Compare Balance Transfer rates in Gurgaon, 2026.
Reviewed by Jay Patel· Last reviewed:
Gurgaon (Gurugram), the millennium city of NCR, is India's corporate powerhouse with major MNCs headquartered along Golf Course Road and Cyber City. Dwarka Expressway and New Gurgaon sectors offer the best value for new homebuyers.
Published balance transfer rate information for Gurgaon, Haryana starts from 7.15% per annum (rates as of September 2026). Loan amount, tenure, eligibility, pricing and approval depend on lender policy and applicant details.
Compare Balance Transfer options in Gurgaon
Review the available rate information for Gurgaon; lender pricing and eligibility vary by applicant and property.
Published/Indicative Rates
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Areas in Gurgaon
Localities in our Gurgaon reference data include Golf Course Road, Sohna Road, Sector 56-57, DLF Phase 1-5.
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Lender Processing Timeline
Processing times vary by lender, application details, documents and verification.
Balance Transfer Rates in Gurgaon — Published/Indicative Comparison
Rates as of September 2026. Figures are published or indicative and can change; confirm current terms with the lender.
| Bank | Rate (p.a.) | Key Feature |
|---|---|---|
| Canara | 7.15% – 10%Lowest shown | Competitive BT rates |
| Union | 7.15% – 9.6%Lowest shown | Attractive BT rates |
| LIC | 7.15% – 10.15%Lowest shown | Women borrower benefit |
| BoB | 7.2% – 9.25% | Listed BT processing fee |
| SBI | 7.25% – 8.45% | Top-up up to 20% extra |
| PNB | 7.25% – 9.2% | Attractive BT rates |
| Bajaj | 7.25% – 9.5% | Flexi top-up |
| Bandhan | 7.4% – 12.2% | Affordable housing BT |
| Tata | 7.5% – 9.5% | Tata brand reliability |
| ICICI | 7.55% – 9.8% | Up to 30% top-up |
| Kotak | 7.6% – 9.4% | Competitive BT rates |
| HDFC | 7.75% – 13.2% | Top-up up to 25% |
| Axis | 8.2% – 9.15% | Up to 20% top-up |
| Federal | 8.4% – 9.45% | NRI BT specialist |
| IDFC | 8.85% – 10.25% | Competitive BT rates |
Updated September 2026: published balance transfer rate entries for Gurgaon are shown from 7.15% per annum. Actual rate, eligibility and approval depend on lender policy, applicant profile, loan amount and property location.
Balance Transfer Eligibility in Gurgaon
General eligibility criteria for balance transfer applicants in Gurgaon, Haryana.
Salaried Applicants
- Age: 21 – 65 years
- Min Income: Rs 25,000/month
- Work Experience: 2 years
- CIBIL Score: 700+
- Property in Gurgaon or Haryana
Self-Employed Applicants
- Age: 21 – 70 years
- Min Income: Rs 3 Lakhs/year ITR
- Business Vintage: 3 years
- CIBIL Score: 700+
- Business registered in India
How a Balance Transfer application may progress in Gurgaon
Typical steps run from application to disbursal; lender approval and disbursal decisions remain with the lender.
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Compare Available Lender Information
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Compare Lender Terms
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Documentation & Filing
Use the lender's current checklist to compile documents in Gurgaon. Submit the application through the channel the lender confirms and retain copies of everything provided.
Lender Sanction & Disbursal
Sanction and disbursal timing in Gurgaon are controlled by the lender and may vary with underwriting, property checks, and documentation. Confirm current lender timelines and disbursal conditions.
Documents Required for Balance Transfer in Gurgaon
Keep these documents ready to speed up your balance transfer application in Gurgaon.
For Salaried Applicants
- 1PAN Card & Aadhaar Card
- 2Existing loan sanction letter & statement
- 3Last 12 months EMI repayment track
- 4Last 6 months salary slips
- 5Last 6 months bank statements
- 6Property documents (for home loan BT)
- 7NOC or foreclosure letter from current lender
For Self-Employed Applicants
- 1PAN Card & Aadhaar Card
- 2Existing loan sanction letter & statement
- 3Last 12 months EMI repayment track
- 4Last 3 years ITR & audited financials
- 5Last 12 months bank statements
- 6Property documents (for LAP / home loan BT)
- 7NOC or foreclosure letter from current lender
Balance Transfer in Gurgaon — Frequently Asked Questions
Common questions about balance transfer in Gurgaon, Haryana.
What are the current Balance Transfer rates in Gurgaon in 2026?
Which bank offers the lowest Balance Transfer rate in Gurgaon?
How much Balance Transfer can I get in Gurgaon?
What documents are needed for a Balance Transfer in Gurgaon?
How long does Balance Transfer processing take in Gurgaon?
Other Loan Products in Gurgaon
Explore more loan options available in Gurgaon through Money Matrix Hub.
Areas listed for Balance Transfer in Gurgaon
Localities included in the Gurgaon reference data.
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