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Personal Loan Balance Transfer

What is a Personal Loan Balance Transfer?

When you transfer a personal loan from one lender to another, you can avail of better repayment terms and features on your outstanding loan amount, even extend your loan tenure. A Personal Loan Balance Transfer, also called refinancing, is a great way to make the most of the competitive personal loan interest rates and reduce your EMI burden considerably.


If you are unhappy with your current personal loan, we have the perfect solution for you! Transfer personal loan to Tata Capital and enjoy flexible repayment option under the salaried CC limit. Our best in industry product boasts a maximum tenure of up to 7 years, with personal loan interest rates starting at just 10.99%! 

Reasons why you should transfer personal loan to Tata Capital 

A name you can trust

Tata Capital is a brand that is loved across the country. Want to spruce up your home or fund a grand wedding? Whatever your financial needs are, our team of experts can customize a personal loan offering most suitable for you.

Competitive interest rates

Personal loan interest rates don't get better than ours! Starting at only 10.99%, our competitive rates, some of the lowest in the industry, make sure your personal loan journey goes smoothly.

Longer tenures

Tired of meeting the EMI deadlines? Opt for a longer tenure when you go for a balance transfer and repay the personal loan EMI comfortably. At Tata Capital, we offer tenures going up to 7 years!

Nominal processing fee

Before transfer of personal loan, it's best to check all the costs involved, so your pockets don't suffer a strain. With Tata Capital, you are assured of the lowest processing fees.

Overdraft facility

Need quick cash to meet last-minute needs? Switch to Tata Capital's personal loan overdraft facility and enjoy flexible repayment options under the salaried CC limit. Our best in industry product offers a tenure of up to 60 months with interest rates starting at just 13.50%!.

Tenure up to 72 months.

Why pay interest when you don’t need funds. Use the limit when you need funds and pay back whenever you have excess funds. Pay only interest on utilised limit for first two years, no principal repayment. Pay principal and interest on utilised limit after two years for next 5 years..

Are you eligible for a Personal Loan Balance Transfer?

You can apply for a Personal Loan Balance Transfer by fulfilling the conditions below:

  • You must be between 22 to 58 years old.

  • You must have at least one year of work experience.

  • You must have a monthly income of at least Rs. 15,000.

Documents required to transfer personal loan

When you apply for a Personal Loan Balance Transfer with Tata Capital, you need to furnish a copy of the following documents:

Required documents for salaried individuals

  • Income Proof documents

  • Salary Slips

  • Photo Identity Proof documents

  • Address Proof documents

  • Employment Certificate

Required documents for self-employed individuals

  • Photo Identity Proof documents

  • Address Proof documents

  • Income Proof documents

  • No heavy paperwork, no hassle! We only ask for minimal documentation to process your application to get you the funds in a matter of minutes. Check your personal loan eligibility and documents.

How to Apply?

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