Home Loan Balance Transfer

Review whether transferring an existing home loan may improve cost, tenure or service.

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Balance Transfer Savings Calculator

Compare the remaining cost of your current loan with a proposed balance transfer over the same selected tenure.

Outstanding Loan AmountCurrent Interest Rate (%)New Interest Rate (%)Starts with the admin-configured rate; you can edit it.New Tenure (Years)

Yippee... you are saving ₹6,77,756 interest amount in this deal.

Indicative comparison before transfer fees, taxes, insurance, foreclosure charges and other lender costs.

Current EMI

₹26,992

New EMI

₹24,168

Current Total Interest

₹34,78,027

New Total Interest

₹28,00,271

View repayment schedule comparison

Current Loan

Month	Opening	EMI	Principal	Interest	Closing
1	₹30,00,000	₹26,992	₹4,492	₹22,500	₹29,95,508
2	₹29,95,508	₹26,992	₹4,525	₹22,466	₹29,90,983
3	₹29,90,983	₹26,992	₹4,559	₹22,432	₹29,86,423
4	₹29,86,423	₹26,992	₹4,594	₹22,398	₹29,81,830
5	₹29,81,830	₹26,992	₹4,628	₹22,364	₹29,77,202
6	₹29,77,202	₹26,992	₹4,663	₹22,329	₹29,72,539
7	₹29,72,539	₹26,992	₹4,698	₹22,294	₹29,67,841
8	₹29,67,841	₹26,992	₹4,733	₹22,259	₹29,63,108
9	₹29,63,108	₹26,992	₹4,768	₹22,223	₹29,58,340
10	₹29,58,340	₹26,992	₹4,804	₹22,188	₹29,53,536
11	₹29,53,536	₹26,992	₹4,840	₹22,152	₹29,48,695
12	₹29,48,695	₹26,992	₹4,877	₹22,115	₹29,43,819
13	₹29,43,819	₹26,992	₹4,913	₹22,079	₹29,38,906
14	₹29,38,906	₹26,992	₹4,950	₹22,042	₹29,33,956
15	₹29,33,956	₹26,992	₹4,987	₹22,005	₹29,28,968
16	₹29,28,968	₹26,992	₹5,025	₹21,967	₹29,23,944
17	₹29,23,944	₹26,992	₹5,062	₹21,930	₹29,18,882
18	₹29,18,882	₹26,992	₹5,100	₹21,892	₹29,13,782
19	₹29,13,782	₹26,992	₹5,138	₹21,853	₹29,08,643
20	₹29,08,643	₹26,992	₹5,177	₹21,815	₹29,03,466
21	₹29,03,466	₹26,992	₹5,216	₹21,776	₹28,98,250
22	₹28,98,250	₹26,992	₹5,255	₹21,737	₹28,92,996
23	₹28,92,996	₹26,992	₹5,294	₹21,697	₹28,87,701
24	₹28,87,701	₹26,992	₹5,334	₹21,658	₹28,82,367
25	₹28,82,367	₹26,992	₹5,374	₹21,618	₹28,76,993
26	₹28,76,993	₹26,992	₹5,414	₹21,577	₹28,71,579
27	₹28,71,579	₹26,992	₹5,455	₹21,537	₹28,66,124
28	₹28,66,124	₹26,992	₹5,496	₹21,496	₹28,60,628
29	₹28,60,628	₹26,992	₹5,537	₹21,455	₹28,55,091
30	₹28,55,091	₹26,992	₹5,579	₹21,413	₹28,49,512
31	₹28,49,512	₹26,992	₹5,620	₹21,371	₹28,43,892
32	₹28,43,892	₹26,992	₹5,663	₹21,329	₹28,38,229
33	₹28,38,229	₹26,992	₹5,705	₹21,287	₹28,32,524
34	₹28,32,524	₹26,992	₹5,748	₹21,244	₹28,26,776
35	₹28,26,776	₹26,992	₹5,791	₹21,201	₹28,20,985
36	₹28,20,985	₹26,992	₹5,834	₹21,157	₹28,15,151
37	₹28,15,151	₹26,992	₹5,878	₹21,114	₹28,09,273
38	₹28,09,273	₹26,992	₹5,922	₹21,070	₹28,03,351
39	₹28,03,351	₹26,992	₹5,967	₹21,025	₹27,97,384
40	₹27,97,384	₹26,992	₹6,011	₹20,980	₹27,91,373
41	₹27,91,373	₹26,992	₹6,056	₹20,935	₹27,85,316
42	₹27,85,316	₹26,992	₹6,102	₹20,890	₹27,79,214
43	₹27,79,214	₹26,992	₹6,148	₹20,844	₹27,73,067
44	₹27,73,067	₹26,992	₹6,194	₹20,798	₹27,66,873
45	₹27,66,873	₹26,992	₹6,240	₹20,752	₹27,60,633
46	₹27,60,633	₹26,992	₹6,287	₹20,705	₹27,54,346
47	₹27,54,346	₹26,992	₹6,334	₹20,658	₹27,48,011
48	₹27,48,011	₹26,992	₹6,382	₹20,610	₹27,41,630
