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
Particulars Interest Rate
Salaried Non-Salaried
Term Loan
9.55% p.a. 10.05% p.a.
10.05% p.a. 10.55% p.a.



  • Processing Fee*
    1. Rs. 2000/-

*Plus applicable taxes

** To be paid at actuals.

Click here to view old Interest Rates
  • No documents required

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