Need ₹10 L for interior? Top-up home loan at 8.2% beats personal loan at 13.5%, saving ₹2.7 L interest over 5 yrs. Processing: top-up 7 days, personal 2 days. Tax: top-up eligible u/s 24(b) if used for renovation, personal loan no benefit. Prepay: top-up zero, personal 4%. We list 4 banks offering instant top-up with minimal docs. Eligibility: ≥12 months EMI track-record, LTV <75%. Keywords: top-up loan benefit, personal loan vs top-up, renovation finance.