Best Home Loan Balance Transfer Offers in India 2025

Affordable Home Loan Balance Transfer

A home loan balance transfer allows you to shift your existing loan to another bank offering a lower home loan transfer interest rate or better features. With competition among banks and NBFCs heating up in 2025, many lenders are providing attractive home loan balance transfer offers to win over borrowers.

If you’re looking to reduce your EMI burden, save on total interest, or avail a home loan balance transfer with top-up, now is the right time. Let’s look at the best home loan transfer offers in India for 2025.

Top Banks Offering Home Loan Balance Transfer in 2025

1. State Bank of India (SBI)

• Interest Rate: 8.25% – 9.05% p.a.
  
  

• Processing Fee: Up to 0.35% (minimum ₹2,000)
  
  

• Top-Up Loan: Available with balance transfer
  
  

• Special Offer: Discounted rates for women borrowers
  
  

SBI remains one of the most popular banks for housing loan transfer due to its nationwide reach and flexible repayment terms.

2. HDFC Bank

• Interest Rate: 8.35% – 9.10% p.a.
  
  

• Processing Fee: 0.25% – 0.50% of loan amount
  
  

• Top-Up Facility: Available for renovation or personal needs
  
  

HDFC Bank’s home loan transfer process is quick and digital-friendly, making it ideal for salaried professionals.

3. ICICI Bank

• Interest Rate: 8.40% – 9.20% p.a.
  
  

• Processing Fee: Up to 1% of loan amount
  
  

• Special Feature: Flexible EMI options and instant top-up approval
  
  

ICICI’s home loan balance transfer and top-up scheme is beneficial for borrowers who need extra funds without additional paperwork.

4. Axis Bank

• Interest Rate: 8.50% – 9.25% p.a.
  
  

• Processing Fee: ₹10,000 (fixed for salaried borrowers)
  
  

• Top-Up Facility: Available up to 75% of property value
  
  

Axis Bank is known for transparent charges and quick disbursement, making the home loan transfer procedure smooth.

5. Kotak Mahindra Bank

• Interest Rate: 8.30% – 9.05% p.a.
  
  

• Processing Fee: Up to 0.50% of loan amount
  
  

• Special Offer: Zero processing fee campaigns in festive seasons
  
  

Kotak’s attractive home loan balance transfer offers make it a strong competitor in 2025.

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Benefits of Choosing the Right Offer

• Lower EMIs: Even a small difference in home loan transfer interest rate reduces monthly payments.
  
  

• Top-Up Option: A home loan transfer with top-up allows you to borrow extra funds for renovation, education, or emergencies.
  
  

• Better Service: New lenders often provide digital repayment options and flexible EMIs.
  
  

• Long-Term Savings: The overall interest saved can run into lakhs of rupees.
  
  

Checklist Before Availing a Balance Transfer Offer

✔️ Compare interest rates and processing fees
✔️ Factor in housing loan transfer charges
✔️ Check top-up eligibility and interest rates
✔️ Ensure you have a good credit score (750+)

Conclusion

With multiple banks competing in 2025, borrowers have access to some of the best home loan balance transfer offers in years. By comparing home loan transfer interest rates, processing fees, and top-up options, you can reduce EMI, save on total interest, and enjoy better financial flexibility.

A home loan balance transfer is not just about lower rates—it’s about smarter money management.