49	₹27,41,630	₹26,992	₹6,430	₹20,562	₹27,35,200
50	₹27,35,200	₹26,992	₹6,478	₹20,514	₹27,28,722
51	₹27,28,722	₹26,992	₹6,526	₹20,465	₹27,22,196
52	₹27,22,196	₹26,992	₹6,575	₹20,416	₹27,15,621
53	₹27,15,621	₹26,992	₹6,625	₹20,367	₹27,08,996
54	₹27,08,996	₹26,992	₹6,674	₹20,317	₹27,02,322
55	₹27,02,322	₹26,992	₹6,724	₹20,267	₹26,95,597
56	₹26,95,597	₹26,992	₹6,775	₹20,217	₹26,88,823
57	₹26,88,823	₹26,992	₹6,826	₹20,166	₹26,81,997
58	₹26,81,997	₹26,992	₹6,877	₹20,115	₹26,75,120
59	₹26,75,120	₹26,992	₹6,928	₹20,063	₹26,68,192
60	₹26,68,192	₹26,992	₹6,980	₹20,011	₹26,61,211
61	₹26,61,211	₹26,992	₹7,033	₹19,959	₹26,54,179
62	₹26,54,179	₹26,992	₹7,085	₹19,906	₹26,47,093
63	₹26,47,093	₹26,992	₹7,139	₹19,853	₹26,39,955
64	₹26,39,955	₹26,992	₹7,192	₹19,800	₹26,32,763
65	₹26,32,763	₹26,992	₹7,246	₹19,746	₹26,25,517
66	₹26,25,517	₹26,992	₹7,300	₹19,691	₹26,18,216
67	₹26,18,216	₹26,992	₹7,355	₹19,637	₹26,10,861
68	₹26,10,861	₹26,992	₹7,410	₹19,581	₹26,03,451
69	₹26,03,451	₹26,992	₹7,466	₹19,526	₹25,95,985
70	₹25,95,985	₹26,992	₹7,522	₹19,470	₹25,88,463
71	₹25,88,463	₹26,992	₹7,578	₹19,413	₹25,80,885
72	₹25,80,885	₹26,992	₹7,635	₹19,357	₹25,73,249
73	₹25,73,249	₹26,992	₹7,692	₹19,299	₹25,65,557
74	₹25,65,557	₹26,992	₹7,750	₹19,242	₹25,57,807
75	₹25,57,807	₹26,992	₹7,808	₹19,184	₹25,49,999
76	₹25,49,999	₹26,992	₹7,867	₹19,125	₹25,42,132
77	₹25,42,132	₹26,992	₹7,926	₹19,066	₹25,34,206
78	₹25,34,206	₹26,992	₹7,985	₹19,007	₹25,26,221
79	₹25,26,221	₹26,992	₹8,045	₹18,947	₹25,18,176
80	₹25,18,176	₹26,992	₹8,105	₹18,886	₹25,10,070
81	₹25,10,070	₹26,992	₹8,166	₹18,826	₹25,01,904
82	₹25,01,904	₹26,992	₹8,227	₹18,764	₹24,93,677
83	₹24,93,677	₹26,992	₹8,289	₹18,703	₹24,85,387
84	₹24,85,387	₹26,992	₹8,351	₹18,640	₹24,77,036
85	₹24,77,036	₹26,992	₹8,414	₹18,578	₹24,68,622
86	₹24,68,622	₹26,992	₹8,477	₹18,515	₹24,60,145
87	₹24,60,145	₹26,992	₹8,541	₹18,451	₹24,51,604
88	₹24,51,604	₹26,992	₹8,605	₹18,387	₹24,42,999
89	₹24,42,999	₹26,992	₹8,669	₹18,322	₹24,34,330
90	₹24,34,330	₹26,992	₹8,734	₹18,257	₹24,25,596
91	₹24,25,596	₹26,992	₹8,800	₹18,192	₹24,16,796
92	₹24,16,796	₹26,992	₹8,866	₹18,126	₹24,07,930
93	₹24,07,930	₹26,992	₹8,932	₹18,059	₹23,98,998
94	₹23,98,998	₹26,992	₹8,999	₹17,992	₹23,89,999
95	₹23,89,999	₹26,992	₹9,067	₹17,925	₹23,80,932
96	₹23,80,932	₹26,992	₹9,135	₹17,857	₹23,71,797
97	₹23,71,797	₹26,992	₹9,203	₹17,788	₹23,62,594
98	₹23,62,594	₹26,992	₹9,272	₹17,719	₹23,53,321
99	₹23,53,321	₹26,992	₹9,342	₹17,650	₹23,43,980
100	₹23,43,980	₹26,992	₹9,412	₹17,580	₹23,34,568
101	₹23,34,568	₹26,992	₹9,483	₹17,509	₹23,25,085
102	₹23,25,085	₹26,992	₹9,554	₹17,438	₹23,15,531
103	₹23,15,531	₹26,992	₹9,625	₹17,366	₹23,05,906
104	₹23,05,906	₹26,992	₹9,697	₹17,294	₹22,96,209
105	₹22,96,209	₹26,992	₹9,770	₹17,222	₹22,86,438
106	₹22,86,438	₹26,992	₹9,843	₹17,148	₹22,76,595
107	₹22,76,595	₹26,992	₹9,917	₹17,074	₹22,66,678
108	₹22,66,678	₹26,992	₹9,992	₹17,000	₹22,56,686
109	₹22,56,686	₹26,992	₹10,067	₹16,925	₹22,46,619
110	₹22,46,619	₹26,992	₹10,142	₹16,850	₹22,36,477
111	₹22,36,477	₹26,992	₹10,218	₹16,774	₹22,26,259
112	₹22,26,259	₹26,992	₹10,295	₹16,697	₹22,15,964
