Balance Transfer

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Balance Transfer


Check your current balance and interest rate


Pick a balance transfer offer that fits your needs


Read the fine print and understand the terms and conditions


Apply for a balance transfer loan.


Contact the new bank to do the balance transfer


A balance transfer is a type of transaction in which debt is moved from one account to another. For those paying down high-interest debt, such a move can save serious money on interest charges if done strategically. For example, debt that's moved to a new bank loan Proposal with a 0% introductory APR offer on balance transfers could potentially be paid off interest-free.

Balance transfers come with certain costs and limitations, though. Generally, you'll have to pay a balance transfer fee — usually 1% to 5% of the total transferred. And if your balance transfer limit is low, you might not be able to transfer your full balance.




• Salary Certificate (original) from employer. 

• Form 16/IT Returns for the past 2 financial years

Self employment

·  IT Returns/Assessment Orders copies of the last 3 years. 

·  Challans as proof of Advance Income Tax payment. 

·  Proof of business address for non-salaried individuals. 

·   IT returns/Assessment Orders copies of the last 3 years.

Basic Features of Balance Transfer

• Reduced Financial Strain

Balance transfer credit cards charge a significantly lower interest rate when compared to finance charges. Credit card finance charges (interest rates) are about 3.5% p.m. while the interest rate on a balance transfer is usually around 1.8% per month. Some card providers may also offer 0% interest rate. Lower interest rate means lower financial burden.

• Stabilize Credit Score

Lowered interest rates will make it easier for the cardholders to make payment and hence stabilize their credit score. They can even improve it with timely payments.

• Interest-Free Period

Credit card providers offer an interest-free period on new purchases post balance transfer as well. This way customer can make new purchases without incurring interest rate on it.

• Other Benefits

Credit card providers sometimes offer teaser rates or other introductory offers to customers. These benefits may include longer interest-free periods, low interest rates, etc.

• Processing Fee

Customers will be charged a processing fee for a balance transfer that can range anywhere between 1% and 3%. Some banks may also charge a flat fee.

• Interest Rate

The interest charged on Balance Transfer can be 0% for a certain period. But, the interest rate is usually around 0.75% and may go up to the particular credit card’s finance charge.

Important Notes

Resident Indian: Salaried or Self-employed

Vintage of at least six months

Good repayment track record

Repayment Track Record of Existing Loans

You must be a citizen residing in India.

You must be self-employed with at least 4 years of experience in running a business or 3 years of experience as a Doctor/CA.