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Home Loan Balance Transfer

Home Loan Balance Transfer involves the process of transferring your existing Home Loan account to another bank or NBFC. People usually opt for a Balance Transfer if they come across a financial institution offering a lower rate of interest and better services.

Key Features of Home Loan balance Transfer

Interest Rate : It gives you an opportunity to change your bank or NBFC if you want to lower your interest rates.
Fast Processing : You don’t have to wait any longer for this process to happen. Just like any other loan application, this process also takes only 7 to 10 days for the completion. To get a faster approval, you can apply for it online.
Top-up : At the time of the transfer of the existing loan, you also get a facility of topping up your loan amount. You can apply for more loan amount along with the balance you are about to transfer.
Customize Repayment Options : While switching to a new bank, you can re-negotiate the loan terms with the new bank and ask them to extend the repayment tenure. Doing this will lower your monthly EMI which you will pay over a longer period of time.

How it Works

Apply online in less than 2 minutes

Quick Verification

We will review your application and give you a decision within minutes

Receive Loan

You will start receiving your loan offers and money will be with you within a few days

Home Loan Balance Transfer Interest Rate

BANK/NBFC	Floating interest rate	Per lac EMI	MCLR	Processing Fee	Pre Payment Charges	% Change in last 6 months
SBI	8.35% - 8.50% (For Women),	Rs.858 - Rs.868	8.00%	0.35% of Loan Amount or Rs 10000 plus service tax whichever is less, subject to minimum of Rs 2000 plus taxes *BT Offer- 0% till 30 June 2017	Nil	1.52%
ICICI BANK	8.65% - 8.80%(For women) 8.70% - 8.85%(For Others)	Rs.906(For women) Rs.909(For Others)	8.20%	0.50% - 1.00% of the loan amount or Rs. 1500/- (Rs. 2000/- for Mumbai, Delhi and Bangalore), whichever is higher + applicable Service Tax & Surcharge	N.A	1.44%
HDFC Ltd	8.35% - 8.55%	Rs.858 - Rs.871	16.15%	Up to 1.25% of the loan amount or ₹ 3,000 whichever is higher, plus applicable taxes	Nil	1.98%
LIC Housing	8.35% - 8.70%	Rs.858 - Rs.881	8.15%	Zero	Nil	No Change
Bank of Baroda	8.35% - 8.55%	Rs.858 - Rs.871	8.35%	Upto Rs.50 lacs 0.5 % of loan amount (min Rs.7500 & Rs.12500) + service tax Above Rs.50 lacs 0.25% of loan amount(min Rs.7500 & Rs.20000) + service tax	N.A	No Change
AXIS Bank	8.65%	Rs.877	8.25%	Up to 1% of the Loan amount subject to minimum of Rs.10,000/-	Nil	0.9%
DHFL	8.60% - 8.70%	Rs.874 - Rs.881		Rs.5,000 to Rs.20000 + document charges + Service Tax	Nil	2.46%
IDBI	8.35% - 8.40%	Rs.858 - Rs.861	8.80%	Nil	Nil	0.97%
Union Bank of India	8.75% - 8.80%	Rs.884 - Rs.887	8.50%	N.A	Nil	2.5%
Bank of India	8.65% - 8.70%	8.65% - 8.70% Rs.877 - Rs.881	8.50%	0.25% of loan amount Min.Rs.1,000 and Max. Rs.20,000/-	Nil	2.45%
Indiabulls Housing Finance Limited	8.65%(For Women) 8.70%(For others)	Rs.877(For Women) Rs.881(For others)		Upto 28 lacs = Rs.7500 - Rs.10000 28 lacs - 1.5 Cr = Rs. 10000 - 0.5% 1.5 Cr - 3 Cr = Rs. 25000 - 0.5 Above 3 Cr - 0.5% - 1%	Nil	2.46%
Corporation Bank	8.85%	Rs.890	8.75%	100% waiver under Festival Offer- 2016 (till 31-01-2017)	Nil	No Change
