A Balance Transfer allows you to shift your existing home loan to another bank offering a lower interest rate. This helps you reduce your monthly EMI, save on total interest, and enjoy better loan terms with easy and hassle-free processing.
Lower Interest Rates – Reduce your EMI by switching to a lender with better rates.
Huge Interest Savings – Save a significant amount over your loan tenure.
Top-Up Loan Facility – Get extra funds for renovation or personal needs.
Flexible Repayment Options – Choose a tenure that suits your budget.
Quick & Smooth Processing – Easy documentation and fast approval.
Better Customer Service – Move to a bank with improved support and features.
Borrowers with an existing home loan.
Individuals who have paid 6–12 months of EMIs on their current loan.
Salaried or self-employed individuals with a stable income.
Applicants with a good repayment history and CIBIL score above 700.
Anyone looking to reduce EMI or switch to better loan terms.
Aadhaar Card & PAN Card
Latest passport-size photographs
For Salaried:
Salary slips (last 3–6 months)
Bank statements (last 6 months)
Form 16 / Income Tax Returns
For Self-Employed:
ITR of last 2–3 years
Business proof / GST certificate
Profit & Loss statement, Balance Sheet
Bank statements (6–12 months)
Current home loan statement
Previous 12 months EMI repayment history
Sanction letter from existing bank
Foreclosure/Outstanding letter
Property documents (Agreement, NOC, Index, etc.)
Monthly EMI: ₹0
Total Payment: ₹0
Total Interest: ₹0
Total Months: 0
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