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About Us

Aditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 61,600 employees, the businesses of ABCL have a nationwide reach with over 1,690 branches and more than 200,000 agents/channel partners along with several bank partners.

Nationwide Branches

1,690

No. of Employees

61,600+

Agents/Channel Partners

2,00,000+

Aggregate Assets

INR 5.53 Lakh Cr

Consolidated Lending Book

INR 1.65 Lakh Cr

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Stock & Securities

All You Need To Know About Insurance Policy

All You Need To Know About Insurance Policy

All You Need To Know About Insurance Policy

Home Loan

Find customised home loan solutions for your unique needs

Balance Transfer

Find a better interest rate for your existing home loan

Top up Home Loan

Get a loan on your existing home loan to meet your needs

Loan Against Property

Turn your assets into a financial ally

Credit Track

Discover your financial fitness - check your credit score

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Home Loan EMI Calculator

Get an estimate of your Home Loan EMI now

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Mortgage Calculator

Calculate your Loan amount for your Current property

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Home Loan Eligibility Calculator

Are you eligible for a Home Loan? Find out now!

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Home Loan Top Up

Get a quick, hassle-free loan on your existing home loan. Attractive interest rates and no restriction on usage.

Affordable interest rates
Easy application process
Borrow up to 90% of property value

Step 1

Step 2

Step 3

Finish

165+

YEARS OF EXCELLENCE

175

BRANCHES ACROSS INDIA

₹55,000+ Cr.

LOANS DISBURSED

₹31,053 Cr.

AUM AS OF MAR, 2025

Reasons to buy Top-up Home Loan with ABHFL

Flexibility in usage

No restrictions on how you utilise the top-up funds. Use it however you want it.

Competitive interest rates

Enjoy lower interest rates on top-up home loans as compared to personal loans, making them more affordable and manageable.

Customised repayment terms

Choose from a variety of repayment tenures that align with your financial situation and preferences.

Quick processing times

Experience quick and efficient loan processing to access funds promptly.

Dedicated customer service

Receive exceptional customer service throughout the top-up home loan process, from application to post-disbursement.

Debt consolidation

Consolidate multiple debts into a single top-up home loan to simplify debt management and reduce interest payments.

Get Instant Digital Sanction

Get Instant Digital Sanction for your top-up home loan applying at your convenience anytime anywhere on ABCD app.

Which Loans Are Eligible For Top-up

If you have any of the following loans, you can get a Top-up Loan on it.

Home Loan

Home Improvement Loan

Home Extension Loan

Home Construction Loan

Plot and Home Construction Loan

Who Are Eligible For Top-up?

Check your eligibility to know whether you can avail of the top-up facility.

Salaried

Self Employed Professional

Self Employed Non-Professional

Get A Top UP Home Loan In 5 Easy Steps

STEP

Check your eligibility for the top-up loan

STEP

Calculate the top-up loan amount you can get

STEP

Gather the required documents including the existing home loan documents

STEP

Read the top-up loan terms and conditions

STEP

Apply for the top-up loan

STEP

Read the top-up loan terms and conditions

STEP

Apply for the top-up loan

Top Up Home Loan Eligibility

Are you eligible for a top-up home loan? Check whether you meet the criteria.

Eligibility criteria

An existing home loan with ABHFL
NationalityIndian citizen
Minimum age for applying21 years
Maximum age at loan maturity60 years for Salaried & 70 years for Self-employed
Good credit historyNew to credit or 650 & above
EmploymentSalaried or self-employed

Note - This is an indicative list that may change based on your actual loan application.

Upto 30 Lakhs

30 Lakhs to 75 Lakhs

More than 75 Lakhs

90%

80%

75%

Disclaimer - All loans will be at the sole discretion of ABHFL.

Fees & Charges

TRANSACTIONS	CHARGES
Top up loan amount upto 20% of HL	+0.25% on existing Processing Fees Processing Fees ranges from 0.25 to 1.75%

Disclaimer: The above charges constitute the rack rate for all customers. Actual charges for any customer, if different, will be as communicated at the time of loan sanction and disbursal and will be subject to changes from time to time.

