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Home Loan Balance Transfer

Balance Transfer refers to the transferring of the outstanding Home Loan balance from one financial institution to another, for a lower interest rate or for better terms. If you’re looking for ways to save for the future, switch to the ICICI Bank Home Loan Balance Transfer option. It’s a smart move, as it lets you transfer your Home Loan outstanding balance to ICICI Bank, at a Repo Rate-linked attractive rate of interest. 

  For details, give us a missed call on 9022499400


Benefits of ICICI Bank Home Loan Balance Transfer

Need Assistance in Availing Balance Transfer?

If you need more assistance, we are here for you. Here is how you can get in touch with us.

    Missed call number: 9022499400

    Email us :

Steps to Apply  

Step 1

Provide your basic details along with loan requirement.

Step 2

Check your loan offer.


Confirm details and pay processing fees.

Step 4

Avail a provisional approval.

Step 5

Upload the documents.



It is quite easy to apply for an ICICI Bank Home Loan Balance Transfer. All you need to do is submit the below list of balance transfer documents, to ensure quick processing and approval of the loan facility: 

KYC documents

  • Aadhaar Card
  • Proof of current residence

Income documents

Income Documents not required * Documents can be asked on a case to case basis

Other documents

  • List of Documents from existing financier
  • Repayment Track Record
  • Bank Statement



The penalty for Home Loan balance transfer ranges between 2-5% as per the Reserve Bank of India (RBI) mandate. 

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. 

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.