Instant Balance Transfer


Are you paying high interest rate on your Mortgage Loan?

Now with special Instant Balance Transfer offers for ICICI Bank customers, you can avail of instant* sanction to transfer your Mortgage Loan to ICICI Bank in just three clicks and save more.

Note: Mortgage Loans include Home Loan, Non-Residential Premises Loan, Loan Against Property (LAP) and Land Loan.


Key features

Instant sanction

Generate sanction letter within few clicks

Easy transfer

Transfer loan of up to Rs 3 crore online

Zero documentation

No need to submit any documents for sanction

Sanction multiple loans

Transfer up to two Mortgage Loans

Frequently Asked Questions (FAQs) for Instant Balance Transfer

Instant Balance Transfer is an instant* sanction product for our customers with pre-approved Balance Transfer offer. You can generate your Balance Transfer sanction letter online in just a few clicks.

Steps for Instant Balance Transfer:

-View and select your Balance Transfer offer

-Pay a discounted processing fee

-Download your sanction letter

Pre-approved Balance Transfer offers are generated for customers having a Salary Account with ICICI Bank and the loan amount is based on the ongoing loan(s) of the customers.

If I do not have a Salary Account with ICICI Bank, can I still avail of the Instant Balance Transfer?

The sanction letter is valid for a period of 6 months, during which you can avail of the disbursement.

The maximum tenure that can be availed of is 30 years for Home Loans and 20 years for others. However, the offer tenure based on your age will be displayed on the offer page. You can reduce the tenure if required, but cannot increase it beyond the offer tenure.

Additional documents will be required as per the conditions mentioned in your sanction letter at the time of disbursement.

Instant Balance Transfer can be used to transfer Home Loans, Loan Against Property (LAP) (Residential and Commercial) and Commercial Property Purchase.

The customer can transfer maximum 2 loans in Instant Balance Transfer journey.

*Subject to acceptance of terms and conditions.


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