Question 1

When should I consider a Balance Transfer?

Accepted Answer

You should consider a BT when:
 • You’re paying a high interest rate
 • You have at least 6–12 months of repayment history
 • Your credit score is healthy
 • You want additional funds through a top-up loan
 • You want to reduce your EMI burden or loan tenure

Question 2

What are the benefits of a Balance Transfer through FundFlow Consultancy Pvt. Ltd?

Accepted Answer

• Lower interest rates from top lenders
 • Free expert consultation and loan comparison
 • Top-up loan facility available
 • End-to-end support with documentation and coordination
 • Faster processing with minimal follow-up required from you

Question 3

Will my credit score be affected if I do a balance transfer?

Accepted Answer

A balance transfer itself does not harm your credit score. In fact, if it helps you reduce EMI and improve repayment consistency, your credit score can improve over time.

Question 4

How long does the balance transfer process take?

Accepted Answer

With proper documents, the BT process typically takes 5 to 10 working days. FundFlow ensures fast-tracking and minimal hassle.

Question 5

Will I need to visit my current lender to close the loan?

Accepted Answer

In most cases, FundFlow handles coordination with both the existing and new lenders. You may need to sign a few documents, but we ensure doorstep documentation wherever possible.

Question 6

Can I apply for a balance transfer if I have missed a few EMIs in the past?

Accepted Answer

You can still apply, but lenders may be cautious. FundFlow Consultancy Pvt. Ltd. helps you improve your application strength by explaining your case and suggesting the right lenders who are open to such profiles.

BALANCE TRANSFER