24 hours Top-up Loan

If you have an ongoing loan liability, there may be situations when things could go beyond your financial capacity. In such circumstances, you may wonder how you can fulfil those aspirations or dreams. One way you can tackle this, is by applying for a Top up Loan on your existing Home Loan.

Here’s a way eligible ICICI Bank customers can get a Top up Loan on their Home Loan, without any documentation. The pre-approved Top up Loan offered in the form of “24 hours Top up Loan”, is an ultimate financing option to cover big-ticket expenses, such as marriage costs, child’s education, travel costs, home renovation, medical emergencies and more.

So, now there is no need to compromise on your dreams, anymore. Avail an instant sanction on a Top up Loan of up to Rs 1 crore, over and above your present loan from ICICI Bank.

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In order to meet the 24 hours Top up Loan eligibility, you need to fulfil the following criteria:

Frequently Asked Questions (FAQs)

What is a 24-hour Top up Loan?

A 24-hour Top up Loan is an additional loan facility, available to existing customers of ICICI Bank, who have a pre-approved Top up Loan offer. The funds can be availed by any salaried and self-employed professionals or non-professionals, over and above their existing Home Loans. The Top up Loan gets credited to your account within 24 hours.

Who all are eligible for the 24 hour Top up Loan?

When it comes to 24 hours, the Top up Loan eligibility is for any salaried and self-employed professional, who already has a Home Loan liability and a pre-approved offer, for the Top up Loan from ICICI Bank.

What is the maximum loan amount that can be borrowed, under the 24 hour Top up loan?

As per ICICI Bank, the maximum loan amount threshold limit is set at Rs 1 crore. However, the Top up Loan amount sanction is usually equivalent to 100% of the Home Loan amount.

What is the maximum repayment period of the 24 hour Top up Loan?

The maximum loan tenure that one can avail is 10 years.

What is the security that one has to provide, for the 24 hour Top up Loan?

You do not need to provide any security or collateral, to get an instant sanction on the 24 hour Top up Loan offer.

How does one avail a 24 hour Top up Loan, along with a Balance Transfer Loan?

Suppose you are set to apply for a Home Loan Balance Transfer and ready to switch all your outstanding balance from your existing lender to ICICI Bank, then you can immediately avail additional funds through a Top up Loan, on your existing Home Loan. You can easily do an online Balance Transfer, without the need to visit the bank, physically.

What are the documents required for an instant sanction on a 24 hour Top Up Loan?

Acquiring an instant sanction on a 24 hour Top up Loan on your Home Loan does not require you to go through the documentation process, since it is a pre-approved facility for select customers.

Can the loan amount be reduced or enhanced?

The pre-approved offer for the 24 hour Top up Loan makes you eligible for a stipulated loan amount, considering various factors. You cannot enhance the loan amount since it is an offer amount; however, you can reduce the loan amount, using the slider.

Can the offer tenure be reduced?

The repayment period of a Top up Loan on your Home Loan is basis your loan amount. You can reduce or increase the loan tenure of the 24 hour Top up Loan, using a slider while applying online.

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