✓ Home Loan Balance Transfer Facility ✓ Multiple Lending Partners ✓ Interest Rates Starting @ 8.30% Check Offer

Apply for a Truhome Finance Home Loan Balance Transfer and save on EMIs. The interest rates start from just 11.50% p.a., and you can repay the amount conveniently over a tenure of 25 years. Enjoy perks like a simple transfer process, minimal documentation and zero hidden charges. Also, get additional amounts to fulfil your needs with the help of a top-up loan.

Truhome Finance Home Loan Balance Transfer Interest Rates

Here are the interest rates and charges you need to be aware of before opting for this facility:

Interest Rate

11.50% p.a. onwards

Loan tenure

Up to 300 months or 25 years of repayment tenure (subject to your retirement age)

Processing Fee

  • Processing Fee: Up to 2.5% of the loan amount plus applicable taxes

  • Foreclosure Charges: 

    • Nil for Floating Rate Loans

    • As per MITC for Fixed Rate Loans

*Disclaimer: These rates are subject to change at the lender’s discretion.

While the extra charges add to your borrowing cost, a lower interest rate can help you save. A lower interest rate can help ease your EMI burden and reduce repayment costs. Let’s understand this better with an example. 

 

Assume you took a home loan worth ₹50 Lakhs for a tenure of 20 years. The interest charged on this loan by your current lender is 15% p.a. Here, the EMI payable amounts to ₹65,839.48. Now, how does a home loan balance transfer help? Check the following table:

Particulars

Current Home Loan Details

Home Loan Details After Transfer

Loan Amount

₹50 Lakhs

₹50 Lakhs

Interest Rate

15% p.a.

11.50% p.a.

EMI Amount

₹65,839.48

₹53,321.48

Let’s say you transferred your loan to Truhome Finance and received an interest rate of 11.50% p.a. The change in interest rate leads to a drop in your EMI amount. Your instalment amount decreases to ₹53,321.48. This enables you to save a considerable amount on your loan repayment.

