Even a 0.5% rate reduction can save you ₹2–5 lakhs over a 15–20 year tenure. We check if a transfer is genuinely worth it for you.
Your current rate is meaningfully higher than what your CIBIL score qualifies you for today.
Your credit score has improved since you took the original loan.
More remaining tenure means more time for savings to compound.
Your current lender is slow or unresponsive to service requests.
You want to borrow more against the same property alongside the transfer.
Another lender offers meaningfully better terms for your current profile.
A balance transfer isn't free — it comes with processing fees, MODT, and other charges on the new loan. We calculate your exact savings after accounting for every one of these costs, so you only switch if it's genuinely worth it. Use our Balance Transfer Calculator to compare your current EMI against a new rate resolved from your CIBIL score.
Pick how you're employed to see the exact list — the full breakdown is on our Document Checklist page.
Compare your current EMI against a new rate in under a minute.
Calculate My Savings