Hello ,

I have an existing home loan (23L) + top up loan (12 L) from a private bank, totaling to 34 Lakhs.

Would like to know whether i can do balance transfer of both the above accounts?

1. would any of the banks allow to merge this into a single loan? if so, would they hike the interest rates from normal?

2. if they keep it separate loans, would there be interest rate difference b/w both?

Thanks in advance.