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Bank of Maharashtra Home Loan Top-Up

Top-up finance for eligible home-loan borrowers for renovation, furnishing, marriage, education and other permitted needs, up to ₹10 crore and 180 months.

Interest rate7.60% p.a. advertised on the product page. Current schedule prices it at the applicable Maha Super Housing rate plus 0.50% for CIBIL 800+, 0.75% for 750-799, 1.00% for 681-749, or 3.00% for 680 and below.Maximum amountUp to ₹10 crore.TenureUp to 180 months; maximum age 75 at loan maturity.
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Quick eligibility check

Bank of Maharashtra Home Loan Top-Up

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.

1Does your annual income meet this requirement: No standalone numeric income floor?

Published source: Minimum income

2Does your annual income meet this requirement: eligibility is restricted to qualifying home-loan borrowers and assessed from current income, repayment capacity and account conduct?

Published source: Minimum income

3Do you meet this requirement: Applicant must be an eligible home-loan borrower and satisfy current repayment-capacity, property and credit-score rules?

4Do you meet this requirement: The current rate table applies a CIBIL-based premium over the applicable Maha Super Housing rate?

5Document checkDo you have this required document or proof: Completed application and photographs?

Published source: Minimum income

6Document checkDo you have this required document or proof: Identity and residence proof?

Published source: Minimum income

7Document checkDo you have this required document or proof: Three months' salary slips and two years' ITR/Form 16 for salaried applicants?

Published source: Minimum income

8Document checkDo you have at least one of these required documents: Two or three years' ITR and financial statements for professional/business applicants?

Published source: Minimum income
0 of 8 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 31 Aug 2026 · active
Offered byBank of Maharashtra

India

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 typeTerm top-up loan for eligible home-loan borrowers, including renovation, furnishing, marriage and education needs.View source
The page describes a home-loan top-up and lists the permitted uses.
Source
Topup Loan for Home Loan Borrowers
Page / section
Overview; purposes
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Interest rate7.60% p.a. advertised on the product page. Current schedule prices it at the applicable Maha Super Housing rate plus 0.50% for CIBIL 800+, 0.75% for 750-799, 1.00% for 681-749, or 3.00% for 680 and below.View source
The product page displays 7.60% p.a.; the current rate table supplies the score-based pricing formula.
Source
Topup Loan and Retail Interest Rates
Page / section
Product rate callout; Maha Bank Top Up Loan table
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
BenchmarkRLLR-linked applicable Maha Super Housing rate plus a CIBIL-based 0.50%-3.00% premium.View source
All four current rows express the rate as a premium over applicable housing .
Source
Retail Interest Rates
Page / section
Maha Bank Top Up Loan scheme
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
APRNot published; no fee-inclusive APR is stated on the product page, current rate page or fee PDF.View source
The sources publish and charges separately without .
Source
Home Loan Top-Up - complete review
Page / section
Complete product, rate and fee review
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo standalone numeric income floor; eligibility is restricted to qualifying home-loan borrowers and assessed from current income, repayment capacity and account conduct.View source
The page requires extensive salaried/non-salaried income evidence but gives no universal threshold.
Source
Topup Loan for Home Loan Borrowers
Page / section
Eligibility context and documents
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Maximum amountUp to ₹10 crore.View source
The page publishes a maximum of ₹10 crore.
Source
Topup Loan for Home Loan Borrowers
Page / section
Features and benefits
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
TenureUp to 180 months; maximum age 75 at loan maturity.View source
The page publishes both maximum repayment period and maturity age.
Source
Topup Loan for Home Loan Borrowers
Page / section
Features and benefits
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Processing and account-handling chargesProcessing 0.50% of loan amount, minimum ₹500 and maximum ₹50,000. Account handling 0.10%, minimum ₹500 and maximum ₹11,000, excluding GST.View source
The visually checked fee table publishes both charges and limits.
Source
Service Charges - Liabilities Portfolio
Page / section
pages 72 and 74: Maha Bank Housing Topup Loan
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Prepayment chargeNil; the product page states no prepayment penalty.View source
The page explicitly states No Prepayment Penalty.
Source
Topup Loan for Home Loan Borrowers
Page / section
Features and benefits
Accessed
31 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Maximum ₹10 crore
  • Maximum 180 months
  • Maximum age 75 at maturity
  • No prepayment penalty
  • Published starting-rate callout of 7.60% p.a.

