Transfer Your Home Loan and Save More on EMI Reduce Your EMI Burden

Shift your existing home loan to another bank for better interest rates, lower EMI, top-up loan options and improved repayment terms.

Top Bank Offers

Compare Leading Bank Loan Offers

Check interest rate, processing fee, loan amount and choose the most suitable offer with expert support.

State Bank of India

SBI Home Loan Offer

Public Sector Bank

Interest Rate 7.25% – 8.95%

Processing Fee ₹0 – ₹11800

Loan Amount Outstanding loan amount + top-up as per eligibility

Tenure Up to 30 Years

Apply Now

Affordable home loan with long tenure, low EMI and transparent processing.

Lower EMI
Top-up option
Long tenure
Overdraft/MaxGain option

Central Bank of India

Central Bank Loan Offer

Public Sector Bank

Interest Rate 7.10% – 9.10%

Processing Fee ₹0 – ₹11800

Loan Amount Outstanding loan amount + top-up as per eligibility

Tenure Up to 30 Years

Apply Now

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Lower EMI
Low processing charges
Long tenure
Public sector bank support

Bank of Baroda

Bank of Baroda Home Loan Offer

Public Sector Bank

Interest Rate 7.20% – 9.20%

Processing Fee ₹5900 – ₹10080

Loan Amount Outstanding loan amount + top-up as per eligibility

Tenure Up to 30 Years

Apply Now

Public sector bank home loan with affordable EMI options.

Affordable EMI
Public sector bank trust
Top-up support
Simple transfer

Bank of India

Bank of India Home Loan Offer

Public Sector Bank

Interest Rate 7.10% – 8.85%

Processing Fee ₹2500 – ₹20000

Loan Amount Outstanding loan amount + top-up as per eligibility

Tenure Up to 30 Years

Apply Now

Home loan solution with competitive rates and long repayment tenure.

Simple transfer process
Low EMI
Top-up option
Trusted bank

Union Bank of India

Union Bank Home Loan Offer

Public Sector Bank

Interest Rate 7.15% – 9.75%

Processing Fee ₹0 – ₹15000

Loan Amount Outstanding loan amount + top-up as per eligibility

Tenure Up to 30 Years

Apply Now

Home loan with flexible repayment and public sector bank trust.

Better rate
Flexible tenure
Top-up support
Low charges

Bank of Maharashtra

Bank of Maharashtra Loan Offer

Public Sector Bank

Interest Rate 7.10% – 9.40%

Processing Fee ₹0 – ₹11800

Loan Amount Outstanding loan amount + top-up as per eligibility

Tenure Up to 30 Years

Apply Now

Bank of Maharashtra home loan with competitive interest rates, flexible repayment tenure and transparent processing.

Better rate
Flexible repayment
Simple documentation
EMI saving

IDBI Bank

IDBI Bank Loan Offer

Private Bank

Interest Rate 7.75% – 10.35%

Processing Fee ₹5900 – ₹11800

Loan Amount Outstanding loan amount + top-up as per eligibility

Tenure Up to 30 Years

Apply Now

Home loan with flexible repayment and public sector bank trust.

Balance transfer support
Flexible tenure
Easy documentation
Top-up option

HDFC Bank

HDFC Home Loan Offer

Private Bank

Interest Rate 7.15% – 9.0%

Processing Fee ₹0 – ₹5900

Loan Amount Outstanding loan amount + top-up as per eligibility

Tenure Up to 30 Years

Apply Now

Fast home loan approval with flexible repayment options.

EMI saving
Top-up loan
Fast approval
Doorstep support

Bajaj Housing Finance

Bajaj Housing Home Loan Offer

NBFC

Interest Rate 7.20% – 17.0%

Processing Fee Upto to 4% of loan amount

Loan Amount Outstanding loan amount + top-up as per eligibility

Tenure Up to 30 Years

Apply Now

Housing finance option for high-ticket home loan requirements.

High top-up amount
Flexible policy
Quick approval
High ticket support

#10

ICICI Bank

ICICI Home Loan Offer

Private Bank

Interest Rate 7.30% – 8.50%

Processing Fee ₹5900 – ₹11800

Loan Amount Outstanding loan amount + top-up as per eligibility

Tenure Up to 30 Years

Apply Now

Home loan solutions for salaried and self-employed customers.