113	₹22,15,964	₹26,992	₹10,372	₹16,620	₹22,05,592
114	₹22,05,592	₹26,992	₹10,450	₹16,542	₹21,95,142
115	₹21,95,142	₹26,992	₹10,528	₹16,464	₹21,84,614
116	₹21,84,614	₹26,992	₹10,607	₹16,385	₹21,74,007
117	₹21,74,007	₹26,992	₹10,687	₹16,305	₹21,63,320
118	₹21,63,320	₹26,992	₹10,767	₹16,225	₹21,52,553
119	₹21,52,553	₹26,992	₹10,848	₹16,144	₹21,41,706
120	₹21,41,706	₹26,992	₹10,929	₹16,063	₹21,30,777
121	₹21,30,777	₹26,992	₹11,011	₹15,981	₹21,19,766
122	₹21,19,766	₹26,992	₹11,094	₹15,898	₹21,08,672
123	₹21,08,672	₹26,992	₹11,177	₹15,815	₹20,97,495
124	₹20,97,495	₹26,992	₹11,261	₹15,731	₹20,86,235
125	₹20,86,235	₹26,992	₹11,345	₹15,647	₹20,74,890
126	₹20,74,890	₹26,992	₹11,430	₹15,562	₹20,63,460
127	₹20,63,460	₹26,992	₹11,516	₹15,476	₹20,51,944
128	₹20,51,944	₹26,992	₹11,602	₹15,390	₹20,40,342
129	₹20,40,342	₹26,992	₹11,689	₹15,303	₹20,28,653
130	₹20,28,653	₹26,992	₹11,777	₹15,215	₹20,16,876
131	₹20,16,876	₹26,992	₹11,865	₹15,127	₹20,05,010
132	₹20,05,010	₹26,992	₹11,954	₹15,038	₹19,93,056
133	₹19,93,056	₹26,992	₹12,044	₹14,948	₹19,81,012
134	₹19,81,012	₹26,992	₹12,134	₹14,858	₹19,68,878
135	₹19,68,878	₹26,992	₹12,225	₹14,767	₹19,56,653
136	₹19,56,653	₹26,992	₹12,317	₹14,675	₹19,44,336
137	₹19,44,336	₹26,992	₹12,409	₹14,583	₹19,31,927
138	₹19,31,927	₹26,992	₹12,502	₹14,489	₹19,19,425
139	₹19,19,425	₹26,992	₹12,596	₹14,396	₹19,06,828
140	₹19,06,828	₹26,992	₹12,691	₹14,301	₹18,94,138
141	₹18,94,138	₹26,992	₹12,786	₹14,206	₹18,81,352
142	₹18,81,352	₹26,992	₹12,882	₹14,110	₹18,68,471
143	₹18,68,471	₹26,992	₹12,978	₹14,014	₹18,55,492
144	₹18,55,492	₹26,992	₹13,076	₹13,916	₹18,42,417
145	₹18,42,417	₹26,992	₹13,174	₹13,818	₹18,29,243
146	₹18,29,243	₹26,992	₹13,272	₹13,719	₹18,15,971
147	₹18,15,971	₹26,992	₹13,372	₹13,620	₹18,02,599
148	₹18,02,599	₹26,992	₹13,472	₹13,519	₹17,89,126
149	₹17,89,126	₹26,992	₹13,573	₹13,418	₹17,75,553
150	₹17,75,553	₹26,992	₹13,675	₹13,317	₹17,61,878
151	₹17,61,878	₹26,992	₹13,778	₹13,214	₹17,48,100
152	₹17,48,100	₹26,992	₹13,881	₹13,111	₹17,34,219
153	₹17,34,219	₹26,992	₹13,985	₹13,007	₹17,20,234
154	₹17,20,234	₹26,992	₹14,090	₹12,902	₹17,06,144
155	₹17,06,144	₹26,992	₹14,196	₹12,796	₹16,91,948
156	₹16,91,948	₹26,992	₹14,302	₹12,690	₹16,77,646
157	₹16,77,646	₹26,992	₹14,409	₹12,582	₹16,63,237
158	₹16,63,237	₹26,992	₹14,518	₹12,474	₹16,48,719
159	₹16,48,719	₹26,992	₹14,626	₹12,365	₹16,34,093
160	₹16,34,093	₹26,992	₹14,736	₹12,256	₹16,19,357
161	₹16,19,357	₹26,992	₹14,847	₹12,145	₹16,04,510
162	₹16,04,510	₹26,992	₹14,958	₹12,034	₹15,89,552
163	₹15,89,552	₹26,992	₹15,070	₹11,922	₹15,74,482
164	₹15,74,482	₹26,992	₹15,183	₹11,809	₹15,59,299
165	₹15,59,299	₹26,992	₹15,297	₹11,695	₹15,44,002
166	₹15,44,002	₹26,992	₹15,412	₹11,580	₹15,28,590
167	₹15,28,590	₹26,992	₹15,527	₹11,464	₹15,13,063
168	₹15,13,063	₹26,992	₹15,644	₹11,348	₹14,97,419
169	₹14,97,419	₹26,992	₹15,761	₹11,231	₹14,81,658
170	₹14,81,658	₹26,992	₹15,879	₹11,112	₹14,65,778
171	₹14,65,778	₹26,992	₹15,998	₹10,993	₹14,49,780
172	₹14,49,780	₹26,992	₹16,118	₹10,873	₹14,33,661
173	₹14,33,661	₹26,992	₹16,239	₹10,752	₹14,17,422
174	₹14,17,422	₹26,992	₹16,361	₹10,631	₹14,01,061