Truhome Finance Home Loan Balance Transfer EMI Calculator

Loan Amount
₹ 5 L
₹ 15 L
₹ 1.5 Cr
₹ 15 Cr
Tenure
Months
12 M
246 M
480 M
Rate of Interest
6.00%
10.50%
15.00%
Home Loan Balance Transfer
Your Monthly Loan EMI
₹10,16,468.96
Principal Amount
₹10,00,00,000
Total Interest
₹20,49,40,689.49
Total Amount Payable
₹30,49,40,689.49
Amortization Schedule
Download Amortization Schedule Download
Expand Amortization Schedule
Year Payable Amount Principal Interest Balance
2025 ₹ 81,31,752 ₹ 4,80,987 ₹ 76,50,764 ₹ 9,95,19,013
May₹ 10,16,469₹ 58,136₹ 9,58,333₹ 9,99,41,864
Jun₹ 10,16,469₹ 58,693₹ 9,57,776₹ 9,98,83,172
Jul₹ 10,16,469₹ 59,255₹ 9,57,214₹ 9,98,23,916
Aug₹ 10,16,469₹ 59,823₹ 9,56,646₹ 9,97,64,093
Sep₹ 10,16,469₹ 60,396₹ 9,56,073₹ 9,97,03,697
Oct₹ 10,16,469₹ 60,975₹ 9,55,494₹ 9,96,42,722
Nov₹ 10,16,469₹ 61,560₹ 9,54,909₹ 9,95,81,162
Dec₹ 10,16,469₹ 62,149₹ 9,54,319₹ 9,95,19,013
2026 ₹ 1,21,97,628 ₹ 7,93,921 ₹ 1,14,03,705 ₹ 9,87,25,090
Jan₹ 10,16,469₹ 62,745₹ 9,53,724₹ 9,94,56,268
Feb₹ 10,16,469₹ 63,346₹ 9,53,123₹ 9,93,92,921
Mar₹ 10,16,469₹ 63,953₹ 9,52,515₹ 9,93,28,968
Apr₹ 10,16,469₹ 64,566₹ 9,51,903₹ 9,92,64,401
May₹ 10,16,469₹ 65,185₹ 9,51,284₹ 9,91,99,216
Jun₹ 10,16,469₹ 65,810₹ 9,50,659₹ 9,91,33,406
Jul₹ 10,16,469₹ 66,440₹ 9,50,028₹ 9,90,66,966
Aug₹ 10,16,469₹ 67,077₹ 9,49,392₹ 9,89,99,889
Sep₹ 10,16,469₹ 67,720₹ 9,48,749₹ 9,89,32,169
Oct₹ 10,16,469₹ 68,369₹ 9,48,100₹ 9,88,63,800
Nov₹ 10,16,469₹ 69,024₹ 9,47,445₹ 9,87,94,776
Dec₹ 10,16,469₹ 69,686₹ 9,46,783₹ 9,87,25,090
2027 ₹ 1,21,97,628 ₹ 8,90,194 ₹ 1,13,07,434 ₹ 9,78,34,896
Jan₹ 10,16,469₹ 70,354₹ 9,46,115₹ 9,86,54,736
Feb₹ 10,16,469₹ 71,028₹ 9,45,441₹ 9,85,83,709
Mar₹ 10,16,469₹ 71,708₹ 9,44,761₹ 9,85,12,000
Apr₹ 10,16,469₹ 72,396₹ 9,44,073₹ 9,84,39,605
May₹ 10,16,469₹ 73,089₹ 9,43,380₹ 9,83,66,515
Jun₹ 10,16,469₹ 73,790₹ 9,42,679₹ 9,82,92,725
Jul₹ 10,16,469₹ 74,497₹ 9,41,972₹ 9,82,18,228
Aug₹ 10,16,469₹ 75,211₹ 9,41,258₹ 9,81,43,017
Sep₹ 10,16,469₹ 75,932₹ 9,40,537₹ 9,80,67,086
Oct₹ 10,16,469₹ 76,659₹ 9,39,810₹ 9,79,90,426
Nov₹ 10,16,469₹ 77,394₹ 9,39,075₹ 9,79,13,032
Dec₹ 10,16,469₹ 78,136₹ 9,38,333₹ 9,78,34,896
2028 ₹ 1,21,97,628 ₹ 9,98,138 ₹ 1,11,99,489 ₹ 9,68,36,759
Jan₹ 10,16,469₹ 78,885₹ 9,37,584₹ 9,77,56,012
Feb₹ 10,16,469₹ 79,641₹ 9,36,828₹ 9,76,76,371
Mar₹ 10,16,469₹ 80,404₹ 9,36,065₹ 9,75,95,968
Apr₹ 10,16,469₹ 81,174₹ 9,35,295₹ 9,75,14,793
May₹ 10,16,469₹ 81,952₹ 9,34,517₹ 9,74,32,841
Jun₹ 10,16,469₹ 82,738₹ 9,33,731₹ 9,73,50,104
Jul₹ 10,16,469₹ 83,530₹ 9,32,938₹ 9,72,66,573
Aug₹ 10,16,469₹ 84,331₹ 9,32,138₹ 9,71,82,242
Sep₹ 10,16,469₹ 85,139₹ 9,31,330₹ 9,70,97,103
Oct₹ 10,16,469₹ 85,955₹ 9,30,514₹ 9,70,11,148
Nov₹ 10,16,469₹ 86,779₹ 9,29,690₹ 9,69,24,369
