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FynnEdge Simplifying Loan, Amplifying Trust
Home Loan

Apply for a Home Loan for Balance Transfer

Using a Home Loan for Balance Transfer.

  • Min. interest rate

7.15%

Interest from

₹10 Crore

Loan up to

30 years

Tenure up to

Check Your Eligibility Home Loan overview

Get the funds you need Get up to ₹10 Crore starting at 7.15% p.a.

+91
₹

₹5,00,000 – ₹10,00,00,000

By submitting this form you agree to be contacted by FynnEdge about your Home Loan enquiry. Privacy Policy.

Balance Transfer of Home Loan

Moving your home loan from one lender to another can be beneficial for better repayment terms with Fynnedge.

Home Loan Balance Transfer is the process of transferring the current pending home loan amount from one lender to another that offers cheaper interest rates, grants an adequate time period to repay the loan, and offers better terms on the loan.

Interestingly, you will save money on the monthly EMI payments as well as on the total expense of the loan depending on its conditions. At Fynnedge, you can be assured that you will find and learn about your options as per your credit profile and your repayment requirements.

Home Loan for Balance Transfer EMI calculator

Estimate your monthly instalment and see the full year-by-year principal and interest breakdown.

₹

Maximum loan amount: ₹10,00,00,000

%

Lenders' published rates for Home Loan: 7.15%–22.08% p.a..

years

Maximum tenure: 30 years (360 months)

Monthly EMI

₹31,373

Total interest

₹35,29,551

Total payment

₹75,29,551

Indicative only — your actual EMI depends on the lender's exact rate and terms at sanction.

Principal vs. interest

  • Principal 53.1%
  • Interest 46.9%

Principal & interest paid per year

2026
2027
2028
2029
2030
2031
2032
2033
2034
2035
2036
2037
2038
2039
2040
2041
2042
2043
2044
2045

Time on the x-axis, amount repaid on the y-axis — early on leans toward interest, later on toward principal.

Full breakdown, starting this month

Assumes your first EMI falls this month — click a period to see every month within it.

