Lower EMI, smarter switch.Transfer + top-up, ek hi jhatke me.
Already paying EMIs? Transfer your loan to a better lender, lower your rate, AND get a top-up — all with minimal documents and zero hassle.
Three wins in one move.
Lower EMI Forever
Move to a lender with a sharper rate. Even a 1% drop on a ₹50 L home loan saves ~₹6 L over 15 years.
Top-Up in Same Transfer
Get an additional 30–50% over your existing outstanding as fresh cash. No second application needed.
Reduce Tenure or EMI
Choose to keep EMI same and finish loan years earlier, OR lower the EMI keeping tenure same. Your call.
Minimal Docs
Most of your KYC and income docs are reusable. Existing loan statement + recent bank statement is enough.
Zero Foreclosure Cost
Floating rate home/personal loans have zero foreclosure charges by RBI mandate. We confirm before BT.
Any Loan Type
Home loan, LAP, business loan, personal loan, machinery loan — BT + Top-Up works across products.
When does BT make sense?
12+ EMIs Paid
Most lenders need at least 12 months of clean EMI history before allowing balance transfer in.
Rate Differential 0.5%+
If new lender offers ROI at least 0.5% lower (after all costs), the math typically works out positive.
Need Top-Up Cash?
Even without a rate drop, BT is worth it if you need extra cash and don't want a separate personal loan.
Clean Track Record
No EMI bounces in last 12 months, CIBIL still 700+. Otherwise new lender may decline BT.
What you'll need
- Existing loan account statement
- Last 6 months bank statement
- Existing sanction letter
- Updated salary slips / ITR
- Property docs (for home loan / LAP)
- Foreclosure letter from old lender
Switch banks in 7 days.
Rate Comparison
We compare new lender offers vs your existing rate to confirm BT savings.
Apply with New Lender
Submit application + docs. New lender does soft credit check.
Sanction & Foreclosure
New sanction issued. We get foreclosure letter from existing bank.
Transfer & Top-Up
New lender pays off old, balance becomes top-up credited to your account.
FAQs
Paying too much EMI? Let's fix that.
Free BT savings calculator. Share your current rate & outstanding — we'll show you exactly how much you'd save by switching.