175	₹14,01,061	₹26,992	₹16,484	₹10,508	₹13,84,577
176	₹13,84,577	₹26,992	₹16,607	₹10,384	₹13,67,970
177	₹13,67,970	₹26,992	₹16,732	₹10,260	₹13,51,238
178	₹13,51,238	₹26,992	₹16,857	₹10,134	₹13,34,380
179	₹13,34,380	₹26,992	₹16,984	₹10,008	₹13,17,396
180	₹13,17,396	₹26,992	₹17,111	₹9,880	₹13,00,285
181	₹13,00,285	₹26,992	₹17,240	₹9,752	₹12,83,045
182	₹12,83,045	₹26,992	₹17,369	₹9,623	₹12,65,676
183	₹12,65,676	₹26,992	₹17,499	₹9,493	₹12,48,177
184	₹12,48,177	₹26,992	₹17,630	₹9,361	₹12,30,547
185	₹12,30,547	₹26,992	₹17,763	₹9,229	₹12,12,784
186	₹12,12,784	₹26,992	₹17,896	₹9,096	₹11,94,888
187	₹11,94,888	₹26,992	₹18,030	₹8,962	₹11,76,858
188	₹11,76,858	₹26,992	₹18,165	₹8,826	₹11,58,693
189	₹11,58,693	₹26,992	₹18,302	₹8,690	₹11,40,391
190	₹11,40,391	₹26,992	₹18,439	₹8,553	₹11,21,952
191	₹11,21,952	₹26,992	₹18,577	₹8,415	₹11,03,375
192	₹11,03,375	₹26,992	₹18,716	₹8,275	₹10,84,659
193	₹10,84,659	₹26,992	₹18,857	₹8,135	₹10,65,802
194	₹10,65,802	₹26,992	₹18,998	₹7,994	₹10,46,804
195	₹10,46,804	₹26,992	₹19,141	₹7,851	₹10,27,663
196	₹10,27,663	₹26,992	₹19,284	₹7,707	₹10,08,379
197	₹10,08,379	₹26,992	₹19,429	₹7,563	₹9,88,950
198	₹9,88,950	₹26,992	₹19,575	₹7,417	₹9,69,375
199	₹9,69,375	₹26,992	₹19,721	₹7,270	₹9,49,654
200	₹9,49,654	₹26,992	₹19,869	₹7,122	₹9,29,784
201	₹9,29,784	₹26,992	₹20,018	₹6,973	₹9,09,766
202	₹9,09,766	₹26,992	₹20,169	₹6,823	₹8,89,597
203	₹8,89,597	₹26,992	₹20,320	₹6,672	₹8,69,277
204	₹8,69,277	₹26,992	₹20,472	₹6,520	₹8,48,805
205	₹8,48,805	₹26,992	₹20,626	₹6,366	₹8,28,179
206	₹8,28,179	₹26,992	₹20,780	₹6,211	₹8,07,399
207	₹8,07,399	₹26,992	₹20,936	₹6,055	₹7,86,463
208	₹7,86,463	₹26,992	₹21,093	₹5,898	₹7,65,369
209	₹7,65,369	₹26,992	₹21,252	₹5,740	₹7,44,118
210	₹7,44,118	₹26,992	₹21,411	₹5,581	₹7,22,707
211	₹7,22,707	₹26,992	₹21,571	₹5,420	₹7,01,136
212	₹7,01,136	₹26,992	₹21,733	₹5,259	₹6,79,402
213	₹6,79,402	₹26,992	₹21,896	₹5,096	₹6,57,506
214	₹6,57,506	₹26,992	₹22,060	₹4,931	₹6,35,446
215	₹6,35,446	₹26,992	₹22,226	₹4,766	₹6,13,220
216	₹6,13,220	₹26,992	₹22,393	₹4,599	₹5,90,827
217	₹5,90,827	₹26,992	₹22,561	₹4,431	₹5,68,266
218	₹5,68,266	₹26,992	₹22,730	₹4,262	₹5,45,537
219	₹5,45,537	₹26,992	₹22,900	₹4,092	₹5,22,636
220	₹5,22,636	₹26,992	₹23,072	₹3,920	₹4,99,564
221	₹4,99,564	₹26,992	₹23,245	₹3,747	₹4,76,319
222	₹4,76,319	₹26,992	₹23,419	₹3,572	₹4,52,900
223	₹4,52,900	₹26,992	₹23,595	₹3,397	₹4,29,305
224	₹4,29,305	₹26,992	₹23,772	₹3,220	₹4,05,533
225	₹4,05,533	₹26,992	₹23,950	₹3,041	₹3,81,583
226	₹3,81,583	₹26,992	₹24,130	₹2,862	₹3,57,453
227	₹3,57,453	₹26,992	₹24,311	₹2,681	₹3,33,142
228	₹3,33,142	₹26,992	₹24,493	₹2,499	₹3,08,649
229	₹3,08,649	₹26,992	₹24,677	₹2,315	₹2,83,972
230	₹2,83,972	₹26,992	₹24,862	₹2,130	₹2,59,110
231	₹2,59,110	₹26,992	₹25,048	₹1,943	₹2,34,061
232	₹2,34,061	₹26,992	₹25,236	₹1,755	₹2,08,825
233	₹2,08,825	₹26,992	₹25,426	₹1,566	₹1,83,399
234	₹1,83,399	₹26,992	₹25,616	₹1,375	₹1,57,783
235	₹1,57,783	₹26,992	₹25,808	₹1,183	₹1,31,975
236	₹1,31,975	₹26,992	₹26,002	₹990	₹1,05,973
237	₹1,05,973	₹26,992	₹26,197	₹795	₹79,776
238	₹79,776	₹26,992	₹26,393	₹598	₹53,382
239	₹53,382	₹26,992	₹26,591	₹400	₹26,791
240	₹26,791	₹26,992	₹26,791	₹201	₹0

