Features and benefits of our home loan balance transfer

Read on to know why our home loan balance transfer is a great option.

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Features and benefits of our home loan balance transfer & top-up loan

All you need to know about our home loan balance transfer 01:34 ‌

All you need to know about our home loan balance transfer

Watch this video to know everything about our home loan balance transfer: Features and benefits, fees and charges, eligibility criteria, and more.

  • Top-up of

    Top-up of up to Rs. 1 crore* or higher

    Using our home loan balance transfer facility, salaried professionals can avail of a top-up loan of up to Rs. 1 crore* or higher.

  • Low interest rates

    Low interest rates

    Benefit from our low interest rates starting at 8.50%* p.a. by refinancing your home loan. Pay EMIs as low as Rs. 769/lakh*.

  • No restrictions on top-up usage

    No restrictions on top-up usage

    You can use the top-up amount for medical emergencies, home renovation, wedding expenses, higher education and similar urgent needs.

  • Tenure of up to 30 years*

    Tenure of up to 30 years*

    Manage your loan comfortably with our convenient repayment tenure of up to 30 years*.

  • Foreclosure facility

    Foreclosure facility

    Salaried professionals who opt for floating interest rates can make a part prepayment or foreclose the entire loan without a paying an additional fee.

  • Minimal documentation

    Minimal documentation

    The balance transfer process on home loans can be time-consuming. We keep our document requirements to a minimum, ensuring a hassle-free process.

  • Externally benchmarked interest rates

    Externally benchmarked interest rates

    You can opt for an interest rate which is linked to an external benchmark, such as the Repo Rate. This may benefit you during favourable market conditions.

  • Online account management

    Online account management

    You can access your loan status and EMI schedule online, and download your statement of account, and other documents on our customer portal - My Account.

  • *Terms and conditions apply

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How to apply for a home loan balance transfer & top-up loan

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Step-by-step guide to applying for a home loan balance transfer & top-up loan

  1. Click on the 'APPLY' button on this page.
  2. Enter your full name, mobile number, employment type, and the type of loan you wish to apply for.
  3. Generate and submit your OTP to verify your phone number.
  4. Next, choose your current home loan lender from the drop-down and enter your monthly salary and the loan amount required.
  5. In the next step, enter additional details like your DOB, PAN number, email Id, current EMI amount and other details.
  6. Finally, click on the ‘SUBMIT’ button.

That is it! Your application is submitted. Our representative will connect with you to guide you through the next steps.