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Vridhi Home Finance Home Loan Balance Transfer

Here’s everything about Vridhi Home Finance’s Home Loan Balance Transfer — 12% p.a. interest, loan up to ₹25 Lakhs, 12‑year tenure.

Maximum Loan Amount 25 Lakhs
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Int. Rate Starting @ 12% p.a.
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Home Loan Balance Transfer arrow primary icon Home Loan Balance Transfer EMI Calculator arrow primary icon Documents Required For Balance Transfer arrow primary icon Mistakes to Avoid in Loan Balance Transfer arrow primary icon Check CIBIL Score arrow primary icon Download App arrow primary icon
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Opt for the Vridhi Home Finance Home Loan Balance Transfer facility on Bajaj Markets. Enjoy extended repayment tenures of up to 12 years and low interest rates starting from 12% p.a. Enjoy quick online transfer processes and simple documentation with this facility.

Vridhi Home Finance Home Loan Balance Transfer Interest Rates and Charges

Here are the Vridhi Home Finance Home Loan Balance Transfer interest rates and other charges you need to know about before opting for this option:

Fees and Charges Details

Starting Interest Rate

12% p.a.

Processing Fee

2% + GST

Prepayment Charges

5%

Other Charges

1%

Disclaimer: The details mentioned above are subject to change at the lender’s discretion.

Other Fees and Charges for Vridhi Home Finance Home Loan Balance Transfer

The lender applies certain additional fees and charges on its HLBT facility apart from interest rates. Some of the Vridhi Home Finance Home Loan Balance Transfer charges include:
Fees and Charges Details

CERSAI/CKYCR Charges

  • For loan amount up to ₹5 Lakhs: ₹50 per collateral

  • For Loan amount above ₹5 Lakhs: ₹100 per collateral

Stamp Duty and Registration Charges

As prescribed by the Government Author

Cheque/ECS/ACH Bounce Charges (per instrument/ Transaction)

Cheque return charge of ₹500 per instrument is payable

Duplicate No Dues Certificate

₹500

Copy of Property Papers

₹500

Documents handling charges post closure of loan

₹500

Loan Prepayment/Foreclosure statement/SOA/Repayment schedule/List of Documents

₹500

Loan cancellation charges

₹1,000 for cancellation within 7 days of disbursal; ₹1,000 + accrued interest if cancelled after disbursement

Disclaimer: The details mentioned above are subject to change at the lender’s discretion.

Vridhi Home Finance Home Loan Balance Transfer EMI Calculator

The Vridhi Home Finance Home Loan Balance Transfer EMI Calculator is an easy-to-use online tool that allows you to estimate monthly instalments when transferring an existing home loan. By entering key details such as loan amount, interest rate, and tenure, you can quickly plan your EMIs and make informed financial decisions. 
Your Home Loan Balance Transfer EMI
₹ 1,212,980
Total Interest Amount

₹ 141,115,181

Principal Amount

₹ 15,00,00,000

Total Payable Amount

₹ 3

Loan Amount i
Interest Rate
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Min value reached
Max value reached
Tenure
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  • Years
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You can also make instant comparisons between loan offers from multiple providers on Bajaj Markets.

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Furthermore, you can gain deeper insights into your loan instalments with the free amortisation schedule, which is provided with each calculation. 

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Features and Benefits of Vridhi Home Finance Home Loan Balance Transfer

Affordable Interest Rates

Enjoy competitive interest rates starting from 12% p.a. with this facility

Flexible Tenure

Choose from a repayment tenure ranging up to 12 years with a home loan balance transfer

Easy Transfer

Benefit from a convenient online loan transfer process from the comfort of your home.

Minimal Pre-closure Charges

Opt for a foreclosure facility at a minimal charge of 5%.

Eligibility Criteria for Vridhi Home Finance Home Loan Balance Transfer

Any salaried or self-employed individual can apply for this facility. To be eligible for a home loan balance transfer, ensure that your combined EMIs are not more than 50% of your salary.

