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Home
About Us
Board of Management
Board of Director
Financial Highlights
Personal Banking
Accounts
Janata Basic Account
Kids Savings Account
Normal Savings Account
Deposit
Term Deposit
Recurring Deposit
Loans
Education Loan.
Gold Loan/Overdraft
Housing
Housing Loan
Housing Top-Up Loan Scheme
Niwara Loans above Rs.70Lakh (Non-Priority)
Niwara Loans up to Rs.70Lakh (Non-Priority)
Personal
Group Loan
Janata Samruddhi
Janata Utsav Personal Loan
Secured Personal Loan
Unsecured Personal Loan
Loan/OD against Documents
Loan/OD against Fixed Deposit
Loan To Agricultural & Allied activities
Mortgage Loan (LAP)
Solar Energy
Travel Loan
Vehicle Loan
Second Hand (used) Vehicle Loan
Vehicle Loan (Personal Use)
Corporate Banking
Accounts
Current Account
Loans
Business Loan
Business Loan (Pharma/Med)
Business Loans to Jewellers
Janata Vyapar Yojana
CC/WCTL (Other Business)
CRE/Builders & Developers
Janata Industrial Loan CC/WCTL (MSME)
Lease Rent Discounting (LRD)
Loans To Professionals
New Loan Scheme for Educational Institutes
Term loan (Industrial/Commercial premises)
Vehicle Loan (Commercial Use)
Trade
Payment Solutions
Digital Banking
SMS
Contactless Debit Card
Mobile Banking
RTGS-NEFT
Standee & Sound Box
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Know More
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Home
/
Personal Banking
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Loans
/
Housing Top-Up Loan Scheme
Housing Top-up Loan Scheme
Dream Bigger: Top-Up Your Housing, Elevate Your Life.!
Features
Purpose
Security
Eligibility
Interest Rate
Features
Pre-Payment Charges:
Nil
Processing charges
: only 0.50% of loan amount sanctioned. (
The most affordable in the industry
)
Repayment:
Maximum up to Residential term of existing Hsg. Loan account.
Maximum Amount:
Proposed loan+ existing Hsg. Loan should not exceed 70 Lakh.
Purpose
Personal expenses like medical expenses, marriage expenses, expenses for family function, educational expenses of self/spouse & close relatives etc.
Repairs/ renovation of flat / house.
Repayment of loans availed from other Banks / FIs / Individuals.
Provide additional financial flexibility to manage family needs or future investments.
Use the top-up to consolidate existing high-interest debt, reducing overall financial burden.
Security
Primary Security
: The primary collateral is the
same property
mortgaged under the original housing loan.
Mortgage Registration
: The top-up loan is secured through
mortgage registration
of the property with the bank.
Eligibility
Home loan borrower with satisfactory repayment track record and no. audit query pending.
Current Market Value of the flat as per valuation report shall be considered for assessing permissible loan amount.
Interest Rate
Revised Rate of Interest
:
09.50
%
P.A.
Important Links
Documentation Required
Loan Application Form
EMI Calculator
Service Charges
Apply Now