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Balance Transfer
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Take advantage of a Home Loan Balance Transfer with interest rates starting from 8.65%* p.a. Move your existing loan, ranging from ₹ 20 Lakh* to ₹ 10 Crore*, to secure better terms and lower EMIs. Also, benefit from a top up option that allows you to borrow additional funds over your current loan amount, giving you more financial freedom and flexibility.

Competitive Interest Rate

Transfer your Home Loan to an interest rate as low as 8.65%* p.a.

Instant Digital Sanction

Check your Balance Transfer eligibility within 5 minutes*

Top up Facility

Add extra funds with the top up loan facility beyond your original loan

Debt Consolidation

Combine debts with Balance Transfer for easy payments and lower rates

Flexible EMI Tenure

Extend your loan tenure to decrease payable EMI as per affordability

Dedicated Relationship Manager

Enjoy personalised financial advice with a dedicated RM

emi-calculator

EMI Calculator

Results generated by the calculator(s) are indicative in nature.

Preferred loan amount

₹
₹20,00,000
₹10,00,00,000

Interest rate (per annum)

%
8%
13%

Loan tenure (months)

36 months
360 months

Estimated EMI

per month
  • ₹ 36,690

  • Interest payable

    ₹52,41, 690
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Eligibility & Documents

Residency:

Indian resident or NRI

Age:

Salaried: 23 years to 70 years
Self-employed: 25 years to 70 years

Profession:

Salaried / self-employed professionals and non-professionals

Other:

Can be increased by adding co-applicant income or other verifiable income sources

Age Proof

Aadhaar Card | PAN Card | Passport

Address Proof

Utility bills (not older than 2 months | Aadhaar Card | Driving License | Passport | Voter ID etc

Photo ID Proof

PAN and any one of the following- Aadhaar Card | Driving License | Passport | Voter ID | Job card by NREGA | Letter issued by the National Population Register containing details of name and address

Others

Eligibility can be increased by adding co-applicant income or other verifiable income sources

List of Additional documents related to your existing loan

Forclosure letter | List of documents submitted to the bank | Statement of account

Income Proof

Income proofs vary for different professionals across salaried, non-salaried and self-employed. List of required income documents

Fees And Charges

List of all fees and charges for Home Loan Balance Transfer

How to Apply

Apply for Home Loan Balance Transfer with these steps

FAQs & Support

View all

Can the borrower of an under-construction property avail of a balance transfer loan from Aadhar Cash?

Yes, borrowers of under-construction properties can avail of a balance transfer loan from Aadhar Cash, subject to approvals and other policies.

Is there any tax benefit available on Home Loan Balance Transfers?

Tax advantages for Home Loan balance transfers are available under Sections 24(b) and 80C of the Income Tax Act.

Is balance transfer a good option for a Loan?

Certainly! A balance transfer allows you to benefit from reduced interest rates and lower EMIs while offering favorable loan terms.

Does a Home Loan Balance Transfer need a Guarantor?

The Home Loan balance transfer process usually doesn't need a guarantor if the borrower meets the eligibility requirements and has a good repayment history.

What is a Home Loan Balance Transfer?

A Home Loan balance transfer involves transferring the outstanding balance of your existing Home Loan from one lender to another. This is typically done to benefit from lower interest rates or better loan terms offered by the new lender.

Explore all FAQs

Testimonials

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Housing Loan

Buying a home in Mumbai was always a dream of mine, and Aadhar Cash has made this dream come true. They offered competitive interest rate, quick approval with easy documentation. I would highly recommend Aadhar Cash to anyone looking for a reliable home loan provider.

Yadika Hussain

Mumbai

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Housing Loan

As a 2nd generation entrepreneur, expanding my PVD coating business was easy with Aadhar Cash. The process was fast, smooth, with minimal paperwork and the best interest rates. Thanks to PLANET, I can make part payments and withdrawals with ease. They've provided full funding for my growth.

Harsh Gosalia

Pune, Maharashtra

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Business Loan

As a steel and aluminum trader, I needed constant capital post-COVID. Aadhar Cash's DLOD service impressed me with a seamless, fully digital process. Their executive guided me well, leading to a swift sanction. The competitive interest rate & round the clock transaction facility were game-changers for my business.

Jignesh Solanki

Mumbai

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Housing Loan

Aadhar Cash made my homeownership and business growth easier! After taking a home loan with another bank, I needed additional funds to expand my business. L&T offered a quick response, pre-approval, & a streamlined process with minimal paperwork. Plus, I received lower interest rate & maximum funding!

Amol Hirawadekar

Mumbai

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Housing Loan

Choosing Aadhar Cash for our home loan was seamless. The team was supportive, with transparent documentation, quick responses, and competitive rates. Their efficient process made our home-buying journey smooth, and the L&T Emerald’s location, amenities, and security make it the perfect choice for our family.

Amit Chaturvedi

Mumbai, Maharashtra