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Home Loan Balance Transfer Calculator

Calculate monthly EMI savings and total interest reduction by transferring your loan to a lower rate lender.

Outstanding Principal ₹ 25,00,000

₹10 L ₹25 L ₹50 L ₹75 L

Existing Interest Rate 9.5 %

9.0% 9.5% 10.0%

New Offered Rate 8.25 %

8.0% 8.25% 8.5%

Remaining Tenure 15 Years

5 Yrs 10 Yrs 15 Yrs 20 Yrs

Total Savings

₹ 3.4 L

savings

Existing EMI

₹ 26,108

New EMI

₹ 24,244

EMI Savings

₹ 1,864/mo

Balance Transfer FAQs

A balance transfer allows you to move your existing outstanding home loan from your current lender to a new bank offering a lower interest rate.

New lenders usually charge a nominal processing fee (approx 0.25% - 0.50% of the loan amount), which is easily recovered by long-term interest savings.

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