Personal Loan Balance Transfer
Switch to a lower rate & shrink your EMI
We compare partner-bank offers, guide foreclosure, and move your loan — end-to-end, fast and secure.
Reduce Rate To
9.99% p.a.
Get Your Offer
Online 10 seconds
Digital Journey
End-to-End*
How It Works
Four simple steps — share details, compare offers, upload docs, and we help you switch seamlessly.
1
Share current loan details
Outstanding, rate & months left
⏱ ~2 min
2
Get real offers from Top Banks
Multiple partner banks, live rates and offers
⏱ ~10 seconds
3
Select best bank & upload documents
KYC, statements, salary slips — securely
⏱ ~2–5 min
4
Approval & Disbursement
Foreclosure assistance & quick disbursal
⏱ ~2–4 days
Why Choose Us
Get live rate offers online & no paperwork
AI-powered application will get offers, considering all bank-specific credit parameters.
Real offers
Our AI analyzes your profile—company, salary, loan amount, location, and existing EMIs—and applies bank-specific rules to deliver authentic, customized offers.
What you see is what you get
No verbal commitments. The exact rate, fees, and EMI shown in your offer are what you’ll get at disbursement. No false assurances—ever.
Personal Loan Balance Transfer – Key Information
FEATURES & BENEFITS
- Loans available for salaried individuals
- Loans are available from Rs 1,00,000/- to Rs 60,00,000/-
- Repayment tenures from Min 12 Months to Max 60 months
- Best in class rate of interest
- Loans at higher rates can be transferred to any bank with our balance transfer facility
- Simplified documentation
- Simple procedure, minimal documentation and quick approval
ELIGIBILITY CRITERIA
Personal Loan Interest Rate, Eligibility & EMI Calculator Online
- Minimum age of applicant: 21 years
- Maximum age of applicant at loan maturity: 60 years
- Minimum Net Monthly Income: Rs 20,000
- Maximum loan available: Rs 50 lacs
INTEREST RATE & CHARGES
| Rate of Interest | Depends on salary, company and loan amount. Please fill the details to get the rate of interest online. |
|---|---|
| Loan Processing Charges | Depends on salary, company and loan amount. Please fill the details to get the processing charges online + GST applicable. |
| Cheque Bounce Charges | Rs. 500 per cheque bounce + GST applicable |
| Prepayment / Foreclosure Charges | Nil (any loan amount) |
| Default Interest Rate | Max rate of interest (APR) 24% |
| Photocopy of Loan Agreement / Documents | Rs 250 per instance + GST applicable |
- * Subject to change as per bank's discretion from time to time
- * Loan approval is sole decision of the bank
- * GST as applicable will be levied
EXAMPLE
| Personal loan amount | Rs 20,00,000 |
|---|---|
| Rate of Interest | 10.99% p.a. |
| Loan Processing Charges | Rs 999 |
| GST | 18% on processing charges = Rs 180 |
| Tenure | 60 Months |
| EMI | Rs 43,475 |
| Total amount payable | Processing fee (999) + GST (180) + Interest for 60 Months (6,08,500) + Principal (20,00,000) = Rs 26,09,679 |
Ready to switch?
Start your Balance Transfer now. We’ll compare offers and guide you end-to-end.