Balance transfer · home, LAP, personal, business & OD
Loan Lene Ka Sahi Tarika
Move your loan to a lower rate — and keep the difference.
Transfer your existing home loan, loan against property, personal loan, business loan or OD limit to a lender that prices you better — with a top-up if you need it. Home loans usually save the most.
◆ ProperPaisa promise ◆
₹0 fee · Coin & fee back on eligible transfers*
Move to rates from 7.20%* (home loan)
Just your name and number. Your advisor takes the rest on a call.
+55 more
- Lower EMI, same loanMove to a lender that prices you better
- Top-up if you need itExtra funds on the transferred loan
- ₹0 fee to youPaid by the bank, just like its own sales team
- Doorstep documentsCollected from home or office, once
Transfer to these starting rates
Your final rate depends on your profile — your advisor brings you actual quotes from matched lenders.
- Home loan7.20%*After 3 EMIs · usually the biggest saving
- Loan against property8.15%*After 3 EMIs
- Personal loan9.75%*After 12 EMIs
- Business loan10.60%*After 12 EMIs · OD from 11.50%*
One application, compared across 60+ lenders — your advisor shows you each lender's rate, fee and terms side by side.
Check my rate →*Starting rates as of October 2026 for eligible profiles; rates change from time to time. Final rate, fee and approval are decided by the new lender based on your profile and repayment track record.
See what you could save
Pick your loan, set your outstanding amount, current rate and remaining tenure. The estimate shows your EMI today and after the transfer.
Estimate before fees. Eligible after 3 EMIs on your current home loan. Your advisor confirms the saving after processing fee and any foreclosure charge.
| Loan | Eligible after | Starting rate* |
|---|---|---|
| Home loan | 3 EMIs | 7.20% |
| Loan against property | 3 EMIs | 8.15% |
| Personal loan | 12 EMIs | 9.75% |
| Business loan | 12 EMIs | 10.60% |
| OD limit | 12 EMIs | 11.50% |
When a balance transfer makes sense
Your rate is above today's
If lenders now price your profile lower than your current rate, the gap is money you keep every month.
You have years left on the loan
The longer the remaining tenure, the bigger the saving — this is why home loans usually save the most.
You need extra funds
A top-up on the transferred loan often costs less than a new personal loan.
Quotes
Staying with your lender: A retention offer, if any
ProperPaisa: Offers from lenders matched to your profile, side by side
Saving check
Staying with your lender: On your own
ProperPaisa: Your advisor shows the saving after fees
Paperwork
Staying with your lender: Branch visits to two lenders
ProperPaisa: Doorstep pickup; foreclosure letter coordinated
Extras
Staying with your lender: —
ProperPaisa: Coin and fee back on eligible transfers*
| Compare | Staying with your lender | Through ProperPaisa |
|---|---|---|
| Quotes | A retention offer, if any | Offers from lenders matched to your profile, side by side |
| Saving check | On your own | Your advisor shows the saving after fees |
| Paperwork | Branch visits to two lenders | Doorstep pickup; foreclosure letter coordinated |
| Extras | — | Coin and fee back on eligible transfers* |
60+ lenders ready to take your loan.
Government banks, private banks, HFCs and NBFCs — all regulated lenders. Your new agreement is with the lender you choose.
You share your details once — ₹0 fee
ProperPaisa (bank-authorized DSA) takes your file to the right lenders
Bank / NBFC sanctions the loan — your agreement is with them
HDFC BankPrivate bank
ICICI BankPrivate bank
Axis BankPrivate bank
Kotak Mahindra BankPrivate bank
IndusInd BankPrivate bank
Yes BankPrivate bank
IDFC FIRST BankPrivate bank
IDBI BankPrivate bank
Federal BankPrivate bank
RBL BankPrivate bank
Bandhan BankPrivate bank
AU Small Finance BankPrivate bank
Ujjivan Small Finance BankPrivate bank
Shivalik Small Finance BankPrivate bank
Standard CharteredPrivate bank
Deutsche BankPrivate bank
State Bank of IndiaGovt bank
Bank of BarodaGovt bank
Punjab National BankGovt bank
Canara BankGovt bank
Union Bank of IndiaGovt bank
Bank of IndiaGovt bank
Indian BankGovt bank
Central Bank of IndiaGovt bank
Logos are trademarks of their owners and identify lenders we work with, directly or through our channel partner; they do not imply endorsement.
Happy customers
The right loan — and a gift to remember.
Real ProperPaisa customers, receiving their gift from their advisor after the loan was disbursed.
On qualifying loans, after disbursal: a 24K Tanishq gold coin or a 999 purity silver coin — the weight depends on your loan amount. The gift is from ProperPaisa; your lender is not involved.
See my offers →Tanishq is a trademark of Titan Company Ltd.; Kalyan Jewellers is a trademark of Kalyan Jewellers India Ltd. Coins are bought at retail. ProperPaisa is not affiliated with or endorsed by either company. T&C apply.
Diwali · on qualifying loans
24K Tanishq gold or 999 purity silver coin
Eligible transfers carry the same coin as a new loan of that type: home loans from ₹30 lakh, LAP from ₹15 lakh, personal and business loans from ₹5 lakh.
After disbursal
Processing fee back — 100%
Home loans: up to ₹10,840 (from ₹50 lakh). Personal and business loans: up to ₹7,670 (from ₹10 lakh). T&C apply.
Who can apply
Your current loan
- Home loan or LAP: 3 EMIs paid
- Personal loan, business loan or OD: 12 EMIs / 12 months
- Regular repayment track record
Documents
Loan account statement, sanction letter, list of documents with the current lender, plus your KYC and income documents.
Your advisor coordinates the foreclosure letter and document handover between the two lenders.
See your offers from 60+ lenders
Balance transfer questions
Which loans can I transfer?
Home loans, loans against property, personal loans, business loans and OD limits.
When can I transfer my loan?
Home loans and loans against property after 3 EMIs; personal loans, business loans and OD limits after 12 EMIs or 12 months.
Which loan saves the most?
Usually home loans: a long remaining tenure and a large outstanding amount turn even a small rate cut into a big saving.
Can I take a top-up with the transfer?
Often, yes. Many lenders offer a top-up on the transferred loan, usually at a lower rate than a new personal loan.
Are there charges to move my loan?
The new lender may charge a processing fee; the current lender may charge foreclosure on some loans (floating-rate home loans to individuals carry none under RBI rules). Your advisor shows the saving after fees.
Is ProperPaisa really free?
Yes. As a bank-authorised partner (DSA), ProperPaisa is paid by the bank — just as it pays its own sales staff. Our service is ₹0 for you.
ProperPaisa is not a lender. We are an authorised DSA (Direct Selling Agent) of our partner banks and NBFCs, directly or through our channel partner. Loans are sanctioned solely by the lender; rates, fees and approval depend on your profile and lender policy. ProperPaisa's service is ₹0 for customers. Coin and fee-refund benefits apply to qualifying disbursals only; T&C apply. Tanishq is a trademark of Titan Company Ltd. and Kalyan Jewellers of Kalyan Jewellers India Ltd.; coins are bought at retail and ProperPaisa is not affiliated with either.