Balance Transfer

Ease Your EMIs, Maximize Your Savings

Starting rate of 7.75%
Save on EMI payments
Zero-touch loan
Get additional top-up

What is Balance Transfer Loan

Lower EMIs. Better Service. Greater Savings.

Ease your financial burden with a loan balance transfer to Godrej Housing Finance. Enjoy reduced EMIs, competitive interest rates, and higher eligibility all backed by our reliable customer support and transparent processes.

Switch to a trusted lender with Godrej Housing Finance Balance Transfer and experience consistency, flexibility, and peace of mind every step of the way.

Interest rates starting from

7.75% p.a.

Additional

Top-up Loans

Minimal

Documentation

Quick

Sanction

style

global-title-top-padding, global-top-padding-tab, font-style

animation

true

animation-threshold

0.2

Loan Balance Transfer: Offers by Godrej Finance

style

Padding-v1, global-title-component-padding, global-top-padding-tab

timing

teaser-target-id

homepage-carousel-secondary

style

Hero-carousel-secondary

summary

*Loans offered/financed by Godrej Finance/Godrej Housing Finance - T&Cs apply

pagination

true

progressbar

false

Home Loan

Transfer your home loan to Godrej Housing Finance for lower interest rates and flexible repayment options that save you money. Our seamless Home Loan Balance Transfer process and superior customer service ensure a hassle-free transition, unlocking better benefits for your home journey.

Higher Loan Amount – up to INR 10 crore
Interest rates – starting from 7.75% p.a.
Loan Tenure – up to 30 years
Top-up Loan available

Apply Now
Know More

mobile-alignment

center

desktop-text-alignment

left

desktop-text-placement

left

type

carousel-v1

hide-button

primary

hide-button

secondary

teaser-target-id

homepage-carousel-secondary

Text-color

white

Loan Against Property

Optimize your finances by transferring your Loan Against Property to Godrej Housing Finance. Enjoy competitive rates and flexible repayment plans. With our superior customer service, we guarantee a smooth transition, enhancing your financial flexibility while retaining the value of your asset.

Interest rates starting at 9.75% p.a.
Longer tenure of up to 25 years
Loan-to-value up to 85%
Flexi Funds (Overdraft-like facility)

Apply Now
Know More

mobile-alignment

center

desktop-text-alignment

left

desktop-text-placement

left

type

carousel-v1

hide-button

primary

hide-button

secondary

teaser-target-id

homepage-carousel-secondary

Text-color

white

Plot Loan

Looking to transfer your Plot Loan? Choose Godrej Housing Finance for an easy balance transfer experience! Benefit from attractive interest rates and tailored repayment options. With our superior customer service, we’ll help you realize your land dreams while optimizing your financial plan.

Quick loan sanction & disbursals
Interest rates – starting from 9.19% p.a.
Loan-to-value - 80%
Minimal documentation

Apply Now
Know More

mobile-alignment

center

desktop-text-alignment

left

desktop-text-placement

left

type

carousel-v1

hide-button

primary

hide-button

secondary

teaser-target-id

homepage-carousel-secondary

Text-color

white

timing

100

teaser-target-id

homepage-carousel-secondary

style

Hero-carousel-secondary, term-condition-padding, know-more-color

summary

*Loans offered/financed by Godrej Finance/Godrej Housing Finance - T&Cs apply

pagination

True

progessbar

True

EMI & Eligibility Calculator for Balance Transfer

style

global-title-top-padding , global-title-top-padding-tab

loan-amount-title

Loan Amount

loan-amount-min-value

500000

loan-amount-max-value

50000000

Interest-rate-title

Interest Rate

Interest-rate-min-value

Interest-rate-max-value

loan-amount-step

25000

tenure-title-year

Loan Tenure

tenure-min-year-value

tenure-max-year-value

tenure-title-months

Loan Tenure

tenure-min-month-value

tenure-max-month-value

tab-title

EMI Calculator

calculator-id

homepage-calculator

style

Cal,no-padding

Principal-amount-label

Principal Amount

Monthly-emi-label

Your Monthly EMI

Monthly-emi-label-mobile

Monthly EMI

Interest-payable-label

Interest Payable

Total-amount-payable-label

Total Amount Payable

Interest-rate-label

Interest Rate @

Total-tenure-label

Total Tenure

Apply-now-label

Apply Now

redirection-path-emi

/apply-now?gtm=emi&category=balance_transfer&gtm=emi&&target=applynowform-container

Rupee-symbol-english

INR

Percent-symbol

Year-span-label

Yrs.

Month-span-label

Mos.

Year-input-min-label

Year

Year-input-max-label

Years

Month-input-min-label

Month

Month-input-max-label

Months

Chart-year-symbol

Chart-month-symbol

Chart-month-year-separator

Error-message-loan

Please enter value within range.

Error-message-interest

Please enter value within range.

Error-message-year

Please enter value within range.

Error-message-month

Please enter value within range.

income-title

Net Monthly Income

income-min-value

50000

income-max-value

2500000

existing-emi-title

Existing EMIs

existing-emi-min

Income-amount-step

25000

existing-emi-step

25000

existing-emi-max

1500000

interest-rate-title

Interest Rate

Loan-interest-rate-min-value

Loan-interest-rate-max-value

tenure-title-year

Loan Tenure

Loan-tenure-min-year-value

Loan-tenure-max-year-value

tenure-title-months

Loan Tenure

Loan-tenure-min-month-value

Loan-tenure-max-month-value

product-list

Home Loan

Plot Loan

Property Loan

redirection-path

/apply-now?category=balance_transfer&gtm=loan_eligibility&target=applynowform-container

redirection-path-mobile

/apply-now?category=balance_transfer&gtm=loan_eligibility&target=applynowform-container

select-product-place-holder

Select Product

font-size

Select-product-label

Select The Product You Are Interested In?

