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Personal, home, vehicle & other loans

Star Top Up Loan

A BOI top-up facility over an eligible home-loan relationship for furnishing, solar PV, renovation, takeover and related housing needs, with no maximum limit stated on the page.

Interest rateStarts from 7.10% p.a.; linked to CIBIL Personal Score for individuals and calculated on a daily reducing balance.Maximum financeNo maximum limit is stated on the official page; the page provides a Know Your Eligibility calculator and an EMI illustration starting at ₹672 per lakh.Tenure / moratoriumNo separate maximum repayment tenure is published for the top-up facility; holiday or moratorium up to 36 months is stated.
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Quick eligibility check

Star Top Up Loan

0 of 8 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Are you this type of customer: Resident Indians, and ?

Published source: Eligibility

2Are you this type of customer: salaried, self-employed and professional individuals?

Published source: Eligibility

3Do you meet this requirement: eligible groups/associations, and corporates?

Published source: Eligibility

4Do you meet this requirement: Trusts are not eligible?

Published source: Eligibility

5Does your age meet this requirement: Age is 18 to 70 years at final repayment?

Published source: Eligibility

6Does your annual income meet this requirement: No fixed rupee minimum salary or annual-income threshold is published?

Published source: Minimum income

7Does your annual income meet this requirement: income proof and repayment-capacity assessment are required?

Published source: Minimum income

8Do you meet this requirement: Trusts are excluded?

0 of 8 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Offered byBank of India

India and eligible / applicants; subject to BOI home-loan terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Loan purposeTop-up over a home-loan relationship for furnishing, solar PV, addition/extension/renovation and takeover/balance transfer; Smart Home Loan overdraft and step-up/step-down EMI options are listed.View source
The official feature list names furnishing, solar PV, renovation, takeover, and options.
Source
Star Top Up Loan — Bank of India
Page / section
Features / Advantages
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum financeNo maximum limit is stated on the official page; the page provides a Know Your Eligibility calculator and an EMI illustration starting at ₹672 per lakh.View source
The page says no maximum limit and shows an starting at ₹672 per lakh.
Source
Star Top Up Loan — Bank of India
Page / section
Advantages / Calculator
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Interest rateStarts from 7.10% p.a.; linked to CIBIL Personal Score for individuals and calculated on a daily reducing balance.View source
The official rate section publishes 7.10% starting , linkage and daily reducing-balance calculation.
Source
Star Top Up Loan — Bank of India
Page / section
Interest Rates & Charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Tenure / moratoriumNo separate maximum repayment tenure is published for the top-up facility; holiday or moratorium up to 36 months is stated.View source
The page publishes a 36-month holiday/moratorium but no separate maximum-tenure number.
Source
Star Top Up Loan — Bank of India
Page / section
Features / Advantages
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Processing feeIndividuals: 0.35% of loan amount, minimum ₹1,500 and maximum ₹35,000. Non-individuals: 0.50%, minimum ₹3,000 and maximum ₹40,000.View source
The charges section publishes separate individual and non-individual processing tiers.
Source
Star Top Up Loan — Bank of India
Page / section
Charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
PrepaymentNo prepayment penalty is published.View source
The official advantages list says no prepayment penalty.
Source
Star Top Up Loan — Bank of India
Page / section
Advantages
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
EligibilityResident Indians, NRIs and PIOs; salaried, self-employed and professional individuals; eligible groups/associations, HUFs and corporates. Trusts are not eligible. Age is 18 to 70 years at final repayment.View source
The eligibility section publishes residency, borrower classes, trust exclusion and age range.
Source
Star Top Up Loan — Bank of India
Page / section
Eligibility
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo fixed rupee minimum salary or annual-income threshold is published; income proof and repayment-capacity assessment are required.View source
The page lists income documents but no universal minimum income amount.
Source
Star Top Up Loan — Bank of India
Page / section
Eligibility / Documents
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Pricing basisThe starting rate is linked to CIBIL Personal Score for individuals and uses a daily reducing balance; no separate named benchmark is published on this page.View source
The reviewed page names linkage and calculation method but not or repo benchmark.
Source
Star Top Up Loan — Bank of India
Page / section
Interest Rates & Charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APRNo separate APR figure or methodology is published.View source
and charges are published but no calculation is provided.
Source
Star Top Up Loan — Bank of India
Page / section
Interest Rates & Charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
TenureNo separate maximum repayment tenure is published for the top-up facility; holiday or moratorium up to 36 months is stated.View source
The page publishes a 36-month holiday/moratorium but no separate maximum-tenure number. This is the issuer-published maximumTenure value shown under the comparison field “Tenure”.
Source
Star Top Up Loan — Bank of India
Page / section
Features / Advantages — comparison field: Tenure
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • No maximum limit stated
  • No prepayment penalty published
  • Holiday/moratorium up to 36 months
  • Furnishing and solar PV purposes

Eligibility

  • Trusts are excluded; age 18–70 at final repayment.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Identity/address proof, salary slips/ or self-employed financial statements, and entity documents where applicable.

Related official documents

Star Top Up Loan — official product pageofficial-product-page · current · accessed 30 Aug 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees
Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees
Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Purposes · Published detailFurnishing, solar PV, renovation, takeover; Smart Home

This value is copied from Star Top Up Loan — published terms. Check the table notes before relying on it.

Source: Star Top Up Loan — Bank of India · Features / Eligibility / Interest Rates & Charges / Documents / Calculator Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 8 rows · 2 columnsStar Top Up Loan — published termsTerms reproduced from the official product page.View tableHide table

Scroll sideways to view every column

Star Top Up Loan — published terms
ParameterPublished detail
PurposesFurnishing, solar PV, renovation, takeover; Smart Home
Maximum financeNo maximum limit stated; starts ₹672 per lakh
Rate7.10% p.a. onwards; -linked; daily reducing balance
TenureHoliday/moratorium up to 36 months; separate maximum not published
Processing — individual0.35%; ₹1,500–₹35,000
Processing — non-individual0.50%; ₹3,000–₹40,000
EligibilityResident//; individuals and eligible entities; age 18–70
PrepaymentNo prepayment penalty published
Star Top Up Loan — Bank of India · Features / Eligibility / Interest Rates & Charges / Documents / Calculator · accessed 30 Aug 2026Open official source ↗

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