How this calculation works
Compare the remaining cost of an existing home loan with a lower-rate transfer after fees. The result is calculated locally in your browser from the visible inputs, and the method below remains available for checking.
Worked example
A ₹40 lakh outstanding balance compares 9.5% with an 8.5% transfer after ₹25,000 of charges.
Assumptions and limits
- The rate remains unchanged and the transfer does not change the remaining tenure.
Questions people ask
How does the Home Loan Balance Transfer Calculator work?
It applies this displayed method: Current and new reducing-balance repayment costs use the same outstanding principal and remaining tenure. Net saving subtracts transfer fees from the repayment difference. Values stay in your browser and are not submitted to a server.
What should I check before using the Home loan transfer result?
The rate remains unchanged and the transfer does not change the remaining tenure. This is an estimate, not a lender quote. Rates, fees, rounding and repayment rules vary by agreement.
Does this Home loan transfer calculator save my information?
No. Calculation inputs are processed on this device. Sharing creates a URL only when you choose the share action.