3 September, 2025
Synopsis
Get extra funds on your existing Loan in just 10 seconds with Xpress Personal Loan Top Up.
The process is completely digital with easy application process.
Choose your offer, complete eKYC and enjoy instant disbursal to your account.
An unexpected hospital bill, a flash sale on your dream gadget or a last-minute flight to see loved ones, some expenses just can’t wait. With an HDFC Bank Top-Up Personal Loan, you can add extra funds to your existing loan in just 10 seconds. No forms. No branch visits. 100% digital and completely secure. Whether it is an emergency or an unmissable opportunity, your money is ready when you are.
What is Xpress Personal Loan Top Up?
Xpress Personal Loan Top Up is a facility that allows you to borrow more money from your existing Personal Loan lender while you are still repaying your ongoing Personal Loan. The loan works in the same way as a regular Personal Loan, and you can use the funds from the loan to pay for all kinds of expenses without providing any collateral, nor are there any end-use restrictions on the loan funds.
Xpress Personal Loan Top Up —Features and Benefits
Unsecured loan
Just like your original Personal Loan, Xpress Personal Loan Top Up is an unsecured loan wherein you do not need to pledge any collateral.
Extended tenure
If you opt for the Top-Up facility, the lender may extend your tenure. However, the new tenure cannot exceed the general Personal Loan repayment tenure of five years.
Attractive rates
If you’ve repaid the EMIs of your existing Personal Loan on time, you may be eligible for competitive interest rates on Xpress Personal Loan Top Up. This reduces the overall cost of your Personal Loan considerably.
No end-use restrictions
Lenders are not bothered about how you intend to use the funds from the loan. They do not even ask you to list reasons for obtaining the Personal Loan or Top-Up Loan.
High loan amount
Xpress Personal Loan Top Up allows you to obtain a high loan amount within the confines of the maximum loan amount provided by the lender.
Enhances your credit score
If you opt for a Top-Up loan after repaying the EMIs of your existing loans in a timely manner, your credit score will be enhanced. A high credit score makes you appear credit-worthy to lenders and allows you to obtain loans easily when needed.
Xpress Personal Loan Top Up —Eligibility Criteria
To obtain a Top Up on Xpress Personal Loan, you must fulfil the following eligibility criteria:
You should have an existing relationship and an outstanding Personal Loan with the bank.
You should have repaid all the EMIs of the existing loan on time.
You should have repaid a specific portion of your loan (typically 12 EMIs) before you apply for Xpress Personal Loan Top Up.
You should be able to prove your loan repayment capacity.
You should have a decent credit score, preferably 750+.
How to Apply for Xpress Personal Loan Top Up?
You can apply for Top-Up Loans offline simply through the HDFC Bank’s website. Here’s how you can do it:
Visit the HDFC Bank website or click the personalised Xpress Personal Loan Top Up offer link.
Enter your details, including Name, PAN, and prefilled information from the bank’s database.
Enter required details such as monthly salary, existing EMIs, and employer name.
Complete Aadhaar eKYC via OTP or Video KYC.
Get instant loan approval in just 10 seconds.
Review and accept the offered loan amount, new interest rate, and EMI.
Once done, your Loan is digitally disbursed directly to your account.
Apply for Top-Up on Xpress Personal Loan with HDFC Bank
As an existing Xpress Personal Loan customer, you can effortlessly obtain a Top Up in just 10 seconds. You can apply for Xpress Personal Loan Top Up by clicking here and get access to higher loan amounts. Enjoy a flexible repayment tenure, with attractive interest rates and budget-friendly EMIs on your collateral-free Xpress Personal Loan Top Up.
Know how you can get Xpress Personal Loan Top Up digitally here.
*Disclaimer: Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. Personal Loan at the sole discretion of HDFC Bank Limited. Loan disbursal is subject to documentation and verification as per Bank's requirement. Interest rates are subject to change. Please check with your RM or closest bank branch for current interest rates.