Dec₹ 10,16,469₹ 87,610₹ 9,28,859₹ 9,68,36,759
2029 ₹ 1,21,97,628 ₹ 11,19,171 ₹ 1,10,78,457 ₹ 9,57,17,588
Jan₹ 10,16,469₹ 88,450₹ 9,28,019₹ 9,67,48,309
Feb₹ 10,16,469₹ 89,298₹ 9,27,171₹ 9,66,59,011
Mar₹ 10,16,469₹ 90,153₹ 9,26,316₹ 9,65,68,858
Apr₹ 10,16,469₹ 91,017₹ 9,25,452₹ 9,64,77,840
May₹ 10,16,469₹ 91,890₹ 9,24,579₹ 9,63,85,951
Jun₹ 10,16,469₹ 92,770₹ 9,23,699₹ 9,62,93,180
Jul₹ 10,16,469₹ 93,659₹ 9,22,810₹ 9,61,99,521
Aug₹ 10,16,469₹ 94,557₹ 9,21,912₹ 9,61,04,964
Sep₹ 10,16,469₹ 95,463₹ 9,21,006₹ 9,60,09,501
Oct₹ 10,16,469₹ 96,378₹ 9,20,091₹ 9,59,13,123
Nov₹ 10,16,469₹ 97,302₹ 9,19,167₹ 9,58,15,822
Dec₹ 10,16,469₹ 98,234₹ 9,18,235₹ 9,57,17,588
2030 ₹ 1,21,97,628 ₹ 12,54,881 ₹ 1,09,42,747 ₹ 9,44,62,706
Jan₹ 10,16,469₹ 99,175₹ 9,17,294₹ 9,56,18,412
Feb₹ 10,16,469₹ 1,00,126₹ 9,16,343₹ 9,55,18,286
Mar₹ 10,16,469₹ 1,01,085₹ 9,15,384₹ 9,54,17,201
Apr₹ 10,16,469₹ 1,02,054₹ 9,14,415₹ 9,53,15,147
May₹ 10,16,469₹ 1,03,032₹ 9,13,437₹ 9,52,12,115
Jun₹ 10,16,469₹ 1,04,020₹ 9,12,449₹ 9,51,08,095
Jul₹ 10,16,469₹ 1,05,016₹ 9,11,453₹ 9,50,03,079
Aug₹ 10,16,469₹ 1,06,023₹ 9,10,446₹ 9,48,97,056
Sep₹ 10,16,469₹ 1,07,039₹ 9,09,430₹ 9,47,90,017
Oct₹ 10,16,469₹ 1,08,065₹ 9,08,404₹ 9,46,81,953
Nov₹ 10,16,469₹ 1,09,100₹ 9,07,369₹ 9,45,72,852
Dec₹ 10,16,469₹ 1,10,146₹ 9,06,323₹ 9,44,62,706
2031 ₹ 1,21,97,628 ₹ 14,07,047 ₹ 1,07,90,580 ₹ 9,30,55,659
Jan₹ 10,16,469₹ 1,11,201₹ 9,05,268₹ 9,43,51,505
Feb₹ 10,16,469₹ 1,12,267₹ 9,04,202₹ 9,42,39,238
Mar₹ 10,16,469₹ 1,13,343₹ 9,03,126₹ 9,41,25,895
Apr₹ 10,16,469₹ 1,14,429₹ 9,02,040₹ 9,40,11,466
May₹ 10,16,469₹ 1,15,526₹ 9,00,943₹ 9,38,95,940
Jun₹ 10,16,469₹ 1,16,633₹ 8,99,836₹ 9,37,79,307
Jul₹ 10,16,469₹ 1,17,751₹ 8,98,718₹ 9,36,61,557
Aug₹ 10,16,469₹ 1,18,879₹ 8,97,590₹ 9,35,42,678
Sep₹ 10,16,469₹ 1,20,018₹ 8,96,451₹ 9,34,22,659
Oct₹ 10,16,469₹ 1,21,168₹ 8,95,300₹ 9,33,01,491
Nov₹ 10,16,469₹ 1,22,330₹ 8,94,139₹ 9,31,79,161
Dec₹ 10,16,469₹ 1,23,502₹ 8,92,967₹ 9,30,55,659
2032 ₹ 1,21,97,628 ₹ 15,77,665 ₹ 1,06,19,963 ₹ 9,14,77,995
Jan₹ 10,16,469₹ 1,24,686₹ 8,91,783₹ 9,29,30,974
Feb₹ 10,16,469₹ 1,25,880₹ 8,90,589₹ 9,28,05,093
Mar₹ 10,16,469₹ 1,27,087₹ 8,89,382₹ 9,26,78,006
Apr₹ 10,16,469₹ 1,28,305₹ 8,88,164₹ 9,25,49,702
May₹ 10,16,469₹ 1,29,534₹ 8,86,935₹ 9,24,20,167
Jun₹ 10,16,469₹ 1,30,776₹ 8,85,693₹ 9,22,89,392
Jul₹ 10,16,469₹ 1,32,029₹ 8,84,440₹ 9,21,57,363
Aug₹ 10,16,469₹ 1,33,294₹ 8,83,175₹ 9,20,24,069
Sep₹ 10,16,469₹ 1,34,572₹ 8,81,897₹ 9,18,89,497
Oct₹ 10,16,469₹ 1,35,861₹ 8,80,608₹ 9,17,53,636
Nov₹ 10,16,469₹ 1,37,163₹ 8,79,306₹ 9,16,16,472
Dec₹ 10,16,469₹ 1,38,478₹ 8,77,991₹ 9,14,77,995
2033 ₹ 1,21,97,628 ₹ 17,68,972 ₹ 1,04,28,655 ₹ 8,97,09,023
Jan₹ 10,16,469₹ 1,39,805₹ 8,76,664₹ 9,13,38,190
Feb₹ 10,16,469₹ 1,41,145₹ 8,75,324₹ 9,11,97,045
