Home Loan Top-Up Calculator
Estimate the additional loan amount you may consider on top of your existing home loan and compare the combined EMI and repayment cost.
Enter Existing Loan & Top-Up Details
Existing Home Loan
Outstanding Home Loan₹40,00,000
Current Interest Rate8.50%
Remaining Tenure15 Years
Top-Up Loan
Top-Up Amount₹10,00,000
Top-Up Interest Rate9.00%
Top-Up Tenure10 Years
Top-Up Loan Result
Top-Up EMI₹12,668
Existing Loan EMI₹39,386
Combined Monthly EMI₹52,054
Top-Up Interest₹5,20,160
Combined Loan Amount₹50,00,000
The top-up adds an estimated ₹12,668 to your monthly EMI.
Existing Outstanding₹40,00,000
Top-Up Amount₹10,00,000
Combined Loan Amount₹50,00,000
Existing Loan Interest₹30,89,480
Top-Up Interest₹5,20,160
Total Interest₹36,09,640
Existing Loan
Top-Up
| Metric | Existing Loan | Top-Up | Combined / Total |
|---|---|---|---|
| Principal | ₹40,00,000 | ₹10,00,000 | ₹50,00,000 |
| Interest Rate | 8.50% | 9.00% | — |
| Tenure | 15 years | 10 years | — |
| Monthly EMI | ₹39,386 | ₹12,668 | ₹52,054 |
| Total Interest | ₹30,89,480 | ₹5,20,160 | ₹36,09,640 |
| Total Repayment | ₹70,89,480 | ₹15,20,160 | ₹86,09,640 |
Important: This is an indicative top-up loan calculator. Actual top-up eligibility and amount may depend on property value, outstanding principal, repayment history, income, credit profile, lender policy, applicable LTV limits and other conditions. A lender may offer a different interest rate or tenure. Processing fees, GST, insurance and other charges are not included.