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Calculate your monthly EMI
₹ 0
₹ 0
- ₹5,00,000
- ₹3,00,00,000
- 1
- 21
- 12
- 360
- 1%
- 21%
- 12
- 360
Monthly EMI
You Save ₹0/month
Total Amount Paid
- ₹
- ₹
- ₹
- ₹
- ₹
- ₹
₹65,43,590
₹50,43,590
₹60,000
₹40,000
Get Home Loan Balance Transfer in just 5 steps
- 01.Enter your basic details along with loan requirements
- 02.Check the loan amount
- 03.Confirm details and pay the processing fees
- 04.Get a provisional approval
- 05.Upload the documents

Transfer your existing Home Loan to ICICI Bank
As a home owner, it is important that you know about ways to save on loan repayment and manage your budget.

Below is the list of documents required for a Mortgage Loan based on profile:
Individuals:
Identity Proof & Address Proof of Individuals: Aadhaar/Passport/Driving License/Voter ID/National Rural Employment Guarantee Act (NREGA) Card/Letter from the National Population Register (NPR) containing details of your name and address.
DOB Proof: Passport/Driving License/Voter ID/NREGA Card/Letter from the NPR containing details of your name and address.
Non-Individuals (Entity):
Identity Proof: Registration Certificate including Udyam Registration Certificate (URC) issued by the Government/Certificate/License issued by the municipal authorities under Shop and Establishment Act/Sales and Income Tax returns/CST/VAT/GST Certificate/Certificate/Registration document issued by Sales Tax/Service Tax/Professional Tax authorities/ IEC (Importer Exporter Code) issued to the proprietary concern by the office of the Directorate General of Foreign Trade (DGFT)/License/Certificate of practice issued in the name of the proprietary concern by any professional body incorporated under a statute/Complete Income Tax Returns (not just the acknowledgement) in the name of the Sole Proprietor where the firm's income is reflecting, duly authenticated/acknowledged by the Income Tax authorities/Utility bills such as electricity, water, landline telephone bills etc.
Note: For sole proprietorship concerns, any of the above-mentioned two documents are required.
Address Proof: GST Certificate/Business Registration Certificate/Gumastaa License/Udhyam Registration Certificate/Bank statement (not to be considered for entity proof)/Utility Bill/ITR/Rent Agreement with utility bill within 2 months.
Note: If the registered address and permanent address of the entity are different – proof is required in both cases.
Apart from the above-mentioned document, additional documents will be required for the below entities:
Partnership Firm: Partnership Deed
Limited Liability Partnership: LLP Agreement and Certificate of Incorporation, List of designated partners and latest profit-sharing ratio certified by a Chartered Accountant (CA)/Company Secretary (CS)
Public & Private Limited Co. (Even if there is only 1 director): Certificate of Incorporation, Memorandum of Association (MOA) and Articles of Association (AOA), CA/CS certified latest list of Directors and Shareholders with their names, date of birth, nationality and address
Trust: Trust Deed with Registration Certificate, list of all beneficiaries, trustees, settlors, protectors and authors of the trust, containing their names and Date of Birth
Society: By-laws/Memorandum of a Society with Registration Certificate, list of members with their names, address and Date of Birth
HUF: List of Adult Coparceners (Joint Heirs) attested by the Karta (Head of the family)
Authorised signatory along with KYC and Relationship Segment details in case of Private/Public Limited Companies/Limited Liability Partnerships/Partnership Firms/Trust/Society
List of Directors and Senior Management details in case of Private/Public Limited Companies
Legal Entity Identifier (LEI) Certificate of non-individual borrowers having a banking system exposure of ₹ <5> crore and above.
Beneficial owner details along with KYC documents as per below:
In case of Company/Partnership Firms/Limited Liability Partnership, more than 10% of shares/capital/profit of the company
In case of Unincorporated Association or Body of Person/Individual, more than 15% of capital/profit of the company
In case of author of the trust, the trustee, the beneficiaries with 10% and more interest in the trust.
Below is the list of documents required for a Mortgage Loan based on employment:
Income Proof:
Salaried:
- Latest Form 16
- Latest one-month salary slip
- Bank statements of the last 6 months.
Self-Employed
- Last 6 months’ Bank statements of all operative accounts
- Last 2 years CA Certified/Audited Income Tax Returns (ITR), computation of income, Profit and Loss Account Statement and Balance sheet
- GST returns of the last 1 year.
Disclaimer This is an indicative list only. Additional documents may be required for a case-to-case basis.
Home Loan Balance Transfer FAQs
How many times can I do a Home Loan balance transfer?


A borrower can transfer a Home Loan multiple times. However, you can only do a Home Loan balance transfer after the lock-in period ends. The lock-in period usually ranges from 6-12 months.
What is the minimum tenure for a Home Loan balance transfer?


You can apply for Home Loan Balance Transfer after paying EMI’s for 12-18 months on your loan. The minimum balance transfer amount is above Rs 15 Lakh. The minimum CIBIL score requirement is 700 for a Salaried, and 750 for Self Employed applicant
* On a case to case basis lower seasoning and CIBIL score can also be considered.
Is balance transfer a good option for a Loan?


Balance transfer can be a good option for a Home Loan. Transferring your Loan to another lender with a lower Home Loan interest rate can reduce the EMI and overall interest payment. For better research, use a House Loan Calculator to compare different offers and ensure the savings outweigh any transfer fees.
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at your convenience
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