Credit & Loans
Top-up Loan Calculator
Calculate EMIs and eligibility for top-up loans over your existing home or personal loan.
Formula
Total EMI on combined outstanding + top-up
Existing Outstanding, Top-up Amount, Rate %, Months
Results
Enter values above to see results
Total EMI on combined outstanding + top-up
A top-up loan is additional borrowing on top of your existing loan, usually at a higher rate than the original loan but lower than personal loans. It is granted based on your repayment track record.
Top-up loan of ₹5 lakh on existing ₹20 lakh outstanding at 10% for 60 months
Input Values
Calculation
Applying the formula with the input values above:
Results
Total EMI
₹53,128.00
Total Outstanding
₹25,00,000.00
- 1Enter your current outstanding loan balance (home loan, personal loan, etc.).
- 2Input the additional top-up loan amount you need.
- 3The combined loan is assessed at the top-up loan interest rate.
- 4Enter the tenure for the combined outstanding (or remaining tenure).
- 5Top-up rates are lower than personal loans but higher than the original loan rate.
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