Mar₹ 10,16,469₹ 1,42,497₹ 8,73,972₹ 9,10,54,548
Apr₹ 10,16,469₹ 1,43,863₹ 8,72,606₹ 9,09,10,685
May₹ 10,16,469₹ 1,45,242₹ 8,71,227₹ 9,07,65,443
Jun₹ 10,16,469₹ 1,46,633₹ 8,69,836₹ 9,06,18,810
Jul₹ 10,16,469₹ 1,48,039₹ 8,68,430₹ 9,04,70,771
Aug₹ 10,16,469₹ 1,49,457₹ 8,67,012₹ 9,03,21,314
Sep₹ 10,16,469₹ 1,50,890₹ 8,65,579₹ 9,01,70,424
Oct₹ 10,16,469₹ 1,52,336₹ 8,64,133₹ 9,00,18,088
Nov₹ 10,16,469₹ 1,53,796₹ 8,62,673₹ 8,98,64,293
Dec₹ 10,16,469₹ 1,55,269₹ 8,61,199₹ 8,97,09,023
2034 ₹ 1,21,97,628 ₹ 19,83,475 ₹ 1,02,14,151 ₹ 8,77,25,548
Jan₹ 10,16,469₹ 1,56,757₹ 8,59,711₹ 8,95,52,266
Feb₹ 10,16,469₹ 1,58,260₹ 8,58,209₹ 8,93,94,006
Mar₹ 10,16,469₹ 1,59,776₹ 8,56,693₹ 8,92,34,230
Apr₹ 10,16,469₹ 1,61,308₹ 8,55,161₹ 8,90,72,922
May₹ 10,16,469₹ 1,62,853₹ 8,53,616₹ 8,89,10,069
Jun₹ 10,16,469₹ 1,64,414₹ 8,52,055₹ 8,87,45,654
Jul₹ 10,16,469₹ 1,65,990₹ 8,50,479₹ 8,85,79,665
Aug₹ 10,16,469₹ 1,67,581₹ 8,48,888₹ 8,84,12,084
Sep₹ 10,16,469₹ 1,69,186₹ 8,47,282₹ 8,82,42,898
Oct₹ 10,16,469₹ 1,70,808₹ 8,45,661₹ 8,80,72,090
Nov₹ 10,16,469₹ 1,72,445₹ 8,44,024₹ 8,78,99,645
Dec₹ 10,16,469₹ 1,74,097₹ 8,42,372₹ 8,77,25,548
2035 ₹ 1,21,97,628 ₹ 22,23,991 ₹ 99,73,637 ₹ 8,55,01,557
Jan₹ 10,16,469₹ 1,75,766₹ 8,40,703₹ 8,75,49,782
Feb₹ 10,16,469₹ 1,77,450₹ 8,39,019₹ 8,73,72,332
Mar₹ 10,16,469₹ 1,79,151₹ 8,37,318₹ 8,71,93,181
Apr₹ 10,16,469₹ 1,80,868₹ 8,35,601₹ 8,70,12,313
May₹ 10,16,469₹ 1,82,601₹ 8,33,868₹ 8,68,29,712
Jun₹ 10,16,469₹ 1,84,351₹ 8,32,118₹ 8,66,45,361
Jul₹ 10,16,469₹ 1,86,118₹ 8,30,351₹ 8,64,59,244
Aug₹ 10,16,469₹ 1,87,901₹ 8,28,568₹ 8,62,71,343
Sep₹ 10,16,469₹ 1,89,702₹ 8,26,767₹ 8,60,81,641
Oct₹ 10,16,469₹ 1,91,520₹ 8,24,949₹ 8,58,90,121
Nov₹ 10,16,469₹ 1,93,355₹ 8,23,114₹ 8,56,96,766
Dec₹ 10,16,469₹ 1,95,208₹ 8,21,261₹ 8,55,01,557
2036 ₹ 1,21,97,628 ₹ 24,93,669 ₹ 97,03,957 ₹ 8,30,07,887
Jan₹ 10,16,469₹ 1,97,079₹ 8,19,390₹ 8,53,04,478
Feb₹ 10,16,469₹ 1,98,968₹ 8,17,501₹ 8,51,05,510
Mar₹ 10,16,469₹ 2,00,874₹ 8,15,594₹ 8,49,04,636
Apr₹ 10,16,469₹ 2,02,800₹ 8,13,669₹ 8,47,01,836
May₹ 10,16,469₹ 2,04,743₹ 8,11,726₹ 8,44,97,093
Jun₹ 10,16,469₹ 2,06,705₹ 8,09,764₹ 8,42,90,388
Jul₹ 10,16,469₹ 2,08,686₹ 8,07,783₹ 8,40,81,702
Aug₹ 10,16,469₹ 2,10,686₹ 8,05,783₹ 8,38,71,016
Sep₹ 10,16,469₹ 2,12,705₹ 8,03,764₹ 8,36,58,311
Oct₹ 10,16,469₹ 2,14,743₹ 8,01,725₹ 8,34,43,568
Nov₹ 10,16,469₹ 2,16,801₹ 7,99,668₹ 8,32,26,766
Dec₹ 10,16,469₹ 2,18,879₹ 7,97,590₹ 8,30,07,887
2037 ₹ 1,21,97,628 ₹ 27,96,051 ₹ 94,01,577 ₹ 8,02,11,836
Jan₹ 10,16,469₹ 2,20,977₹ 7,95,492₹ 8,27,86,910
Feb₹ 10,16,469₹ 2,23,094₹ 7,93,375₹ 8,25,63,816
Mar₹ 10,16,469₹ 2,25,232₹ 7,91,237₹ 8,23,38,584
Apr₹ 10,16,469₹ 2,27,391₹ 7,89,078₹ 8,21,11,193
May₹ 10,16,469₹ 2,29,570₹ 7,86,899₹ 8,18,81,623
