SBI Smart Home Top Up Loan

Visit your nearest Branch/ RACPC and walk out with a Home Top-Up Loan within minutes. No documents required!

SBI Smart Home Top up loan is a general purpose loan offered to meet your urgent requirements for any personal purposes such as meeting expenditure on education, marriage, health care, repair/renovation/furnishing of the house, etc. The best part is you simply need to walk into the nearest branch/ RACPC to avail the Loan. Smart, isn’t it?

  • Features
  • Eligibility
  • Interest Rates & Fees
  • Documents Required
  • Low Processing Fee
  • No Hidden Charges
  • No documents required
  • Quick Processing
  • No Pre Payment Penalty
  • Available as Overdraft also
  • Resident Type: Resident Indian & NRI
  • Minimum Age: 18 years
  • Maximum Age: 70 years
  • Loan Tenure: up to 20 years.
  • Loan Amount: upto Rs. 5 lakhs
  • CIBIL Score of 550 or higher
  • Satisfactory repayment track record of 1 one year or more, after completion of moratorium
  • No other Home Top-up or Insta Home Top-up loans should be active


  • Processing Fee*
    1. A flat Processing Fee of Rs.2000 plus applicable Goods and Service Tax (GST) will be levied under the product. Processing fee will be recovered from loan amount at the time of disbursement.

*Plus applicable taxes

** To be paid at actuals.

Click here for old Card Rates
  • No documents required

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