OneTouch Better terms, plus extra funds.
A Balance Transfer with Top-Up combines two things in one application: the existing loan moves to a new lender, and an additional amount is raised on top of it. It is the efficient route when you want both improved terms and fresh funds without running two separate facilities.
What this facility gives you.
Two objectives, one application
Re-price the existing loan and raise additional funds in a single, coordinated process.
Uses the same security
Where the loan is secured, the top-up is normally considered against the same property.
One lender, one EMI
The transferred balance and the top-up are serviced together instead of as two loans.
Who it suits
- Borrowers who need additional funds and better terms at the same time
- Property-backed loans where the value has appreciated since sanction
- Consolidating a fresh requirement into an existing secured facility
- Businesses that prefer a single obligation over multiple EMIs
Documents usually required
- KYC of all applicants and property owners
- Sanction letter, repayment schedule and statement of the existing loan
- Foreclosure or outstanding balance letter from the existing lender
- Complete property documents and chain of title, where secured
- Current income proof, ITRs, financials and bank statements
The final checklist depends on the lender, your constitution type and the facility structure.
How Balance Transfer + Top-Up is typically structured.
Indicative only. Every lender applies its own policy, and your sanctioned terms come from the lender assessing your case.
| Applies to | Existing Business Loan and Loan Against Property facilities |
|---|---|
| Top-up basis | Headroom in the security value and current repayment capacity |
| Key requirement | A clean repayment track on the existing loan |
| Indicative tenure | Fresh tenure as sanctioned by the new lender |
| Assessment basis | Revised valuation, existing loan conduct and income |
Frequently asked.
How much top-up can be raised?
Broadly, the difference between what the security and your income now support and what is still outstanding. A fresh valuation and a fresh income assessment both feed into it.
Is a top-up available without transferring the loan?
Some lenders offer a top-up on their own existing loans. Where they do not, or where their terms are uncompetitive, a transfer with top-up is the usual route.
Do both parts have to be sanctioned together?
Yes – it is assessed and sanctioned as one facility by the new lender, which is what keeps it to a single EMI.
Other loan solutions.
Business Loan
A Business Loan helps you fund expansion, inventory, equipment, hiring or any other legitimate business requirement.
Learn more →Loan Against Property
A Loan Against Property lets you raise funds against a residential, commercial or industrial property you already own, while continuing to use it.
Learn more →Overdraft
An Overdraft gives your business a sanctioned limit it can draw from as needed.
Learn more →Considering Balance Transfer + Top-Up?
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