Home loan balance transfer fees and charges for self-employed individuals
Go through all the fees and charges applicable before applying for a home loan balance transfer.
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 for balance transfer |
9.50%* to 15.00%* p.a. |
Rate of interest for top-up loan |
10.00%* to 18.00%* p.a. |
Processing fees |
Up to 7% of the loan amount |
Bounce charges |
For loan amounts up to Rs. 15 lakhs: Rs. 500 |
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 |
Loan statement charges |
Up to Rs. 500 + GST as applicable |
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How to apply for a home loan balance transfer

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