Nov 2026 – Oct 2027 Principal paid₹93,502 Interest paid₹2,82,975 Total paid₹3,76,478
Month Principal paid Interest paid Total paid Balance remaining
Nov 2026 ₹7,540 ₹23,833 ₹31,373 ₹39,92,460
Dec 2026 ₹7,585 ₹23,788 ₹31,373 ₹39,84,875
Jan 2027 ₹7,630 ₹23,743 ₹31,373 ₹39,77,246
Feb 2027 ₹7,675 ₹23,698 ₹31,373 ₹39,69,570
Mar 2027 ₹7,721 ₹23,652 ₹31,373 ₹39,61,849
Apr 2027 ₹7,767 ₹23,606 ₹31,373 ₹39,54,082
May 2027 ₹7,813 ₹23,560 ₹31,373 ₹39,46,269
Jun 2027 ₹7,860 ₹23,513 ₹31,373 ₹39,38,409
Jul 2027 ₹7,907 ₹23,466 ₹31,373 ₹39,30,502
Aug 2027 ₹7,954 ₹23,419 ₹31,373 ₹39,22,548
Sep 2027 ₹8,001 ₹23,372 ₹31,373 ₹39,14,547
Oct 2027 ₹8,049 ₹23,324 ₹31,373 ₹39,06,498
Nov 2027 – Oct 2028 Principal paid₹1,00,411 Interest paid₹2,76,066 Total paid₹3,76,478
Month Principal paid Interest paid Total paid Balance remaining
Nov 2027 ₹8,097 ₹23,276 ₹31,373 ₹38,98,401
Dec 2027 ₹8,145 ₹23,228 ₹31,373 ₹38,90,256
Jan 2028 ₹8,194 ₹23,179 ₹31,373 ₹38,82,062
Feb 2028 ₹8,243 ₹23,131 ₹31,373 ₹38,73,819
Mar 2028 ₹8,292 ₹23,082 ₹31,373 ₹38,65,528
Apr 2028 ₹8,341 ₹23,032 ₹31,373 ₹38,57,187
May 2028 ₹8,391 ₹22,982 ₹31,373 ₹38,48,796
Jun 2028 ₹8,441 ₹22,932 ₹31,373 ₹38,40,355
Jul 2028 ₹8,491 ₹22,882 ₹31,373 ₹38,31,864
Aug 2028 ₹8,542 ₹22,832 ₹31,373 ₹38,23,323
Sep 2028 ₹8,593 ₹22,781 ₹31,373 ₹38,14,730
Oct 2028 ₹8,644 ₹22,729 ₹31,373 ₹38,06,087
Nov 2028 – Oct 2029 Principal paid₹1,07,831 Interest paid₹2,68,647 Total paid₹3,76,478
Month Principal paid Interest paid Total paid Balance remaining
Nov 2028 ₹8,695 ₹22,678 ₹31,373 ₹37,97,391
Dec 2028 ₹8,747 ₹22,626 ₹31,373 ₹37,88,644
Jan 2029 ₹8,799 ₹22,574 ₹31,373 ₹37,79,845
Feb 2029 ₹8,852 ₹22,522 ₹31,373 ₹37,70,994
Mar 2029 ₹8,904 ₹22,469 ₹31,373 ₹37,62,089
Apr 2029 ₹8,957 ₹22,416 ₹31,373 ₹37,53,132
May 2029 ₹9,011 ₹22,362 ₹31,373 ₹37,44,121
Jun 2029 ₹9,064 ₹22,309 ₹31,373 ₹37,35,057
Jul 2029 ₹9,118 ₹22,255 ₹31,373 ₹37,25,938
Aug 2029 ₹9,173 ₹22,200 ₹31,373 ₹37,16,766
Sep 2029 ₹9,227 ₹22,146 ₹31,373 ₹37,07,538
Oct 2029 ₹9,282 ₹22,091 ₹31,373 ₹36,98,256
Nov 2029 – Oct 2030 Principal paid₹1,15,798 Interest paid₹2,60,679 Total paid₹3,76,478
Month Principal paid Interest paid Total paid Balance remaining
Nov 2029 ₹9,338 ₹22,035 ₹31,373 ₹36,88,918
Dec 2029 ₹9,393 ₹21,980 ₹31,373 ₹36,79,525
Jan 2030 ₹9,449 ₹21,924 ₹31,373 ₹36,70,076
Feb 2030 ₹9,506 ₹21,868 ₹31,373 ₹36,60,570
Mar 2030 ₹9,562 ₹21,811 ₹31,373 ₹36,51,008
Apr 2030 ₹9,619 ₹21,754 ₹31,373 ₹36,41,389
May 2030 ₹9,677 ₹21,697 ₹31,373 ₹36,31,712
Jun 2030 ₹9,734 ₹21,639 ₹31,373 ₹36,21,978
Jul 2030 ₹9,792 ₹21,581 ₹31,373 ₹36,12,186
Aug 2030 ₹9,851 ₹21,523 ₹31,373 ₹36,02,335
Sep 2030 ₹9,909 ₹21,464 ₹31,373 ₹35,92,426
Oct 2030 ₹9,968 ₹21,405 ₹31,373 ₹35,82,458
Nov 2030 – Oct 2031 Principal paid₹1,24,355 Interest paid₹2,52,123 Total paid₹3,76,478
Month Principal paid Interest paid Total paid Balance remaining
Nov 2030 ₹10,028 ₹21,345 ₹31,373 ₹35,72,430
Dec 2030 ₹10,087 ₹21,286 ₹31,373 ₹35,62,343
Jan 2031 ₹10,148 ₹21,226 ₹31,373 ₹35,52,195
Feb 2031 ₹10,208 ₹21,165 ₹31,373 ₹35,41,987
Mar 2031 ₹10,269 ₹21,104 ₹31,373 ₹35,31,718
Apr 2031 ₹10,330 ₹21,043 ₹31,373 ₹35,21,388
May 2031 ₹10,392 ₹20,982 ₹31,373 ₹35,10,997
Jun 2031 ₹10,453 ₹20,920 ₹31,373 ₹35,00,543
Jul 2031 ₹10,516 ₹20,857 ₹31,373 ₹34,90,028
Aug 2031 ₹10,578 ₹20,795 ₹31,373 ₹34,79,449
Sep 2031 ₹10,641 ₹20,732 ₹31,373 ₹34,68,808
Oct 2031 ₹10,705 ₹20,668 ₹31,373 ₹34,58,103
Nov 2031 – Oct 2032 Principal paid₹1,33,543 Interest paid₹2,42,934 Total paid₹3,76,478
Month Principal paid Interest paid Total paid Balance remaining
Nov 2031 ₹10,769 ₹20,605 ₹31,373 ₹34,47,335
Dec 2031 ₹10,833 ₹20,540 ₹31,373 ₹34,36,502
Jan 2032 ₹10,897 ₹20,476 ₹31,373 ₹34,25,604
Feb 2032 ₹10,962 ₹20,411 ₹31,373 ₹34,14,642
Mar 2032 ₹11,028 ₹20,346 ₹31,373 ₹34,03,615
Apr 2032 ₹11,093 ₹20,280 ₹31,373 ₹33,92,521
May 2032 ₹11,159 ₹20,214 ₹31,373 ₹33,81,362
Jun 2032 ₹11,226 ₹20,147 ₹31,373 ₹33,70,136
Jul 2032 ₹11,293 ₹20,080 ₹31,373 ₹33,58,843
Aug 2032 ₹11,360 ₹20,013 ₹31,373 ₹33,47,483
Sep 2032 ₹11,428 ₹19,945 ₹31,373 ₹33,36,056
Oct 2032 ₹11,496 ₹19,877 ₹31,373 ₹33,24,560
Nov 2032 – Oct 2033 Principal paid₹1,43,411 Interest paid₹2,33,067 Total paid₹3,76,478
Month Principal paid Interest paid Total paid Balance remaining
Nov 2032 ₹11,564 ₹19,809 ₹31,373 ₹33,12,996
Dec 2032 ₹11,633 ₹19,740 ₹31,373 ₹33,01,362
Jan 2033 ₹11,703 ₹19,671 ₹31,373 ₹32,89,660
Feb 2033 ₹11,772 ₹19,601 ₹31,373 ₹32,77,888
Mar 2033 ₹11,842 ₹19,531 ₹31,373 ₹32,66,045
Apr 2033 ₹11,913 ₹19,460 ₹31,373 ₹32,54,132
May 2033 ₹11,984 ₹19,389 ₹31,373 ₹32,42,148
