Should you move your loan?
Compare a balance transfer to a new lender with every fee netted off, so you see the real saving and how long it takes to break even.
₹55.0L
₹
9.25%
% p.a.
8.35%
% p.a.
216 months
years
≈ ₹27,500
%
one-time, new lender
₹
Net saving from the transfer, over remaining tenure
₹6.28L
present value ≈ ₹3.41L · after ₹35,500 switching cost
- EMI before
- ₹52,367
- EMI after transfer
- ₹49,294
- Lower EMI each month
- ₹3,072
- Total switching cost
- − ₹35,500
- Break-even
- 12 months
- Net lifetime saving*
- ₹6.28L
You recover the switching cost in about 12 months, then keep saving for years. Before switching, we’d also check whether your current lender will simply match this with a reset. Less effort, same benefit.
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