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Loan Balance Transfer Calculator

Is refinancing at a lower rate actually worth it?

₹1,00,000₹10,00,00,000
%
6 %20 %
%
6 %20 %
yrs
1 yrs30 yrs
₹0₹2,00,000

Results

Net savings from transfer

₹3,42,825

Worth considering — verify final rates and fees.

Current EMI
₹31,327
New EMI
₹29,367
Monthly saving
₹1,960
Gross interest saved
₹3,52,825

How this calculator works

A balance transfer moves your outstanding loan to a lender offering a lower rate. Savings depend on the rate gap, the remaining tenure and the fees — transfers late in a loan's life often are not worth it because most interest is already paid.

The calculator nets processing fees out of the interest saved so you see the true benefit.

Results are estimates for planning, not guarantees or tax/investment advice. For a plan built around your goals, talk to our advisors — the consultation is free.

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Our advisors will reach out to understand your goals and guide you toward the right financial decision — with no obligation.

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500+
Projects
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Awards
20+
Employees
10+

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