Top-Up Loans &
Balance Transfer Pune & Mumbai

Balance Transfer & Top-Up — Save Lakhs on Interest

A balance transfer allows you to shift your existing loan (home loan, business loan, LAP) from your current bank to another bank offering a lower interest rate. Over a 20-year loan, even a 0.5% rate reduction can save you ₹3-5 Lakhs.

Many lenders also offer a top-up loan at the time of balance transfer — providing you additional funds at the same low rate without any fresh property documents.

Loans Eligible for Balance Transfer

• Home Loans — reduce from 9.5% to 8.5% and save significantly
• Loan Against Property (LAP)
• Business Term Loans
• Machinery / Equipment Loans
• Personal Loans (in select cases)
• MSME Term Loans at high-cost NBFCs

Documents Required

The following documents are typically required. Our team will prepare a personalised checklist for your specific case.

Eligibility Criteria

• Any individual or business with an existing running loan
• Minimum loan outstanding of ₹10 Lakhs
• Regular repayment track record (no defaults in last 12 months)
• CIBIL score of 700+ recommended
• Loan should have been running for at least 12 months
• Property documents should be clear (for LAP / home loan transfer)

Why Choose Indi Fin Serv?

• We calculate the exact savings for you before recommending a switch
• Access to 25+ lenders — we find the best rate for your profile
• We handle all bank coordination — existing bank and new bank
• Negotiate waiver of processing fees and prepayment charges
• Top-up structuring to give you additional funds at the best rate
• End-to-end: from NOC collection to new loan account opening