Is there a cost to switching?

Yes, there are minor processing and legal fees. However, we provide a Break-even Analysis. If you don't recover your switching costs within 6 months, we'll tell you not to switch.

Do I need to visit my old bank to get my original documents?

No. That's the Butter promise. We coordinate the document transfer between the two banks so you don't have to stand in a single queue.

Can I reduce my tenure instead of my EMI?

Absolutely! We can restructure your loan so your EMI stays the same, but you finish your 20-year loan in just 14 years.

What if my current bank offers to match the rate?

We'll help you negotiate with them! If they match it, you stay put and save money. If they don't, we move you. You win either way.

Home Loan Balance Transfer | Save on Interest

✦ BALANCE TRANSFER CALCULATOR

See How Much You Could Save By Transferring

Lower your home loan interest rate and monthly EMI with a seamless balance transfer.

Outstanding Loan Amount

₹5,00,000₹3,00,00,000+

Current Interest Rate (p.a)

9.25%

8.5%15%

New Interest Rate Offer (p.a)

7.35%

6.5%12%

Preferred Tenure

15 years

5 Year30 Years

Your potential Savings

You'll save total of

₹ 9,96,300

over the period of 15 years

Total Payable

₹ 82,66,500

Principal + Interest

New Monthly EMI

₹ 45,925/mo

₹ 5,535 Saved / mo

New Interest Rate

7.35%

Total 1.90% Interest reduced

New Total Interest

₹ 32,66,500

₹ 9,96,300 Total Saved

40+ Banks Compared

Find the right Balance Transfer offer.

Secure & Confidential

Your info stays protected always.

Expert Guidance

Support till final loan transfer.

By clicking “Get your offers now” you agree to the terms & conditions

How It Works

From eligibility check to final disbursal, we handle the heavy lifting.

Verify Your Eligibility
Compare your current loan terms with our real-time offers and get an idea of estimated savings.
Switch to a Lower EMI
We pick the top 3 lenders offering the lowest Switching Costs.
Enjoy Your Savings
You upload your basic KYC; we coordinate with your old bank to get the property documents.

Top Balance Transfer Offers

Compare the latest interest rates from India's leading banks.

Canara Bank

Minimum

7.10 %

Maximum

8.40 %

HDFC Bank

Minimum

7.15 %

Maximum

8.35 %

State Bank of India

Minimum

7.20 %

Maximum

8.25 %

Bank of Baroda

Minimum

7.20 %

Maximum

8.30 %

ICICI Bank

Minimum

7.25 %

Maximum

8.40 %

Bajaj Housing Finance

Minimum

7.30 %

Maximum

8.60 %

Axis Bank

Minimum

7.35 %

Maximum

8.50 %

Federal Bank

Minimum

7.40 %

Maximum

8.65 %

Tata Capital

Minimum

7.60 %

Maximum

8.75 %

Bank	Starting Rate ↑	Max Rate	Tenure	Best For
Canara Bank	7.10%	8.40%	30 yrs	Zero processing fee transfer for high CIBIL
HDFC Bank	7.15%	8.35%	30 yrs	Top-up combo & rate reduction from NBFCs
State Bank of India	7.20%	8.25%	30 yrs	Longest remaining tenure transfer
Bank of Baroda	7.20%	8.30%	30 yrs	Waived switching fees & fast handover
ICICI Bank	7.25%	8.40%	30 yrs	Instant online balance transfer sanction
Bajaj Housing Finance	7.30%	8.60%	30 yrs	Hassle-free doc collection & doorstep service
Axis Bank	7.35%	8.50%	30 yrs	Principal reduction & monthly EMI optimization
Federal Bank	7.40%	8.65%	30 yrs	Transferring existing high-interest loans
Tata Capital	7.60%	8.75%	30 yrs	Transfer from unorganized private lenders

SBI

Loan Amount

₹65L

Stop Paying More Than You Need To.

Looking for a Balance Transfer?

Why transfer your Home Loan?

Lower Interest Rates

Reduced EMI

Tax Accessibility

Expert Support

See How Much You Could Save By Transferring

Your potential Savings

Why Choose Butter Money

Compare 40+ Lenders

Compare 40+ Lenders

Better Matches

Better Matches

Dedicated Loan Advisor

Dedicated Loan Advisor

Bank Coordination

Bank Coordination

Better Approval Chances

Better Approval Chances

End-to-End Support

End-to-End Support

How It Works

Verify Your Eligibility

Switch to a Lower EMI

Enjoy Your Savings

Top Balance Transfer Offers

Real outcomes. Real numbers.

Priya S.

Anand V.

Karan B.

Priya S.

Anand V.

Karan B.

Got Questions? We've Got Answers.

Find a better rate. Save more every month.