Home Loan Balance Transfer Guides

Transfer your home loan to a bank with lower interest rates and save thousands on your EMI

Potential Savings Example

Loan Amount

₹50 Lakhs

Rate Reduction

10% → 8.5%

Monthly Saving

4,493

Total savings over 15 years: ₹8,08,790

Why Consider Balance Transfer?

Lower Interest Rates

Reduce your interest rate by 1-2% and save lakhs over the loan tenure

Reduced EMI

Lower your monthly EMI burden and improve cash flow

Top-up Loans

Get additional funds for your needs at attractive rates

Better Features

Enjoy improved loan features and customer service

Bank-Specific Balance Transfer Guides

Explore detailed guides for each bank including interest rates, eligibility criteria, required documents, and step-by-step process

HDFC Bank logo

HDFC Bank

Balance Transfer Guide

Interest Rate7.9% - 8.65%
Processing fee waiver during festive seasons
Top-up loan up to ₹75 lakhs
View Complete Guide
State Bank of India logo

State Bank of India

Balance Transfer Guide

Interest Rate7.5% - 8.15%
NIL processing fees - Save up to ₹50,000 compared to other banks
Top-up loan up to ₹50 lakhs
View Complete Guide
ICICI Bank logo

ICICI Bank

Balance Transfer Guide

Interest Rate8% - 8.7%
Cashback up to ₹5,000 on digital applications
Top-up loan up to ₹1 crore
View Complete Guide
Axis Bank logo

Axis Bank

Balance Transfer Guide

Interest Rate8.05% - 8.75%
12 EMI waiver for women borrowers
Top-up loan up to ₹50 lakhs
View Complete Guide
Kotak Mahindra Bank logo

Kotak Mahindra Bank

Balance Transfer Guide

Interest Rate8.1% - 8.85%
Zero processing fee campaigns
Top-up loan up to ₹75 lakhs
View Complete Guide
Bank of Baroda logo

Bank of Baroda

Balance Transfer Guide

Interest Rate7.35% - 8.1%
Processing fee discounts during festive seasons
Top-up loan up to ₹30 lakhs
View Complete Guide
Punjab National Bank logo

Punjab National Bank

Balance Transfer Guide

Interest Rate7.85% - 8.55%
Concession for government employees
Top-up loan up to ₹25 lakhs
View Complete Guide
LIC Housing Finance logo

LIC Housing Finance

Balance Transfer Guide

Interest Rate7.9% - 8.65%
Special rates for LIC policyholders
Top-up loan up to ₹50 lakhs
View Complete Guide
Canara Bank logo

Canara Bank

Balance Transfer Guide

Interest Rate7.4% - 8.1%
0.50% special concession for women borrowers
Top-up loan up to ₹25 lakhs
View Complete Guide
Union Bank of India logo

Union Bank of India

Balance Transfer Guide

Interest Rate7.6% - 8.3%
Processing fee discounts for existing customers
Top-up loan up to ₹25 lakhs
View Complete Guide
YES Bank logo

YES Bank

Balance Transfer Guide

Interest Rate8.2% - 8.9%
Processing fee waivers during campaigns
Top-up loan up to ₹75 lakhs
View Complete Guide
Indian Bank logo

Indian Bank

Balance Transfer Guide

Interest Rate7.75% - 8.45%
Low processing fee of 0.25%
Top-up loan up to ₹20 lakhs
View Complete Guide
Central Bank of India logo

Central Bank of India

Balance Transfer Guide

Interest Rate7.95% - 8.65%
Special rates for government employees
Top-up loan up to ₹25 lakhs
View Complete Guide
Indian Overseas Bank logo

Indian Overseas Bank

Balance Transfer Guide

Interest Rate8.1% - 8.8%
Special rates for government employees
Top-up loan up to ₹25 lakhs
View Complete Guide
UCO Bank logo

UCO Bank

Balance Transfer Guide

Interest Rate8.05% - 8.75%
Special rates for government employees
Top-up loan up to ₹25 lakhs
View Complete Guide
IDFC First Bank logo

IDFC First Bank

Balance Transfer Guide

Interest Rate8.25% - 8.95%
Zero foreclosure charges
Top-up loan up to ₹50 lakhs
View Complete Guide
AU Small Finance Bank logo

AU Small Finance Bank

Balance Transfer Guide

Interest Rate8.5% - 9.2%
Personalized service with dedicated RM
Top-up loan up to ₹25 lakhs
View Complete Guide
Bajaj Finserv logo

Bajaj Finserv

Balance Transfer Guide

Interest Rate8.6% - 9.3%
Quick digital approvals within 24-48 hours
Top-up loan up to ₹50 lakhs
View Complete Guide
Aditya Birla Capital logo

Aditya Birla Capital

Balance Transfer Guide

Interest Rate8.7% - 9.4%
Aditya Birla Group brand trust and reliability
Top-up loan up to ₹50 lakhs
View Complete Guide
Fullerton India logo

Fullerton India

Balance Transfer Guide

Interest Rate8.8% - 9.5%
Flexible loan solutions for diverse needs
Top-up loan up to ₹30 lakhs
View Complete Guide

Ready to Transfer Your Home Loan?

Let our experts help you find the best balance transfer deal and guide you through the entire process