Lower interest rate
Top-up option
Flexible EMI
Quick transfer

#11

Axis Bank

Axis Bank Home Loan Offer

Private Bank

Interest Rate 7.30% – 8.50%

Processing Fee ₹5900 – ₹11800

Loan Amount Outstanding loan amount + top-up as per eligibility

Tenure Up to 30 Years

Apply Now

Attractive home loan option with quick processing and flexible tenure.

Fast transfer process
Top-up available
Better EMI
Flexible tenure

#12

LIC Housing Finance

LIC Housing Home Loan Offer

Housing Finance Company

Interest Rate 7.15% – 9.0%

Processing Fee ₹5900 – ₹11800

Loan Amount Outstanding loan amount + top-up as per eligibility

Tenure Up to 30 Years

Apply Now

Housing finance option with trusted brand support.

Trusted HFC
Flexible EMI
Top-up option
Long tenure

#13

PNB HFI

PNB HFI Home Loan Offer

Housing Finance Company

Interest Rate 8.50% – 15.0%

Processing Fee ₹0 – ₹11800

Loan Amount Outstanding loan amount + top-up as per eligibility

Tenure Up to 30 Years

Apply Now

PNB Housing Finance home loan option for salaried and self-employed customers with flexible eligibility and easy documentation.

Top-up available
Flexible eligibility
Housing finance support
Easy transfer

#14

Kotak Mahindra Bank

Kotak Mahindra Bank Home Loan Offer

Private Bank

Interest Rate 7.50% – 9.0%

Processing Fee ₹5000 – ₹11800

Loan Amount Outstanding loan amount + top-up as per eligibility

Tenure Up to 30 Years

Apply Now

Kotak Mahindra Bank home loan with competitive rates, fast processing and flexible repayment options.

Quick transfer
Competitive rates
Top-up option
Digital support

#15

Federal Bank

Federal Bank Home Loan Offer

Private Bank

Interest Rate 9.65% – 10.25%

Processing Fee ₹5900 – ₹15000

Loan Amount Outstanding loan amount + top-up as per eligibility

Tenure Up to 30 Years

Apply Now

Federal Bank home loan solution with simple documentation, flexible tenure and attractive interest rate options.

Simple documentation
Flexible tenure
Better repayment
Quick eligibility

#16

IDFC First Bank

IDFC First Bank Home Loan Offer

Private Bank

Interest Rate ₹8.85% – 12%

Processing Fee UP TO 3% OF LOAN AMOUNT

Loan Amount Outstanding loan amount + top-up as per eligibility

Tenure Up to 30 Years

Apply Now

IDFC FIRST Bank home loan with digital process, flexible eligibility and quick approval support.

Digital process
Quick approval
Top-up support
Flexible eligibility

#17

Tata Capital

Tata Capital Home Loan Offer

NBFC

Interest Rate 7.99% – 10.55%

Processing Fee UP TO 0.5% OF LOAN AMOUNT

Loan Amount Outstanding loan amount + top-up as per eligibility

Tenure Up to 30 Years

Apply Now

Tata Capital home loan option with flexible policy, quick processing and suitable funding support as per eligibility.

Flexible policy
Top-up option
Quick processing
Easy documentation

#18

RBL Bank

RBL Bank Home Loan Offer

Private Bank

Interest Rate 9.0 – 12.0%

Processing Fee Up to 1.25% of loan amount

Loan Amount Outstanding loan amount + top-up as per eligibility

Tenure Up to 30 Years

Apply Now

RBL Bank home loan solution with flexible eligibility, simple process and repayment options as per customer profile.

Flexible eligibility
Simple process
Top-up support
Customer profile based funding

#19

Gic Housing Finance

Gic Housing Finance Home Loan Offer

Housing Finance Company

Interest Rate 8.25% – 12%

Processing Fee Up to 1% of loan amount

Loan Amount Outstanding loan amount + top-up as per eligibility

Tenure Up to 30 Years

Apply Now

GIC Housing Finance home loan option with easy documentation, competitive rates and flexible repayment tenure.

