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Home Loan Balance Transfer

Home Loan Balance Transfer is a convenient way to manage your housing loan over the long term - as it can reduce your monthly EMI and get you additional funds.

Transfer your existing Home Loan to Tata Capital Home Loans - and avail a Top Up Loan also. Pay Lower EMIs and enjoy the flexibility of a longer repayment tenure to make the most of the additional funds available to you.

Key Features
  • Attractive interest rates to transfer your Home Loan at lower & cheaper EMI
  • Top Up facility of getting upto 25%* of the original loan amount as additional monies in your account
  • Higher loan tenure of upto 30 years
  • Flexi EMIs and customized repayment options to meet your needs
  • No hidden charges on our Home Loans
  • Minimal documentation and easy processing of the loan to make transfer convenient for you
  • Attractive schemes for employees of select corporates

  • Salaried individuals working in reputable companies
  • Self-employed professionals
  • Self-employed non-professionals or businessmen
  • Borrowers should earn income sufficient to service the home loan they want to avail
  • The eligibility criteria for different class of borrowers in terms of age is
  • You should be above 24 years of age at the time of borrowing the loan
  • You should be below 65 years of age or superannuation (for salaried individuals) whichever is earlier at the time of maturity of the loans

Documents Required for Home Loan Balance Transfers

The following documents are required by financial institutions to process a home loan balance transfer.
  • Pan card
  • Company ID card
  • Residence proof
  • Self owned residence ñ Latest Electricity Bill / Landline Bill / Credit Card Bill.
  • Rented residence ñ Current rent agreement with latest electricity of the flat,with a permanent residence proof.
  • Latest CTC
  • Latest Salary slip for the last 3 months
  • Till Date salary account statement bank statement for last 6 months


  • Form 16/ Latest salary slips
  • Bank statements of salary account for last 6 months
  • Voter's ID card, Driving license, Job card issued by NREGA/Aadhar card/PAN card (PAN card only as identity proof)
  • Passport/Voter's ID card/Driving license/Aadhar Card

Simple Loan Process

Turning Money Problems Into Solutions
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Choose Loan Amount

Choose your loan amount and terms to use loan

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Provide Document

Need to provide some basic document to verification

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Approved Loan

Our loan specialist ask fews question and verify docuements.

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Get your Money

Once loan aprroved you get loan amount credit.