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All calculators
MSME RegisteredGovernment of India
Loan Balance Transfer Calculator
Is refinancing at a lower rate actually worth it?
MSME RegisteredGovernment of India
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NPS Vatsalya & NPS for Gen Z
ICICI NPS
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Loan against mutual funds & shares
i-LAS Account
Unlock liquidity without selling your portfolio — borrow against your mutual fund and share holdings via Volt Money.
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Invoice discounting
altGraaf
An assured, guaranteed-return debt asset class through invoice discounting — diversify beyond equity and traditional debt.
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₹
₹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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