Personal Loan Balance Transfer – Reduce Your EMI | Loan Pe Charcha
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Balance Transfer • For Salaried

Switch to a lower rate & shrink your EMI

We compare partner-bank offers, guide foreclosure, and move your loan — end-to-end, fast and secure.

Start Balance Transfer
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Reduse Rate To
9.99% p.a.
Get Your Offer
Online 10 seconds
Digital Journey
End-to-End*

Helpful tools: EMI Calculators • Eligibility & Offers

Quick demo

Enter your EMI and see before & after 9.99% p.a.

Just rough values are enough to understand savings.
₹1,00,000 ₹20,00,000 ₹40,00,000
Tenure opted (months)
₹0 ₹0 ₹10,00,000
New BT tenure (months)
Default is chosen near your remaining tenure.
18% GST will be added.
If you continue as it is
Remaining loan amount
–
ROI (approx)
–
Tenure left
–
Your EMI
–
Interest still to be paid
–
If you transfer @ 9.99% p.a.
Balance transfer amount
–
Extra loan (if any)
–
Total new loan amount
–
ROI (BT)
9.99% p.a.
New tenure
–
New EMI
–
Interest to be paid (incl. extra)
–
Pre-closure charges (incl. 18% GST): –
Saving on your current loan (excluding interest on extra amount): –
Approx extra loan possible at similar EMI: –
–
This is a rough demo. On the next page we show bank-wise offers with exact EMI, rate and charges.

How It Works

Four simple steps — share details, compare offers, upload docs, and we help you switch seamlessly.

1
Share current loan details
Outstanding, EMI, months paid & left
2
Get real offers from top banks
Multiple partner banks & live offers
3
Select bank & upload documents
KYC, statements, salary slips — securely
4
Approval & disbursement
Foreclosure support & quick disbursal
HDFC Bank ICICI Bank Axis Bank Kotak Mahindra Bank IDFC FIRST Bank YES Bank IndusInd Bank HDFC Bank ICICI Bank Axis Bank Kotak Mahindra Bank IDFC FIRST Bank YES Bank IndusInd Bank

Why Choose Us

Get live rate offers online
AI-powered engine checks bank-specific rules and shows offers that actually fit your profile.
Real, executable offers
Company, salary, location, existing EMIs — we use all of it to avoid fake “teaser” rates.
No surprises at disbursement
Rate, fees and EMI shown in your final offer are what you sign for. No last-minute changes.

Personal Loan Balance Transfer – FAQs

Moving your existing personal loan to another bank/NBFC for a better rate, revised tenure, or features. Charges and eligibility vary by lender.

Comparing offers through soft-check flows won’t impact your score. A lender’s final hard pull can have a small, temporary effect.

PAN, Aadhaar, recent salary slips, bank statements, address proof, and your existing loan statement for BT. Requirements differ by lender.

Instant pre-screens are common; final approval depends on underwriting and document verification, typically 2–4 days.

Ready to switch?

Start your Balance Transfer now. We’ll compare offers and guide you end-to-end.

Start Balance Transfer