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Top-up Personal Loan

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Choose your employment status to find the Qbera Loan that’s best for you!
I am Salaried (I currently work for a Private Ltd, Public Ltd, Govt., LLP)
I am Salaried (I currently work for a Proprietorship, Partnership Firm)
I am Self Employed (I have my own business)
I am Currently Not Employed
Loan amounts range from Rs.1,00,000 to Rs.15,00,000. APR ranges from 11.99% to 35.99%. Loan lengths range from 12 to 60 months. Administration fee ranges from 1% to 5%.

Top-Up Personal Loans in India

What is a top-up loan?

A top-up loan is an additional loan availed on an already ongoing loan with a particular lender. Top-up loans mostly pertain to personal loans – the most common unsecured loans in the market that don’t require any form of collateral. Note that lenders do not offer top-up loans to every customer who applies for it. Only upon meeting some basic eligibility parameters do lenders extend the option of loan top-ups to customers.

Top-up Loans from Qbera – Here is what you should know

If you are an existing customer with Qbera, you’ll be eligible for a top-up loan after you’ve paid a minimum of 9 EMIs on your current, ongoing loans. The best thing about a loan top-up from Qbera is that you can alter your loan tenure based on your current repayment capability.

Say for instance you’ve taken a loan for Rs. 5 Lakhs and you’ve paid the 9 EMIs. Post payment of the 9 EMIs, you’ll have a certain amount X (in this case about Rs. 4 lakhs) that remains (your loan outstanding after payment of the 9 EMIs). Say you require a top-up loan amount of Rs. 10 Lakh – in this case, the amount that remains from your previous loan of Rs. 5 lakh will cease to remain, and the balance amount (from the Rs. 10 Lakh) will be disbursed to your bank account. You can now choose a fresh tenure based on your repayment capabilities.

Qualifying for a top-up loan

Note that with any lender, not all applicants are offered top-up loans. There are certain parameters that must be met for an applicant to be offered the option of a loan top-up. Let’s take a look:

Your repayment history

As a customer, if you’ve made regular repayments on your existing loan with Qbera (for the first 9 months in this case), you will qualify for a top-up. In case you’ve defaulted on one or more of your EMIs, you will be ineligible as your profile would’ve failed to meet the permissible standards to qualify for a top-up.


You must be actively employed when you apply for a top-up loan. This is to ensure that you are able to make regular monthly repayments against the amount you borrow.

Credit Score

Your profile should meet the minimum credit score criteria in order for you to qualify for a top-up loan from Qbera. Qbera offers instant loans to individuals with a minimum credit score of 600.

View a complete list of our FAQs at our help center

Interest Rate & Other Charges

Interest Rate
11.99% to 35.99%
Processing Fee
1% to 5% of total loan amount
Loan Amount
₹1,00,000 to ₹15,00,000
Loan Tenure
12 to 60 months
Getting a Qbera Smart Loan is Simple
Fill out our online application form
Step 1: Online Application Form
Get approved instantly
Fill out our online application form by answering a few questions about yourself, your employment, your education, expenses and needs. This process would take no longer than 10 minutes.
Connect your Bank Account
Step 2: Connect bank account
Submit your bank statements
Connect securely to your bank via netbanking and submit bank statements as part of the easy loan application form. Alternatively, you can upload bank generated pdf bank statements.
Select your loan term
Step 3: Loan term
Choose your Loan Term
Using our proprietary Credit Scoring Algorithm we determine your loan eligibility in real-time. Our algorithm uses the information about you, to determine your future potential and help you get the best rate instantly.
You’re done! Get the money in your Bank Account as early as tomorrow.
Example: A loan offer of ₹2 lac, for a tenure of 3 years at an interest Rate of 16.6% (on a reducing principal) and a processing fee of 2.5%. Translates to:
  1. Processing Fee deduction of ₹5000 (2.5% of 2 Lacs) from loan amount, thus, the amount credited to your account will be ₹1.95 Lacs
  2. EMI of ₹7091 per month
  3. Total payable amount in 3 years = 36 times ₹7091 = ₹2,55,276
  4. Total Interest paid in 3 years = ₹55,276, hence, annual interest paid = ₹18,425 (which translates to an effective flat annual rate of interest of 9.21%)
Repaying a Qbera Smart Loan is just as Simple
Repay your loan with automatic EMI payments.
  • Age: 21-57 years old
  • Net Monthly Income must be more than Rs. 18,000.
  • No defaults in the last 24 months.
  • Aadhaar Card
  • PAN Card
  • Current Address Proof


"I am really happy that I got a loan from Qbera. My application has been rejected by lenders in the past without giving any explanation for rejection. Qbera approved my loan with minimum documents. Thanks a lot once again."



"I would like to thank Qbera for speedy loan processing. I was having a tough time in deciding which bank would actually take my request for a loan as the loan was supposed to be for credit card payoff. I was forced to use my credit card for an unforeseen expense which I could not avoid and was finding it tough to pay back due to the high interest cost on credit cards. I did not want to make many enquiries as many requests can lower the CIBIL score. I contacted Qbera on a Monday and by evening itself they had an offer for me. They kept me informed through every step of the process and were also flexible with regards to my commitments. In the end, the loan was disbursed within two days of documents submission. Thank you Qbera for simplifying the process and helping me find a loan. " Show more...



"It was a nice experience with Qbera. I have never seen such an easy process for getting a loan, especially when you need it the most. Thank you Qbera for your support."



"I had a hassle-free experience with Qbera. It was a very easy application procedure and in a short span of 3 days I got my loan credited to my account. Thank you so much for the support Team Qbera"



"It was very easy to get a loan from Qbera. I just applied on their website and got a confirmed offer immediately. The amount was transferred soon after. Will give it 5 out of 5"



"It's good and quick response from the Qbera team to get the loan. They are very good at the communicating the things properly and appropriately"

Are you ready to get your Qbera Smart Loan?
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We are a Bangalore-based company offering digital, quick, hassle-free personal loans to people when they need them.

Loan amounts range from Rs.1,00,000 to Rs.15,00,000. APR ranges from 11.99% to 35.99%. Loan lengths range from 12 to 60 months. Administration fee ranges from 1% to 5%.

* Subject to Risk Profile

Need Help?
Contact our support team via WhatsApp by clicking below:

E-mail: contact@qbera.com
Phone: 1800 4198 121
Whatsapp:+91 72080 56906
2nd Floor, Featherlite Vista Building,
MV Jayaram Road,
1st Main, Vasanth Nagar.
Bangalore 560 052

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