Jun 2033 ₹12,055 ₹19,318 ₹31,373 ₹32,30,093
Jul 2033 ₹12,127 ₹19,246 ₹31,373 ₹32,17,966
Aug 2033 ₹12,199 ₹19,174 ₹31,373 ₹32,05,767
Sep 2033 ₹12,272 ₹19,101 ₹31,373 ₹31,93,494
Oct 2033 ₹12,345 ₹19,028 ₹31,373 ₹31,81,149
Nov 2033 – Oct 2034 Principal paid₹1,54,007 Interest paid₹2,22,470 Total paid₹3,76,478
Month Principal paid Interest paid Total paid Balance remaining
Nov 2033 ₹12,419 ₹18,954 ₹31,373 ₹31,68,730
Dec 2033 ₹12,493 ₹18,880 ₹31,373 ₹31,56,238
Jan 2034 ₹12,567 ₹18,806 ₹31,373 ₹31,43,670
Feb 2034 ₹12,642 ₹18,731 ₹31,373 ₹31,31,028
Mar 2034 ₹12,717 ₹18,656 ₹31,373 ₹31,18,311
Apr 2034 ₹12,793 ₹18,580 ₹31,373 ₹31,05,518
May 2034 ₹12,869 ₹18,504 ₹31,373 ₹30,92,648
Jun 2034 ₹12,946 ₹18,427 ₹31,373 ₹30,79,702
Jul 2034 ₹13,023 ₹18,350 ₹31,373 ₹30,66,679
Aug 2034 ₹13,101 ₹18,272 ₹31,373 ₹30,53,578
Sep 2034 ₹13,179 ₹18,194 ₹31,373 ₹30,40,399
Oct 2034 ₹13,257 ₹18,116 ₹31,373 ₹30,27,142
Nov 2034 – Oct 2035 Principal paid₹1,65,387 Interest paid₹2,11,091 Total paid₹3,76,478
Month Principal paid Interest paid Total paid Balance remaining
Nov 2034 ₹13,336 ₹18,037 ₹31,373 ₹30,13,805
Dec 2034 ₹13,416 ₹17,957 ₹31,373 ₹30,00,390
Jan 2035 ₹13,496 ₹17,877 ₹31,373 ₹29,86,894
Feb 2035 ₹13,576 ₹17,797 ₹31,373 ₹29,73,318
Mar 2035 ₹13,657 ₹17,716 ₹31,373 ₹29,59,660
Apr 2035 ₹13,738 ₹17,635 ₹31,373 ₹29,45,922
May 2035 ₹13,820 ₹17,553 ₹31,373 ₹29,32,102
Jun 2035 ₹13,903 ₹17,470 ₹31,373 ₹29,18,199
Jul 2035 ₹13,986 ₹17,388 ₹31,373 ₹29,04,213
Aug 2035 ₹14,069 ₹17,304 ₹31,373 ₹28,90,145
Sep 2035 ₹14,153 ₹17,220 ₹31,373 ₹28,75,992
Oct 2035 ₹14,237 ₹17,136 ₹31,373 ₹28,61,755
Nov 2035 – Oct 2036 Principal paid₹1,77,608 Interest paid₹1,98,870 Total paid₹3,76,478
Month Principal paid Interest paid Total paid Balance remaining
Nov 2035 ₹14,322 ₹17,051 ₹31,373 ₹28,47,433
Dec 2035 ₹14,407 ₹16,966 ₹31,373 ₹28,33,026
Jan 2036 ₹14,493 ₹16,880 ₹31,373 ₹28,18,533
Feb 2036 ₹14,579 ₹16,794 ₹31,373 ₹28,03,953
Mar 2036 ₹14,666 ₹16,707 ₹31,373 ₹27,89,287
Apr 2036 ₹14,754 ₹16,620 ₹31,373 ₹27,74,534
May 2036 ₹14,842 ₹16,532 ₹31,373 ₹27,59,692
Jun 2036 ₹14,930 ₹16,443 ₹31,373 ₹27,44,762
Jul 2036 ₹15,019 ₹16,354 ₹31,373 ₹27,29,743
Aug 2036 ₹15,108 ₹16,265 ₹31,373 ₹27,14,635
Sep 2036 ₹15,198 ₹16,175 ₹31,373 ₹26,99,436
Oct 2036 ₹15,289 ₹16,084 ₹31,373 ₹26,84,147
Nov 2036 – Oct 2037 Principal paid₹1,90,731 Interest paid₹1,85,747 Total paid₹3,76,478
Month Principal paid Interest paid Total paid Balance remaining
Nov 2036 ₹15,380 ₹15,993 ₹31,373 ₹26,68,767
Dec 2036 ₹15,472 ₹15,901 ₹31,373 ₹26,53,295
Jan 2037 ₹15,564 ₹15,809 ₹31,373 ₹26,37,732
Feb 2037 ₹15,657 ₹15,716 ₹31,373 ₹26,22,075
Mar 2037 ₹15,750 ₹15,623 ₹31,373 ₹26,06,325
Apr 2037 ₹15,844 ₹15,529 ₹31,373 ₹25,90,481
May 2037 ₹15,938 ₹15,435 ₹31,373 ₹25,74,543
Jun 2037 ₹16,033 ₹15,340 ₹31,373 ₹25,58,510
Jul 2037 ₹16,129 ₹15,244 ₹31,373 ₹25,42,381
Aug 2037 ₹16,225 ₹15,148 ₹31,373 ₹25,26,156
Sep 2037 ₹16,321 ₹15,052 ₹31,373 ₹25,09,835
Oct 2037 ₹16,419 ₹14,954 ₹31,373 ₹24,93,416
Nov 2037 – Oct 2038 Principal paid₹2,04,824 Interest paid₹1,71,653 Total paid₹3,76,478
Month Principal paid Interest paid Total paid Balance remaining
Nov 2037 ₹16,517 ₹14,857 ₹31,373 ₹24,76,900
Dec 2037 ₹16,615 ₹14,758 ₹31,373 ₹24,60,285
Jan 2038 ₹16,714 ₹14,659 ₹31,373 ₹24,43,571
Feb 2038 ₹16,814 ₹14,560 ₹31,373 ₹24,26,757
Mar 2038 ₹16,914 ₹14,459 ₹31,373 ₹24,09,844
Apr 2038 ₹17,014 ₹14,359 ₹31,373 ₹23,92,829
May 2038 ₹17,116 ₹14,257 ₹31,373 ₹23,75,713
Jun 2038 ₹17,218 ₹14,155 ₹31,373 ₹23,58,496
Jul 2038 ₹17,320 ₹14,053 ₹31,373 ₹23,41,175
Aug 2038 ₹17,424 ₹13,950 ₹31,373 ₹23,23,751
Sep 2038 ₹17,527 ₹13,846 ₹31,373 ₹23,06,224
Oct 2038 ₹17,632 ₹13,741 ₹31,373 ₹22,88,592
Nov 2038 – Oct 2039 Principal paid₹2,19,959 Interest paid₹1,56,519 Total paid₹3,76,478
Month Principal paid Interest paid Total paid Balance remaining
Nov 2038 ₹17,737 ₹13,636 ₹31,373 ₹22,70,855
Dec 2038 ₹17,843 ₹13,531 ₹31,373 ₹22,53,013
Jan 2039 ₹17,949 ₹13,424 ₹31,373 ₹22,35,064
Feb 2039 ₹18,056 ₹13,317 ₹31,373 ₹22,17,008
Mar 2039 ₹18,163 ₹13,210 ₹31,373 ₹21,98,844
Apr 2039 ₹18,272 ₹13,101 ₹31,373 ₹21,80,573
May 2039 ₹18,381 ₹12,993 ₹31,373 ₹21,62,192
Jun 2039 ₹18,490 ₹12,883 ₹31,373 ₹21,43,702
Jul 2039 ₹18,600 ₹12,773 ₹31,373 ₹21,25,102
Aug 2039 ₹18,711 ₹12,662 ₹31,373 ₹21,06,391
Sep 2039 ₹18,823 ₹12,551 ₹31,373 ₹20,87,568
Oct 2039 ₹18,935 ₹12,438 ₹31,373 ₹20,68,633
Nov 2039 – Oct 2040 Principal paid₹2,36,211 Interest paid₹1,40,266 Total paid₹3,76,478
Month Principal paid Interest paid Total paid Balance remaining
Nov 2039 ₹19,048 ₹12,326 ₹31,373 ₹20,49,586
