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Home Loan BT Calculator

Calculate Your Home Loan Balance Transfer Benefits

Total Sanctioned Loan Amount Rs.

0Rs.10 Cr

Existing Loan Tenor Months

0300 Months

Existing Rate of Interest %


BHFL Rate of Interest %


Rs. 0

Total amount saved with a Home Loan Balance Transfer to Bajaj Housing Finance.


Final Home Loan Amount


Top-Up Amount

Apply Now

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Home Loan Balance Transfer Calculator_WC

What is the Home Loan Balance Transfer Calculator?

The Home Loan Balance Transfer Calculator makes calculating your potential savings through a balance transfer, easier and accurate. Having your calculations done before hand can help you make a more informed decision in regard to whether a ​Home Loan Balance Transfer makes financial sense in your case.

Using the Home Loan transfer calculator saves your effort. Making manual calculations is not only tiresome but is also more susceptible to errors. Prepare your balance transfer plan with ease and hassle-free calculations for a quick Home Loan approval.

How to Use Home Loan Balance Transfer Calculator?

How to Use the Home Loan Balance Transfer Calculator?

Follow these simple steps to use the Home Loan Balance Transfer Calculator:​​

  1. ​​​First, select your existing lender from the dropdown menu.​​
  2. Select your property locations from the given list.​​
  3. ​​​Enter the date when your existing loan was sanctioned.​​
  4. Next, enter or slide to add the loan amount, interest rate and tenor of your existing loan.
  5. Finally, select or add the current interest rate of Bajaj Housing Finance balance transfer.


Home Loan Balance Transfer: Interest Rate

Home Loan Balance Transfer is a feature through which you can transfer the balance on your existing Home Loan to Bajaj Housing Finance for a more competitive interest rate and better borrowing terms.

Transfer your Home Loan to us to enjoy interest rates as low as 8.70%* p.a. for salaried and professional applicants, with EMIs starting from Rs.748/Lakh*. You also benefit from hassle-free processing, with minimal documentation, doorstep document pick-up service, and speedy processing.

Home Loan Balance Transfer: Features_WC

Features of Home Loan Balance Transfer

Sizeable Top-up Loan of Rs.1 Cr* or higher

Eligible applicants with the right credit, income, and financial profile can avail of a sizeable Top-up Loan that can be used for any housing purpose.

Repayment Tenor of up to 40 years

Opt for an extended repayment tenor of up to 40 years and repay the loan comfortably, at your pace.

No Prepayment or Foreclosure Charges

Individuals with a floating interest rate Home Loan do not pay any additional charges when they prepay or foreclose their loan during their tenor.

External Benchmark Linked Loans

Borrowers also have the option to link their Home Loan interest rate to an external benchmark, such as the Repo Rate.

Benefits of Using Home Loan Balance Transfer Calculator Online

Benefits of Using Home Loan Balance Transfer Calculator Online

Utilizing an online Home Loan Balance Transfer Calculator presents numerous advantages. Firstly, it offers enhanced accessibility compared to visiting a physical branch as it is conveniently available online. This quick and automated tool saves valuable time that would otherwise be spent on manual calculations.

Moreover, the calculator is entirely free to use, making it a cost-effective resource. By utilizing it, you can precisely determine the potential savings achievable through transferring your Home Loan. This valuable information empowers you to conduct a thorough cost-benefit analysis, assisting you in making an informed decision on whether a balance transfer is a viable option for your financial situation.

Additionally, the calculator provides valuable data that can aid in planning your current and future finances, granting you better insights into your loan repayment options and potential savings over time. Overall, leveraging the online Home Loan Balance Transfer Calculator can be a wise step in managing your finances efficiently.

Home Loan Balance Transfer: Eligibility_WC

Home Loan Balance Transfer Eligibility Criteria

  • Should be an Indian citizen (including NRIs for salaried applicants only)
  • Should be able to show steady income, either through a salary or through a business
  • Salaried applicants should be aged 23 to 62 years**
  • Self-employed applicants should be aged 25 to 70 years**

**The upper age limit is considered as the age at loan maturity. Additionally, the upper age limit for applicants is subject to change, depending on the property profile.


How to Apply for Home Loan Balance Transfer?

  1. Visit out online application form
  2. Select the type of occupation and type of loan and enter your PIN code
  3. Enter your full name, PAN, monthly take-home salary/annual turnover, current bank, and date of birth
  4. Click on ‘Submit’

Our representative will call you in 24 hours and explain the documentation you will need to submit to support your application.

*Terms and conditions apply

Disclaimer_WC HLBT calc


This calculator is provided for general information purposes only and should not be considered as financial advice. The results obtained from the calculator are estimates based on your inputs and may not reflect the actual terms or conditions of any loan. Users are responsible for verifying the accuracy of the calculator. Actual loan figures may vary based on specific loan products, interest rates, individual financial circumstances, and parameters laid down by Bajaj Housing Finance Limited (‘BHFL’).

Users are advised to consult with a qualified financial advisor to obtain accurate and personalized advice regarding their specific loan needs. The use of and the results of this calculator do not guarantee approval for a loan. Sanction and disbursal loans are at the sole discretion of BHFL. The calculator does not take into account the potential fees or charges levied while availing the loan. Users should carefully review the terms and conditions of any loan agreement before making financial decisions.

By using this calculator, the Users agree that placing reliance on the aforementioned information shall always be the sole responsibility and decision of the User and the User shall assume the entire risk of any use made of this information. In no event shall BHFL or the Bajaj Group, its employees, directors or any of its agents or any other party involved in creating, producing, or delivering this Website shall be liable for any direct, indirect, punitive, incidental, special, consequential damages (including lost revenues or profits, loss of business or loss of data) or any damages whatsoever connected to the User’s reliance on the aforementioned information.

Frequently Asked Questions

Frequently Asked Questions

Anyone who wants to transfer their Home Loan balance from their current lender can use the Home Loan Balance Transfer Calculator. It allows you to check the savings made by switching to a new lender. Some of the reasons why you may want to transfer your loan include lower interest rates, additional charges and better services.​​

​​If you have a floating interest rate Home Loan, you don’t have to worry about prepayment penalty when switching to a new lender. However, other types of Home Loans may levy charges on prepayment and foreclosure. If your existing lender levy prepayment penalty, you can ask the new lender to increase the loan amount to cover additional charges.​

​Yes, as long as you are eligible for PMAY, you can continue to enjoy its benefits. A Home Loan Balance Transfer only transfers your existing loan balance to a new lender while providing you with lower interest rates and other benefits. ​

The amount of money you can save depends on factors like the new interest rates, additional fees on the new loan and foreclosure/prepayment charges on the old loan. Use the Home Loan Balance Transfer Calculator to check the exact amount of savings you can make.


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