Documents Required for Vridhi Home Finance Home Loan Balance Transfer

In addition to this, keep the following documents handy:

  • Passport

  • Driving licence

  • Address Proof: Any one of the following

    • Aadhaar card

    • Passport

    • Driving license

    • Utility bill

  • Age Proof: Any one of the following

    • PAN card

    • Passport

    • Voter ID

    • Driving license

    • Birth certificate

    • School leaving certificate (10th)

  • Income Proof: Salary slips and bank account statements of the last 3 months 

  • Bonus Proof: Of the last 2 years or variable incentive pay within the last 6 months

  • Employment Proof: Any one of the following 

    • Form 16 

    • Joining date on the salary slip

    • Appointment letter

How to Apply for Vridhi Home Finance Home Loan Balance Transfer on Bajaj Markets

You can follow these simple steps to apply for the balance transfer facility on Bajaj Markets:

  1. Click on ‘Check Offer’ on this page

  2. You will be directed to the online application form

  3. Choose your profession (Salaried Employee or Business Owner)

  4. Enter your mobile number to continue with the eligibility check

  5. Agree to the terms of use and authorise the sharing of details as required

  6. Click on ‘Apply Now’ to submit your application

Post this, a representative will contact you for further proceedings.

How to Check Vridhi Home Finance Home Loan Balance Transfer Status

ridhi Home Finance offers a convenient way to track the status of your Home Loan Balance Transfer application online. By using your registered details, you can access real-time updates. Follow the steps below: 

  1. After submitting your application, you receive a unique Application Reference Number

  2. Visit the Vridhi Home Finance website

  3. Click on the ‘CUSTOMER PORTAL’ under the ‘CUSTOMER CORNER’  section at the top right

  4. Enter your registered mobile number and log in

  5. Enter your Application Reference Number to check the application status

  6. You can also track updates through the Vridhi Home Finance Mobile App or by contacting customer care

How to Download Vridhi Home Finance Home Loan Balance Transfer Statement

Vridhi Home Finance provides convenient access to loan account statements for balance transfer through multiple channels. Statements are generally issued annually, but can also be requested as needed.

  • Branch Visit: Collect your loan account statement from the nearest branch, typically issued within 3 working days

  • Customer Care Call: Contact customer support at 8367101101 to request your statement

  • Email Support: Send your loan details to care@vridhihomefinance.co to receive the statement by email

  • Website: Submit a request via the official website www.vridhihomefinance.com

Annual Statement: Issued automatically every year by 30th April for all active accounts

Vridhi Home Finance Home Loan Balance Transfer Repayment Options

Vridhi Home Finance provides flexible repayment options for managing EMIs. These modes promote timely payments and help minimise the risk of delays or penalties.

  • eNACH/NACH Mandate

Register an electronic mandate by submitting your loan and bank details through email or at the nearest branch. EMIs are auto-debited on the due date, ensuring seamless repayment.

  • Prepayment Facility

Repay the loan amount partially or in full before the tenure ends. Prepayment charges may apply as per the loan agreement, so it is recommended to confirm with the loan officer.

  • Missed EMI Assistance

In case of a missed EMI, contact the customer service team immediately. Vridhi offers structured solutions to help regularise payments and prevent additional charges.

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Frequently Asked Questions

Can I get a lower interest rate with a Vridhi Home Finance Home Loan Balance Transfer?

Enjoy an interest rate starting from 12% p.a. by transferring the balance of your home loan to Vridhi Home Finance.

Yes. When you opt for a Vridhi Home Finance Home Loan Balance Transfer, you are required to pay a processing fee of up to 2% + GST, along with the applicable taxes. You may also be asked to pay a 5% prepayment penalty and other charges.

By opting for a balance transfer with Vridhi Home Finance, you can enjoy extended repayment tenures of up to 12 years.

Yes, you can transfer your existing home loan balance from most banks and financial institutions to Vridhi Home Finance. This facility enables you to benefit from lower interest rates, reduced EMIs, and greater repayment flexibility.

Yes, a minimum outstanding loan amount may be required to qualify for the balance transfer. This ensures that the transfer remains financially viable for both the customer and the institution.

Yes, Vridhi Home Finance Home Loan Balance Transfer permits part-prepayment or full prepayment, subject to a charge of 5% of the loan amount.

Yes, you may opt for a top-up loan during the balance transfer. The additional amount is determined based on your eligibility, repayment history, and property valuation.

Your monthly EMI may reduce if the interest rate under the new loan is lower than your existing rate.

No, accounts classified as NPA are not eligible for balance transfer. Only active accounts with regular repayments can be transferred.

No, having an insurance policy is not mandatory. However, opting for home loan insurance is recommended, as it provides financial protection against unforeseen events.

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