A personal loan balance transfer is a process of transferring the existing loan balance from one lender to another. ICICI Bank Personal Loan Balance Transfer 2021: ✔ Reduced EMIs ✔ Longer Repayment Tenure Alternative ✔ Convenient Repayment ✔ Multiple Options to Apply ✔ Top-Up Facility ✔ Easy-to-meet eligibility criteria ✔ Minimal documents needed.