VENUE AND DECOR
Based on the size of the venue, a wedding setup can easily cost a couple of lakhs. Your wedding budget would be influenced by the cost of the venue. In this case, a top-up loan would be the best way to pay for it.
WEDDING PLANNERS
When you start to think about your wedding, a wave of innumerable, frequently unrelated details will wash over your head. When you engage a wedding planner, you will be relieved of the responsibility of worrying about the event's particulars. Even if the event is taking place, the wedding planner is in the ideal position to set your mind at ease, reassure you, and provide you with moral support so that you enjoy your own wedding party.
PHOTOGRAPHY
If you don't hire a professional photographer, all the work you put into getting ready and setting up the venue will be for nothing. This is not where exceptions should be made. A good photography team can assist you with your pre-wedding shoot and capture the best candid moments on your big day.
Features and benefits of our loan against property balance transfer

All you need to know about our loan against property balance transfer
Watch this video to know everything about our loan against property balance transfer: Features and benefits, fees and charges, eligibility criteria, and more.
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Low interest rates
Salaried professionals can get a competitive interest rate starting from 9% to 14% (Floating rate of Interest) p.a. on a balance transfer.
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Top-up loan of up to Rs. 10.50 Crore*
Be eligible for a top-up loan of up to Rs. 10.50 Crore* on transferring your existing loan to us.
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Multiple end-use options
Use the loan to manage your big spending on weddings, higher education, medical emergencies, home renovation, and more.
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Tenure of up to 15 years*
Manage your loan conveniently with a long repayment tenure of up to 15 years*.
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Speedy approval
Get a quick approval on your loan application soon after your document verification
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No foreclosure charges*
An individual borrower with a floating rate of interest can make a part prepayment or foreclose the entire loan without an additional charge.
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Externally benchmarked interest rates
You can opt for an interest rate, which is linked to an external benchmark, such as the Repo Rate, and benefit from favourable market conditions.
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*Terms and conditions apply
Loan against property EMI calculator
Enter a few details and check your loan against property EMIs.
Eligibility criteria and documents required
Any salaried individual can apply for our loan against property balance transfer 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: Minimum age: 25 years* (18 years for non-financial property owners)
Maximum age: 85 years* (including non-financial property owners)
*Age of the individual applicant/ co-applicant at the time of loan maturity.
*Higher age of co-applicant may be considered up to 95 years basis 2nd generation (legal heir) meeting age norms and to be taken as co-applicant on loan.
- CIBIL Score: A CIBIL Score of 700 or higher is ideal to get an approved loan against property balance transfer.
- Employment status: As a salaried applicant, you must be employed with a stable income source from a public or a private company with a minimum of 3 years of work experience.
Documents required
- Proof of identity/ residence
- Property-related documents (Mortgage documents, Title deed)
- Proof of income (latest salary slips, IT Returns),
- Proof of employment (ID card issued by employer), and
- Account statements for the last 6 months
Note: This is an indicative list that may change based on your actual loan application.
Check your loan against property balance transfer eligibility
Find out how much loan amount you can get.
How to apply for a loan against property balance transfer

Applicable fees and charges
We advise you to read about our fees and charges thoroughly before applying.
Types of fees |
Applicable charges |
Rate of interest (floating rate of interest) |
9% to 14% per annum |
Processing fee |
Up to 3.54% of the loan amount (inclusive of applicable taxes) |
Documentation charges |
Up to Rs. 2,360/- (inclusive of applicable taxes) |
Flexi fee |
Term Loan - Not applicable |
Prepayment charges |
Full prepayment
Part-prepayment
Note: If all borrowers and co-borrowers are individuals, loan availed on floating interest rates, and loan taken for purposes other than business use, then there will be no foreclosure/ part-prepayment charges. |
Annual maintenance charges |
Term Loan: Not applicable |
Bounce charges |
In case of default of repayment instrument, Rs. 1,500/- per bounce will be levied |
Penal interest |
Penal interest is applicable in the following scenarios: |
Stamp duty (as per respective state) |
Payable as per state laws |
Mandate rejection charges |
Rs. 450/- per month from the first month of due date for mandate rejected by customer's bank until the new mandate is registered |
Broken period interest/ pre-EMI interest |
Broken period interest/ pre-EMI interest shall mean the amount of interest on Loan for the number of day(s) which is(are) charged in two scenarios:
Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged:
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Mortgage origination fees |
Up to Rs. 6,000/- per property (inclusive of applicable taxes) |
Property insight (if availed) |
Rs. 6,999/- per property (inclusive of applicable taxes) |
Mandate registration charges |
In case of UPI mandate registration, Re. 1 (inclusive of applicable taxes) will be collected from the customer |
Frequently asked questions
It is recommended that you choose a loan against property balance transfer when your present loan against property lending terms are no longer feasible for you. Transferring your loan against property balance to a different lender may entitle you to more competitive interest rates as well as the ability to get a longer repayment tenure along with a top-up loan.
Anyone with an existing loan against property can apply for a balance transfer with us. Choose us for low interest rates, top-up loan up to Rs. 10.50 Crore* and convenient repayment tenure. Your age, employment status, and city of residence are some of the key standards that you should meet for loan approval.
A salaried Indian citizen residing in India, between the age group of 25 years to 85 years is eligible for the loan. Apart from that, you should have a stable income source and should be employed with a public or private firm. You must also carry an experience of minimum 3 years.
*Terms and conditions apply
If you are planning to apply for a loan against property balance transfer, you must be ready with some basic paperwork. A salaried applicant should have their KYC documents, proof of income (salary slips), property documents like title deeds, and account statements for the past 6 months, etc. handy.
You can repay the total sum borrowed over a convenient repayment tenure of up to 15 years*.