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Balance Transfer & Top-up

Same loan. Better lender. Smaller EMI.

If you took a home, personal or business loan a few years ago, you are probably paying more than today's rates. Move the outstanding balance to a lender offering a lower rate — and take a top-up for new needs in the same go.

Amount
Existing outstanding + top-up
Tenure
Fresh tenure of your choice
Disbursal
7 – 15 working days
Collateral
As per original loan
Who it's for

Made for moments like these

Home loans older than 2 yearsHigh-rate personal loansBusiness loansAnyone needing a top-upMultiple loans to consolidateRate-hike victims
Why this loan, with us

Key features

We calculate real savings first

Processing fees and stamp duty are included — we only recommend a switch that actually saves you money.

Top-up at the new low rate

Extra funds for renovation, education or business at home-loan-like rates.

Foreclosure handled

We coordinate the closure letter, document release and new disbursal.

Shorter tenure option

Keep the same EMI but finish years earlier — often the smartest choice.

Before you apply

Eligibility & documents

Eligibility

  • 12+ months of regular repayment on the existing loan
  • No overdue EMIs in the last 12 months
  • Income that supports the new EMI
  • Property documents available for secured loans

Documents

  • Existing loan sanction letter and statement of account
  • List of documents held by current lender
  • KYC + income proof
  • Property papers (for home loan / LAP transfers)

We send you a single checklist and collect everything once — doorstep in Mysuru, digital elsewhere.

The process

From enquiry to money in your account

01

Apply in 2 minutes

Form or WhatsApp — amount, purpose and a few basics. A real person calls back within working hours.

02

Lender match

We check your profile against partner policies and shortlist the offer most likely to approve at the best rate.

03

Documents & verification

One checklist, one collection. We coordinate any valuation, legal or field verification.

04

Sanction & disbursal

We follow up with the lender until disbursal — typical timeline: 7 – 15 working days.

Plan your EMI

Balance Transfer & Top-up calculator

Pre-set with typical balance transfer & top-up ranges. Figures are indicative — your lender's final rate applies.

₹25,00,000
8.5% p.a.
15 years
Your monthly EMI
Total interest
Total payable
Principal Interest
Apply for this amount
Good to know

Balance Transfer & Top-up FAQs

How much will I actually save?

On a ₹40 lakh home loan with 15 years left, a 1% lower rate saves roughly ₹4 – 5 lakh in interest. Send us your statement and we'll compute it exactly.

Are there charges to switch?

Floating-rate loans have no foreclosure charge; the new lender charges a processing fee and there may be stamp duty on the mortgage. We include all of these in the savings calculation.

Can I get a top-up without changing lenders?

Sometimes, yes — if your current lender offers it at a fair rate we'll tell you so. We're paid on transfers, but we'd rather keep your trust.

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Ready to apply for a Balance Transfer & Top-up?

Two minutes to apply. Zero consultation fee. A real answer within hours.