12 September, 2025
Synopsis
Experience instant approval and disbursal in 10 seconds with a Top Up on current Personal Loan.
It is fully digital, quick and suitable for urgent expenses.
Use funds as you like, be it for emergencies, weddings, travel or home renovations.
When life throws you a big expense suddenly, you need extra cash instantly. That’s where a Top Up on current Personal Loan steps in. Top Up on your current Personal Loan can put extra cash in your account in seconds, no fresh documentation, no branch visits. There is no need to take a second loan; you can continue an existing loan. It’s unsecured, so you don’t have to pledge any assets, and it comes with complete flexibility to use the money however you choose. Whether it is for emergencies or for joyful occasions, a Top Up on current Personal Loan in 10 seconds comes in handy to take care of any extra expenses that come your way.
1. Medical emergency
Medical emergencies can take a serious toll on your finances. Even if you have medical insurance, it may not always cover all expenses. This is when you can consider a Top Up on your current Personal Loan. Money is usually disbursed quickly, and a Top Up on your Personal Loan is hassle-free when compared to the financial stress that can come with using up your savings to meet huge medical expenses.
2. Wedding
Weddings are usually a grand affair in a country like India. You may have dreamt of the perfect wedding, but to make this dream come true, you need to have adequate finances in place. Even if your budget goes a little overboard, worry not, you can get a Top Up on your current Personal Loan in just a few hours from HDFC Bank. This loan comes with no restrictions on how you use the money. So, whether you need the funds to take care of the catering, the flower decoration or even your trousseau shopping, a Top Up can help.
3. Relocation
Moving to a new home can be exciting but daunting. You could be moving because of your job or other personal reasons. Either way, relocating is stressful and can get expensive. In a situation like this, applying for a quick Top Up on your current Personal Loan makes complete sense. It can take care of any urgent expenses that may arise due to your move.
4. Unplanned vacation
Who doesn’t love to travel? But due to financial limitations, it isn’t possible to take as many vacations as you would like to, especially if you haven’t planned it. Sometimes an unplanned vacation cannot be avoided. So how do you go about it? The answer is simple – apply for Top Up on your current Personal Loan, which can be disbursed to your account in a few hours! With minimal documentation you can enjoy a hassle-free holiday.
5. Home renovation
Very often, the actual cost of renovating your home exceeds the budget you have in mind. But that does not mean you have to put off revamping your home because of insufficient finances. With a quick Top Up on your current Personal Loan from HDFC Bank you can get loans up to 40 lakhs, so you can renovate either the primary parts of your house, or simply change the fittings and furnishings, whatever you need.
6. Kids’ education
Education is constantly getting more expensive. Naturally, you can’t let this get in the way of your child’s aspirations. Consider a Top Up on current Personal Loan and give your children the support they need through school and college. By applying for Top Up on your current Personal Loan, you are at liberty to use this money to pay for things such as tuition fees, books, clothes, etc. A Personal Loan also makes it easy for your child or even you to further your education by taking up a course.
7. Buying gadgets
It is not easy to keep up with the rate at which technology is progressing. Every day, new smartphones are launched. From entertainment units to home appliances, electronics are now integrated with ‘smart’ technology so that your work becomes easier. The good news is that you don’t have to fret over your bank balance to keep up with these changes. Apply for a Top up On your current Personal Loan to take care of such needs.
Eligibility criteria for Top Up on current Personal Loan
To obtain a top-up loan on 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 6 EMIs) before you apply for a Top-Up Loan.
You should be able to prove your loan repayment capacity.
You should have a decent credit score, preferably 750+.
Learn how to splurge smartly this festive season! Read: How You Can Buy Everything on Your Wish List This Festive Season.
*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.
