Home-loan balance transfer: when is it worth it?

A balance transfer moves your outstanding loan to a new lender at a lower rate. The saving is biggest early in the tenure, when most of your EMI is interest.

Net it against costs: processing fees, legal/valuation charges, and any prepayment terms. Our balance-transfer calculator shows the monthly saving and the break-even point.

If the break-even is well within your remaining tenure, it usually pays off. We compare lower-rate lenders neutrally and hand a warm file over — at ₹0 fee to you.