RBI held repo rate at 6.25% · Mar 2026 · What this means for your EMI →
Free Tool · Instant Results · India

Is Switching Your Loan
Actually Worth It?

Enter your current loan and a new offer. Get the exact rupee savings, break-even point, and a clear verdict.

Your current loan vs the new offer
Current Loan Where you are
New Offer Where you could be
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Calculating...

Net Savings
EMI Saving
Break-Even
Rate Drop
Comparison
Current Loan
New Offer
Interest Rate
Monthly EMI
Total Interest
Switch Cost
Total Cost
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Runs entirely in your browser. No servers, no storage.

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RBI-based benchmarks

Rates sourced from RBI data and public lender cards.

Rates last checked: March 2026 · View RBI rate history →

Related guides

When is a home loan balance transfer actually worth it? First check: is your loan rate actually fair? Or does it make sense to just close the loan early?