Proposed Balance Transfer

Month	Opening	EMI	Principal	Interest	Closing
1	₹30,00,000	₹24,168	₹5,418	₹18,750	₹29,94,582
2	₹29,94,582	₹24,168	₹5,452	₹18,716	₹29,89,131
3	₹29,89,131	₹24,168	₹5,486	₹18,682	₹29,83,645
4	₹29,83,645	₹24,168	₹5,520	₹18,648	₹29,78,125
5	₹29,78,125	₹24,168	₹5,555	₹18,613	₹29,72,570
6	₹29,72,570	₹24,168	₹5,589	₹18,579	₹29,66,981
7	₹29,66,981	₹24,168	₹5,624	₹18,544	₹29,61,357
8	₹29,61,357	₹24,168	₹5,659	₹18,508	₹29,55,698
9	₹29,55,698	₹24,168	₹5,695	₹18,473	₹29,50,003
10	₹29,50,003	₹24,168	₹5,730	₹18,438	₹29,44,273
11	₹29,44,273	₹24,168	₹5,766	₹18,402	₹29,38,507
12	₹29,38,507	₹24,168	₹5,802	₹18,366	₹29,32,704
13	₹29,32,704	₹24,168	₹5,838	₹18,329	₹29,26,866
14	₹29,26,866	₹24,168	₹5,875	₹18,293	₹29,20,991
15	₹29,20,991	₹24,168	₹5,912	₹18,256	₹29,15,080
16	₹29,15,080	₹24,168	₹5,949	₹18,219	₹29,09,131
17	₹29,09,131	₹24,168	₹5,986	₹18,182	₹29,03,145
18	₹29,03,145	₹24,168	₹6,023	₹18,145	₹28,97,122
19	₹28,97,122	₹24,168	₹6,061	₹18,107	₹28,91,061
20	₹28,91,061	₹24,168	₹6,099	₹18,069	₹28,84,963
21	₹28,84,963	₹24,168	₹6,137	₹18,031	₹28,78,826
22	₹28,78,826	₹24,168	₹6,175	₹17,993	₹28,72,651
23	₹28,72,651	₹24,168	₹6,214	₹17,954	₹28,66,437
24	₹28,66,437	₹24,168	₹6,253	₹17,915	₹28,60,184
25	₹28,60,184	₹24,168	₹6,292	₹17,876	₹28,53,893
26	₹28,53,893	₹24,168	₹6,331	₹17,837	₹28,47,562
27	₹28,47,562	₹24,168	₹6,371	₹17,797	₹28,41,191
28	₹28,41,191	₹24,168	₹6,410	₹17,757	₹28,34,781
29	₹28,34,781	₹24,168	₹6,450	₹17,717	₹28,28,331
30	₹28,28,331	₹24,168	₹6,491	₹17,677	₹28,21,840
31	₹28,21,840	₹24,168	₹6,531	₹17,636	₹28,15,309
32	₹28,15,309	₹24,168	₹6,572	₹17,596	₹28,08,736
33	₹28,08,736	₹24,168	₹6,613	₹17,555	₹28,02,123
34	₹28,02,123	₹24,168	₹6,655	₹17,513	₹27,95,469
35	₹27,95,469	₹24,168	₹6,696	₹17,472	₹27,88,773
36	₹27,88,773	₹24,168	₹6,738	₹17,430	₹27,82,035
37	₹27,82,035	₹24,168	₹6,780	₹17,388	₹27,75,255
38	₹27,75,255	₹24,168	₹6,822	₹17,345	₹27,68,432
39	₹27,68,432	₹24,168	₹6,865	₹17,303	₹27,61,567
40	₹27,61,567	₹24,168	₹6,908	₹17,260	₹27,54,659
41	₹27,54,659	₹24,168	₹6,951	₹17,217	₹27,47,708
42	₹27,47,708	₹24,168	₹6,995	₹17,173	₹27,40,713
43	₹27,40,713	₹24,168	₹7,038	₹17,129	₹27,33,675
44	₹27,33,675	₹24,168	₹7,082	₹17,085	₹27,26,592
45	₹27,26,592	₹24,168	₹7,127	₹17,041	₹27,19,466
46	₹27,19,466	₹24,168	₹7,171	₹16,997	₹27,12,295
47	₹27,12,295	₹24,168	₹7,216	₹16,952	₹27,05,079
48	₹27,05,079	₹24,168	₹7,261	₹16,907	₹26,97,818
49	₹26,97,818	₹24,168	₹7,306	₹16,861	₹26,90,511
50	₹26,90,511	₹24,168	₹7,352	₹16,816	₹26,83,159
51	₹26,83,159	₹24,168	₹7,398	₹16,770	₹26,75,761
52	₹26,75,761	₹24,168	₹7,444	₹16,724	₹26,68,317
53	₹26,68,317	₹24,168	₹7,491	₹16,677	₹26,60,826
54	₹26,60,826	₹24,168	₹7,538	₹16,630	₹26,53,288
55	₹26,53,288	₹24,168	₹7,585	₹16,583	₹26,45,704
56	₹26,45,704	₹24,168	₹7,632	₹16,536	₹26,38,072
57	₹26,38,072	₹24,168	₹7,680	₹16,488	₹26,30,392
58	₹26,30,392	₹24,168	₹7,728	₹16,440	₹26,22,664
59	₹26,22,664	₹24,168	₹7,776	₹16,392	₹26,14,888
60	₹26,14,888	₹24,168	₹7,825	₹16,343	₹26,07,063
61	₹26,07,063	₹24,168	₹7,874	₹16,294	₹25,99,189
62	₹25,99,189	₹24,168	₹7,923	₹16,245	₹25,91,266
63	₹25,91,266	₹24,168	₹7,972	₹16,195	₹25,83,294
64	₹25,83,294	₹24,168	₹8,022	₹16,146	₹25,75,272
65	₹25,75,272	₹24,168	₹8,072	₹16,095	₹25,67,200
66	₹25,67,200	₹24,168	₹8,123	₹16,045	₹25,59,077
67	₹25,59,077	₹24,168	₹8,174	₹15,994	₹25,50,903
68	₹25,50,903	₹24,168	₹8,225	₹15,943	₹25,42,678
69	₹25,42,678	₹24,168	₹8,276	₹15,892	₹25,34,402
70	₹25,34,402	₹24,168	₹8,328	₹15,840	₹25,26,075
71	₹25,26,075	₹24,168	₹8,380	₹15,788	₹25,17,695
72	₹25,17,695	₹24,168	₹8,432	₹15,736	₹25,09,263
73	₹25,09,263	₹24,168	₹8,485	₹15,683	₹25,00,778
74	₹25,00,778	₹24,168	₹8,538	₹15,630	₹24,92,240
75	₹24,92,240	₹24,168	₹8,591	₹15,576	₹24,83,648
76	₹24,83,648	₹24,168	₹8,645	₹15,523	₹24,75,003
77	₹24,75,003	₹24,168	₹8,699	₹15,469	₹24,66,304
78	₹24,66,304	₹24,168	₹8,753	₹15,414	₹24,57,551
79	₹24,57,551	₹24,168	₹8,808	₹15,360	₹24,48,743
80	₹24,48,743	₹24,168	₹8,863	₹15,305	₹24,39,880
