Compare Balance Transfer rates in Surat, 2026.
Reviewed by Jay Patel· Last reviewed:
Surat, India's diamond and textile capital, has one of the fastest-growing real estate markets in Gujarat. Vesu, Pal-Adajan, and the Dumas Road corridor offer premium residential options, while affordable housing thrives in Dindoli and Varachha.
Published balance transfer rate information for Surat, 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 Surat
Review the available rate information for Surat; lender pricing and eligibility vary by applicant and property.
Published/Indicative Rates
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Areas in Surat
Localities in our Surat reference data include Vesu, Adajan, Piplod, Pal.
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Lender Processing Timeline
Processing times vary by lender, application details, documents and verification.
Balance Transfer Rates in Surat — 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 Surat 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 Surat
General eligibility criteria for balance transfer applicants in Surat, Gujarat.
Salaried Applicants
- Age: 21 – 65 years
- Min Income: Rs 25,000/month
- Work Experience: 2 years
- CIBIL Score: 700+
- Property in Surat 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 Surat
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 Surat. Submit the application through the channel the lender confirms and retain copies of everything provided.
Lender Sanction & Disbursal
Sanction and disbursal timing in Surat 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 Surat
Keep these documents ready to speed up your balance transfer application in Surat.
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 Surat — Frequently Asked Questions
Common questions about balance transfer in Surat, Gujarat.
What are the current Balance Transfer rates in Surat in 2026?
Which bank offers the lowest Balance Transfer rate in Surat?
How much Balance Transfer can I get in Surat?
What documents are needed for a Balance Transfer in Surat?
How long does Balance Transfer processing take in Surat?
Other Loan Products in Surat
Explore more loan options available in Surat through Money Matrix Hub.
Areas listed for Balance Transfer in Surat
Localities included in the Surat reference data.
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