Dec 2039 ₹19,161 ₹12,212 ₹31,373 ₹20,30,425
Jan 2040 ₹19,275 ₹12,098 ₹31,373 ₹20,11,150
Feb 2040 ₹19,390 ₹11,983 ₹31,373 ₹19,91,760
Mar 2040 ₹19,506 ₹11,868 ₹31,373 ₹19,72,254
Apr 2040 ₹19,622 ₹11,751 ₹31,373 ₹19,52,632
May 2040 ₹19,739 ₹11,634 ₹31,373 ₹19,32,894
Jun 2040 ₹19,856 ₹11,517 ₹31,373 ₹19,13,037
Jul 2040 ₹19,975 ₹11,399 ₹31,373 ₹18,93,063
Aug 2040 ₹20,094 ₹11,280 ₹31,373 ₹18,72,969
Sep 2040 ₹20,213 ₹11,160 ₹31,373 ₹18,52,756
Oct 2040 ₹20,334 ₹11,039 ₹31,373 ₹18,32,422
Nov 2040 – Oct 2041 Principal paid₹2,53,665 Interest paid₹1,22,812 Total paid₹3,76,478
Month Principal paid Interest paid Total paid Balance remaining
Nov 2040 ₹20,455 ₹10,918 ₹31,373 ₹18,11,967
Dec 2040 ₹20,577 ₹10,796 ₹31,373 ₹17,91,390
Jan 2041 ₹20,699 ₹10,674 ₹31,373 ₹17,70,691
Feb 2041 ₹20,823 ₹10,550 ₹31,373 ₹17,49,868
Mar 2041 ₹20,947 ₹10,426 ₹31,373 ₹17,28,921
Apr 2041 ₹21,072 ₹10,301 ₹31,373 ₹17,07,850
May 2041 ₹21,197 ₹10,176 ₹31,373 ₹16,86,652
Jun 2041 ₹21,323 ₹10,050 ₹31,373 ₹16,65,329
Jul 2041 ₹21,451 ₹9,923 ₹31,373 ₹16,43,878
Aug 2041 ₹21,578 ₹9,795 ₹31,373 ₹16,22,300
Sep 2041 ₹21,707 ₹9,666 ₹31,373 ₹16,00,593
Oct 2041 ₹21,836 ₹9,537 ₹31,373 ₹15,78,757
Nov 2041 – Oct 2042 Principal paid₹2,72,409 Interest paid₹1,04,069 Total paid₹3,76,478
Month Principal paid Interest paid Total paid Balance remaining
Nov 2041 ₹21,966 ₹9,407 ₹31,373 ₹15,56,790
Dec 2041 ₹22,097 ₹9,276 ₹31,373 ₹15,34,693
Jan 2042 ₹22,229 ₹9,144 ₹31,373 ₹15,12,464
Feb 2042 ₹22,361 ₹9,012 ₹31,373 ₹14,90,103
Mar 2042 ₹22,495 ₹8,879 ₹31,373 ₹14,67,608
Apr 2042 ₹22,629 ₹8,745 ₹31,373 ₹14,44,980
May 2042 ₹22,763 ₹8,610 ₹31,373 ₹14,22,216
Jun 2042 ₹22,899 ₹8,474 ₹31,373 ₹13,99,317
Jul 2042 ₹23,036 ₹8,338 ₹31,373 ₹13,76,282
Aug 2042 ₹23,173 ₹8,200 ₹31,373 ₹13,53,109
Sep 2042 ₹23,311 ₹8,062 ₹31,373 ₹13,29,798
Oct 2042 ₹23,450 ₹7,923 ₹31,373 ₹13,06,348
Nov 2042 – Oct 2043 Principal paid₹2,92,537 Interest paid₹83,941 Total paid₹3,76,478
Month Principal paid Interest paid Total paid Balance remaining
Nov 2042 ₹23,589 ₹7,784 ₹31,373 ₹12,82,759
Dec 2042 ₹23,730 ₹7,643 ₹31,373 ₹12,59,029
Jan 2043 ₹23,871 ₹7,502 ₹31,373 ₹12,35,157
Feb 2043 ₹24,014 ₹7,359 ₹31,373 ₹12,11,144
Mar 2043 ₹24,157 ₹7,216 ₹31,373 ₹11,86,987
Apr 2043 ₹24,301 ₹7,072 ₹31,373 ₹11,62,686
May 2043 ₹24,445 ₹6,928 ₹31,373 ₹11,38,241
Jun 2043 ₹24,591 ₹6,782 ₹31,373 ₹11,13,650
Jul 2043 ₹24,738 ₹6,636 ₹31,373 ₹10,88,912
Aug 2043 ₹24,885 ₹6,488 ₹31,373 ₹10,64,027
Sep 2043 ₹25,033 ₹6,340 ₹31,373 ₹10,38,994
Oct 2043 ₹25,182 ₹6,191 ₹31,373 ₹10,13,811
Nov 2043 – Oct 2044 Principal paid₹3,14,153 Interest paid₹62,325 Total paid₹3,76,478
Month Principal paid Interest paid Total paid Balance remaining
Nov 2043 ₹25,333 ₹6,041 ₹31,373 ₹9,88,479
Dec 2043 ₹25,483 ₹5,890 ₹31,373 ₹9,62,995
Jan 2044 ₹25,635 ₹5,738 ₹31,373 ₹9,37,360
Feb 2044 ₹25,788 ₹5,585 ₹31,373 ₹9,11,572
Mar 2044 ₹25,942 ₹5,431 ₹31,373 ₹8,85,630
Apr 2044 ₹26,096 ₹5,277 ₹31,373 ₹8,59,534
May 2044 ₹26,252 ₹5,121 ₹31,373 ₹8,33,282
Jun 2044 ₹26,408 ₹4,965 ₹31,373 ₹8,06,874
Jul 2044 ₹26,566 ₹4,808 ₹31,373 ₹7,80,309
Aug 2044 ₹26,724 ₹4,649 ₹31,373 ₹7,53,585
Sep 2044 ₹26,883 ₹4,490 ₹31,373 ₹7,26,702
Oct 2044 ₹27,043 ₹4,330 ₹31,373 ₹6,99,659
Nov 2044 – Oct 2045 Principal paid₹3,37,365 Interest paid₹39,112 Total paid₹3,76,478
Month Principal paid Interest paid Total paid Balance remaining
Nov 2044 ₹27,204 ₹4,169 ₹31,373 ₹6,72,454
Dec 2044 ₹27,366 ₹4,007 ₹31,373 ₹6,45,088
Jan 2045 ₹27,529 ₹3,844 ₹31,373 ₹6,17,558
Feb 2045 ₹27,694 ₹3,680 ₹31,373 ₹5,89,865
Mar 2045 ₹27,859 ₹3,515 ₹31,373 ₹5,62,006
Apr 2045 ₹28,025 ₹3,349 ₹31,373 ₹5,33,982
May 2045 ₹28,191 ₹3,182 ₹31,373 ₹5,05,790
Jun 2045 ₹28,359 ₹3,014 ₹31,373 ₹4,77,431
Jul 2045 ₹28,528 ₹2,845 ₹31,373 ₹4,48,902
Aug 2045 ₹28,698 ₹2,675 ₹31,373 ₹4,20,204
Sep 2045 ₹28,869 ₹2,504 ₹31,373 ₹3,91,335
Oct 2045 ₹29,041 ₹2,332 ₹31,373 ₹3,62,293
Nov 2045 – Oct 2046 Principal paid₹3,62,293 Interest paid₹14,184 Total paid₹3,76,477
Month Principal paid Interest paid Total paid Balance remaining
Nov 2045 ₹29,214 ₹2,159 ₹31,373 ₹3,33,079
Dec 2045 ₹29,389 ₹1,985 ₹31,373 ₹3,03,690
Jan 2046 ₹29,564 ₹1,809 ₹31,373 ₹2,74,127
Feb 2046 ₹29,740 ₹1,633 ₹31,373 ₹2,44,387
Mar 2046 ₹29,917 ₹1,456 ₹31,373 ₹2,14,470
Apr 2046 ₹30,095 ₹1,278 ₹31,373 ₹1,84,374
May 2046 ₹30,275 ₹1,099 ₹31,373 ₹1,54,100
Jun 2046 ₹30,455 ₹918 ₹31,373 ₹1,23,645
Jul 2046 ₹30,636 ₹737 ₹31,373 ₹93,009
Aug 2046 ₹30,819 ₹554 ₹31,373 ₹62,190
Sep 2046 ₹31,003 ₹371 ₹31,373 ₹31,187
Oct 2046 ₹31,187 ₹186 ₹31,373 ₹0
Balance remaining after the last month of each period shown above.