Jun₹ 10,16,469₹ 2,31,770₹ 7,84,699₹ 8,16,49,853
Jul₹ 10,16,469₹ 2,33,991₹ 7,82,478₹ 8,14,15,861
Aug₹ 10,16,469₹ 2,36,234₹ 7,80,235₹ 8,11,79,628
Sep₹ 10,16,469₹ 2,38,498₹ 7,77,971₹ 8,09,41,130
Oct₹ 10,16,469₹ 2,40,783₹ 7,75,686₹ 8,07,00,347
Nov₹ 10,16,469₹ 2,43,091₹ 7,73,378₹ 8,04,57,257
Dec₹ 10,16,469₹ 2,45,420₹ 7,71,049₹ 8,02,11,836
2038 ₹ 1,21,97,628 ₹ 31,35,099 ₹ 90,62,529 ₹ 7,70,76,738
Jan₹ 10,16,469₹ 2,47,772₹ 7,68,697₹ 7,99,64,064
Feb₹ 10,16,469₹ 2,50,147₹ 7,66,322₹ 7,97,13,917
Mar₹ 10,16,469₹ 2,52,544₹ 7,63,925₹ 7,94,61,373
Apr₹ 10,16,469₹ 2,54,964₹ 7,61,505₹ 7,92,06,409
May₹ 10,16,469₹ 2,57,408₹ 7,59,061₹ 7,89,49,002
Jun₹ 10,16,469₹ 2,59,874₹ 7,56,595₹ 7,86,89,127
Jul₹ 10,16,469₹ 2,62,365₹ 7,54,104₹ 7,84,26,763
Aug₹ 10,16,469₹ 2,64,879₹ 7,51,590₹ 7,81,61,883
Sep₹ 10,16,469₹ 2,67,418₹ 7,49,051₹ 7,78,94,466
Oct₹ 10,16,469₹ 2,69,980₹ 7,46,489₹ 7,76,24,486
Nov₹ 10,16,469₹ 2,72,568₹ 7,43,901₹ 7,73,51,918
Dec₹ 10,16,469₹ 2,75,180₹ 7,41,289₹ 7,70,76,738
2039 ₹ 1,21,97,628 ₹ 35,15,258 ₹ 86,82,370 ₹ 7,35,61,480
Jan₹ 10,16,469₹ 2,77,817₹ 7,38,652₹ 7,67,98,921
Feb₹ 10,16,469₹ 2,80,479₹ 7,35,990₹ 7,65,18,442
Mar₹ 10,16,469₹ 2,83,167₹ 7,33,302₹ 7,62,35,275
Apr₹ 10,16,469₹ 2,85,881₹ 7,30,588₹ 7,59,49,394
May₹ 10,16,469₹ 2,88,621₹ 7,27,848₹ 7,56,60,773
Jun₹ 10,16,469₹ 2,91,387₹ 7,25,082₹ 7,53,69,387
Jul₹ 10,16,469₹ 2,94,179₹ 7,22,290₹ 7,50,75,208
Aug₹ 10,16,469₹ 2,96,998₹ 7,19,471₹ 7,47,78,209
Sep₹ 10,16,469₹ 2,99,844₹ 7,16,625₹ 7,44,78,365
Oct₹ 10,16,469₹ 3,02,718₹ 7,13,751₹ 7,41,75,647
Nov₹ 10,16,469₹ 3,05,619₹ 7,10,850₹ 7,38,70,028
Dec₹ 10,16,469₹ 3,08,548₹ 7,07,921₹ 7,35,61,480
2040 ₹ 1,21,97,628 ₹ 39,41,516 ₹ 82,56,112 ₹ 6,96,19,964
Jan₹ 10,16,469₹ 3,11,505₹ 7,04,964₹ 7,32,49,975
Feb₹ 10,16,469₹ 3,14,490₹ 7,01,979₹ 7,29,35,485
Mar₹ 10,16,469₹ 3,17,504₹ 6,98,965₹ 7,26,17,982
Apr₹ 10,16,469₹ 3,20,547₹ 6,95,922₹ 7,22,97,435
May₹ 10,16,469₹ 3,23,619₹ 6,92,850₹ 7,19,73,816
Jun₹ 10,16,469₹ 3,26,720₹ 6,89,749₹ 7,16,47,096
Jul₹ 10,16,469₹ 3,29,851₹ 6,86,618₹ 7,13,17,246
Aug₹ 10,16,469₹ 3,33,012₹ 6,83,457₹ 7,09,84,233
Sep₹ 10,16,469₹ 3,36,203₹ 6,80,266₹ 7,06,48,030
Oct₹ 10,16,469₹ 3,39,425₹ 6,77,044₹ 7,03,08,605
Nov₹ 10,16,469₹ 3,42,678₹ 6,73,791₹ 6,99,65,927
Dec₹ 10,16,469₹ 3,45,962₹ 6,70,507₹ 6,96,19,964
2041 ₹ 1,21,97,628 ₹ 44,19,461 ₹ 77,78,167 ₹ 6,52,00,503
Jan₹ 10,16,469₹ 3,49,278₹ 6,67,191₹ 6,92,70,687
Feb₹ 10,16,469₹ 3,52,625₹ 6,63,844₹ 6,89,18,062
Mar₹ 10,16,469₹ 3,56,004₹ 6,60,465₹ 6,85,62,058
Apr₹ 10,16,469₹ 3,59,416₹ 6,57,053₹ 6,82,02,642
May₹ 10,16,469₹ 3,62,860₹ 6,53,609₹ 6,78,39,782
Jun₹ 10,16,469₹ 3,66,338₹ 6,50,131₹ 6,74,73,444
Jul₹ 10,16,469₹ 3,69,848₹ 6,46,621₹ 6,71,03,595
Aug₹ 10,16,469₹ 3,73,393₹ 6,43,076₹ 6,67,30,202
Sep₹ 10,16,469₹ 3,76,971₹ 6,39,498₹ 6,63,53,231