L&T Housing Finance	9.65% - 10.25% (for Salaried/ SEP) 9.65%-10.50%(SENP)	Rs.942 - Rs.982 (for Salaried/ SEP) Rs.942 - Rs.998(SENP)		0.25% -1%OR Rs.10000 which ever is higher +ST, subject to customer profile	Nil
United Bank of India	8.80%	Rs.887	8.80%	N.A	N.A
Tata capital Housing Finance ltd	8.65%(For Women) 8.90%(For Others)	Rs.877(For Women) Rs.893(For Others)		0.20% - 0.25% of the loan amount + Service tax	N.A	N.A
Shubham Housing Development Finance Company	12%-14%(For Salaried) - 15%-17%(For Self-employed)	Rs.1101-Rs.1244(For Salaried) - Rs.1317-Rs.1466(For Self-employed)		Rs.1101-Rs.1244(For Salaried) - Rs.1317-Rs.1466(For Self-employed)	N.A
HSBC Bank	8.85%	Rs.890	8.00%	1% of the loan amount applied for, subject to a minimum of Rs 10000 plus service tax. This fee is payable on application and is not refundable	Nil	N.A
Indian Bank	8.60%	874	8.60%	0.25% of loan amount with a maximum of Rs.20,000	Nil	2.92%
Deutsche Bank	10.50%	Rs.998	9.35%	12000 + Service Tax	Nil	N.A
Standard Chartered	9.35%	Rs.922	8.95%	0.5 % - 1.50%	Nil	1.55%
Federal Bank	9.57% - 9.82%	Rs.937 - Rs.953	8.95%	0.50% of the limit sanctioned with a minimum of 3,000+ST, maximum of 7,500+ST	N.A	No Change
Allahabad Bank	8.85%	Rs.890	8.60%	Nil	Nil	2.92%
Central Bank of India	8.50%	Rs.868	8.50%	Rs.20000/- or .50% of loan amount subject to maximum	Nil	2.38%
UCO Bank	8.75% - 8.90%	Rs.884 - Rs.893	8.60%	Nil (till 31.12.2016)	Nil	2.45%
Canara Bank	8.65% - 8.75%	Rs.877 - Rs.884	8.45%	Waived till 26.01.2017		1.96%
Kotak Bank	8.75%	Rs.884	8.85%	Zero	Nil	4.65%
Dena Bank	8.55% - 8.80%	Rs.871 - Rs.886	8.60%	0.50% of sanctioned limit		2.5%
Vijaya Bank	8.90%	Rs.893	Rs.893	N.A	N.A	0.49%
Syndicate Bank	8.75%	Rs.884	8.75%	Min. Rs.500/- & Maximum up to Rs.5000/-	N.A	2.43%
Citibank	8.80%	Rs.886	8.05%	Rs. 5000 (Application fee)	Nil	No Change
PNB Housing Finance	8.50% (for Salaried/ SEP for first 12 Months) 9.10% (For SENP for first 12 months)	Rs.868 (for Salaried/ SEP for first 12 Months) Rs.906 (For SENP for first 12 months)		0.25% - 0.5%	Nil	No Change
Oriental Bank of Commerce	8.60% - 8.70%	Rs.874 - Rs.881	8.60%	Nil	Nil	No Change
Indian Overseas Bank	8.65% - 8.90%	Rs.877 - Rs.893	8.65%	A flat rate of 0.58% of the loan amount- maximum of Rs. 10,190/- There is no hidden charge. This is subject to change from time to time without prior intimation.	N.A	1.95%
Punjab National Bank	8.65% - 8.75%	Rs.877 - Rs.884	8.45%	Nil	Nil	2.43%
Development Credit Bank	10.60%	Rs.1005	9.98%	1%	Nil	N.A
State Bank of Travancore	9.20% - 9.45%	Rs.913 - Rs.929	9.60%	upto Rs.25,000 - Nil Rs.25,000 above to Rs.2 lacs - Rs.500/- Rs.2 lacs above- 0.50% of the loan amount maximum Rs.10000/-	Nil	N.A
Bank of Maharastra	8.75% - 8.85%	Rs.884 - Rs.890	8.75%	0.25% of the loan amount (subject to maximum of Rs.25000/-)	Nil	No Change
Dhanalakshmi Bank	10.35% - 10.60%	Rs.988 - Rs.1005	10.10%	1.00 % of loan amount + service tax (subject to minimum of Rs. 10,000 + service tax)	N.A
Andhra Bank	9.50% - 9.70%	Rs.932 - Rs.945	8.65%	0.50% of the loan amount or maximum of Rs.10,000 + service tax	N.A
DHFL Vyasa Housing Finance	9.75% - 10.25%	Rs.945 - Rs.982		1% of the loan amount	N.A
GIC Housing Finance	10.25%	Rs.982		Rs.2500 + service tax	N.A
Gruh Finance Limited	9.75% - 15.25%	Rs.949 - Rs.1335		Up to 1% of the loan amount	N.A
India Infoline Housing Finance Ltd.	9.55% - 10.50%	Rs.935 - Rs.998		Up to 1% of the home loan	N.A

