Balance Transfer & Top-up
Move an existing loan to a better rate — and top it up if you need more.
Lower your EMITop-up fundsPersonal, home & LAP
At a glance
Usually unsecuredApproval based on income and credit profile
39+ lenders comparedSo your file goes where it fits best
Documents shared onceWe prepare and log your file with the lender
No charges to applyThe lender's own fees are disclosed in its sanction
Why take your balance transfer & top-up through us
Lower rate, lower EMI
Switch to a lender offering better terms on your outstanding amount.
Top-up with the transfer
Take extra funds along with the transfer, often at the same rate.
Handled end to end
Foreclosure letter, lender paperwork and disbursal — we coordinate it all.
Eligibility & documents
A quick check before you apply. Your advisor confirms the exact list for your lender.
Who can apply
- An existing loan with a regular repayment track (typically 12+ EMIs*)
- No recent bounces
- Income proof
- Loan statement from your current lender
Documents you'll need
- KYC (PAN card & Aadhaar card)
- Photo
- Bank Statement (6 months)
- Address Proof
- Form 16
- KYC (PAN card & Aadhaar card)
- Photo
- Bank Statement (6 months)
- Address Proof
- ITR (2 years)
- Business Proof
* Indicative. Criteria differ between lenders; the lender decides.
Estimate your EMI
Adjust the amount, rate and tenure to see what fits your monthly budget.
₹50K₹5 Cr
6%30%
1 yr30 yrs
Your monthly EMI
—
Principal—
Total interest—
Total payable—
For illustration only. The actual EMI depends on the rate, fees and tenure the lender offers you.
Year-by-year repayment schedule
| Year | Principal paid | Interest paid | Balance |
|---|
Balance Transfer & Top-up — questions
When does a balance transfer make sense?
When the rate difference is large enough to save money after processing and foreclosure charges. We show you the net saving before you switch.
2-minute form
Apply for a balance transfer & top-up
Leave your details and a loan advisor will call you back to understand your need, check eligibility and suggest the right lenders.
1
We call you backTo understand your requirement
2
We shortlist lendersBased on your income and credit profile
3
You choose, we processDocuments, login and follow-up handled