Trusted by 3 lakh+ customers
Refinance your existing home loan and get a top-up loan of Rs. 1 crore* or higher. With our home loan balance transfer facility, transfer your existing home loan to us and avail of additional top-up that you can use to manage extra expenses. Also, get a convenient repayment tenure of 30 years* and added benefits like minimal documentation, foreclosure facility, attractive interest rate starting at 7.55%* p.a.
Features and benefits of our home loan balance transfer & top-up loan
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Top-up loan of Rs. 1 crore* or higher
Transfer your existing home loan to us and avail of a top-up loan of up to Rs. 1 crore* or higher. -
Low interest rates
With our low interest rates starting at 7.55%* p.a., refinance your home loan and pay EMIs as low as Rs. 699/lakh*..
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No restrictions on top-up use
Use the top-up loan amount of Rs. 1 crore* or higher to manage situations like medical emergencies, home repairs, education, and any other pressing needs.
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Convenient tenure
Repay the top-up loan over a long tenure of 30 years* and manage your finances comfortably. -
Foreclosure facility
Individual borrowers with a floating rate of interest can make a part prepayment or foreclose the entire loan without paying an additional fee. -
Minimal documentation
Balance transfer process on home loans can be lengthy. We keep our document requirements to a minimum, ensuring a hassle-free process. -
Externally benchmarked loans
Choose an interest rate linked to an external benchmark, such as the Repo Rate, and benefit during favourable market conditions. -
Online account management
You can easily check your loan status, EMI schedule, and download your statement of account, and other documents on our customer portal - My Account.
Eligibility criteria and documents required
Anyone can apply for our home loan balance transfer & top-up loan facility as long as they meet the criteria mentioned below.
Eligibility criteria
- Nationality:
You must be an Indian citizen residing in India with property in a city we operate in. - Age:
A salaried/ professional applicant must be between 23 years to 65 years, and a self-employed professional must be between 23 years to 75 years.
*The upper age limit is considered as the age at the time of loan maturity. - CIBIL Score:
A CIBIL Score of 725 or higher is ideal to get your home loan balance transfer approved. - Occupation:
Salaried employee, a professional individual, and a self-employed individual.
Documents required
- KYC documents (identity and address proof)
- Proof of income (salary slips or P&L statement)
- Proof of business (for self-employed applicants), and
- Account statements for the last 6 months
How to apply for a home loan balance transfer & top-up loan
Step-by-step guide to applying for a home loan balance transfer & top-up loan
- Click on the 'APPLY' button on this page.
- Enter your full name, mobile number, your 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.