Documents of Home Loan Balance Transfer

Passport-size photographs

Complete application form for transfer issued by financial institutions.

Last six months bank statements.

Identity Proof (any one): PAN Card, Passport, Driving License or Voter's ID card or employee identity card (as identity proof and signature proof in case of government employees).

Address Proof: Leave and License Agreement / Utility Bill (not more than 3 months old) / Passport (any one).

Proof of Age

Complete set of documents related to the property

Home Loan Balance Transfer Calculator

Calculate your interest savings by using our Home Loan balance Transfer Calculator before you transfer your loan account to another bank or NBFC.

Current Loan

I had borrowed:

at an interest rate of:

for a period of:

EMIs Paid:

Prepayment fee:

My Current EMI is:

My outstanding balance is:

New Loan

I am left to pay back

At an interest rate of

EMIs to be paid

My new EMI will be

I end up saving

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What our Customer Says

Frequently Ask Questions

Q. What is Balance Transfer?

A. A Balance Transfer lets you transfer an existing loan to a new lender at a better rate of interest.

Q. When should I consider home loan transfer?

A. You should consider home loan transfer when:

The interest rate of your loan is higher than current market rates;
Your loan has a floating rate of interest and you want to reduce risk by opting for a fixed rate of interest; and
You want to lower your EMIs.

Q. When should I not transfer your home loan?

A. You should not transfer the home loan when:

You have repaid the loan for a long time;
Your current bank has a prepayment penalty; and
You plan to move out of the property in the near future.

Q. Will my refinance be affected by a prepayment penalty?

A. Most banks these days do not impose a prepayment penalty. If your bank asks for it, then you can request your new lending bank to take it into account. However, prepayment penalty depends entirely on case to case.

Learn More

Personal Loan

A personal loan is a credit facility that does not require collateral and is offered by banks and NBFCs to employed individuals. IndiaLends, the largest online personal loan provider in the country, has assisted over 150,000 customers and collaborates with more than 70+ RBI-Approved partners to offer personal loans tailored to different customer profiles. Here are some notable features of the convenient personal loans available through IndiaLends.

Personal Loan Interest Rate

The interest rates offered to customers are subject to variation based on their individual profiles. Typically, loan rates begin at approximately 10.25%. To improve the likelihood of obtaining a loan at a lower interest rate, it is advisable to maintain a strong credit history. Ideally, a CIBIL score above 750 is considered favorable.

Personal Loan Tenure

The repayment period for a Personal Loan typically ranges from 3 months to 6 years, allowing borrowers to choose a tenure that aligns with their requirements. Whether one needs a short-term or long-term loan, they have the flexibility to select a suitable repayment duration. However, it is crucial to ensure that the Equated Monthly Installment (EMI) amount is manageable and can be comfortably repaid each month.

