Junagadh, GujaratFrom 8.25% p.a.

Balance Transfer · Junagadh

Best Balance Transfer rates in Junagadh, 2026.

Reviewed by Jay Patel· Last reviewed: 25 Apr 2026stale

Co-Founder & Chief Loan Advisor

Junagadh, gateway to the Gir National Park, is seeing steady residential growth driven by the Saurashtra agri-economy and tourism. Joshipura and Ranavav Road host most new apartment projects targeting traders and professionals.

Starting Rate

8.25%

Property Range

Rs 12L – 45L

Max Amount

Rs 10 Cr

Max Tenure

30 Yrs

Get Rates for Junagadh Call +91 87991 21051

Why Choose Money Matrix Hub for Balance Transfer in Junagadh?

We maintain direct relationships with bank branches across Junagadh to negotiate the best deals for you.

Lowest Rates Guaranteed

Compare balance transfer rates from 15+ banks in Junagadh starting 8.25% p.a.

Junagadh Local Expertise

Our advisors know Junagadh's top areas: Joshipura, Ranavav Road, Talav Gate, Zanzarda Road and more.

100% Free Service

We earn from banks, not from you. Zero service charge, zero hidden costs.

48-Hour Sanction

Fast-track processing with dedicated bank contacts in Junagadh for quick sanctions.

Balance Transfer Rates in Junagadh — Bank-wise Comparison

Updated April 2026. Showing 15 banks serving Junagadh.

Bank	Rate (p.a.)	Processing Fee	Max Amount	Max Tenure	Key Feature
SBI	8.25% – 9%Lowest	0.25% (max Rs 10,000)	Rs 10 Cr	30 yrs	Top-up up to 20% extra
BoB	8.25% – 9%Lowest	0.25% (max Rs 7,500)	Rs 10 Cr	30 yrs	Lowest BT processing fee
PNB	8.3% – 9.05%	0.35% (max Rs 10,000)	Rs 8 Cr	30 yrs	Attractive BT rates
Canara	8.3% – 9.1%	0.50% (max Rs 10,000)	Rs 5 Cr	30 yrs	Competitive BT rates
Union	8.3% – 9.1%	0.50% (max Rs 10,000)	Rs 5 Cr	30 yrs	Attractive BT rates
LIC	8.3% – 9.2%	0.50% (max Rs 10,000)	Rs 5 Cr	30 yrs	Women borrower benefit
HDFC	8.35% – 9.1%	0.50% (max Rs 15,000)	Rs 10 Cr	30 yrs	Top-up up to 25%
ICICI	8.35% – 9.15%	0.50% (max Rs 15,000)	Rs 10 Cr	30 yrs	Up to 30% top-up
Bajaj	8.35% – 9.25%	0.50% (max Rs 10,000)	Rs 5 Cr	30 yrs	Flexi top-up
Axis	8.4% – 9.2%	0.50% (max Rs 10,000)	Rs 5 Cr	30 yrs	Up to 20% top-up
Federal	8.4% – 9.3%	0.50% (max Rs 7,500)	Rs 5 Cr	30 yrs	NRI BT specialist
Kotak	8.45% – 9.25%	0.50% (max Rs 10,000)	Rs 5 Cr	20 yrs	Competitive BT rates
Tata	8.45% – 9.35%	0.50%	Rs 5 Cr	30 yrs	Tata brand reliability
IDFC	8.5% – 9.3%	0.50%	Rs 5 Cr	30 yrs	Competitive BT rates
Bandhan	8.5% – 9.35%	0.50%	Rs 3 Cr	25 yrs	Affordable housing BT

Updated April 2026: 15 banks offer balance transfer in Junagadh from 8.25% per annum. Actual rate depends on applicant profile, loan amount, and property location in Junagadh.

Balance Transfer Eligibility in Junagadh

General eligibility criteria for balance transfer applicants in Junagadh, Gujarat.

Salaried Applicants

Age: 21 – 65 years
Min Income: Rs 25,000/month
Work Experience: 2 years
CIBIL Score: 700+
Property in Junagadh or Gujarat

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 to Get a Balance Transfer in Junagadh — Step by Step

Our Junagadh team handles the entire process from application to disbursal.

Share Your Requirements

Tell us your Balance Transfer needs in Junagadh — amount, tenure preference, and property details. Our advisor will evaluate your profile within 30 minutes.

Compare 40+ Bank Offers

We fetch live rates from all banks in Junagadh and present you a side-by-side comparison showing rate, EMI, processing fee, and total interest payable.

Choose Your Best Offer

Pick the bank that suits you best based on rate, tenure flexibility, and service quality in Junagadh. We explain every term in plain language.

Documentation & Filing

Our team in Junagadh helps you compile the complete document set, fills out the application form, and submits it to the bank — saving you hours of branch visits.

Sanction & Disbursal

We follow up with the bank for swift processing. Expect sanction within 48 hours and disbursal within 7-10 working days in Junagadh. We stay with you until the last rupee is credited.

Documents Required for Balance Transfer in Junagadh

Keep these documents ready to speed up your balance transfer application in Junagadh.

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 Junagadh — Frequently Asked Questions

Common questions about balance transfer in Junagadh, Gujarat.

What are the current Balance Transfer rates in Junagadh in 2026?

Balance Transfer rates in Junagadh start at 8.25% p.a. and go up to 9.25% p.a. depending on the bank, loan amount, and applicant profile. Money Matrix Hub compares 40+ banks serving Junagadh to find you the absolute lowest rate.

Which bank offers the lowest Balance Transfer rate in Junagadh?

SBI and HDFC typically offer the lowest Balance Transfer rates in Junagadh. However, rates change monthly based on RBI policy and bank offers. Contact Money Matrix Hub for the latest rate comparison across all banks operating in Junagadh.

How much Balance Transfer can I get in Junagadh?

In Junagadh, you can get a Balance Transfer of up to Rs 10 Crore depending on your income, credit score, and the property value. Average property prices in Junagadh range from Rs 12 Lakhs to Rs 45 Lakhs.

What documents are needed for a Balance Transfer in Junagadh?

Standard documents include PAN, Aadhaar, income proof (salary slips or ITR), bank statements (6-12 months), and property documents. Some banks operating in Junagadh may require additional documents based on the Gujarat state regulations.

How long does Balance Transfer processing take in Junagadh?

With Money Matrix Hub's support in Junagadh, Balance Transfer processing typically takes 5-10 working days from document submission to sanction. We maintain relationships with all major bank branches across Junagadh to fast-track your application.

Other Loan Products in Junagadh

Explore more loan options available in Junagadh through Money Matrix Hub.

Home Loan

From 7.15% p.a. in Junagadh

Business Loan

From 10% p.a. in Junagadh

Loan Against Property

From 8.75% p.a. in Junagadh

Builder Project Finance

From 12% p.a. in Junagadh

NRI Home Loan

From 8.5% p.a. in Junagadh

Popular Areas for Balance Transfer in Junagadh

Top localities in Junagadh where we serve the most borrowers.

JoshipuraRanavav RoadTalav GateZanzarda RoadKalwa ChowkWadhwan RoadSukhadia NagarAdityana

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