Verified DSA of Bank of India (Government Bank)  |  Home & Property Loans at 0.5%–0.7% Lower Interest

Why Pay More? Move Your Loan to Bank of India

If your current home loan or loan against property is with a private bank or NBFC at a higher interest rate, a loan transfer to Bank of India can meaningfully reduce your EMI or shorten your tenure. As a verified BOI DSA, GTI Loans manages the entire transfer process — evaluation, paperwork, and coordination with both your existing lender and Bank of India — so you don't have to.

Beyond the rate benefit, a transfer can also be an opportunity to top-up your loan for additional funding needs, at the same lower rate.

Who Should Consider a Transfer

Paying Above-Market Interest

Your current loan rate is noticeably higher than what BOI currently offers.

Improved Credit Profile Since Loan Sanction

A better credit score or income today may qualify you for a meaningfully lower rate.

Need Additional Funds (Top-Up)

Transfer and top up your loan amount for a renovation, business, or other need — in one process.

Documents Typically Required

  • Existing loan statement & sanction letter
  • Foreclosure/outstanding balance letter from current lender
  • Identity, address & income proof
  • Property documents
  • Last 12 months' loan repayment track record
Indicative Rate Comparison*
Your Current Lender (avg.)9.35%
GTI Loans via BOI8.70%
0.5%–0.7% lower interest, plus the option to top up your loan amount.

Key Highlights

  • Lower EMI or shorter remaining tenure*
  • Top-up loan option available
  • End-to-end coordination with your existing lender
  • Transparent processing — no hidden charges

*Subject to Bank of India's evaluation of your existing loan, property, and repayment history.

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Verified BOI DSA

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0.5%–0.7% Lower Interest Rate
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