Documents required to apply for a Personal loan

Financial institutions typically require certain documents before approving and disbursing a loan. These documents include identification proof, address proof, a copy of the PAN card, salary slips, recent bank statements, photographs, ECS mandates, and post-dated cheques.

Personal Loan With Zero Pre-Payment Fee

Certain NBFCs offer customers the flexibility to fully repay the loan amount or make partial pre-payments towards the principal. However, specific terms and conditions are typically associated with such pre-payments. For instance, pre-payment is usually allowed after 12 months, and a pre-payment fee may be levied on the repaid amount. Nevertheless, these terms may vary depending on the product, so it is essential to seek clarification from your lender regarding pre-payment policies before the loan disbursal.

Low-Interest Personal Loan

As discussed earlier, the interest rates for personal loans can vary based on the customer's profile. IndiaLends employs algorithms to strive to obtain the most competitive interest rate product available for each customer.

Personal Loan From Banks

Banks are financial institutions registered with the Reserve Bank of India (RBI) and engaged in various activities such as accepting deposits and providing loans. In addition to universal banks, the RBI has recently introduced payment banks and small finance banks. However, only universal banks and small finance banks are authorized to lend to individuals. Applying through IndiaLends offers the simplest method to obtain a personal loan from the leading banks in the country. IndiaLends has established collaborations with renowned banks and NBFCs, including HDFC, ICICI, RBL, IndusInd, Kotak, Yes Bank, and more.

Personal Loan From NBFCs

NBFCs are non-banking financial institutions registered with the Reserve Bank of India (RBI), primarily engaged in lending to individuals and businesses. Unlike banks, NBFCs are generally not authorized to accept customer deposits. They rely on borrowing funds from banks for their lending activities, which often results in comparatively higher interest rates on Personal Loans than those offered by banks. Additionally, NBFCs tend to cater to a higher-risk profile segment, leading to higher acceptance rates for loan applications.

New To Credit Loans

Although CIBIL and Experian maintain records for more than 150 million individuals, a significant majority have never borrowed from an RBI-regulated financial institution that is a member of a credit bureau. As a result, these individuals lack a credit bureau record, meaning they have no credit history or credit score. Due to the absence of a credit file, they often encounter difficulties in securing loans from financial institutions. However, IndiaLends has forged special partnerships with various banks, enabling them to assist some individuals who are new to credit (with thin credit files) in accessing low-interest personal loans.

Recently Declined Personal Loan Application

A significant number of consumers face loan application rejections from banks due to factors such as inadequate credit history, limited affordability, insufficient supporting documents, and more. However, IndiaLends can assist some of these customers in obtaining affordable loans through collaborations with specialized NBFCs.

Banks and NBFCs Partners

IndiaLends has established partnerships with a comprehensive range of lending institutions, encompassing both prominent and smaller entities. Our collaborations include renowned banks such as HDFC, ICICI, SBI, Kotak, IndusInd, Tata Capital, Bajaj Finserv, IDFC First, IIFL, IndiaBulls, RBL Bank, DHFL, Aditya Birla Finance, American Express, among others, ensuring a wide array of options for our customers.

Loans For Phones / Desktops / Laptops And Tablets

IndiaLends offers easy installment personal loans starting from as low as Rs. 25,000 for customers who wish to purchase the latest gadgets, whether it's an iPhone 7 or a MacBook Pro. This allows individuals to acquire their desired gadgets through manageable loan amounts and easy repayment options.

EMI Without Credit Cards

While e-commerce marketplaces offer convenient EMI options for significant purchases, these benefits are typically limited to customers who already possess credit cards. Unfortunately, this privilege extends to only a small proportion of the population, approximately 10 million individuals across the country. However, IndiaLends provides an accessible solution through its online personal loan, enabling individuals to swiftly make large-ticket purchases on e-commerce platforms and convert them into affordable EMIs. This expands the opportunity for a broader segment of customers to enjoy the convenience of EMI-based shopping on e-commerce portals.

