Rajkot, GujaratFrom 8.25% p.a.

Balance Transfer · Rajkot

Best Balance Transfer rates in Rajkot, 2026.

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

Co-Founder & Chief Loan Advisor

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.

Starting Rate

8.25%

Property Range

Rs 20L – 80L

Max Amount

Rs 10 Cr

Max Tenure

30 Yrs

Get Rates for Rajkot Call +91 87991 21051

Why Choose Money Matrix Hub for Balance Transfer in Rajkot?

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

Lowest Rates Guaranteed

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

Rajkot Local Expertise

Our advisors know Rajkot's top areas: Kalawad Road, University Road, 150 Ft Ring Road, Jamnagar 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 Rajkot for quick sanctions.

Balance Transfer Rates in Rajkot — Bank-wise Comparison

Updated April 2026. Showing 15 banks serving Rajkot.

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 Rajkot from 8.25% per annum. Actual rate depends on applicant profile, loan amount, and property location in Rajkot.

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 to Get a Balance Transfer in Rajkot — Step by Step

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

Share Your Requirements

Tell us your Balance Transfer needs in Rajkot — 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 Rajkot 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 Rajkot. We explain every term in plain language.

Documentation & Filing

Our team in Rajkot 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 Rajkot. We stay with you until the last rupee is credited.

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?

Balance Transfer rates in Rajkot 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 Rajkot to find you the absolute lowest rate.

Which bank offers the lowest Balance Transfer rate in Rajkot?

SBI and HDFC typically offer the lowest Balance Transfer rates in Rajkot. 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 Rajkot.

How much Balance Transfer can I get in Rajkot?

In Rajkot, 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 Rajkot range from Rs 20 Lakhs to Rs 80 Lakhs.

What documents are needed for a Balance Transfer in Rajkot?

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

How long does Balance Transfer processing take in Rajkot?

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

Other Loan Products in Rajkot

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

Home Loan

From 7.15% p.a. in Rajkot

Business Loan

From 10% p.a. in Rajkot

Loan Against Property

From 8.75% p.a. in Rajkot

Builder Project Finance

From 12% p.a. in Rajkot

NRI Home Loan

From 8.5% p.a. in Rajkot

Popular Areas for Balance Transfer in Rajkot

Top localities in Rajkot where we serve the most borrowers.

Kalawad RoadUniversity Road150 Ft Ring RoadJamnagar RoadMorbi RoadGondal RoadRaiya RoadMavdi

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