81	₹24,39,880	₹24,168	₹8,919	₹15,249	₹24,30,961
82	₹24,30,961	₹24,168	₹8,974	₹15,194	₹24,21,987
83	₹24,21,987	₹24,168	₹9,030	₹15,137	₹24,12,957
84	₹24,12,957	₹24,168	₹9,087	₹15,081	₹24,03,870
85	₹24,03,870	₹24,168	₹9,144	₹15,024	₹23,94,726
86	₹23,94,726	₹24,168	₹9,201	₹14,967	₹23,85,525
87	₹23,85,525	₹24,168	₹9,258	₹14,910	₹23,76,267
88	₹23,76,267	₹24,168	₹9,316	₹14,852	₹23,66,951
89	₹23,66,951	₹24,168	₹9,374	₹14,793	₹23,57,577
90	₹23,57,577	₹24,168	₹9,433	₹14,735	₹23,48,144
91	₹23,48,144	₹24,168	₹9,492	₹14,676	₹23,38,652
92	₹23,38,652	₹24,168	₹9,551	₹14,617	₹23,29,101
93	₹23,29,101	₹24,168	₹9,611	₹14,557	₹23,19,490
94	₹23,19,490	₹24,168	₹9,671	₹14,497	₹23,09,819
95	₹23,09,819	₹24,168	₹9,731	₹14,436	₹23,00,087
96	₹23,00,087	₹24,168	₹9,792	₹14,376	₹22,90,295
97	₹22,90,295	₹24,168	₹9,853	₹14,314	₹22,80,442
98	₹22,80,442	₹24,168	₹9,915	₹14,253	₹22,70,527
99	₹22,70,527	₹24,168	₹9,977	₹14,191	₹22,60,550
100	₹22,60,550	₹24,168	₹10,039	₹14,128	₹22,50,510
101	₹22,50,510	₹24,168	₹10,102	₹14,066	₹22,40,408
102	₹22,40,408	₹24,168	₹10,165	₹14,003	₹22,30,243
103	₹22,30,243	₹24,168	₹10,229	₹13,939	₹22,20,014
104	₹22,20,014	₹24,168	₹10,293	₹13,875	₹22,09,721
105	₹22,09,721	₹24,168	₹10,357	₹13,811	₹21,99,364
106	₹21,99,364	₹24,168	₹10,422	₹13,746	₹21,88,943
107	₹21,88,943	₹24,168	₹10,487	₹13,681	₹21,78,456
108	₹21,78,456	₹24,168	₹10,552	₹13,615	₹21,67,903
109	₹21,67,903	₹24,168	₹10,618	₹13,549	₹21,57,285
110	₹21,57,285	₹24,168	₹10,685	₹13,483	₹21,46,600
111	₹21,46,600	₹24,168	₹10,752	₹13,416	₹21,35,848
112	₹21,35,848	₹24,168	₹10,819	₹13,349	₹21,25,030
113	₹21,25,030	₹24,168	₹10,886	₹13,281	₹21,14,143
114	₹21,14,143	₹24,168	₹10,954	₹13,213	₹21,03,189
115	₹21,03,189	₹24,168	₹11,023	₹13,145	₹20,92,166
116	₹20,92,166	₹24,168	₹11,092	₹13,076	₹20,81,074
117	₹20,81,074	₹24,168	₹11,161	₹13,007	₹20,69,913
118	₹20,69,913	₹24,168	₹11,231	₹12,937	₹20,58,682
119	₹20,58,682	₹24,168	₹11,301	₹12,867	₹20,47,381
120	₹20,47,381	₹24,168	₹11,372	₹12,796	₹20,36,010
121	₹20,36,010	₹24,168	₹11,443	₹12,725	₹20,24,567
122	₹20,24,567	₹24,168	₹11,514	₹12,654	₹20,13,053
123	₹20,13,053	₹24,168	₹11,586	₹12,582	₹20,01,467
124	₹20,01,467	₹24,168	₹11,659	₹12,509	₹19,89,808
125	₹19,89,808	₹24,168	₹11,731	₹12,436	₹19,78,076
126	₹19,78,076	₹24,168	₹11,805	₹12,363	₹19,66,272
127	₹19,66,272	₹24,168	₹11,879	₹12,289	₹19,54,393
128	₹19,54,393	₹24,168	₹11,953	₹12,215	₹19,42,440
129	₹19,42,440	₹24,168	₹12,028	₹12,140	₹19,30,413
130	₹19,30,413	₹24,168	₹12,103	₹12,065	₹19,18,310
131	₹19,18,310	₹24,168	₹12,178	₹11,989	₹19,06,132
132	₹19,06,132	₹24,168	₹12,254	₹11,913	₹18,93,877
133	₹18,93,877	₹24,168	₹12,331	₹11,837	₹18,81,546
134	₹18,81,546	₹24,168	₹12,408	₹11,760	₹18,69,138
135	₹18,69,138	₹24,168	₹12,486	₹11,682	₹18,56,652
136	₹18,56,652	₹24,168	₹12,564	₹11,604	₹18,44,088
137	₹18,44,088	₹24,168	₹12,642	₹11,526	₹18,31,446
138	₹18,31,446	₹24,168	₹12,721	₹11,447	₹18,18,725
139	₹18,18,725	₹24,168	₹12,801	₹11,367	₹18,05,924
140	₹18,05,924	₹24,168	₹12,881	₹11,287	₹17,93,043
141	₹17,93,043	₹24,168	₹12,961	₹11,207	₹17,80,082
142	₹17,80,082	₹24,168	₹13,042	₹11,126	₹17,67,040
143	₹17,67,040	₹24,168	₹13,124	₹11,044	₹17,53,916
144	₹17,53,916	₹24,168	₹13,206	₹10,962	₹17,40,710
145	₹17,40,710	₹24,168	₹13,288	₹10,879	₹17,27,422
146	₹17,27,422	₹24,168	₹13,371	₹10,796	₹17,14,050
147	₹17,14,050	₹24,168	₹13,455	₹10,713	₹17,00,596
148	₹17,00,596	₹24,168	₹13,539	₹10,629	₹16,87,056
149	₹16,87,056	₹24,168	₹13,624	₹10,544	₹16,73,433
150	₹16,73,433	₹24,168	₹13,709	₹10,459	₹16,59,724
151	₹16,59,724	₹24,168	₹13,795	₹10,373	₹16,45,929
152	₹16,45,929	₹24,168	₹13,881	₹10,287	₹16,32,049
153	₹16,32,049	₹24,168	₹13,967	₹10,200	₹16,18,081
154	₹16,18,081	₹24,168	₹14,055	₹10,113	₹16,04,026
155	₹16,04,026	₹24,168	₹14,143	₹10,025	₹15,89,884
156	₹15,89,884	₹24,168	₹14,231	₹9,937	₹15,75,653
157	₹15,75,653	₹24,168	₹14,320	₹9,848	₹15,61,333
158	₹15,61,333	₹24,168	₹14,409	₹9,758	₹15,46,923