Credit Report

A credit report serves as a financial report card, encompassing historical data regarding an individual's loans and credit cards. Various types of loan accounts are included, such as Credit Cards, Personal Loans, Home loans, gold loans, Car loans, Two-Wheeler loans, business loans, Loan against Property, Agriculture loans, and more. Each account provides detailed information about repayment history, loan amount, tenure, open and close dates, and other relevant details. Credit Bureaus utilize this information to assess the risk associated with an individual, resulting in a credit score. The credit score ranges from 300 to 900, and a higher score increases the likelihood of loan approval. In India, there are four credit bureaus—CIBIL, Experian, Equifax, and Hi-Mark—providing credit scores to individuals. IndiaLends has partnered with Experian and Hi-Mark credit bureaus to offer its customers free credit reports and analysis. Additionally, IndiaLends customers also receive complimentary credit report refreshments every quarter for the first 12 months.

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LEARN MORE

Personal Loan

A personal loan is a credit facility that does not require collateral and is offered by banks and NBFCs to employed individuals. IndiaLends, the largest online personal loan provider in the country, has assisted over 150,000 customers and collaborates with more than 70+ RBI-Approved partners to offer personal loans tailored to different customer profiles. Here are some notable features of the convenient personal loans available through IndiaLends.

Personal Loan Interest Rate

The interest rates offered to customers are subject to variation based on their individual profiles. Typically, loan rates begin at approximately 10.25%. To improve the likelihood of obtaining a loan at a lower interest rate, it is advisable to maintain a strong credit history. Ideally, a CIBIL score above 750 is considered favorable.

Personal Loan Tenure

The repayment period for a Personal Loan typically ranges from 3 months to 6 years, allowing borrowers to choose a tenure that aligns with their requirements. Whether one needs a short-term or long-term loan, they have the flexibility to select a suitable repayment duration. However, it is crucial to ensure that the Equated Monthly Installment (EMI) amount is manageable and can be comfortably repaid each month.

Documents required to apply for a Personal loan

Financial institutions typically require certain documents before approving and disbursing a loan. These documents include identification proof, address proof, a copy of the PAN card, salary slips, recent bank statements, photographs, ECS mandates, and post-dated cheques.

Personal Loan With Zero Pre-Payment Fee

Certain NBFCs offer customers the flexibility to fully repay the loan amount or make partial pre-payments towards the principal. However, specific terms and conditions are typically associated with such pre-payments. For instance, pre-payment is usually allowed after 12 months, and a pre-payment fee may be levied on the repaid amount. Nevertheless, these terms may vary depending on the product, so it is essential to seek clarification from your lender regarding pre-payment policies before the loan disbursal.

Low-Interest Personal Loan

As discussed earlier, the interest rates for personal loans can vary based on the customer's profile. IndiaLends employs algorithms to strive to obtain the most competitive interest rate product available for each customer.

Personal Loan From Banks

Banks are financial institutions registered with the Reserve Bank of India (RBI) and engaged in various activities such as accepting deposits and providing loans. In addition to universal banks, the RBI has recently introduced payment banks and small finance banks. However, only universal banks and small finance banks are authorized to lend to individuals. Applying through IndiaLends offers the simplest method to obtain a personal loan from the leading banks in the country. IndiaLends has established collaborations with renowned banks and NBFCs, including HDFC, ICICI, RBL, IndusInd, Kotak, Yes Bank, and more.

Personal Loan From NBFCs

NBFCs are non-banking financial institutions registered with the Reserve Bank of India (RBI), primarily engaged in lending to individuals and businesses. Unlike banks, NBFCs are generally not authorized to accept customer deposits. They rely on borrowing funds from banks for their lending activities, which often results in comparatively higher interest rates on Personal Loans than those offered by banks. Additionally, NBFCs tend to cater to a higher-risk profile segment, leading to higher acceptance rates for loan applications.

