Balance Transfer & Top-Up Loans
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Balance Transfer & Top-Up Loans
Optimize your existing loans with our Balance Transfer and Top-Up solutions. Transfer your high-interest loans to us and enjoy rates up to 2% lower than your current lender, saving substantially on interest costs. Our Top-Up loans allow you to borrow additional funds over your existing loan amount at attractive rates, using the same collateral. Whether you need debt consolidation, home renovation, business expansion, or emergency funds, we offer customized solutions with loan amounts up to 90% of your property value and flexible tenures up to 20 years.
Why Choose Our Balance Transfer & Top-Up Loans?
Our solutions help you save money while accessing additional funds when needed. Enjoy benefits like nil/minimal processing fees, doorstep service, and quick processing within 72 hours. We offer top-up amounts up to ₹1 crore based on your repayment history and property value. Special schemes are available for existing customers with good repayment track records. Our digital process minimizes paperwork, and we provide complete transparency in charges and terms. With flexible prepayment options and dedicated relationship managers, we make loan management effortless.
- Interest rates up to 2% lower than current lenders
- Top-up amounts up to 90% of property value
- Tenure extension up to 20 years available
- No end-use restrictions on top-up funds
We make loan restructuring simple and beneficial. Our balance transfer facility is available for home loans, loans against property, and personal loans from other institutions. The top-up facility can be availed even if your original loan was from another lender. We consider the current market value of your property for top-up loans, not just the original valuation. Special concessions are available for corporate employees, professionals, and women borrowers. With our online account management, you can track both your original loan and top-up in one place.
Frequently Asked Questions
What is the minimum loan amount for balance transfer?
The minimum outstanding balance for transfer is ₹5 lakhs for home loans and ₹3 lakhs for other loans. There's no maximum limit - we can transfer loans up to ₹10 crores. The loan should have been running for at least 12 EMIs with satisfactory repayment history at your current lender.
What documents are needed for top-up loans?
For top-ups, we require: 1) Last 12 months loan repayment statements, 2) Updated property documents, 3) Income proof (if availing higher amount), 4) KYC documents. Existing customers may qualify for document-light processing based on their relationship with us.
Can I get both balance transfer and top-up together?
Yes, we offer combined balance transfer + top-up solutions where you can transfer your existing high-interest loan and take additional funds in a single transaction. This helps consolidate debt while meeting new financial needs, often with better terms than separate loans.
