Top-Up Loan Calculator
Compare top-up loan on existing loan vs taking a new combined loan. Find the most cost-effective financing option.
Loan Details
Enter your existing loan and top-up requirements
Existing Loan Details
Current EMI
₹31,327
Outstanding Balance
₹28,00,601
Top-Up Loan Requirements
Alternative: New Combined Loan
Comparison Results
Top-Up vs New Loan
Top-Up Combined EMI₹38,073
New Loan EMI₹41,811
EMI Difference↑ ₹3,737
Top-Up Total Interest₹23,95,981
New Loan Total Interest₹17,16,673
Interest Savings↓ ₹6,79,308
Recommendation
Consider Top-Up Loan - Existing loan rate is competitive, top-up may be more convenient despite slightly higher cost.
Visual Comparison
Compare all key metrics between top-up and new loan
Detailed Comparison Table
| Parameter | Top-Up Loan | New Loan | Difference |
|---|---|---|---|
| Total Loan Amount | ₹33,00,601 | ₹33,00,601 | - |
| Monthly EMI | ₹38,073 | ₹41,811 | ₹3,737 |
| Total Interest | ₹23,95,981 | ₹17,16,673 | ₹6,79,308 |
| Processing Fees | ₹5,000 | ₹47,009 | ₹42,009 |
| Total Cost (Principal + Interest + Fees) | ₹57,01,581 | ₹50,64,283 | Top-Up Saves |
Frequently Asked Questions
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