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Tools & calculators

Balance Transfer Calculator

Compare your existing loan with a proposed rate over the remaining tenure, including fees, to see whether a transfer could save you money.

₹1 lakh to ₹5 crore
0% to 20%
0% to 20%
Tenure unit
1 yr30 yr
Transfer fees and charges

Enter only fees you know about. They are shown separately and do not change the EMI.

Results

Estimated net saving

₹4,70,276

after fees of ₹15,000, over the remaining tenure

Current EMI
₹32,238
New EMI
₹29,542
Current total repayment
₹58,02,869
New total repayment
₹53,17,593
Current total interest
₹28,02,869
New total interest
₹23,17,593
Want to explore this scenario?We’ll attach these results to your enquiry, so you won’t need to re-enter anything.

  • Both loans are compared over the same remaining tenure of 15 years with fixed rates.
  • Fees include the processing fee and any other charges you entered; GST, stamp duty, foreclosure charges or insurance are excluded unless entered.
  • Interest rates, fees and eligibility are set by the lender and may differ from these figures.
View repayment schedule (after transfer)
Repayment schedule by year. Expand a year to see monthly rows.
Period Opening balance Principal Interest Instalments Closing balance
₹30,00,000 ₹1,03,476 ₹2,51,030 ₹3,54,506 ₹28,96,524
₹28,96,524 ₹1,12,622 ₹2,41,884 ₹3,54,506 ₹27,83,902
₹27,83,902 ₹1,22,577 ₹2,31,929 ₹3,54,506 ₹26,61,325
₹26,61,325 ₹1,33,412 ₹2,21,095 ₹3,54,506 ₹25,27,913
₹25,27,913 ₹1,45,204 ₹2,09,302 ₹3,54,506 ₹23,82,709
₹23,82,709 ₹1,58,039 ₹1,96,467 ₹3,54,506 ₹22,24,670
₹22,24,670 ₹1,72,008 ₹1,82,498 ₹3,54,506 ₹20,52,662
₹20,52,662 ₹1,87,212 ₹1,67,294 ₹3,54,506 ₹18,65,450
₹18,65,450 ₹2,03,760 ₹1,50,747 ₹3,54,506 ₹16,61,691
₹16,61,691 ₹2,21,770 ₹1,32,736 ₹3,54,506 ₹14,39,920
₹14,39,920 ₹2,41,373 ₹1,13,134 ₹3,54,506 ₹11,98,548
₹11,98,548 ₹2,62,708 ₹91,798 ₹3,54,506 ₹9,35,840
₹9,35,840 ₹2,85,929 ₹68,577 ₹3,54,506 ₹6,49,911
₹6,49,911 ₹3,11,202 ₹43,304 ₹3,54,506 ₹3,38,709
₹3,38,709 ₹3,38,709 ₹15,796 ₹3,54,505 ₹0

Illustrative comparison using fixed rates over the same remaining tenure. Foreclosure charges, taxes and insurance are excluded unless entered as other charges. The lender decides your actual terms.

Next step

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Learn more about balance transfers

When the interest you save over the remaining tenure is greater than the fees and charges of moving the loan. Our calculator shows the net result.

Our calculator compares both loans over the same remaining tenure. A new lender may offer different tenure options.

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