Name of Fee/Charge levied	Transactions & Charges in Rupees
Revision of fixed rate to floating and vice-versa/ revision in loan interest rate/ tenure at discretion of abhfl	2% of the loan outstanding
Loan re-schedulement (at discretion of abhfl) charges	0.50% on principal outstanding amount

Name of Fee/Charge levied	Transactions & Charges in Rupees
• Stamp Duty • Legal and other statutory charges • Insurance Premium • Creation charge with ROC • MOE/MOD/Registration	As per state laws, where applicable

Name of Fee/Charge levied	Transactions & Charges in Rupees
Applicable for non-individuals/ Loan sanction for business purpose/ individuals with other than floating rate) • Part Payment / Pre-closure is allowed after 12 months from final loan disbursement date • In case of Part Payment / Pre-closure before 12 months from final loan disbursement date, lock-in period interest will be applicable	Floating rate term loan sanctioned to individual borrowers, with or without co-obligant(s): • other than business purpose – NIL • Business Purpose – 4 % of principal outstanding and lock-in charges as applicable.
	Floating rate term loan sanctioned to non-individual borrowers: • 4% of principal outstanding paid and lock-in charges if any.
	Fixed interest rate housing loan given to individual: • Pre-closed from own sources – Nil • Other sources – 2% of principal outstanding and lock-in charges if any.
	Fixed interest rate non-housing loans (LAP/LRD/CP/GPL/Top-up) given to Individual/Non-Individual borrowers (closed from own/other source): • 4% of principal outstanding paid and lock-in charges if any.
	Lock-in charges: • Part Payment / Pre-closure is allowed after 12 months from final loan disbursement date • In case of Part Payment / Pre-closure before 12 months from final loan disbursement date, lock-in period interest will be applicable.
Pre-closure quote: • Pre-closure statement charges • Original document retrieval charges	Rs 1,000/- per loan account

Name of Fee/Charge levied	Transactions & Charges in Rupees
Late payment penalty / Non Conformance with any covenants / stipulated conditions	24% p.a. i.e 2% per month on overdue amount
Cheque bouncing charges/NACH failure charges/Bounce charges	Rs 750/- per instance
Accrued Interest	As applicable based on actual delayed status or as communicated by the lender from time to time
CERSAI charges	• When facility amount is equal to Rs. 5 lacs or lesser – Rs.50 per loan • When facility amount is greater than Rs. 5 lacs – Rs.100 per loan
Request for Copies of any collateral held with ABHFL	Rs 750/- per instance
Duplicate Statement/ Repayment Schedule / any other document held with ABHFL request	Rs 200/- per loan account
Charge For Exchanging NACH mandate	Rs 750/- per instance
CIBIL report retrieval fee	Rs 50/- per instance for Consumer and Rs. 500/- for Commercial CIBIL
NOC issuance charges	Rs 500

Documents Needed

Proof of Identity and Address

Passport/ Aadhaar Card/ Voter's ID/ Driving License/ Job Card issued by NREGA/ Registration certificate/ PAN card (PAN Card only as identity proof)

Proof of Income

Salary slip for the last 3 months showing all deductions and Form 16

Bank statement showing salary

Latest 6 months

Proof of Other Income:

Rental receipts or documents showing receipt of income

Property Documents:

Copy of Title documents and approved sanction plan

Disclaimer: ABHFL reserves the rights to call upon additional documents at its discretion. The documents will be collected by ABHFL.

Proof of Identity and Address

Passport/ Aadhaar Card/ Voter's ID/ Driving License/ Job Card issued by NREGA/ Registration certificate/ PAN card (PAN Card only as identity proof)

Proof of Income

IT Returns or financial documents for the last 2 years and computation of income certified by a CA for the last 2 years

Bank statement showing salary

Latest 6 months

Proof of Other Income:

Rental receipts or documents showing receipt of income

Property Documents:

Copy of Title documents and approved sanction plan

Disclaimer: ABHFL reserves the rights to call upon additional documents at its discretion. The documents will be collected by ABHFL.

Customer Satisfaction Stories

Don’t just take our word for it. Hear from our customers about their successful financial journey with us

Mr. Mohammad Moosa Azmi

Aditya Birla Housing Finance Customer

Seamless onboarding experience and great support provided by the Relationship Manager during the documentation process.

Mr. B. Narsimulu

Aditya Birla Housing Capital Customer

Hyderabad, India

Mr. Kiran Narhari Deshmukh

Aditya Birla Housing Finance Customer

I appreciate the online documentation process which helped in ease of my loan process. I could get loan information through WhatsApp and other digital platforms.

