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How much will I save on balance transfer?
Current Loan
Loan Amount
Tenure
Rate of Interest
Installments Paid
Eg. 40
New Loan
Processing Fees
Tenure
Rate of Interest
₹1,27,468
EMI Tenure will be increased by 40 Months
Current Interest
₹7,19,577
New Interest
₹5,72,874
Current EMI Tenure
10 Years
New EMI Tenure
10 Years
Outstanding Principal ₹19,23,438
EMI ₹34671

Transfer Your Existing Home Loan to HDFC Bank and Save Big

Looking to reduce your EMI burden or take advantage of lower interest rates? HDFC Bank offers a Home Loan Balance Transfer facility that allows you to shift your existing home loan from another bank or NBFC to HDFC Bank at competitive rates and with minimal documentation.
If you're new to the bank, explore the full range of HDFC Bank Home Loan offerings to understand how we can support your housing finance journey.

Key Benefits of HDFC Home Loan Balance Transfer

  • Lower Interest Rates Enjoy some of the lowest home loan transfer rates in India, starting at just 8.40% p.a. (subject to eligibility).
  • Extended Loan Tenure Repay comfortably with flexible tenures of up to 30 years, depending on your profile.
  • Top-Up Loan Facility Get an additional HDFC Top-Up Loan of up to ₹50 lakhs* with your balance transfer—ideal for renovations, education, or other needs.
  • Quick Processing & Minimal Paperwork Fast-track loan approvals with a simple document checklist and minimal hassle.
  • Zero Hidden Charges Transparent processing with no hidden costs or surprise fees.
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Why Transfer Your Home Loan to HDFC Bank?

HDFC Bank is one of India’s most trusted financial institutions, offering:
  • Flexible EMI options tailored to your income
  • Prepayment and foreclosure benefits with minimal or no charges
  • Digital tools including our Home Loan EMI Calculator for transparency
  • Convenient HDFC branch locator to assist with offline applications
  • Expert guidance throughout your refinance process

Who Can Apply for a Balance Transfer?

Eligibility for a Top-Up Loan

You can apply for an HDFC home loan balance transfer if:

  • Your existing home loan is from another bank, housing finance company, or NBFC
  • You’ve made consistent repayments for the last 12 months
  • The remaining loan tenure is over 12 months
  • The property is legally approved and complies with HDFC Bank’s policies
  • Use our Home Loan Balance Transfer Eligibility tool to check if you qualify.

Required Documents for HDFC Home Loan Transfer

Typically, you will need the following:
  • PAN Card, Aadhaar Card (or valid ID proof)
  • Income documents (Salary slips / ITRs)
  • Property documents (Sale deed, possession letter, etc.)
  • Loan statement and balance confirmation from your current lender
  • See the full documents required for home loan transfer to avoid delays.

HDFC Home Loan Transfer Interest Rate (2025)

Loan Amount Interest Rate for Salaried Interest Rate for Self-Employed Ideal For
Up to ₹30 lakhs 8.40% p.a. onwards 8.55% p.a. onwards —
₹30 – ₹75 lakhs 8.45% p.a. onwards 8.60% p.a. onwards —
Above ₹75 lakhs 8.50% p.a. onwards 8.65% p.a. onwards —

Compare HDFC’s rates with other banks on our Home Loan Interest Rate Comparison page.

Step-by-Step Guide: How to Transfer Your Home Loan to HDFC Bank

  • 1. Check Eligibility : Use our Home Loan Balance Transfer Eligibility Tool or consult an HDFC advisor.
  • 2. Submit Application: Apply online or visit the nearest HDFC Bank branch.
  • 3. Documentation & Verification: Submit your documents and allow time for legal and technical checks.
  • 4. Loan Approval & Disbursement : HDFC disburses the sanctioned amount directly to your current lender.
  • 5. Start New EMIs : Calculate your EMI using our Home Loan EMI Calculator and enjoy reduced payments.

Apply for HDFC Home Loan Balance Transfer Today

Take advantage of HDFC’s trusted reputation, competitive rates, and seamless transfer process. Whether you're looking for lower EMIs, extended tenure, or a top-up loan, transferring your loan to HDFC Bank could be a smart financial move.
Apply Now to begin your application, or visit the nearest HDFC Bank branch to speak with a loan specialist.

 

Frequently Asked Questions

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Yes. If you’re eligible for a lower rate, transferring your loan can save you thousands in interest.
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You may qualify for a top-up loan of up to ₹50 lakhs, based on income and repayment history.
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Yes. Joint home loans are eligible for transfer, subject to documentation and co-applicant approval.
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HDFC does not charge foreclosure or prepayment fees on floating-rate home loans.