Oct₹ 10,16,469₹ 3,80,584₹ 6,35,885₹ 6,59,72,647
Nov₹ 10,16,469₹ 3,84,231₹ 6,32,238₹ 6,55,88,416
Dec₹ 10,16,469₹ 3,87,913₹ 6,28,556₹ 6,52,00,503
2042 ₹ 1,21,97,628 ₹ 49,55,362 ₹ 72,42,266 ₹ 6,02,45,141
Jan₹ 10,16,469₹ 3,91,631₹ 6,24,838₹ 6,48,08,872
Feb₹ 10,16,469₹ 3,95,384₹ 6,21,085₹ 6,44,13,488
Mar₹ 10,16,469₹ 3,99,173₹ 6,17,296₹ 6,40,14,315
Apr₹ 10,16,469₹ 4,02,998₹ 6,13,471₹ 6,36,11,317
May₹ 10,16,469₹ 4,06,861₹ 6,09,608₹ 6,32,04,456
Jun₹ 10,16,469₹ 4,10,760₹ 6,05,709₹ 6,27,93,697
Jul₹ 10,16,469₹ 4,14,696₹ 6,01,773₹ 6,23,79,001
Aug₹ 10,16,469₹ 4,18,670₹ 5,97,799₹ 6,19,60,331
Sep₹ 10,16,469₹ 4,22,682₹ 5,93,787₹ 6,15,37,648
Oct₹ 10,16,469₹ 4,26,733₹ 5,89,736₹ 6,11,10,915
Nov₹ 10,16,469₹ 4,30,823₹ 5,85,646₹ 6,06,80,092
Dec₹ 10,16,469₹ 4,34,951₹ 5,81,518₹ 6,02,45,141
2043 ₹ 1,21,97,628 ₹ 55,56,247 ₹ 66,41,380 ₹ 5,46,88,895
Jan₹ 10,16,469₹ 4,39,120₹ 5,77,349₹ 5,98,06,021
Feb₹ 10,16,469₹ 4,43,328₹ 5,73,141₹ 5,93,62,693
Mar₹ 10,16,469₹ 4,47,576₹ 5,68,892₹ 5,89,15,117
Apr₹ 10,16,469₹ 4,51,866₹ 5,64,603₹ 5,84,63,251
May₹ 10,16,469₹ 4,56,196₹ 5,60,273₹ 5,80,07,055
Jun₹ 10,16,469₹ 4,60,568₹ 5,55,901₹ 5,75,46,487
Jul₹ 10,16,469₹ 4,64,982₹ 5,51,487₹ 5,70,81,505
Aug₹ 10,16,469₹ 4,69,438₹ 5,47,031₹ 5,66,12,067
Sep₹ 10,16,469₹ 4,73,937₹ 5,42,532₹ 5,61,38,130
Oct₹ 10,16,469₹ 4,78,479₹ 5,37,990₹ 5,56,59,652
Nov₹ 10,16,469₹ 4,83,064₹ 5,33,405₹ 5,51,76,588
Dec₹ 10,16,469₹ 4,87,693₹ 5,28,776₹ 5,46,88,895
2044 ₹ 1,21,97,628 ₹ 62,29,994 ₹ 59,67,634 ₹ 4,84,58,902
Jan₹ 10,16,469₹ 4,92,367₹ 5,24,102₹ 5,41,96,528
Feb₹ 10,16,469₹ 4,97,086₹ 5,19,383₹ 5,36,99,442
Mar₹ 10,16,469₹ 5,01,849₹ 5,14,620₹ 5,31,97,593
Apr₹ 10,16,469₹ 5,06,659₹ 5,09,810₹ 5,26,90,934
May₹ 10,16,469₹ 5,11,514₹ 5,04,955₹ 5,21,79,420
Jun₹ 10,16,469₹ 5,16,416₹ 5,00,053₹ 5,16,63,004
Jul₹ 10,16,469₹ 5,21,365₹ 4,95,104₹ 5,11,41,638
Aug₹ 10,16,469₹ 5,26,362₹ 4,90,107₹ 5,06,15,277
Sep₹ 10,16,469₹ 5,31,406₹ 4,85,063₹ 5,00,83,871
Oct₹ 10,16,469₹ 5,36,499₹ 4,79,970₹ 4,95,47,372
Nov₹ 10,16,469₹ 5,41,640₹ 4,74,829₹ 4,90,05,732
Dec₹ 10,16,469₹ 5,46,831₹ 4,69,638₹ 4,84,58,902
2045 ₹ 1,21,97,628 ₹ 69,85,438 ₹ 52,12,189 ₹ 4,14,73,464
Jan₹ 10,16,469₹ 5,52,071₹ 4,64,398₹ 4,79,06,831
Feb₹ 10,16,469₹ 5,57,362₹ 4,59,107₹ 4,73,49,469
Mar₹ 10,16,469₹ 5,62,703₹ 4,53,766₹ 4,67,86,766
Apr₹ 10,16,469₹ 5,68,096₹ 4,48,373₹ 4,62,18,670
May₹ 10,16,469₹ 5,73,540₹ 4,42,929₹ 4,56,45,130
Jun₹ 10,16,469₹ 5,79,036₹ 4,37,432₹ 4,50,66,093
Jul₹ 10,16,469₹ 5,84,586₹ 4,31,883₹ 4,44,81,508
Aug₹ 10,16,469₹ 5,90,188₹ 4,26,281₹ 4,38,91,320
Sep₹ 10,16,469₹ 5,95,844₹ 4,20,625₹ 4,32,95,476
Oct₹ 10,16,469₹ 6,01,554₹ 4,14,915₹ 4,26,93,922
Nov₹ 10,16,469₹ 6,07,319₹ 4,09,150₹ 4,20,86,603
Dec₹ 10,16,469₹ 6,13,139₹ 4,03,330₹ 4,14,73,464