Mr. Vikram Balu Gavali

Aditya Birla Housing Finance Customer

Belapur, India

Different financial needs, different loans,
one app - ABCD

Looking for a home loan? Apply online with the ABCD app and get a quick loan. Move into your dream home with a hassle-free loan process.

Seamless digital application
Check your EMIs to assess the affordability
Different loan options for different needs

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Tax Planning

Save Tax, invest more, reach goals

Tax-saving options, one click
Save tax under different sections

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Fixed Deposit

Guaranteed returns with Fixed Deposit

Flexible deposit tenures
₹5 lakh deposits insured by DICGC

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FAQs on Top-up Home Loan

A top-up home loan is an additional loan that can be availed of over and above an existing home loan. It is typically taken by borrowers who have seen an increase in their income, a decrease in their outstanding balance on their existing home loan, or who have additional anticipated expenses. If the borrower wishes to increase the loan amount and take a cash out, they can do so by applying for a top-up loan.

Yes, you can apply for a top-up home loan even if you have refinanced your home loan with ABHFL. The eligible loan amount will be determined based on your current home loan eligibility, which is assessed using the following factors:

• Income of all applicants

• Age of the primary applicant

• Existing income or EMIs

• Stability and continuity of the primary applicant's occupation

To ensure your eligibility for a top-up home loan, it is recommended to consult with an ABHFL representative to discuss your specific circumstances.

To be eligible for a top-up home loan, you must generally meet the following criteria:

• Existing home loan with ABHFL: You must hold an existing home loan with ABHFL to qualify for a top-up home loan. This ensures that the lender has a comprehensive understanding of your financial situation and repayment capacity.

• Good credit history: A strong credit history demonstrates your ability to manage debt responsibly and makes you a less risky borrower for the lender. A good credit score typically ranges from 700 to 850.

• Steady income: A stable and consistent income stream is crucial for ensuring that you can make the monthly repayments on your top-up home loan. This ensures that your loan is not unduly burdensome on your finances.

• Sufficient property value: The value of your property acts as collateral for the top-up home loan. The lender will evaluate the market value of your property to assess its ability to support the additional loan amount. The top-up loan amount is typically capped at 70–80% of the property's value.

• Loan-to-Value (LTV): LTV represents the ratio of your outstanding home loan amount to the property's market value. A lower LTV indicates a higher equity portion, which may be favourable for top-up loan approval.

Top-up home loans typically offer lower interest rates and longer repayment terms than personal loans. This is because the lender has more security as the loan is secured against your property. Also, lower interest rates translate to lower monthly repayments, making the loan more manageable for you. Additionally, top-up loans are secured by your home, which means that you may qualify for a higher loan amount than you would with a personal loan.

The interest rate for a top-up home loan is typically determined based on several factors, including:

• Existing home loan interest rate: The interest rate on your existing home loan often serves as the base rate for the top-up loan. This ensures consistency in your overall interest rate and simplifies the repayment process.

• Credit history: Your credit history plays a significant role in determining the interest rate offered for your top-up loan. A strong credit history, typically reflected by a high credit score, indicates a lower risk to the lender and can lead to a lower interest rate. Conversely, a poor credit history may result in a higher interest rate.

• Loan-to-Value ratio (LTV): The LTV represents the ratio of your outstanding home loan balance to the current market value of your property. A lower LTV indicates that you have more equity in your property, making it less risky for the lender and potentially leading to a lower interest rate.

• Loan amount: The amount of the top-up loan you are applying for may also influence the interest rate. Larger loan amounts may attract slightly higher interest rates, while smaller top-ups may receive lower interest rates.

• Lender's interest rates: Different lenders have their own internal policies and risk assessment models, which can affect the interest rates they offer for top-up home loans. It is important to compare interest rates from multiple lenders to find the most competitive terms.

• Market conditions: Overall market conditions, such as prevailing interest rates and economic trends, can also influence the interest rates offered for top-up home loans. Interest rates may fluctuate over time, so it is advisable to check current rates before applying for a top-up loan.

In conclusion, the interest rate for a top-up home loan is typically the same as the interest rate on your existing home loan. However, it may be slightly higher, depending on your credit history and other factors.