For a top-up loan, the borrower’s repayment behavior on their existing home loan is scrutinized. A track record free of defaults (clean repayment history) establishes trust. ICICI Bank often offers lower interest rate mark-ups to borrowers who have diligently serviced their home loan EMIs for a significant period, say three to five years. This history acts as a proxy for the borrower's character and financial stability.
ICICI Bank offers top-up loans on existing and Personal Loans , with interest rates generally starting from 8.50% and 9.99% per annum respectively, as of April 2026. ICICI Top-Up Loan Interest Rates & Fees (2026) icici bank top up loan interest rate
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