Balance Transfer Savings Calculator

Compare the projected cost of continuing your current loan with a potential balance transfer.

Current Loan

Forty Lakh Rupees

Balance Transfer Assumptions

Enter your estimated one-time costs for completing the balance transfer.

Projected Net Savings
₹5,49,175
Monthly EMI Reduction₹3,106/month
Interest Saving₹5,59,175
Current Loan

15 years remaining

Current Monthly EMI:₹42,496
Remaining Interest Payable:₹36,49,300
Remaining Total Repayment:₹76,49,300
After Balance Transfer

15-year new tenure

Proposed Monthly EMI:₹39,390
New Interest Payable:₹30,90,125
Estimated Switching Costs:₹10,000
Total Cost After Transfer:₹71,00,125
Results are planning estimates based on the assumptions entered and are not a recommendation or guarantee of balance-transfer eligibility.
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Calculator Disclaimer: This calculator provides an indicative comparison based on the values you enter. Projected savings or additional cost depend on the outstanding loan amount, interest rates, remaining and new tenure, and the switching costs entered. Actual lender rates, fees, foreclosure or prepayment charges, legal or valuation costs, eligibility and other terms may differ. A lower monthly EMI does not necessarily mean a lower overall borrowing cost.