Lenders offering this product

Compare lenders side by side

Tick up to 4 lenders to compare them head to head, or apply with any lender directly.

Lenders compared
28
Rates from
7.15% p.a.
Loan up to
₹40 Crore
Tenure up to
35 yrs
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Lender Interest rate Loan amount Tenure Processing fee Eligibility Apply
Indian Bank logo
Indian Bank Bank
Lowest rate

Interest rate

7.15% – 8.55%

p.a.

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹1 Lakh – ₹10 Crore

Tenure

1–30 yrs

Processing fee

₹1,500–₹5,000 + GST

Fee details

IB Home Loan (residents): flat Rs1,500 + GST up to Rs25 lakh; Rs2,500 (Rs25-75 lakh); Rs5,000 above Rs75 lakh (w.e.f. 02.01.2025). ROI 7.15-8.55% (rate card 10.09.2026); Home Loan Plus 7.65-8.75%; age 18-70

Eligibility

  • Age 18–70 yrs
  • Min. income ₹0/mo
  • 24+ months in current employment/business
  • Salaried or Self-employed
Apply Now
LIC Housing Finance NBFC / HFC
Lowest rate

Interest rate

7.15% – 10.15%

p.a.

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹1 Lakh – ₹15 Crore

Tenure

1–30 yrs

Processing fee

₹10,000–₹50,000 + GST

Fee details

Q1 FY27 contracted range 7.15%-11.00% across Griha Prakash/Suvidha/Sugam schemes (7.15% needs CIBIL 825+); PF up to 0.50% min Rs 10,000 max Rs 50,000 + GST; tenure 30 yrs salaried / 25 yrs self-employed

Eligibility

  • Age 21–70 yrs
  • Min. income ₹0/mo
  • Salaried or Self-employed
Apply Now
Bajaj Finance logo
Bajaj Finance NBFC / HFC

Interest rate

7.25% – 20.00%

p.a.

