Balance Transfer & Top-Up
Paying too much EMI? Move your loan and save
Transfer your existing home loan or loan against property to a bank with a better rate, and take a top-up amount if you need it.
- 24 branches in 4 states
Lower EMI or shorter tenure
Top-up on the same loan
We calculate the savings first
- Free eligibility check
- No impact on your CIBIL score
- Your details go only to the lender you choose
Loans from 40+ banks and NBFCs, including
Not sure how much you can get? Answer 5 quick questions and see your estimated balance transfer & top-up amount.
Check my eligibilityCompare and choose from 40+ banks and NBFCs
Why apply through Loan Ki Dukaan?
40+ lenders in one place
Public banks, private banks and NBFCs. We know what each one approves.
Matched to your profile
Salaried, self-employed or business owner, we take your file where it fits.
Paperwork done for you
Document checklist, application and bank follow-up handled by our team.
Branch or phone, your choice
24 branches across four states, plus support on call and WhatsApp.
Applying on your own vs with Loan Ki Dukaan
On your own
- Visit bank after bank, one at a time
- Every application adds an enquiry to your CIBIL report
- Guess which documents each bank wants
- Chase the bank yourself for updates
With Loan Ki Dukaan
- One application, matched across 40+ lenders
- We check your profile first, so you apply where you fit
- A document checklist made for your profile
- Your advisor follows up until the money is in your account
See how much balance transfer & top-up you can get. Free check.
Balance Transfer & Top-Up EMI calculator
Rates shown are examples. Your actual rate depends on the lender and your profile.
- Principal amount
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- Total interest
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- Total amount payable
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Step by step: how it works
Step 1Share your details
Fill the short form or call us. It takes under a minute and does not affect your credit score.
Step 2We check your profile
An LKD advisor looks at your income, CIBIL and documents, and matches you to the banks most likely to approve you.
Step 3We handle the paperwork
We collect documents, file the application and follow up with the bank for you.
Step 4Bank sanctions your loan
The bank does its checks, sanctions the loan and disburses the amount to your account.
Who can apply
- An existing home loan or LAP with regular EMIs
- At least 12 EMIs paid on time (varies by bank)
- ITR is usually required for transfer to government banks
Documents usually needed
- Existing loan sanction letter and statement
- List of property documents held by current bank
- KYC, income proof and bank statement
The exact list depends on the lender. Your advisor will share it before you apply.
Make my personal document checklistDocuments ready? Get matched to the right lender.
Who you are dealing with
A registered company with real branches you can walk into.
- Company
- Deals of Arya Finserv Consultants Pvt. Ltd.
- Brand
- Loan Ki Dukaan by Deals of Arya
Our safety promise
- We never ask for bank or card OTPs, PIN, CVV or net banking passwords.
- We never ask you to pay money to "guarantee" a loan approval.
- Your loan is sanctioned and paid by the bank or NBFC directly into your account.
- Your details are shared only with the lender you choose to apply with.
Something not right? Raise a complaint
Frequently asked questions
Is a balance transfer worth it?
It depends on the rate difference, remaining tenure and charges. Our advisor works out your actual saving before you decide.
Is Loan Ki Dukaan a bank?
No. We are a loan consultancy with tie-ups with 40+ banks and NBFCs. We help you choose the right lender and manage the application. The loan itself is sanctioned and disbursed by the bank or NBFC.
Will checking my eligibility affect my CIBIL score?
No. Sharing your details with us is not a loan application. A bank checks your credit report only when you decide to apply.
Do you ask for OTP or bank passwords?
Never for your bank or card. Loan Ki Dukaan will never ask for a bank or card OTP, card PIN, CVV or net banking password. If someone does, do not share it. (This website may send you a one-time code only to confirm your mobile number when you fill the form.)
Takes under a minute to start
Share your details and an LKD advisor will call you back.