159	₹15,46,923	₹24,168	₹14,500	₹9,668	₹15,32,424
160	₹15,32,424	₹24,168	₹14,590	₹9,578	₹15,17,834
161	₹15,17,834	₹24,168	₹14,681	₹9,486	₹15,03,152
162	₹15,03,152	₹24,168	₹14,773	₹9,395	₹14,88,379
163	₹14,88,379	₹24,168	₹14,865	₹9,302	₹14,73,514
164	₹14,73,514	₹24,168	₹14,958	₹9,209	₹14,58,555
165	₹14,58,555	₹24,168	₹15,052	₹9,116	₹14,43,504
166	₹14,43,504	₹24,168	₹15,146	₹9,022	₹14,28,358
167	₹14,28,358	₹24,168	₹15,241	₹8,927	₹14,13,117
168	₹14,13,117	₹24,168	₹15,336	₹8,832	₹13,97,781
169	₹13,97,781	₹24,168	₹15,432	₹8,736	₹13,82,350
170	₹13,82,350	₹24,168	₹15,528	₹8,640	₹13,66,822
171	₹13,66,822	₹24,168	₹15,625	₹8,543	₹13,51,196
172	₹13,51,196	₹24,168	₹15,723	₹8,445	₹13,35,474
173	₹13,35,474	₹24,168	₹15,821	₹8,347	₹13,19,652
174	₹13,19,652	₹24,168	₹15,920	₹8,248	₹13,03,733
175	₹13,03,733	₹24,168	₹16,019	₹8,148	₹12,87,713
176	₹12,87,713	₹24,168	₹16,120	₹8,048	₹12,71,593
177	₹12,71,593	₹24,168	₹16,220	₹7,947	₹12,55,373
178	₹12,55,373	₹24,168	₹16,322	₹7,846	₹12,39,051
179	₹12,39,051	₹24,168	₹16,424	₹7,744	₹12,22,628
180	₹12,22,628	₹24,168	₹16,526	₹7,641	₹12,06,101
181	₹12,06,101	₹24,168	₹16,630	₹7,538	₹11,89,472
182	₹11,89,472	₹24,168	₹16,734	₹7,434	₹11,72,738
183	₹11,72,738	₹24,168	₹16,838	₹7,330	₹11,55,900
184	₹11,55,900	₹24,168	₹16,943	₹7,224	₹11,38,956
185	₹11,38,956	₹24,168	₹17,049	₹7,118	₹11,21,907
186	₹11,21,907	₹24,168	₹17,156	₹7,012	₹11,04,751
187	₹11,04,751	₹24,168	₹17,263	₹6,905	₹10,87,488
188	₹10,87,488	₹24,168	₹17,371	₹6,797	₹10,70,117
189	₹10,70,117	₹24,168	₹17,480	₹6,688	₹10,52,638
190	₹10,52,638	₹24,168	₹17,589	₹6,579	₹10,35,049
191	₹10,35,049	₹24,168	₹17,699	₹6,469	₹10,17,350
192	₹10,17,350	₹24,168	₹17,809	₹6,358	₹9,99,541
193	₹9,99,541	₹24,168	₹17,921	₹6,247	₹9,81,620
194	₹9,81,620	₹24,168	₹18,033	₹6,135	₹9,63,587
195	₹9,63,587	₹24,168	₹18,145	₹6,022	₹9,45,442
196	₹9,45,442	₹24,168	₹18,259	₹5,909	₹9,27,183
197	₹9,27,183	₹24,168	₹18,373	₹5,795	₹9,08,810
198	₹9,08,810	₹24,168	₹18,488	₹5,680	₹8,90,323
199	₹8,90,323	₹24,168	₹18,603	₹5,565	₹8,71,719
200	₹8,71,719	₹24,168	₹18,720	₹5,448	₹8,53,000
201	₹8,53,000	₹24,168	₹18,837	₹5,331	₹8,34,163
202	₹8,34,163	₹24,168	₹18,954	₹5,214	₹8,15,209
203	₹8,15,209	₹24,168	₹19,073	₹5,095	₹7,96,136
204	₹7,96,136	₹24,168	₹19,192	₹4,976	₹7,76,944
205	₹7,76,944	₹24,168	₹19,312	₹4,856	₹7,57,632
206	₹7,57,632	₹24,168	₹19,433	₹4,735	₹7,38,200
207	₹7,38,200	₹24,168	₹19,554	₹4,614	₹7,18,646
208	₹7,18,646	₹24,168	₹19,676	₹4,492	₹6,98,969
209	₹6,98,969	₹24,168	₹19,799	₹4,369	₹6,79,170
210	₹6,79,170	₹24,168	₹19,923	₹4,245	₹6,59,247
211	₹6,59,247	₹24,168	₹20,048	₹4,120	₹6,39,200
212	₹6,39,200	₹24,168	₹20,173	₹3,995	₹6,19,027
213	₹6,19,027	₹24,168	₹20,299	₹3,869	₹5,98,728
214	₹5,98,728	₹24,168	₹20,426	₹3,742	₹5,78,302
215	₹5,78,302	₹24,168	₹20,553	₹3,614	₹5,57,749
216	₹5,57,749	₹24,168	₹20,682	₹3,486	₹5,37,067
217	₹5,37,067	₹24,168	₹20,811	₹3,357	₹5,16,256
218	₹5,16,256	₹24,168	₹20,941	₹3,227	₹4,95,315
219	₹4,95,315	₹24,168	₹21,072	₹3,096	₹4,74,243
220	₹4,74,243	₹24,168	₹21,204	₹2,964	₹4,53,039
221	₹4,53,039	₹24,168	₹21,336	₹2,831	₹4,31,703
222	₹4,31,703	₹24,168	₹21,470	₹2,698	₹4,10,233
223	₹4,10,233	₹24,168	₹21,604	₹2,564	₹3,88,629
224	₹3,88,629	₹24,168	₹21,739	₹2,429	₹3,66,890
225	₹3,66,890	₹24,168	₹21,875	₹2,293	₹3,45,015
226	₹3,45,015	₹24,168	₹22,011	₹2,156	₹3,23,004
227	₹3,23,004	₹24,168	₹22,149	₹2,019	₹3,00,855
228	₹3,00,855	₹24,168	₹22,287	₹1,880	₹2,78,567
229	₹2,78,567	₹24,168	₹22,427	₹1,741	₹2,56,141
230	₹2,56,141	₹24,168	₹22,567	₹1,601	₹2,33,574
231	₹2,33,574	₹24,168	₹22,708	₹1,460	₹2,10,866
232	₹2,10,866	₹24,168	₹22,850	₹1,318	₹1,88,016
233	₹1,88,016	₹24,168	₹22,993	₹1,175	₹1,65,023
234	₹1,65,023	₹24,168	₹23,136	₹1,031	₹1,41,887
235	₹1,41,887	₹24,168	₹23,281	₹887	₹1,18,606
236	₹1,18,606	₹24,168	₹23,427	₹741	₹95,179
237	₹95,179	₹24,168	₹23,573	₹595	₹71,606
238	₹71,606	₹24,168	₹23,720	₹448	₹47,886
239	₹47,886	₹24,168	₹23,869	₹299	₹24,018
240	₹24,018	₹24,168	₹24,018	₹150	₹0

