Home Loan Balance Transfer Eligibility

Who Can Apply?

We cater to a wide range of borrowers, including salaried individuals, self-employed professionals, and businessmen. Our eligibility criteria are designed to be inclusive, simple, and stress-free.

Category	Salaried Individuals	Self-Employed Individuals	Firms/ Companies
Age	Age: 21- 65years	Age: 21- 65years	Age: 25-65 years
Income Requirement	Monthly Salary: ₹20,000+	Gross annual income: ₹3 Lakhs+	Annual turnover: ₹10 Lakhs+
Experience	Minimum 1 year work experience	Minimum 2 years in business	Business vintage: 3 years
Citizenship	Indian	Indian	Proprietor/Partners/Directors

Required Documents for Home Loan Balance Transfer:

Category	Salaried Individuals	Self-Employed Individuals	Firms/Companies
Identity Documents PAN Card is mandatory, and any one of these	Aadhaar Card Passport Driving License Voters ID	Aadhaar Card Passport Driving License Voters ID	GST Registration Certificate Registration Documents
Address Proof	Aadhaar Card Passport Driving License Voters ID Job Card by NREGA National Population Register Letter	Aadhaar Card Passport Driving License Voters ID Job Card by NREGA National Population Register Letter	Electricity Bill or Rent Agreement KYC of Partners/Directors
Income Proof	Last 3 months' salary slips, Form 16 Last 2 years' ITRs	Last 2 years’ Profit/Loss statement balance sheet, and ITRs	Last 2 years’ Profit/Loss statement balance sheet, and ITRs
Other Documents	Bank Statement: Last 6 months	Bank Statement: Last 6 months	Bank Statement: Last 6 months
Property Documents	Property documents along with legal & technical clearance	Property documents along with legal & technical clearance	Property documents along with legal & technical clearance

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