2046 ₹ 1,21,97,628 ₹ 78,32,487 ₹ 43,65,141 ₹ 3,36,40,977
Jan₹ 10,16,469₹ 6,19,015₹ 3,97,454₹ 4,08,54,449
Feb₹ 10,16,469₹ 6,24,947₹ 3,91,522₹ 4,02,29,502
Mar₹ 10,16,469₹ 6,30,936₹ 3,85,533₹ 3,95,98,566
Apr₹ 10,16,469₹ 6,36,983₹ 3,79,486₹ 3,89,61,583
May₹ 10,16,469₹ 6,43,087₹ 3,73,382₹ 3,83,18,496
Jun₹ 10,16,469₹ 6,49,250₹ 3,67,219₹ 3,76,69,246
Jul₹ 10,16,469₹ 6,55,472₹ 3,60,997₹ 3,70,13,774
Aug₹ 10,16,469₹ 6,61,754₹ 3,54,715₹ 3,63,52,020
Sep₹ 10,16,469₹ 6,68,095₹ 3,48,374₹ 3,56,83,925
Oct₹ 10,16,469₹ 6,74,498₹ 3,41,971₹ 3,50,09,427
Nov₹ 10,16,469₹ 6,80,962₹ 3,35,507₹ 3,43,28,465
Dec₹ 10,16,469₹ 6,87,488₹ 3,28,981₹ 3,36,40,977
2047 ₹ 1,21,97,628 ₹ 87,82,248 ₹ 34,15,380 ₹ 2,48,58,728
Jan₹ 10,16,469₹ 6,94,076₹ 3,22,393₹ 3,29,46,901
Feb₹ 10,16,469₹ 7,00,728₹ 3,15,741₹ 3,22,46,173
Mar₹ 10,16,469₹ 7,07,443₹ 3,09,026₹ 3,15,38,730
Apr₹ 10,16,469₹ 7,14,223₹ 3,02,246₹ 3,08,24,507
May₹ 10,16,469₹ 7,21,067₹ 2,95,402₹ 3,01,03,440
Jun₹ 10,16,469₹ 7,27,978₹ 2,88,491₹ 2,93,75,462
Jul₹ 10,16,469₹ 7,34,954₹ 2,81,515₹ 2,86,40,508
Aug₹ 10,16,469₹ 7,41,997₹ 2,74,472₹ 2,78,98,511
Sep₹ 10,16,469₹ 7,49,108₹ 2,67,361₹ 2,71,49,402
Oct₹ 10,16,469₹ 7,56,287₹ 2,60,182₹ 2,63,93,115
Nov₹ 10,16,469₹ 7,63,535₹ 2,52,934₹ 2,56,29,580
Dec₹ 10,16,469₹ 7,70,852₹ 2,45,617₹ 2,48,58,728
2048 ₹ 1,21,97,628 ₹ 98,47,180 ₹ 23,50,447 ₹ 1,50,11,549
Jan₹ 10,16,469₹ 7,78,239₹ 2,38,229₹ 2,40,80,489
Feb₹ 10,16,469₹ 7,85,698₹ 2,30,771₹ 2,32,94,791
Mar₹ 10,16,469₹ 7,93,227₹ 2,23,242₹ 2,25,01,564
Apr₹ 10,16,469₹ 8,00,829₹ 2,15,640₹ 2,17,00,735
May₹ 10,16,469₹ 8,08,504₹ 2,07,965₹ 2,08,92,231
Jun₹ 10,16,469₹ 8,16,252₹ 2,00,217₹ 2,00,75,979
Jul₹ 10,16,469₹ 8,24,074₹ 1,92,395₹ 1,92,51,905
Aug₹ 10,16,469₹ 8,31,972₹ 1,84,497₹ 1,84,19,934
Sep₹ 10,16,469₹ 8,39,945₹ 1,76,524₹ 1,75,79,989
Oct₹ 10,16,469₹ 8,47,994₹ 1,68,475₹ 1,67,31,995
Nov₹ 10,16,469₹ 8,56,121₹ 1,60,348₹ 1,58,75,874
Dec₹ 10,16,469₹ 8,64,325₹ 1,52,144₹ 1,50,11,549
2049 ₹ 1,21,97,628 ₹ 1,10,41,241 ₹ 11,56,387 ₹ 39,70,308
Jan₹ 10,16,469₹ 8,72,608₹ 1,43,861₹ 1,41,38,941
Feb₹ 10,16,469₹ 8,80,971₹ 1,35,498₹ 1,32,57,970
Mar₹ 10,16,469₹ 8,89,413₹ 1,27,056₹ 1,23,68,557
Apr₹ 10,16,469₹ 8,97,937₹ 1,18,532₹ 1,14,70,620
May₹ 10,16,469₹ 9,06,542₹ 1,09,927₹ 1,05,64,078
Jun₹ 10,16,469₹ 9,15,230₹ 1,01,239₹ 96,48,848
Jul₹ 10,16,469₹ 9,24,001₹ 92,468₹ 87,24,847
Aug₹ 10,16,469₹ 9,32,856₹ 83,613₹ 77,91,991
Sep₹ 10,16,469₹ 9,41,796₹ 74,673₹ 68,50,195
Oct₹ 10,16,469₹ 9,50,821₹ 65,648₹ 58,99,374
Nov₹ 10,16,469₹ 9,59,933₹ 56,536₹ 49,39,441
Dec₹ 10,16,469₹ 9,69,133₹ 47,336₹ 39,70,308
2050 ₹ 40,65,876 ₹ 39,70,300 ₹ 95,576 ₹ 8
Jan₹ 10,16,469₹ 9,78,420₹ 38,049₹ 29,91,888
Feb₹ 10,16,469₹ 9,87,797₹ 28,672₹ 20,04,091
Mar₹ 10,16,469₹ 9,97,263₹ 19,206₹ 10,06,828
Apr₹ 10,16,469₹ 10,06,820₹ 9,649₹ 8

