Loan Repayment Track Record – A good repayment history on your existing loan.
Minimum Loan Balance – Lenders may require at least ?5 lakhs outstanding loan amount.
Remaining Tenure – Usually, at least 12 months of loan tenure should be left.
Stable Income Source – Salaried and self-employed individuals with steady income.
Good Credit Score – Preferably 700+ for better interest rates.

For Salaried Individuals

KYC Documents – Aadhaar, PAN, Voter ID, or Passport.
Income Proof – Latest 3 months’ salary slips & Form 16.
Bank Statements – Last 6 months' salary account statements.
Existing Loan Documents – Sanction letter, outstanding balance statement, and repayment history.
Property Papers – Sale deed, agreement, and latest property tax receipt.

For Self-Employed Individuals

Business Proof – GST certificate, trade license, or registration certificate.
Financial Documents – Last 2 years’ ITR, profit & loss statement, and balance sheet.
Bank Statements – Last 6-12 months’ business account statements.
Existing Loan Details – Loan sanction letter and repayment track record.
Property Papers – Sale deed, agreement, and latest property tax receipt.

Lower Interest Rates – Reduce your interest burden and overall loan cost.
Lower EMIs – Enjoy affordable monthly payments and improve cash flow.
Flexible Loan Tenure – Choose a longer tenure for lower EMIs or a shorter tenure to repay faster.
Top-Up Loan Facility – Get additional funds for home renovation, education, or personal/business needs.
Quick & Hassle-Free Process – Fast approvals with minimal documentation.
No Hidden Charges – Transparent process with minimal processing and foreclosure fees.
Zero Foreclosure Charges – No penalty on prepayment for floating interest rate loans.
Better Loan Terms & Services – Improved customer support and repayment flexibility.
Boosts Credit Score – Lower EMIs and timely payments improve your financial profile.