifying repayment and credit profile receive the facility.

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

Documents the bank lists

No documents stated as required for the eligible digital journey

Try the numbers

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Loan repayment estimate

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

Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹21,067twenty-one thousand sixty-seven rupees

Interest paid over the full loan₹25,56,046twenty-five lakh fifty-six thousand forty-six rupees

Everything you repay₹50,56,046fifty lakh fifty-six thousand forty-six 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.

TableReferenceChoose column

· 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