Housing finance support
Better EMI
Flexible tenure
Easy documentation

#20

Godrej Housing Finance

Godrej Housing Finance Home Loan Offer

Housing Finance Company

Interest Rate 8.55% – 13%

Processing Fee ₹0 – ₹11800

Loan Amount Outstanding loan amount + top-up as per eligibility

Tenure Up to 30 Years

Apply Now

Godrej Housing Finance home loan with simple process, flexible eligibility and customer-friendly repayment options.

Customer-friendly process
Flexible eligibility
Simple transfer
Quick support

#21

L&T finance

L&T finance Home Loan Offer

Housing Finance Company

Interest Rate 8.65% – 15%

Processing Fee Up to 3% of loan amount

Loan Amount Outstanding loan amount + top-up as per eligibility

Tenure Up to 30 Years

Apply Now

L&T Finance home loan option with flexible policy, quick processing and funding support as per eligibility.

Flexible policy
Quick processing
Top-up support
Easy repayment

#22

IIFL Housing Finance

IIFL Housing Finance Home Loan Offerif

Housing Finance Company

Interest Rate 8.75% – 12%

Processing Fee Up to 1.75% of loan amount

Loan Amount Outstanding loan amount + top-up as per eligibility

Tenure Up to 30 Years

Apply Now

IIFL Housing Finance home loan solution with flexible eligibility, fast approval and support for different income profiles.

Flexible income policy
Fast approval
Top-up available
Multiple profile support

#23

Yes Bank

Yes Bank Home Loan Offer

Private Bank

Interest Rate 9.0% – 12%

Processing Fee Up to 1% of loan amount

Loan Amount Outstanding loan amount + top-up as per eligibility

Tenure Up to 30 Years

Apply Now

Yes Bank home loan with competitive interest rates, simple documentation and flexible repayment options.

Competitive rates
Simple documentation
Flexible repayment
Quick transfer

#24

Bandhan Bank

Bandhan Bank Home Loan Offer

Private Bank

Interest Rate 7.80% – 9.0%

Processing Fee Up to 0.25% of loan amount

Loan Amount Outstanding loan amount + top-up as per eligibility

Tenure Up to 30 Years

Apply Now

Bandhan Bank home loan option with attractive rates, flexible tenure and easy documentation support.

Attractive rates
Flexible tenure
Easy documentation
Top-up support

#25

Aavash housing finance

Aavash housing finance Home Loan Offer

Housing Finance Company

Interest Rate 10% – 14%

Processing Fee Up to 1% of loan amount

Loan Amount Outstanding loan amount + top-up as per eligibility

Tenure Up to 30 Years

Apply Now

Aavas Housing Finance home loan option for salaried, self-employed and informal income customers with flexible policy support.

Informal income support
Flexible policy
Affordable EMI
Simple documentation

#26

Aaadhar housing finance

Housing Finance Company

Interest Rate 9.50% – 13%

Processing Fee Up to 1% of loan amount

Loan Amount Outstanding loan amount + top-up as per eligibility

Tenure Up to 30 Years

Apply Now

Aadhar Housing Finance home loan solution with simple documentation, flexible eligibility and affordable EMI options.

Affordable housing support
Simple documentation
Flexible eligibility
Easy EMI

#27

Aditya Birla

aditya birla home loan

NBFC

Interest Rate 7.60% – 11%

Processing Fee 0.30%

Loan Amount Outstanding loan amount + top-up as per eligibility

Tenure Up to 30 Years

Apply Now

Aditya Birla Housing Finance Limited offers home loan solutions for customers planning to purchase,

Competitive rates
Flexible eligibility
Easy documentation
Quick transfer

#28

Shubham housing finance

Shubham housing finance Home Loan Offer

Housing Finance Company

Interest Rate 10% – 15%

Processing Fee Up to 1% of loan amount

Loan Amount Outstanding loan amount + top-up as per eligibility

Tenure Up to 30 Years

Apply Now

Shubham Housing Finance home loan option with flexible income assessment and funding support for eligible customers.

Flexible income assessment
Easy documentation
Affordable EMI
Quick support

#29

True home finance

True home finance Home Loan Offer

Housing Finance Company

Interest Rate 9.50% – 14%

Processing Fee Up to 1% of loan amount

Loan Amount Outstanding loan amount + top-up as per eligibility

Tenure Up to 30 Years

Apply Now

True Home Finance home loan solution with flexible eligibility, simple processing and long repayment tenure.