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹1 Lakh – ₹15 Crore

Tenure

5–32 yrs

Processing fee

₹4,000–₹6,000,000 + GST

Fee details

Processing fee described as nominal (not published as %); salaried from 7.25%, self-employed from 7.70%, doctors from 7.30%; bounce charge slabs Rs 500-10,000; min tenure 5 yrs

Eligibility

  • Age 23–70 yrs
  • Min. income ₹25,000/mo
  • Credit score 725+
  • 36+ months in current employment/business
  • Salaried or Self-employed
Apply Now
UCO Bank Bank

Interest rate

7.40% – 9.50%

p.a.

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹1 Lakh – ₹10 Crore

Tenure

1–30 yrs

Processing fee

₹1,500–₹15,000 + GST

Fee details

0.5% of loan amt, min Rs1,500 max Rs15,000 + GST; 100% waiver for STP / 50% for offline sanctions (offer to 31.03.2026) and festive 100% waiver on processing & documentation. Floating RLLR-linked; 0.05% concession for women

Eligibility

  • Age 21–75 yrs
  • Min. income ₹0/mo
  • Salaried or Self-employed
Apply Now
Indian Overseas Bank Bank

Interest rate

7.45% – 8.55%

p.a.

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹1 Lakh – ₹10 Crore

Tenure

1–30 yrs

Processing fee

₹500–₹25,000 + GST

Fee details

Subhagruha: ROI RLLR-linked by CIC score, 7.20% (CIC-1 >=800 salaried) to 8.30% (CIC-6 680-699 non-salaried), RLLR 8.10% w.e.f. 15.12.2025; max entry age 55 (60 with co-obligant), repaid by 70

Eligibility

  • Age 21–70 yrs
  • Min. income ₹0/mo
  • 24+ months in current employment/business
  • Salaried or Self-employed
Apply Now
Federal Bank logo
Federal Bank Bank

Interest rate

7.50% – 9.25%

p.a.

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹1 Lakh – ₹15 Crore

Tenure

1–30 yrs

Processing fee

₹3,000–₹7,500

Fee details

Repo-linked floating (term loan 7.35%-9.50%, OD 7.45%-9.60%); loans below Rs 35 lakh attract +1%; PF up to 0.5% (min Rs 3,000 max Rs 7,500)

Eligibility

  • Age 21–70 yrs
  • Min. income ₹0/mo
  • Credit score 750+
  • Salaried or Self-employed
Apply Now
PNB Housing Finance logo
PNB Housing Finance NBFC / HFC

Interest rate

7.50% – 10.05%

p.a.

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹1 Lakh – ₹10 Crore

Tenure

1–30 yrs

Processing fee

₹10,000–₹1,000,000 + GST

Fee details

Floating 7.50%-10.05% by CIBIL band/loan slab (salaried lowest; non-salaried +0.25-0.30%); fixed 14.75%; PF 1% + GST min Rs 10,000; LTV up to 90%

Eligibility

  • Age 21–70 yrs
  • Min. income ₹15,000/mo
  • Credit score 611+
  • 36+ months in current employment/business
  • Salaried or Self-employed
Apply Now
Kotak Mahindra Bank logo
Kotak Mahindra Bank Bank
Highest amount

Interest rate

7.70% – 12.00%

p.a.

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹1 Lakh – ₹40 Crore

Tenure

1–25 yrs

Processing fee

₹5,000–₹8,000,000 + GST

Fee details

Up to 2% of loan + taxes (₹5,000 non-refundable upfront at login); floating from 7.60% (Repo 5.25%); up to 90% LTV; salaried 18-60, self-employed 18-65; min income ₹20,000 metro / ₹15,000 other

Eligibility

  • Age 18–65 yrs
  • Min. income ₹15,000/mo
  • Salaried or Self-employed
Apply Now
Aditya Birla Finance logo
Aditya Birla Finance NBFC / HFC

Interest rate

7.75%

p.a. onwards

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹20 Lakh – ₹10 Crore

Tenure

1–30 yrs

Processing fee

₹20,000–₹1,000,000 + GST

Fee details

Aditya Birla Housing Finance: Prime HL 7.75% (salaried) / 8.00% (self-employed); Pragati affordable 9.75%-10.25%; Aashiyana 10.20%-10.45%; PF up to 1%; LTV up to 90%

Eligibility

  • Age 21–70 yrs
  • Min. income ₹0/mo
  • Credit score 650+
  • Salaried or Self-employed
Apply Now
IDFC FIRST Bank logo
IDFC FIRST Bank Bank

Interest rate

7.75%

p.a. onwards

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹5 Lakh – ₹10 Crore

Tenure

1–32 yrs

Processing fee

₹15,000–₹3,000,000 + GST

Fee details

Up to 3% of sanctioned amount + GST; salaried from 8.85% / self-employed from 9.25%

Eligibility

  • Age 21–70 yrs
  • Min. income ₹8,333/mo
  • 36+ months in current employment/business
  • Salaried or Self-employed
Apply Now
L&T Finance logo
L&T Finance NBFC / HFC

Interest rate

7.75%

p.a. onwards

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹20 Lakh – ₹10 Crore

Tenure

3–30 yrs

Processing fee

₹5,000–₹3,000,000 + GST

Fee details

PF up to 3% of sanctioned amount + taxes; login fee up to Rs 5,000 incl. taxes; LTV up to 90%; min PF 0.25% + taxes

Eligibility

  • Age 23–70 yrs
  • Min. income ₹0/mo
  • Salaried or Self-employed
Apply Now
Axis Bank Bank

Interest rate

8.00% – 9.10%

p.a.

