Compare Balance Transfer rates in Rajkot, 2026.
Reviewed by Jay Patel· Last reviewed:
Rajkot, the cultural capital of Saurashtra, has a booming real estate market driven by SME industrialization and the upcoming Hirasar Greenfield International Airport. Kalawad Road and 150 Ft Ring Road are the premium residential zones.
Published balance transfer rate information for Rajkot, Gujarat 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 Rajkot
Review the available rate information for Rajkot; lender pricing and eligibility vary by applicant and property.
Published/Indicative Rates
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Areas in Rajkot
Localities in our Rajkot reference data include Kalawad Road, University Road, 150 Ft Ring Road, Jamnagar Road.
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Lender Processing Timeline
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Balance Transfer Rates in Rajkot — 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 Rajkot 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 Rajkot
General eligibility criteria for balance transfer applicants in Rajkot, Gujarat.
Salaried Applicants
- Age: 21 – 65 years
- Min Income: Rs 25,000/month
- Work Experience: 2 years
- CIBIL Score: 700+
- Property in Rajkot 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 a Balance Transfer application may progress in Rajkot
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 Rajkot. Submit the application through the channel the lender confirms and retain copies of everything provided.
Lender Sanction & Disbursal
Sanction and disbursal timing in Rajkot 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 Rajkot
Keep these documents ready to speed up your balance transfer application in Rajkot.
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 Rajkot — Frequently Asked Questions
Common questions about balance transfer in Rajkot, Gujarat.
What are the current Balance Transfer rates in Rajkot in 2026?
Which bank offers the lowest Balance Transfer rate in Rajkot?
How much Balance Transfer can I get in Rajkot?
What documents are needed for a Balance Transfer in Rajkot?
How long does Balance Transfer processing take in Rajkot?
Other Loan Products in Rajkot
Explore more loan options available in Rajkot through Money Matrix Hub.
Areas listed for Balance Transfer in Rajkot
Localities included in the Rajkot reference data.
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