Why Transfer With Our Help?
A balance transfer done wrong costs more than it saves. We ensure you only transfer when it genuinely benefits you — and handle every step.
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Lower Interest Rate
Move from 9–11% to 8.35–8.75% and save ₹3–10 lakh over your remaining tenure.
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We Handle All Paperwork
Foreclosure letter, NOC, legal, valuation — our team manages the entire process. You just sign.
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Completed in 15 Days
Our dedicated bank channels ensure fast processing. Most transfers complete within 2–3 weeks.
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Honest Savings Analysis
We calculate your actual net savings after all transfer costs before recommending you proceed.
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Top-Up Option Available
Transfer and get additional funds at the same low rate for renovation, education, or any need.
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Zero Fees from Us
Our service is free. You only pay the new bank standard processing fee — typically 0.25–0.50%.
How It Works
Our process is designed so you spend zero time running between banks — we handle everything end to end.
1
Free Savings Assessment
Share your current loan details. We calculate your exact net savings in 5 minutes.
2
New Bank Shortlisting
We identify the 3–5 best banks for your profile and negotiate the best possible rate.
3
Foreclosure Letter Collection
We coordinate with your existing bank to collect the foreclosure letter (typically 7–10 days).
4
Application & Legal
We submit to the new bank and coordinate legal and property valuation simultaneously.
5
Disbursement
New bank pays off your old bank. Your new lower EMI starts from the next cycle.
When Does a Transfer Make Sense?
A balance transfer is beneficial if most of the following apply to you:
- ✓Current rate is 0.50% or more above current market rates
- ✓At least 8–10 years remaining on your loan tenure
- ✓Outstanding loan balance of ₹15 lakh or more
- ✓Good repayment track record — no defaults in last 12 months
- ✓CIBIL score 700+ (you may qualify for better terms at the new bank)
- ✓No balance transfer done in the last 2 years
Current Rates — Pune 2025
We work with 30+ lenders and negotiate on your behalf to get rates well below advertised figures.
| Bank / Lender | Interest Rate | Processing Fee |
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| SBI Home Loan BT | 8.35% p.a. | ₹0 – ₹5,000 |
| HDFC Balance Transfer | 8.40% p.a. | 0.25% + taxes |
| ICICI BT Scheme | 8.40% p.a. | 0.25% + taxes |
| Axis Bank Transfer | 8.50% p.a. | ₹5,000 flat |
| Kotak BT | 8.65% p.a. | 0.50% + taxes |
| PNB Housing BT | 8.50% p.a. | 0.25% + taxes |
| Bajaj Finserv BT | 8.50% p.a. | 0.30% + taxes |
| LIC HFL Transfer | 8.40% p.a. | ₹10,000 flat |
*Rates are indicative and subject to applicant profile and bank policies.
Frequently Asked Questions
How much will I actually save?+
For a ₹40 lakh loan at 9.5% with 15 years remaining, transferring to 8.5% saves approximately ₹7.2 lakh in total interest. Use our Balance Transfer Calculator for your exact figures.
What costs are involved?+
New bank processing fee (0.25–0.50%), legal charges (₹5,000–₹10,000), and valuation fee (₹3,000–₹5,000). These are offset within 4–8 months of your lower EMI.
My current bank is offering to reduce my rate — should I accept?+
Not without checking the market first. Banks typically offer existing customers rates 0.25–0.50% above what they offer new customers. We can advise you on whether to accept or transfer.
Can I get a top-up along with the transfer?+
Yes! Many of our bank partners offer top-up loans at the same low rate as the transferred loan — a great way to fund renovations at home loan rates.
How long does the process take?+
The entire process typically takes 15–25 days. The longest part is getting the foreclosure letter from your existing bank (7–10 days). Our team manages all follow-ups.