Eligibility criteria
- 12+ EMIs paid
- Clean repayment record
- Eligible existing loan type
← All loans
Balance Transfer (BT)
Transfer Existing Loans to Lower Your EMI
Reduce current interest rates by transferring active loans to a better lender through our network.
- Lower rate
- Top-up option
- Faster processing
- No foreclosure on floating-rate retail loans
Interest from 9% p.a.
EMI calculator
Plan your repayment
EMI Calculator
Live calculationQuick presets
50k50 L
Starting 9.9%*Up to 24%
1 yr5 yrs
No prepayment20% / year
Monthly EMI
₹ 10,379
for Personal Loan · 5 years @ 9.00%
Principal 80% Interest 20%
Principal₹ 5.00 L
Total interest₹ 1.23 L
Total payable₹ 6.23 L
*Indicative EMI based on the selected rate. Final rate, tenure and EMI are at the lender's discretion and depend on your credit profile.
Interest rates mentioned are indicative and final interest rates, eligibility, and approval terms are subject to lender policies and applicant profile.
Documents required
- Existing loan statement
- Sanction letter
- KYC & income proof
Fees & charges
Processing 0.5–1%. Foreclosure: nil on floating retail loans.
Why route through Velixa
- Lowest rates from 40+ banks & NBFCs
- Single-window documentation
- Dedicated relationship manager
- Transparent fee disclosure
- Pre-approval eligibility checks
- Post-disbursal servicing support
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