Balance Transfer

Flexible Loan Transfer with Easy Top-Ups

About Balance Transfer

Srajan Capital’s Balance Transfer (BT) enables you to transfer your loan from any other financial institution to Srajan Capital Limited. You can enjoy a reasonable top-up on your loan while transferring the loan to fulfill your financial requirements. BT loans are secured via a collateral which will help you unlock the true value of your assets. As the nature of the loan is secured, we are able to offer high loan amounts.

High loan top up amounts

Get the opportunity to avail high top loan amount on your existing loan.

Minimum documentation

Say goodbye to tedious paperwork. We ensure hassle-free experience with our simple documentation requirements.

Quick loan transfer process

Smooth procedures and speedy processing. Get easy disbursal of money.

Min. Loan amount

3 Lakhs

Loan tenure period from

5 years - 10 years

Interest Rate starting from


Our Benefits

Quick Sanctions

With our quick appraisal process, you will not face any unnecessary challenges in your loan process.

No Hidden Charges

We believe in transparency. Hence, we take pride in a great loan experience, we will never impose any hidden charges other than our prescribed fees.

Minimum Documentation

Say goodbye to tedious paperwork. We wish to be your companions in every step of the way, and that includes helping you file all your paperwork.

Competitive Interest Rates

With our secured business loan we offer competitive and affordable interest rate in the market.

Documents Required for Balance Transfer

Proof of Identification

Voter Card, Aadhar Card, Valid Passport, Driving Licnese

Proof of Address

Voter Card, Aadhar Card, Valid Passport, Driving Licnese, Valid Rent agreement, Utility Bills in name of app/co-app

Income Proof

3 months salary slip, latest 6months bank statement, latest form 16/ ITR, Latest 1 year banking if Self employee

Property Papers

Copy of complete chain documents, Copy of agreement to sell (if executed), Copy of allotment letter (if applicable), Construction estimate

Other Documents

Statement of running loans, SOA/ Closure letter

Frequently asked questions (FAQ’s)

1What is Balance Transfer?

A Balance Transfer means, transferring your current loan from your existing finance institution to Srajan Capital. Balance Transfer can be availed on SME/MSME.

2What are the benefits of Balance Transfer?

Balance transfer provides you with lower interest rates, it reduces your EMI amount. Along with that it enables to avail a top-up loan for your further needs.

3What is the loan process?

Step 1: Submit loan application with all required documents for KYC, Income, Property title and Valuation. 

Step 2: Official visits for Field Investigation, Personal Discussion & Tele-verification.

Step 3: After clearance of all queries related to Income, Property Title and valuation, the sanction decision is made. 

Step 4: Submission of all requisite documents for disbursal, post verification the disbursal is made. All key internal processes are handled by a dedicated and knowledgeable in-house team to ensure your application is given due attention and to maintain the highest level of confidentiality.

4How do I apply?

Leave your details here.

5Is there a pre-payment or part-payment option for your product?

Yes. You can prepay or part pay the loan, subject to terms & conditions specified as per your sanction letter.

6What is the maximum loan I can borrow?

Loan amount is subject to our credit assessment and internal rating.

7What are my tenure options?

Tenure options are subjected to the credit worthiness  of an individual. Usually our loans have options ranging from 3 years - 10 years.

8Still have doubts?

To get answers to process-related questions, please fill the form and our team will get in touch with you.

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