Home Loan Balance Transfer and CIBIL Score: What Actually Happens to Your Credit Rating
The Short Answer Yes — a home loan balance transfer causes a 15–30 point temporary dip in your CIBIL score. This recovers fully within 3–6 months of regular EMI payments on the new loan. Long-term impact is neutral to positive. You should not delay a financially beneficial transfer because of the small, short-lived score impact. At Deutsche
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