What is Balance Transfer & Top Up..?

A Home Loan Balance Transfer allows you to switch your remaining outstanding loan amount from your current bank to a new financial institution offering a lower interest rate. This immediate switch lowers your monthly EMI burden and saves lakhs of rupees in total interest over your loan tenure. Additionally, you become eligible for a Top-Up Loan—an extra high-value fund facility that you can use freely for home renovation, business growth, or family requirements at much lower rates than a personal loan.

BT-TOP

Initial Documents List

👥 Salaried

👥 Self Employed

✓ Aadhaar & PAN card
✓ Last 3 months salary slips
✓ 6 months bank statement
✓ Form 16 (last 2 yrs)

✓ Aadhaar & PAN card
✓ ITR Full set for 2 years.
✓ 6 months bank statement
✓ Business Registration Proof.

👥 Property Docs

✓ Complete Set of Property related Docs
✓ Home Loan Statement past 12 months.
✓ List of Documents from Current Bank
✓ Foreclosure Letter of Current Bank

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