Lower Your EMI with Top-Up Loans Optimize Your EMI with the Right Top-Up

Balance your EMI, adjust loan amount, and maximize savings—quick & easy!

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Why Transfer Your Loan and Get a Top-Up With MinEMI?

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Lower your EMI by transferring to a lower interest rate.

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Access additional funds for personal or business needs.

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One simple loan instead of multiple loans to manage.

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No need for a fresh application leverage your existing loan.

How it Works

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Enter your loan details and basic information to check eligibility.

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We compare top lenders to find you the lowest interest rate and best terms.

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Transfer your loan with ease and start saving on your EMIs right away.

Compare Top Up Loan Offers & Choose the Best One!

Name of LenderInterest Rate (p.a.)Processing Fees
State Bank of India8.50%₹1,250/-
HDFC Bank8.75%₹1,250/-
ICICI Bank8.75%₹1,250/-
Bank of Baroda8.40%₹1,250/-
Punjab National Bank8.40%₹1,250/-
Axis Bank8.75%₹1,250/-

Why Use MinEmi for Balance Transfer ?

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Access the lowest interest rates from top banks and NBFCs.

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Get personalized recommendations based on your credit profile.

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Seamless digital process - no complex paperwork.

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Compare multiple offers in one place and make an informed Decision.

What Our Customers Say About MinEMI

Priya

Pune

Minemi helped me transfer my home loan to a lower interest rate, and now I’m saving ₹7,000 every month! The process was smooth and quick.

Priyesh Shah

Bhopal

Minemi helped me transfer my home loan to a lower interest rate, and now I’m saving ₹7,000 every month! The process was smooth and quick.

Frequently asked questions

What is a Top-Up Loan?

Will a top-up loan always reduce my EMI?

Can I get a top-up loan from the same lender?

How does a top-up loan affect my credit score?

What happens if I miss a payment on my top-up loan?

Are there any fees for a top-up loan?

Can I take a top-up loan on multiple existing loans?

Will a top-up loan affect my credit score?