Flexible eligibility
Simple processing
Long tenure
Affordable repayment

#30

DCB bank

DCB bank Hoem LOan Offer

Private Bank

Interest Rate 9.50% – 13%

Processing Fee Up to 1% of loan amount

Loan Amount Outstanding loan amount + top-up as per eligibility

Tenure Up to 30 Years

Apply Now

DCB Bank home loan option with competitive rates, flexible repayment and simple documentation support.

Competitive rates
Flexible repayment
Simple documentation
Profile based funding

Benefits

Best Home Loan Balance Transfer Offers

Save money by transferring your existing home loan to a bank offering better rates, lower EMI and suitable top-up loan options.

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Reduce Your EMI Burden

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Save Interest Cost

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Top-Up Loan Option

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Better Bank Service

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Longer Tenure Option

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Complete Transfer Assistance

Why MyWealthCare

Why Choose MyWealthCare for Balance Transfer?

We analyze your existing loan, compare new bank offers, calculate savings and help you complete the balance transfer process smoothly.

Bank Comparison

Compare multiple lenders before applying.

Eligibility Guidance

Understand profile fitment before submission.

Document Support

Get a smoother file login experience.

Transparent Process

Clear communication from enquiry to closure.

Loan Schemes

Top Bank Schemes & Offers

Explore common bank-wise features before applying for a suitable loan option.

Low interest rate options.
Daily reducing balance benefit for home loans.
No hidden charges.
Prepayment benefits as per bank policy.
Concession options for eligible women borrowers.

Fast processing support.
Flexible repayment options.
Digital journey and customer support.
Suitable options for salaried and self-employed profiles.

Quick pre-approval options.
Flexible tenure options.
Minimal documentation support for eligible customers.
Digital loan tracking and assistance.

Competitive rate options.
Transparent terms and charges.
Longer tenure for eligible products.
Suitable for stable income and property-backed profiles.

Expert Guide

Home Loan Balance Transfer Guide & Key Highlights

Understand lender benefits, eligibility factors and documents before applying.

Interest Rate

Rates depend on loan type, profile and lender policy.
Credit score and income stability can affect pricing.
Existing obligations may impact eligibility.

Eligibility

Age, income, employer/business profile and banking history matter.
Salaried and self-employed customers can apply.
Final approval depends on bank policy.

Documents Required

PAN card and Aadhaar card.
Income proof, salary slips or ITRs.
Bank statements and property papers where applicable.

Processing Support

Eligibility check before application.
Document review and lender comparison.
Regular status coordination during processing.

Key Features

This loan product helps customers meet important financial goals with structured repayment, bank comparison support and professional assistance. Final interest rate, loan amount, tenure and charges depend on the lender policy and customer profile.

Eligibility Overview

Applicants are generally evaluated based on age, income stability, credit score, existing loans, employer or business profile, banking conduct and product-specific requirements.

Documents Required

Common documents include PAN card, Aadhaar card, income proof, bank statements, employment or business proof and any additional documents requested by the lender.

FAQs

Frequently Asked Questions

Clear answers to common questions before you start your loan application.

Home loan balance transfer means shifting your existing home loan from one bank or NBFC to another lender to get a better interest rate, lower EMI, top-up loan or better service.

You can consider balance transfer when another lender is offering a lower interest rate, better repayment terms, top-up loan, lower charges or improved customer service.

Yes, if the new lender offers a lower interest rate or longer tenure, your monthly EMI may reduce. Actual savings depend on outstanding loan amount, remaining tenure and transfer charges.

Yes, many banks offer top-up loan along with balance transfer, subject to property value, repayment track record, income eligibility and CIBIL score.

Common documents include existing loan statement, sanction letter, foreclosure letter, repayment track record, property documents, income proof, KYC documents and bank statement.

Charges may include processing fee, legal fee, valuation fee, MOD or mortgage charges and foreclosure-related charges if applicable. Exact charges depend on existing and new lender policy.

Balance transfer is beneficial only when the interest saving is higher than the total transfer cost. MyWealthCare helps compare savings, charges and eligibility before applying.

Apply With Confidence

Need help choosing the right bank offer?

Speak with MyWealthCare and get guided support for eligibility, documentation and lender comparison.

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