Home Loan Balance Transfer Calculator

Compare your current home loan interest rate with top banks across India. Discover how much you can save by transferring your loan to a lower interest rate lender.

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Your Current Loan Details
₹1 Lakh₹5 Crore₹10 Crore+
5%12%18%+
1 Year15 Years30 Years
Your Potential Savings
💰 Total Interest You Can Save
₹ 0
By switching to the lowest interest rate bank
Current Monthly EMI
₹ 0
New Monthly EMI (After Transfer)
₹ 0
Total Interest (Current)
₹ 0
Total Interest (After Transfer)
₹ 0
Top Banks for Balance Transfer in India

Compare current home loan interest rates from India's leading public and private sector banks. Lowest ROI options are auto-recommended.

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Frequently Asked Questions About Home Loan Balance Transfer

What is a home loan balance transfer?
A home loan balance transfer allows you to transfer your existing home loan from your current bank to another bank offering a lower interest rate. This can significantly reduce your monthly EMI and total interest payout.
How much can I save with a balance transfer?
Your savings depend on the difference between your current interest rate and the new bank's rate, plus your remaining loan amount and tenure. Use our calculator above to see exact figures.
What are the costs involved in balance transfer?
Typically, processing fees range from 0.5% to 1% of the loan amount, plus legal and technical valuation fees. Many banks offer zero processing fee offers during festive seasons.
Is balance transfer beneficial for me?
If your current interest rate is 1% or more higher than available rates, and you have a substantial remaining tenure, balance transfer is highly recommended. Use our calculator to check your potential savings.
Which bank offers the lowest home loan interest rate?
Interest rates change frequently. Our calculator fetches live rates from top banks like SBI, HDFC, ICICI, Bank of Baroda, and more. The table above shows current lowest rates.

Data is refreshed daily from RBI-approved banks. This calculator provides estimates for informational purposes. Final loan terms are subject to bank approval and credit assessment.