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As a home loan borrower, you may often compare your current loan's terms against better offers from new lenders. Comparing helps pick the best bank for home loan balance transfer in India. Home loan balance transfers make this switch straightforward, letting you cut interest costs and access more funds. Additionally, a Loan-to-Value (LTV) ratio determines how much you can leverage against your property's value. Higher LTV (75-90%) unlocks larger top-ups, lower EMIs, and better terms without needing fresh collateral. A favourable LTV structure can significantly improve loan efficiency without increasing financial stress.
Balance transfers let you shift outstanding principal to new lenders, often resetting tenure based on age/income. It is vital to assess the best bank for home loan balance transfer in India before the switch. The following are lenders available on Bajaj Markets, that support balance transfers within regulatory loan-to-value limits and offer tenure options aligned with borrower profiles.
| Lender | Max. Loan Amount | Interest Rate Starting At |
| Bajaj Housing Finance Home Loan Balance Transfer | 15 Crores |
7.30% p.a.
|
| PNB Housing Finance Home Loan Balance Transfer | 15 Crores |
8.5% p.a.
|
| Shubham Housing Finance House Loan Balance Transfer | 50 Lakhs |
9.9% p.a.
|
| Truhome Finance Home Loan Balance Transfer | 1 Crores |
11.5% p.a.
|
| LIC Housing Finance Home Loan Balance Transfer | 15 Crores |
8.65% p.a.
|
| Sammaan Capital Home Loan Balance Transfer | ₹5 Crores |
8.75% p.a.
|
| Vridhi Home Finance Home Loan Balance Transfer | ₹25 Lakhs |
12% p.a.
|
| L&T Finance Home Loan Balance Transfer | ₹7.5 Crores |
8.65% p.a.
|
| ICICI Bank Home Loan Balance Transfer | 5 Crores |
8.75% p.a.
|
Disclaimer: The information on this page, including any “Top” or “Best” lists, is based on data from our Partner institutions and objective parameters such as interest rates, loan amounts, tenure, and other factual criteria. These lists are not exhaustive and do not cover the entire market. We do not claim that featured products are universally the best or suitable for everyone. Details are accurate as of the date shown and may change without notice. Rankings are for informational purposes only and do not constitute financial advice or personal recommendations. They should not be considered endorsements or guarantees of suitability. Bajaj Markets operates as a neutral marketplace and shall not be liable for any loss or damage arising from reliance on this information.
The lenders available on Bajaj Markets make switching smooth with real perks beyond rate cuts. Here are a few benefits of applying for a home loan balance transfer through the available lenders:
Lower interest rates that reduce overall borrowing costs over long tenures
Flexibility to extend or shorten the remaining tenure based on cash-flow comfort
Reduced monthly EMIs when tenure is extended strategically
Better loan servicing and digital account management
Option to reset repayment structure as income levels improve
Before applying for a home loan balance transfer, you must evaluate key practical and financial aspects like:
Once lenders have been assessed and finalised, you can use the following steps for your home loan balance transfer:
Visit Bajaj Markets website’s home loan balance transfer page
Select your professional status: Salaried or Business owner
Enter your phone number
Choose a lender that aligns with your preferences
Submit required documents for verification
Complete the transfer process after approval and disbursement
A home loan balance transfer based on LTV ratio can significantly strengthen financial stability when timed correctly. By optimising leverage, borrowers can reduce risk exposure, improve approval odds, and potentially secure better interest terms. Comparing LTV, loan limits, and pricing across trusted partners on Bajaj Markets helps borrowers make informed decisions that balance affordability with long-term financial prudence.
A home loan balance transfer based on LTV ratio shifts your outstanding principal to a new lender who recalculates the loan amount against up to 90% of your property's current market value.
LTV ratio determines how much you can borrow against your home's worth—higher ratios from providers unlock larger top-ups and lower EMIs without selling assets. This gets one step closer to answering which bank is best for home loan transfer.
Lenders divide your requested loan amount (outstanding principal plus top-up) by the property's revalued market price, expressed as a percentage—e.g., a ₹80 Lakh loan on a home worth ₹1 Crore = 80% LTV.
Yes, higher LTV ratios improve eligibility by showing strong collateral coverage, making lenders comfortable approving bigger balances even if your credit score sits at average levels.
A higher LTV ratio means borrowing more against property value, increasing lender risk. Typically, lenders charge higher interest rates for LTV loans compared to lower-LTV cases with more borrower equity.
Yes, you can expect Cersai charges, repayment mode change charges, property revaluation fees and other changes associated with higher LTV ratios. Although processing fees typically remain standard at 0.25-1% regardless of LTV level.
Most lenders cap LTV at 90% for balance transfers, balancing borrower needs with RBI risk guidelines.
Fresh property valuation determines your home loan’s LTV. For instance, if market value rises 10%, your ₹70 Lakh balance on a now-₹1 Crore home jumps from 70% to 77% LTV, enabling top-ups.
Yes, you can reduce your outstanding principal or time the transfer for property value growth. For instance, reducing the loan from ₹60 Lakh to ₹50 Lakh on an unchanged property valuation improves LTV from 75% to 62%, expanding lender options.
Yes. Lenders with predefined LTV thresholds and digital property valuation systems typically process balance transfer approvals faster than those requiring manual assessments.
Compare the outstanding loan amount against the latest property valuation and check each lender’s maximum permissible LTV to understand eligibility and borrowing flexibility.
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