Eligibility

  • Applicant must be an eligible home-loan borrower and satisfy current repayment-capacity, property and credit-score rules. The current rate table applies a -based premium over the applicable Maha Super Housing rate.

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

Documents the bank lists

  • Completed application and photographs
  • Identity and residence proof
  • Three months' salary slips and two years' /Form 16 for salaried applicants
  • Two or three years' and financial statements for professional/business applicants
  • Six to twelve months' bank statements
  • Guarantor evidence where applicable
  • Property title, plan, permissions, sale/allotment and estimate documents
  • Outstanding statement and document receipt for takeover
  • / employment, visa, work permit, and overseas-bank evidence where applicable

Related official documents

Topup Loan for Home Loan Borrowersofficial-product-page · current · accessed 31 Aug 2026
↗
Retail Interest Rates - complete remaining-loan reviewofficial-rate-table · current · accessed 31 Aug 2026
↗
Bank of Maharashtra Service Charges - Liabilities Portfolioofficial-pdf · current · accessed 31 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.

Rate · Published term7.60% p.a. page callout; current rate table uses housing +0.50%/+0.75%/+1.00%/+3.00% by

This value is copied from Home Loan Top-Up - complete published terms and document groups. Check the table notes before relying on it.

Source: Topup Loan for Home Loan Borrowers · Complete page and document list Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 10 rows · 2 columnsHome Loan Top-Up - complete published terms and document groupsView tableHide table

Scroll sideways to view every column

Home Loan Top-Up - complete published terms and document groups
ParameterPublished term
Rate7.60% p.a. page callout; current rate table uses housing +0.50%/+0.75%/+1.00%/+3.00% by
Maximum amount₹10 crore
RepaymentUp to 180 months; age 75 at maturity
PurposesRenovation, furnishing, marriage, education and other permitted needs
PrepaymentNo prepayment penalty
Identity/addressApplication, photos and one accepted identity/residence document
Salaried incomeThree months' salary slips; two years' /Form 16; employer undertaking; six-month salary-bank statement where applicable
Professional/business incomeTwo/three years' and financial statements; registrations/licences; one-year bank statement
Property/takeoverOutstanding/account statements, document receipt, approvals, plans, sale/allotment/estimate and title documents
/Employment contract/, work permit, visa, and overseas account/income evidence
Topup Loan for Home Loan Borrowers · Complete page and document list · accessed 31 Aug 2026Open official source ↗
Table 2 · 6 rows · 4 columnsBank of Maharashtra current retail-credit charge rows used in this batchView tableHide table

Scroll sideways to view every column

Bank of Maharashtra current retail-credit charge rows used in this batch
ProductProcessing feeAccount handlingOther / prepayment
Housing/Flexi/ (non-green)0.25%, max ₹25,0000.10%, ₹500-₹11,000Nil prepayment for floating non-business individual loan
Housing Top-Up0.50%, ₹500-₹50,0000.10%, ₹500-₹11,000Product page: no prepayment penalty
Loan Against Property1%, ₹1,000-₹50,0000.10%, ₹500-₹11,000Nil prepayment for floating non-business individual loan
Maha Adhaar0.50%, ₹500-₹5,000; staff pensioner nil0.20%, ₹1,500-₹10,500Nil prepayment for floating non-business individual loan
-VidyalaxmiNo processing/upfront charge0.20%, min ₹500₹200 enrolment in current ; nil prepayment
Maha Super Green CarNilNilNil prepayment/pre-closure/part-payment
Service Charges - Liabilities Portfolio · pages 12 and 72-76 · accessed 31 Aug 2026Open official source ↗

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