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹3 Lakh – ₹5 Crore

Tenure

1–30 yrs

Processing fee

₹10,000–₹500,000 + GST

Fee details

Up to 1% of loan or ₹10,000 whichever higher + GST (₹5,000 upfront at login); floating Repo + 2.75%-3.85% = 8.00%-9.10% by CIBIL; fixed 14%; ASHA HL 10.15%-11.90%

Eligibility

  • Age 21–65 yrs
  • Min. income ₹0/mo
  • Salaried or Self-employed
Apply Now
HDFC Bank Bank

Interest rate

8.00% – 13.45%

p.a.

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹15 Lakh – ₹10 Crore

Tenure

1–30 yrs

Processing fee

₹3,000–₹500,000 + GST

Fee details

Up to 0.50% of loan or ₹3,000 whichever higher + taxes; floating = Repo 5.25% + 2.50%-7.95% for salaried & self-employed

Eligibility

  • Age 18–70 yrs
  • Min. income ₹10,000/mo
  • Salaried or Self-employed
Apply Now
Tata Capital logo
Tata Capital NBFC / HFC

Interest rate

8.00% – 13.00%

p.a.

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹5 Lakh – ₹7.5 Crore

Tenure

5–30 yrs

Processing fee

₹5,000–₹10,000 + GST

Fee details

PF up to 3% + GST

Eligibility

  • Age 21–65 yrs
  • Min. income ₹30,000/mo
  • Credit score 750+
  • 24+ months in current employment/business
  • Salaried or Self-employed
Apply Now
Bandhan Bank Bank

Interest rate

8.80% – 13.77%

p.a.

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹1 Lakh – ₹10 Crore

Tenure

1–30 yrs

Processing fee

₹4,000–₹1,000,000 + GST

Fee details

Login fee up to Rs 4,000 + PF nil-1.00% + admin fee 0.25%-2.00% depending on scheme, all + GST; RLLR 5.25% w.e.f. 01-Jan-2026

Eligibility

  • Age 23–65 yrs
  • Min. income ₹0/mo
  • Salaried or Self-employed
Apply Now
RBL Bank logo
RBL Bank Bank

Interest rate

9.00%

p.a. onwards

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹1 Lakh – ₹15 Crore

Tenure

1–30 yrs

Processing fee

₹10,000–₹1,875,000 + GST

Fee details

1.25% of loan amount; hybrid fixed (37/60 months) then repo-linked floating; LTV 90%/80%/75% by ticket size; PB: up to 1.5%/Rs 10k (<=30L), 1%/Rs 15k (>30L)

Eligibility

  • Age 21–65 yrs
  • Min. income ₹15,000/mo
  • 36+ months in current employment/business
  • Salaried or Self-employed
Apply Now
City Union Bank Bank

Interest rate

9.15% – 14.75%

p.a.

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹1 Lakh – ₹7.5 Crore

Tenure

1–30 yrs

Processing fee

₹350–₹150,000 + GST

Fee details

Floating by bureau score & ticket: Affordable 0.35%+GST, Prime 0.25%+GST, Premium 0.20%+GST; fixed-rate option 8.35%-10.35%; ticket up to Rs 7.5 Cr; CUB DSA programme

Eligibility

  • Age 21–60 yrs
  • Min. income ₹0/mo
  • 24+ months in current employment/business
  • Salaried or Self-employed
Apply Now
SMFG India Credit NBFC / HFC

Interest rate

9.25%

p.a. onwards

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹1 Lakh – ₹1 Crore

Tenure

1–30 yrs

Processing fee

₹3,000–₹300,000 + GST

Fee details

Via SMFG Grihashakti (SMFG India Home Finance); salaried from 9.25%, self-employed from 9.75%; PF up to 3%; LTV up to 90%; Q1 FY27 housing ROI range 9.35%-16% (official); charges exclusive of GST

Eligibility

  • Age 21–65 yrs
  • Min. income ₹0/mo
  • Credit score 700+
  • Salaried or Self-employed
Apply Now
IIFL Finance logo
IIFL Finance NBFC / HFC

Interest rate

9.45%

p.a. onwards

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹2 Lakh – ₹2 Crore

Tenure

2–30 yrs

Processing fee

₹3,500–₹350,000 + GST

Fee details

Via IIFL Home Finance Ltd; PF up to 1.75%; PLR 16.85%; upper rate from official EMI calculator range; no prepayment penalty for individuals

Eligibility

  • Age 18–75 yrs
  • Min. income ₹25,000/mo
  • Credit score 660+
  • Salaried or Self-employed
Apply Now
DCB Bank logo
DCB Bank Bank

Interest rate

9.75% – 14.50%

p.a.

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹2 Lakh – ₹5 Crore

Tenure

1–25 yrs

Processing fee

₹5,000–₹1,000,000 + GST

Fee details

Up to 2% or Rs 5,000 whichever higher + GST; fixed and floating options; LTV up to 90% below Rs 20 lakh

Eligibility

  • Age 21–65 yrs
  • Min. income ₹25,000/mo
  • Credit score 700+
  • 12+ months in current employment/business
  • Salaried or Self-employed
Apply Now
Piramal Finance logo
Piramal Finance NBFC / HFC

Interest rate

9.99%

p.a. onwards

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹3 Lakh – ₹2 Crore

Tenure

1–30 yrs

Processing fee

₹9,000–₹1,000,000 + GST

Fee details

Up to 5% of loan amount + taxes; fixed-rate prepayment 2%; up to 90% of purchase price; max rate per quarterly disclosure

Eligibility

  • Age 21–70 yrs
  • Min. income ₹12,000/mo
  • Salaried or Self-employed
Apply Now
Cholamandalam Finance logo
Cholamandalam Finance NBFC / HFC

Interest rate

11.00% – 18.00%

p.a.

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹3 Lakh – ₹40 Lakh

Tenure

1–20 yrs

Processing fee

₹6,000–₹80,000 + GST

Fee details

Affordable housing loans Rs 3-40 lakh, tenure up to 20 years; rates not published on product page; Interest rate policy Dec-2025: HL 10.5%-19% by segment; admin/PF up to 2% + GST

Eligibility

  • Age 21–65 yrs
  • Min. income ₹0/mo
  • Salaried or Self-employed
Apply Now
Manappuram Finance logo
Manappuram Finance NBFC / HFC

Interest rate

12.00% – 22.08%

p.a.

