Home Loan Balance Transfer & Top-up Loan Interest Rate, Fees & Charges

Go through all the fees and charges applicable before applying for a home loan balance transfer & top-up loan.

Applicable fees and charges

We advise you to read about our fees and charges thoroughly before applying.

Type of fee Applicable charges
Rate of interest Salaried Self-employed Doctors
8.50%* to 15.00%* p.a. 9.50%* to 15.00%* p.a. 8.80%* to 15.00%* p.a
Processing fees Up to 7% of the loan amount
Bounce charges For loan amounts up to Rs. 15 lakhs: Rs. 500

For loan amounts from Rs. 15,00,001 to Rs. 30,00,000: Rs. 1,000

For loan amounts from Rs. 30,00,001 to Rs. 50,00,000: Rs. 1,500

For loan amounts from Rs. 50,00,001 to Rs. 1,00,00,000: Rs. 2,000

For loan amounts from Rs. 1,00,00,001 to Rs. 5,00,00,000: Rs. 3,000

For loan amounts from Rs. 5,00,00,001 to Rs. 10,00,00,000: Rs. 5,000

For loan amounts more than Rs. 10 crores: Rs. 10,000.
Penal interest Up to 24% per annum in addition to the applicable interest rate on the overdue amount.
Secure fee Up to Rs. 10,000 + GST as applicable
Interest and principal statement charges NIL
Part-prepayment charges NIL
Foreclosure charges NIL
Hard Copy Loan Statement Charges Up to Rs. 500 per request + GST as applicable

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, your 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.