Home Top Up -Personal Loan

SBI Offeres Home Top up Loans to the existing home loan customers to meet their various personal needs.However, the loan amount should not be used for speculative purposes.The interest rate on Home TOP up loan is very competitive.

  • Low Interest Rates
  • Low Processing Fee
  • No Hidden Charges
  • No Pre Payment Penalty
  • Interest charges on Daily Reducing Balance
  • Home Loan Available as Overdraft
  • Repayment up to 30 years
  • Resident Type: Resident Indian & NRI
  • Minimum Age: 18 years
  • Maximum Age: 70 years
  • Loan Tenure: up to 30 years.
  • Loan Amount: Click Here

List of papers/ documents applicable to all applicants:

  • Loan Application: Completed loan application form duly filled in affixed with passport size photographs.

In case of KYC compliant Saving Bank accounts:

  • No fresh KYC document is required.
  • Address proof to be provided in case of change of address.
  • PAN to be provided in case of non-availability of PAN in Bank’s record.

In case of KYC non-compliant Saving Bank accounts:

  • Proof of Identity (Anyone): PAN/ Passport/ Driver’s License/ Voter ID card.
  • Proof of Residence/ Address (Anyone): Recent copy of Telephone Bill/ Electricity Bill/Water Bill/ Piped Gas Bill or copy of Passport/ Driving License/ Aadhar Card.

For guarantor (wherever applicable):

  • Personal Assets and Liabilities Statement
  • 2 passport size photographs
  • Proof of identification as above
  • Proof of residence as above
  • Proof of business address as above
  • Signature identification from his/her present bankers

Additional documents required for salaried persons:

  • Original Salary Certificate from employer
  • TDS certificate on Form 16 or copy of IT Returns for last two financial years, duly acknowledged by IT Deptt.

Additional documents required for Professionals/self- employed/ other IT assesses:

  • Acknowledged copies of three years I.T. returns/ Assessment Orders.
  • Photocopies of challans evidencing payment of Advance Income Tax

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