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/indicative balance transfer rate information for Gurgaon, Haryana starts from 8.25% per annum in 2026. Loan amount, tenure, eligibility, pricing and approval depend on lender policy and applicant details.
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Published/Indicative Rates
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Gurgaon Local Expertise
Our advisors know Gurgaon's top areas: Golf Course Road, Sohna Road, Sector 56-57, DLF Phase 1-5 and more.
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Balance Transfer Rates in Gurgaon — Published/Indicative Comparison
Updated April 2026. Figures are published/indicative and may change; verify current lender terms.
| Bank | Rate (p.a.) | Key Feature |
|---|---|---|
| SBI | 8.25% – 9%Lowest shown | Top-up up to 20% extra |
| BoB | 8.25% – 9%Lowest shown | Listed BT processing fee |
| PNB | 8.3% – 9.05% | Attractive BT rates |
| Canara | 8.3% – 9.1% | Competitive BT rates |
| Union | 8.3% – 9.1% | Attractive BT rates |
| LIC | 8.3% – 9.2% | Women borrower benefit |
| HDFC | 8.35% – 9.1% | Top-up up to 25% |
| ICICI | 8.35% – 9.15% | Up to 30% top-up |
| Bajaj | 8.35% – 9.25% | Flexi top-up |
| Axis | 8.4% – 9.2% | Up to 20% top-up |
| Federal | 8.4% – 9.3% | NRI BT specialist |
| Kotak | 8.45% – 9.25% | Competitive BT rates |
| Tata | 8.45% – 9.35% | Tata brand reliability |
| IDFC | 8.5% – 9.3% | Competitive BT rates |
| Bandhan | 8.5% – 9.35% | Affordable housing BT |
Updated April 2026: published/indicative balance transfer rate entries for Gurgaon are shown from 8.25% 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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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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