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Home Loan Balance Transfer in India: Benefits, Charges and When to Switch

A practical guide to transferring an existing home loan in India, comparing total costs, checking charges and deciding whether a new lender’s offer is worthwhile.

Oct 13, 2026 · 22 min read

Home Loan Balance Transfer in India: Benefits, Charges and When to Switch

October 13, 2026 by Samir Panchal

Illustration of an Indian home loan being transferred from one lender to another

A practical guide to transferring an existing home loan in India, comparing total costs, checking charges and deciding whether a new lender’s offer is worthwhile.