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Top Up on Personal Loan
Top-up Personal Loans offer existing Personal Loan customers the opportunity to secure additional funding beyond their present loan amounts from Axis Bank.
These Top-up Loans can be used for various personal needs, such as funding for weddings, festivities, holiday expenses, medical emergencies, property renovations, and more. This extra capital is generally available to a select group of customers who have demonstrated a consistent track record in loan repayments and have completed a predetermined number of EMI payments.
Features & Benefits of Top-up Personal Loan
Top-up on Personal Loans come with multiple features designed to enhance the borrowing experience for existing Personal Loans customers. These features make borrowing straightforward, secure, and flexible:
No security/collateral required
You don't need to provide any security or collateral to obtain a Top-up Personal Loan, ensuring a hassle-free process for you.
Simple eligibility
Top-up Loans have a simple and easy eligibility criteria. You need to have a good repayment history to qualify for additional funding.
Basic documentation
You do not need to provide any additional documents, as a Top-up loan is a type of Pre-approved Loan.
Speedy disbursal
Once your loan is approved, you'll receive the funds in your account within a few hours, giving you immediate access to the money.
Affordable repayment
You will benefit from competitive interest rates on Top-up Personal Loans, resulting in affordable repayment plans that can be customised to suit your financial situation.
Flexible repayment facility
This unique feature gives you the flexibility to manage your loan and repayments. You have the option to pay interest only on the amount used and can prepay or withdraw funds as per your requirements without any penalty.
100% transparent process
You get a completely transparent loan process, from application to disbursal, with no hidden charges or fees. It means you're fully informed about every aspect of your loan.
Online Top-up Loan application
You are at the convenience of completing the entire loan process online, from application to approval. It saves you time and simplifies how you access additional funds, making it more accessible than ever before.
Fees & Charges on Top-up Personal Loan
Fees & Charges on Top-up Personal Loan
| Type of Charges | Charges |
|---|---|
| Repayment instruction / Instrument return charges | ₹339/- per instance of dishonour of cheque /SI/ECS/NACH debit instruction + GST as applicable |
| Swap charges (cheque/instrument) | ₹500/- per instance + GST as applicable |
| Penal interest | @24% per annum i.e. 2% per month on the overdue instalment. |
| Duplicate statement issuance charges | ₹250/- per instance per set + GST as applicable. |
| Duplicate amortisation schedule issuance charges | ₹250/- per instance per set + GST as applicable. |
| Credit information companies (CICs) report issuance charges | ₹50 per instance per set + GST as applicable. |
| No Dues Certificate generation charges (duplicate) | ₹50 per instance per set + GST as applicable. |
| Stamp duty charges | As per State Stamp Act |
| Part payment/pre-payment charges | 5% + GST (as applicable) For loans disbursed 4th October, 2023 onwards: Fee for more than 36 months, 2% fee is applicable otherwise 3% |
Top-up Personal Loan eligibility criteria
You're eligible for a top-up Personal Loan if:
Documents required to apply for a top up Personal Loan
Securing a top-up loan requires minimal to no documentation, as you already have a loan with Axis Bank. Moreover, Axis Bank also provides pre-approved instant top-up Personal Loans to its current Personal Loan customers.
Already Applied? Track your application here.
Have your Application ID or PAN Card ready for a hassle-free experience.
Track NowGreat plans start with well-calculated decisions
Personal Loan EMI Calculator
A Personal Loan EMI calculator is an important tool that helps borrowers know the exact amount they are required to pay as an EMI every month to repay their Personal Loans. The online Personal Loan EMI calculator uses parameters such as loan amount, tenure and interest rate to calculate the EMI details for borrowers who have taken a Personal Loan from a bank or a financial institution or are looking for a Personal Loan.
₹
50K
40L
%
9.99% 22%
Mos
1284
Your EMI*₹ 1,14,678
Get instant funds*Equated Monthly Installment'
Note: To see amortization schedule, please click here.
Total Amount Payable
1,37,621
Personal Loan Eligibility Calculator
A personal loan eligibility calculator comes in handy when you need an instant idea of the maximum amount of loan you are eligible for. Personal loan provides you financial support when life takes an unexpected turn or when you need some extra funds to fulfill your goals and ambitions. Whether planning a wedding or giving your home a new interior, personal loan can ease your financial burden. However, checking all the boxes on the personal loan criteria is crucial to getting your application approved. These criteria determine what amount can be sanctioned to you.
That is where a personal loan eligibility calculator helps you. How, you ask? Let us understand.
You are eligible for up to
₹ 15,00,000
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Personal Loan Top-up FAQs
Axis Bank offers a Personal Loan top-up of up to ₹40 lakhs. The Top-up Loan amount is limited by the outstanding balance of your current Personal Loan or any other loans you may have.
The tenure of a Top-up Loan is not fixed; it varies based on the borrower's profile, repayment history, and other factors. A Top-up Loan may be approved for a term that extends beyond the remaining tenure of the existing Personal Loan.
The approval of your Top-up Personal Loan application depends on your ability to repay. If you have insufficient repayment capacity, your application for a Top-up Personal Loan may be denied.
The processing time for a Top-up Loan can range from a few hours to a few days.
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