What is a Loan Top-Up?
Loan Top-Up: Borrow More, Pay Less
A loan top-up allows you to add extra funds to your existing loan while reducing your monthly payments. By consolidating your original loan and the top-up amount into one, you get lower EMIs and access funds for personal needs—all in a single repayment.
| Benefit | Description |
|---|---|
| Lower EMIs | Reduce your monthly loan payments by transferring to a lender with better terms. |
| Extra Funds | Access additional funds for personal or business needs, like renovations or education. |
| Single EMI | Combine your existing loan balance with the top-up into one easy repayment. |
| Flexible Usage | Use the extra funds for any purpose—no restrictions. |
Calculate Your New EMI After Loan Top-Up
See how much you can save with a loan top-up and how your monthly EMI will change.
Top-Up Made Simple: Your 5-Step Guide
From application to savings, we make the loan top-up process simple and stress-free.
1. Check Eligibility
Provide basic details like your current loan amount, EMI, and credit score to see if you qualify.
2. Compare Options
Review interest rates and top-up loan offers from leading financial institutions.
3. Apply Online
Fill out a quick online application form with minimal details and upload required documents.
4. Get Approved
Receive approval within 24–48 hours after document verification.
5. Enjoy Savings
Transfer your loan, lower your EMI, and access additional funds directly into your account.
Why MINEMI is your trusted partner?
At MINEMI, we make loan transfers and top-ups simple, transparent, and tailored to your needs.
Unmatched Savings
Save big on your EMIs with competitive interest rates.
Top-Up Flexibility
Access additional funds for any personal or professional need.
Transparent Process
No hidden fees, no surprises—just clear and honest terms.
Quick Approvals
Minimal paperwork and fast processing to get your loan top-up approved in no time.
Bank Comparisons
Easily compare interest rates and loan options from top financial institutions.
Expert Assistance
Dedicated loan advisors to guide you every step of the way.
Save up to 20% on your EMI!
Join thousands of satisfied customers who have reduced their loan burden.
What Our Customers Say
"MINEMI helped me save ₹8,000 per month on my home loan EMI. Their process was quick and transparent!"
- Rahul S.
10,000+
Customers Served
₹50 Cr+
EMIs Reduced
Got Questions? We've Got Answers!
Find answers to the most common questions about reducing your EMIs and accessing top-up loans.