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Balance Transfer Calculator

Should you switch your home loan to a better rate?

Current Loan
₹1.00 L₹5.00 Cr
5%20%
1 yr30 yrs
New Lender Offer
5%20%
0%3%
₹0₹1.00 L
Want a personalised loan recommendation?

You could save ₹8.34 L by transferring.

Beneficial

You save ₹834K overall. Break-even in month 8 — well before your loan ends.

Current EMI

₹44,216

New EMI

₹39,390

EMI Saved / Month

₹4,826

Break-even Month

Month 8

Interest Saved

₹8.69 L

Switching Cost

₹35,000

Net Savings

₹8.34 L

Outstanding Balance Over Time

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Important Disclaimer: BorrowBetter (https://borrowbetter.tech) is an independent AI-powered financial decision engine and advisory platform. BorrowBetter is NOT a Direct Sales Agent (DSA), broker, or bank lender. Loan approvals, interest rates, and final processing are subject to individual lender underwriting guidelines and credit policies regulated by the Reserve Bank of India (RBI) and National Housing Bank (NHB).

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