For this four-input comparison, the selected new tenure is applied to both loans. Actual savings depend on your current remaining tenure and all transfer costs.

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Who Can Apply?

Salaried

Eligibility commonly considers income, age, stability, credit history, existing obligations and repayment capacity. Exact criteria vary by lender.

Self-Employed Business

Eligibility commonly considers income, age, stability, credit history, existing obligations and repayment capacity. Exact criteria vary by lender.

Self-Employed Professional

Eligibility commonly considers income, age, stability, credit history, existing obligations and repayment capacity. Exact criteria vary by lender.

Loan Eligibility

Income and repayment capacity
Age and employment or business stability
Credit history and existing obligations
Requested amount and tenure
Property value and documents where secured

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Interest Rates

Interest rates vary by lender and applicant profile. They depend on credit history, loan amount, employment or business category, security, banking relationship and market conditions.

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Loan Tenure

Higher tenure
Lower monthly EMI
Higher total interest

Lower tenure
Higher monthly EMI
Lower total interest

Loan-to-Value / Funding

The percentage of a property's assessed value that a lender may finance depends on the property, loan category, borrower profile and applicable lender and regulatory policy. It is not a universal guaranteed percentage.

Documents Required

Salaried

• PAN and KYC
• Address proof
• Salary slips and bank statements
• Form 16 / income documents
• Employment proof
• Property documents where applicable

Self-Employed

• PAN and KYC
• Business proof and GST information where applicable
• Bank statements and ITR
• Profit & Loss and Balance Sheet
• Property/security documents where applicable
• Property documents where applicable

Final document requirements may vary by lender and applicant profile.

Fees & Charges

Possible costs include processing, documentation, valuation and legal charges where applicable, stamp duty, insurance where voluntarily or contractually applicable, and foreclosure or prepayment charges. Actual charges vary by lender and product.

Loan Process

STEP 1
Submit Requirement
STEP 2
Profile Review
STEP 3
Document Collection
STEP 4
Lender Selection / Application Login
STEP 5
Credit Assessment
STEP 6
Sanction
STEP 7
Disbursement

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FinanceGuru can help identify suitable participating lending options based on your profile. Maintained lender pricing is not currently available in a structured real-time source, so no fabricated rate table is shown.

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