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Balance Transfer Calculator
A lower rate is only worth it after fees. See what you truly save by moving your outstanding loan to a new lender.
₹45 L
9.5%
8.4%
15 years
₹15,000
Net saving after fees
₹5,14,238
- EMI drops by
- ₹2,940
- Current EMI
- ₹46,990
- New EMI
- ₹44,050
- Gross interest saved
- ₹5,29,238
- Transfer fee
- ₹15,000
- Net saving
- ₹5,14,238
Balance transfer pays off when net saving is clearly positive. Also weigh MODT charges, legal/valuation fees and time left on the loan.
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