Interest-rate-label

Interest Rate @

Total-tenure-label

Total Tenure

Year-label

Month-label

Tenure-separator

Principal-amount-label

Principal Amount

Interest-payable-label

Interest Payable

Loan-eligibility-label

Your Loan Eligibility Amount:

Total-amount-label

Total Amount Payable

Monthly-emi-label

Your Monthly EMI

Monthly-emi-label-mobile

Monthly EMI

Mobile-year

Years

Mobile-month

Months

Apply-now-button

Apply Now

Loan-Rupee-symbol-english

INR

Percent-symbol

Year-span-label

Yrs.

Month-span-label

Mos.

Year-input-min-label

Year

Year-input-max-label

Years

Month-input-min-label

Month

Month-input-max-label

Months

Error-message-loan

Please enter value within range.

Error-message-existing-emi

Please enter value within range.

Error-message-interest

Please enter value within range.

Error-message-year

Please enter value within range.

Error-message-month

Please enter value within range.

Tab-title

Loan Eligibility Calculator

Calculator-id

Homepage-calculator

Style

Cal, hide-dropdown

Interest Rates for Balance Transfer

Interest Rates

Lighten your financial load - turn to our Home Loan Balance Transfer with low-interest rates, designed to provide the support you need.

Indian Resident Salaried

7.75%

per annum onwards

Non-Resident Indian Salaried

7.75%

per annum onwards

Business Self-Employed

8.29%

per annum onwards

Professional Self-Employed

8.29%

per annum onwards

queryIndexUrl

/interest_rate_document/query-index.json

interestRateTitle

Interest Rates and Documents

viewCompleteLabel

View Complete List of Documents

viewCompleteLabelRedirection

https://housingfinance.godrejcapital.com/ghf/information-and-policies?target=accordion.active&category=customer_information&show=Identity_And_Address_Proof_Documents

disclaimer

* Disclaimer: All contents mentioned on this page, including documents, eligibility may vary for each borrower and are subject to the lender's discretion. The content is subject to change without prior notice.

style

global-padding , global-padding-tab

pagename

Balance-transfer

quesansurl

/support/faq-ques-ans-sheet.json

desktopTitle

Frequently Asked Questions

cannotfindlabel

Can’t find what you are looking for?

viewallbuttonlabel

View All

viewallbuttonredirection

/support/faqs?category=balance_transfer

faqqMobileTitle

FAQs

productPageName

Balance Transfer

style

global-padding,global-bottom-padding-tab

viewAllRedirectionIcon

Godrej Nirmaan banner

Get access to 13+ partners to build, plan and grow your business

style

global-padding, global-bottom-padding-tab

testimonial

Stories in Focus - Blogs

style

Global-top-padding-mobile

/about-us/blogs/home-loan/a-complete-guide-to-home-loan-management

/about-us/blogs/home-loan/home-loan-tax-benefits-for-women

/about-us/blogs/home-loan/is-itr-for-home-loan-required

/about-us/blogs/home-loan/thinking-of-home-loan-balance-transfer

/about-us/blogs/home-loan/loans-for-same-sex-partners

read-more-label

Not-found-msg

Sorry, couldn’t find what you’re looking for.

style

global-padding ,global-bottom-padding-tab

Connect with Our Customer Support Team

false

Customer Support

true

GIA Chatbot

false

WhatsApp Chat

false

Customer Portal Login

false

022-68815555

false

Email Support

false

Customer Care

true

Send an Email

true

ⓘ Need more information or answers to your questions in the meantime? Check out FAQs

false

style

global-bottom-padding, mobile-last-padding, global-bottom-padding-mobile , tab-last-padding

WhatsApp Support

Quick Apply

style

Quick-tools-component

type

FAQPage

Question-1

What is Balance Transfer?

Answer-1

Balance Transfer is a financial strategy that allows you to move an existing loan from one lender to another, typically with the aim of securing better terms, such as lower interest rates or more favorable repayment terms. Godrej Housing Finance’s Balance Transfer empowers you to shift your outstanding loan to us, providing opportunities for reduced EMI payments, competitive interest rates, and enhanced financial flexibility. It's a smart move to optimize your loan and achieve greater savings in the long run.

Click $here$ to apply online

Question-2

What is Home Loan Balance Transfer?

Answer-2

Home Loan Balance Transfer is a process where you transfer your existing Home Loan from one lender to another. This strategic move enables you to benefit from lower interest rates, reduced monthly payments, and improved loan terms. By choosing Godrej Housing Finance for your Home Loan Balance Transfer, you unlock the advantages of our competitive interest rates, additional Top-Up loans, and a simplified documentation process. It's a financial decision that empowers you to optimize your home loan for better savings and flexibility.

Question-3

What are the benefits of transferring a home loan to Godrej Housing Finance?

Answer-3

Transferring your home loan balance to Godrej Housing Finance through our efficient balance transfer procedure unlocks various benefits. Enjoy competitive interest rates, EMI savings, and the flexibility to extend the repayment period. Plus, experience the advantage of a higher loan amount, including a Top-Up loan, tailored to meet additional requirements.

Question-4

How long does it take to switch the lender?

Answer-4

We keep the Balance Transfer procedure simple and hassle-free. Once you apply for a Home Loan Balance Transfer with Godrej Housing Finance, you can expect a swift 7-day processing period. After applying for the balance transfer process online on our website, our representative will contact you for necessary documents, including those required for eligibility assessment.

Question-5

What is the maximum amount that can be transferred?

Answer-5

There's no maximum limit for the transfer amount. If eligible, Godrej Housing Finance allows the complete transfer of your Home Loan outstanding balance, ensuring a seamless process.