New To Credit Loans

Although CIBIL and Experian maintain records for more than 150 million individuals, a significant majority have never borrowed from an RBI-regulated financial institution that is a member of a credit bureau. As a result, these individuals lack a credit bureau record, meaning they have no credit history or credit score. Due to the absence of a credit file, they often encounter difficulties in securing loans from financial institutions. However, IndiaLends has forged special partnerships with various banks, enabling them to assist some individuals who are new to credit (with thin credit files) in accessing low-interest personal loans.

Recently Declined Personal Loan Application

A significant number of consumers face loan application rejections from banks due to factors such as inadequate credit history, limited affordability, insufficient supporting documents, and more. However, IndiaLends can assist some of these customers in obtaining affordable loans through collaborations with specialized NBFCs.

Banks and NBFCs Partners

IndiaLends has established partnerships with a comprehensive range of lending institutions, encompassing both prominent and smaller entities. Our collaborations include renowned banks such as HDFC, ICICI, SBI, Kotak, IndusInd, Tata Capital, Bajaj Finserv, IDFC First, IIFL, IndiaBulls, RBL Bank, DHFL, Aditya Birla Finance, American Express, among others, ensuring a wide array of options for our customers.

Loans For Phones / Desktops / Laptops And Tablets

IndiaLends offers easy installment personal loans starting from as low as Rs. 25,000 for customers who wish to purchase the latest gadgets, whether it's an iPhone 7 or a MacBook Pro. This allows individuals to acquire their desired gadgets through manageable loan amounts and easy repayment options.

EMI Without Credit Cards

While e-commerce marketplaces offer convenient EMI options for significant purchases, these benefits are typically limited to customers who already possess credit cards. Unfortunately, this privilege extends to only a small proportion of the population, approximately 10 million individuals across the country. However, IndiaLends provides an accessible solution through its online personal loan, enabling individuals to swiftly make large-ticket purchases on e-commerce platforms and convert them into affordable EMIs. This expands the opportunity for a broader segment of customers to enjoy the convenience of EMI-based shopping on e-commerce portals.

Credit Report

A credit report serves as a financial report card, encompassing historical data regarding an individual's loans and credit cards. Various types of loan accounts are included, such as Credit Cards, Personal Loans, Home loans, gold loans, Car loans, Two-Wheeler loans, business loans, Loan against Property, Agriculture loans, and more. Each account provides detailed information about repayment history, loan amount, tenure, open and close dates, and other relevant details. Credit Bureaus utilize this information to assess the risk associated with an individual, resulting in a credit score. The credit score ranges from 300 to 900, and a higher score increases the likelihood of loan approval. In India, there are four credit bureaus—CIBIL, Experian, Equifax, and Hi-Mark—providing credit scores to individuals. IndiaLends has partnered with Experian and Hi-Mark credit bureaus to offer its customers free credit reports and analysis. Additionally, IndiaLends customers also receive complimentary credit report refreshments every quarter for the first 12 months.

Home Loan Balance Transfer

Starting Saving on Your EMIs Today

Apply Home Loan Balance Transfer

Home Loan Balance Transfer

Key Features of Home Loan balance Transfer

How it Works

Home Loan Balance Transfer Interest Rate

Documents of Home Loan Balance Transfer

Home Loan Balance Transfer Calculator

Q. What is Balance Transfer?

Q. When should I consider home loan transfer?

Q. When should I not transfer your home loan?

Q. Will my refinance be affected by a prepayment penalty?

PRODUCTS

RESOURCES

COMPANY

MORE

PERSONAL LOANS CITYWISE

PERSONAL LOANS BANKWISE

CREDIT SCORE

LEARN MORE

Home Loan
Balance Transfer