Name: Home Loan Top Up Loan
Brand: L&T Finance
Price: ₹ 3 Lakh* to ₹ 7 Crore INR
Availability: InStock

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.

Home Loan for Apartments
Plot Plus Construction
Home Loan for Self Construction
Home Improvement

Features & Benefits
EMI Calculator
Documentation & Eligibility
Fees & Charges
Frequently Asked Questions

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

L&T Finance 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

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

Preferred loan amount

₹

₹20,00,000

₹10,00,00,000

Interest rate (per annum)

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

Eligibility

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

Documents

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

Income Proof

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

Seamless Loans, Simplified Experience

Download the Planet app for a one stop loan solution with effortless management at your fingertips. Learn More

FAQs & Support

View all

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 L&T Finance 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. L&T Finance 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 L&T Finance 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 L&T Finance website.

Explore all FAQs

Testimonials

Housing Loan

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

Yadika Hussain

Mumbai

Housing Loan

As a 2nd generation entrepreneur, expanding my PVD coating business was easy with L&T Finance. 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

Business Loan

As a steel and aluminum trader, I needed constant capital post-COVID. L&T Finance'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

Housing Loan

L&T Finance 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

Housing Loan

Choosing L&T Finance 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

Housing Loan

I was looking to buy a property and L&T finance Housing Loans stepped in forward to cater to all my demands, the ease of the documentation processes and their commitment to provide disbursement at the earliest. Whatever I asked, the team was there support at every step to get me through.

Mr. Sharad Pandey

Captain, Merchant Navy

Housing Loan

The process of applying L&T Finance Housing loans was a very easy and seamless process. And the credit goes to L&T Finance's entire Housing loan team. They have been extremely helpful & quick response. A very transparent process, the best of the market rates and quick disbursement.

Amit Chaturvedi

Powai, Mumbai

SME

The special aspects of L&T Finance SME Loans are their faster turn around time, minimal documentation. I had a very good experience with L&T Finance SME Loans and I recommended it to a lot of my Doctor friends who have equally benefitted.

Dr. Hrishikesh Chevle

Pathologist, Alpine Diagnostics

Personal Loan

I was aware of L&T Finance Consumer Loans, as I have already benefited from their services in the past. They had even clarified my doubts about T&C and loan process by calling me up at my convenient time. Because of such good support, I decided to take loan again from L&T Finance Personal Loans.

Chirag Mehta

Ahmedabad, Gujarat

Personal Loan

I spotted an L&T Finance Consumer Loans ad and applied. After my verification call, my request for loan was approved and the loan amount was transferred in the following 24 hours. L&T Finance Personal Loans provided me timely, financial help.