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Personal Loan Balance Transfer as a concept was first linked with a transfer of your outstanding balance

Better interest rates – You have taken a loan from Bank A while working in a mid size company. You have now moved to a Category A (large and established) organisation to which banks offer a better interest rate. If the probability of the current lender reducing the interest rate is low, you can move your outstanding loan amount to Bank B with an minimal charge and would end up paying lower EMIs

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