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹5 Lakh – ₹50 Lakh

Tenure

1–20 yrs

Processing fee

₹5,000–₹50,000 + GST

Fee details

Housing loan (Manappuram Finance MSME/housing vertical); PF minimum 1% + applicable tax; LTV up to 80%; min bureau score 560, min clubbed income Rs 25,000 p.m. (official)

Eligibility

  • Age 21–65 yrs
  • Min. income ₹25,000/mo
  • Credit score 560+
  • Salaried or Self-employed
Apply Now
Muthoot Finance logo
Muthoot Finance NBFC / HFC

Interest rate

12.25% – 15.00%

p.a.

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹3 Lakh – ₹50 Lakh

Tenure

1–20 yrs

Processing fee

₹4,500–₹100,000 + GST

Fee details

Via Muthoot Homefin (India) Ltd; PF min 1.5% (salaried) / 2% (self-employed) + GST plus admin fee Rs 2,500 + Rs 6,000 + GST; RPLR 15.95%; LTV 80-90%; official Q1 FY26-27 housing range 11.25%-18%

Eligibility

  • Age 21–65 yrs
  • Min. income ₹15,000/mo
  • Salaried or Self-employed
Apply Now
AU Small Finance Bank Bank

Interest rate

Check current rates

Rate confirmed by the lender when you apply

Loan amount

₹2 Lakh – ₹5 Crore

Tenure

1–30 yrs

Processing fee

₹3,000–₹1,000,000 + GST

Fee details

Min: Repo/EBR-linked, max up to 22% per schedule of charges; PF up to 2% + GST; tenure 1-20 yrs for cash-salaried/SENP, up to 30 yrs otherwise; PB: up to Rs 5 Cr, PF 1.5-2%

Eligibility

  • Age 18–70 yrs
  • Min. income ₹0/mo
  • Salaried or Self-employed
Apply Now
ICICI Bank Bank

Interest rate

Check current rates

Rate confirmed by the lender when you apply

Loan amount

₹1 Lakh – ₹10 Crore

Tenure

1–30 yrs

Processing fee

₹500–₹2,000,000 + GST

Fee details

0.5% of loan + taxes on special rates (schedule says up to 2%); floating slabs 8.50%-9.80% valid till 30-Sep-2026; fixed 8.90%-11.20%; loans up to ₹10 crore

Eligibility

  • Age 21–70 yrs
  • Min. income ₹25,000/mo
  • Salaried or Self-employed
Apply Now
Karur Vysya Bank logo
Karur Vysya Bank Bank

Interest rate

Check current rates

Rate confirmed by the lender when you apply

Loan amount

₹1 Lakh – ₹10 Crore

Tenure

1–30 yrs

Processing fee

₹2,500–₹7,500 + GST

Fee details

Happy Home Loan: Rs 2,500 (<= Rs 25 lakh) / Rs 5,000 (Rs 25-50 lakh) / Rs 7,500 (> Rs 50 lakh) + GST; margin 10-25%; no prepayment charges; flat-only fee; % derived

Eligibility

  • Age 23–65 yrs
  • Min. income ₹0/mo
  • Salaried or Self-employed
Apply Now
Yes Bank logo
Yes Bank Bank
Longest tenure

Interest rate

Check current rates

Rate confirmed by the lender when you apply

Loan amount

₹10 Lakh – ₹10 Crore

Tenure

1–35 yrs

Processing fee

₹10,000–₹1,500,000 + GST

Fee details

1.5% or Rs 10,000 whichever higher + GST (Rs 7,500 non-refundable login fee); Khushi affordable HL 9.95%-13.60%

Eligibility

  • Age 21–70 yrs
  • Min. income ₹20,000/mo
  • 24+ months in current employment/business
  • Salaried or Self-employed
Apply Now

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Rates are each lender's own published figures, checked against the lender's website on the date shown. The rate, amount and approval you are offered depend on the lender's assessment of your profile — FynnEdge does not guarantee approval, disbursal or any particular rate.

Why FynnEdge?

You could go directly to a bank. But why apply for a Home Loan for Balance Transfer through us?

01

One profile, many lenders

Share your details once — we match you against multiple lenders' criteria instead of you applying to each one separately.

02

Clear, upfront eligibility

See which lenders you're likely eligible for, with plain-language reasons, before you apply.

03

A fully online journey

Check eligibility, compare lenders and apply — all online, without a branch visit.

04

Free EMI & credit tools

Plan your EMI and check your credit score for free, before you commit to anything.

05

Guidance, not just a listing

We help you understand your options and why a lender is or isn't a fit — not just hand you a list.

06

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What our customers say

  • “I contacted Fynnedge for help regarding the different types of personal loans available. The process went smoothly but it took quite long for the approval. Overall, it was a good experience.””

    Kavita Iyer

    Kavita Iyer

    Hyderabad

  • “I collaborated with Fynnedge to seek a personal loan for a specific expenditure. The process was straightforward, and the staff explained how loans functioned. The only issue was the length of the whole application process.””

    Sandeep Malhotra

    Sandeep Malhotra

    Chandigarh

  • “I have had a very happy experience with the Flexi Hybrid Term Loan. I found the process quite easy, although I did have to go through a lot of documentation as well as learn about all the terms and conditions of the loan first." ”

    Rajesh Gupta

    Rajesh Gupta

    kanpur

Frequently asked questions

What is a home loan?

A home loan is a secured loan provided by a bank, NBFC or other eligible lending institution to help finance the purchase, construction or certain eligible housing-related requirements. The borrower repays the amount through scheduled instalments along with applicable interest.

How much home loan can I get?

The amount you may qualify for depends on factors such as income, age, credit history, existing liabilities, repayment capacity, property value and the lender's policies. Fynnedge can help you explore suitable options based on your profile.

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