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Home Loan Top Up help you achieve personal or professional milestones, be it home renovation, weddings, business expansion, or debt consolidation. With competitive interest rates, tenures up to 20 years and flexible repayment, our top up loans are designed for your needs. Enjoy quick sanction, hassle-free disbursal, and minimal documentation, so you can focus on making your dreams a reality.

Low Rate of Interest

Enjoy a low interest rate on home loan top up starting from 9.55%*

Customised Loans

Personalized Loan offerings starting from ₹ 3 Lakhs* to ₹ 7 Crores*

Diverse Use of Funds

Use funds for business expansion, marriage, vacation and more

Adjustable Loan Tenure

Aadhar Cash Home Loan Top Up offers a tenure up to 20 Years

Flexible Repayment

Customise your repayment schedule to fit your financial needs

Paperless Journey

Take advantage of digitised applications and paperless loan process

emi-calculator

EMI Calculator

Results generated by the calculator(s) are indicative in nature.

Preferred loan amount

₹
₹3,00,000
₹7,00,00,000

Interest rate (per annum)

%
9.55%
13%

Loan tenure (months)

36 months
240 months

Estimated EMI

per month
  • ₹ 36,690

  • Interest payable

    ₹52,41, 690
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Eligibility & Documents

Residency:

Indian resident

Age:

Salaried: 23 years to 70 years
Self-employed: 25 years to 70 years

Profession:

Salaried / self-employed professionals and non-professionals

Other:

Can be increased by adding co-applicant income or other verifiable income sources

Age Proof

Aadhaar Card | PAN Card | Passport

Address Proof

Utility bills (not older than 2 months | Aadhaar Card | Driving License | Passport | Voter ID etc

Photo ID Proof

PAN and any one of the following- Aadhaar Card | Driving License | Passport | Voter ID | Job card by NREGA | Letter issued by the National Population Register containing details of name and address

Income Proof

Income proofs vary for different professionals across salaried, non-salaried and self-employed. List of required income documents

Fees And Charges

List of all fees and charges for Home Loan Top Up

How to Apply

Apply for Home Loan Top Up with these steps

FAQs & Support

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What is a Home Loan Top Up?

Home Loan top up is an additional loan that you can avail on your existing Home loan. Top up funds can be further utilised for personal expenses, home renovation, debt consolidation or any other requirements. It is secured against your property with competitive interest rates and flexible repayment options.

Who can avail of a Home Loan Top Up?

Any individual with an existing Home Loan with Aadhar Cash and meets eligibility criteria, such as having a good credit score, regular income and consistent repayment history on the current loan(s), can apply for a Top Up Loan.

What security will I have to provide for a Home Loan Top Up?

The property against which your original Home Loan was taken serves as security for the top-up. Aadhar Cash will continue to hold a lien on your property until the loan is repaid.

Can I avail of a Home Loan Top Up along with a balance transfer loan?

Yes, you can transfer your Home Loan to Aadhar Cash and apply for top up. Depending on your Home loan balance, property value, and income you can avail top-up for upto ₹ 7 Crore*.

How much of a Top up Home Loan can I get?

The amount you can borrow under a Top Up Loan starts from ₹ 3 lakh* to ₹ 7 Crore* depends on factors such as your outstanding loan balance, property value, and income. Check your eligibility by using calculator on Aadhar Cash website.

Explore all FAQs

Testimonials

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Housing Loan

Buying a home in Mumbai was always a dream of mine, and Aadhar Cash has made this dream come true. They offered competitive interest rate, quick approval with easy documentation. I would highly recommend Aadhar Cash to anyone looking for a reliable home loan provider.

Yadika Hussain

Mumbai

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Housing Loan

As a 2nd generation entrepreneur, expanding my PVD coating business was easy with Aadhar Cash. The process was fast, smooth, with minimal paperwork and the best interest rates. Thanks to PLANET, I can make part payments and withdrawals with ease. They've provided full funding for my growth.

Harsh Gosalia

Pune, Maharashtra

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Business Loan

As a steel and aluminum trader, I needed constant capital post-COVID. Aadhar Cash's DLOD service impressed me with a seamless, fully digital process. Their executive guided me well, leading to a swift sanction. The competitive interest rate & round the clock transaction facility were game-changers for my business.

Jignesh Solanki

Mumbai

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Housing Loan

Aadhar Cash made my homeownership and business growth easier! After taking a home loan with another bank, I needed additional funds to expand my business. L&T offered a quick response, pre-approval, & a streamlined process with minimal paperwork. Plus, I received lower interest rate & maximum funding!

Amol Hirawadekar

Mumbai

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Housing Loan

Choosing Aadhar Cash for our home loan was seamless. The team was supportive, with transparent documentation, quick responses, and competitive rates. Their efficient process made our home-buying journey smooth, and the L&T Emerald’s location, amenities, and security make it the perfect choice for our family.

Amit Chaturvedi

Mumbai, Maharashtra