Features and Benefits

Check out the features and benefits of a home loan balance transfer:

Pocket-friendly Interest Rates

With a good credit score, benefit from low home loan balance transfer interest rates starting at 11.50% p.a.

Flexible Repayment Options

Enjoy stress-free loan repayment by choosing an ideal tenure of up to 25 years.

No Hidden Charges

Benefit from complete transparency and no hidden fees and charges.

Eligibility Criteria and Documents Required

Meet the following eligibility criteria to enjoy a hassle-free application process:

  • You must be a salaried individual or a self-employed professional/non-professional. A non-individual entity can also apply.

  • You must be at least 24 years old when applying and lower than 70 years old at the time of maturity

  • Your monthly income must be more than ₹30,000

  • If you are a salaried individual, you need to have a work experience of minimum 2 years

  • If you are self-employed, your business vintage must be at least 3 years

 

Here is the list of the documents required for Truhome Finance Home Loan Balance Transfer:

1. Basic Documents:

  • Completed Loan Application

  • ID proof such as PAN card, Aadhaar card, passport, voter ID, etc.

  • Address proof such as ration card, Aadhaar card, passport, etc. 

2. Income Documents:

Salaried Individuals:

  • Form 16

  • Certified letter from the Employer

  • Updated 6 months’ bank statement

  • Pay slips for the last 2 months, Increment or Promotion letter

  • Investment proofs (like fixed deposits, shares, etc.)

  • I-T returns (for 3 years)

  • Passport-size photographs

 

Self-Employed Individuals:

  • Updated 6 months bank statement

  • A brief introduction of his or her profession/business

  • Income tax returns for the last 3 years and the computation of income. These must be duly attested by a Chartered Accountant.

  • Balance Sheet and Profit & Loss account for the last 2 years of the firm. These should be duly attested by a Chartered Accountant 

3. Property Documents:

  • Sale deed, agreement of sale with the builder (original copy)

  • Land and building tax-paid receipts

  • Location sketch of the property certified by the revenue authorities

  • Possession certificate

  • An approved copy of the building plan 

  • Original receipts of the advance payments that are made towards the purchase of flat

 

Disclaimer: The list of documents required is not exhaustive. Kindly refer to the official website for the complete list of accepted documents.

How to Apply?

Here are some simple steps to follow to apply for a home loan balance transfer:

  • Click on the ‘Apply Now’ option on this page

  • Enter your personal details in the online application form

  • Choose ‘Truhome Finance’ from the list

  • Provide your preferred loan amount and repayment period

  • Submit the application form

  • After this, a representative will contact you for further proceedings.

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Frequently Asked Questions

Do I need to pay any prepayment fee for this balance transfer from Truhome Finance?

There are no foreclosure charges for individual borrowers opting for floating-rate loans. A charge may be applicable in the case of fixed-rate loans, as per the lender’s MITC.

Can I choose a different loan tenure when transferring my home loan? How does it affect the EMI?

Yes, you can choose a different loan tenure when you transfer your existing loan to Truhome Finance. The EMI amount will be lower if you choose a longer tenure and vice-versa.

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