Balance Transfer
If you're paying a high interest rate on an existing personal, business, home, or property loan, we can help you compare balance transfer offers from our partner lenders to potentially lower your EMI or free up additional funds.
Eligible Loans
Personal, home, business, LAP
Interest Rate
8.50% p.a. onwards
Tenure
Up to remaining original tenure
Top-up
Often available on approval
How It Works
From enquiry to disbursal in four steps
A clear, guided process so you always know what happens next.
Share your requirement
Tell us the loan type and amount you need, on a call, on WhatsApp, or through our eligibility check.
We compare lender offers
We match your profile against our partner banks and NBFCs to find offers you're likely to qualify for.
Submit your documents
We guide you through documentation and submit your application directly to the chosen lender.
Get your funds disbursed
Once the lender approves your application, funds are disbursed directly to your account.
Eligibility Criteria
- A clean repayment track record on the existing loan
- Minimum 12 months of repayment history (varies by lender)
- Credit score of 700 or above generally preferred
- Outstanding loan amount above the lender's minimum threshold
Documents Required
- PAN Card and Aadhaar Card
- Existing loan statement and sanction letter
- Last 12 months' loan repayment track record
- Income proof: salary slips/ITR and bank statements
FAQ
Balance Transfer questions
It's generally worth exploring if the new lender's rate is meaningfully lower than your current rate and you have enough remaining tenure for the interest savings to outweigh any transfer or processing charges.
Many lenders offer a top-up loan alongside a balance transfer, subject to your eligibility and the property or income assessment at the time of transfer.
Explore More
Other loan services
Ready to apply for a balance transfer?
Talk to our team and we'll match you with the right lender for your profile.