Refinance Calculator

Compare staying on your current loan vs switching lenders, fees included, with a clear breakeven point.

Current loan & new offer

Outstanding balance

₹

Remaining tenure

Current interest rate

New offer interest rate

Processing fee

₹

Legal fees

₹

Balance transfer fee

₹

Should you switch?

Worth it

Net savings after fees

+₹4.92L

Current EMI₹41,769

New EMI₹38,922

Monthly EMI savings₹2,847

Breakeven8 motime for EMI savings to cover the switching cost

Total interest — stay₹35.18L

Total interest — refinance₹30.06L