Move your home loan. Save up to Rs 25 lakh in interest.
TransferYourLoan's AI compares your current home loan against live rates from 30+ RBI-regulated lenders and engineers a balance transfer that maximizes lifetime savings - not just monthly EMI.
Why borrowers choose EMIvana
Lowest available rate
We surface the lowest home loan rate you actually qualify for - based on your credit profile and property type.
Zero processing hassle
Our experts handle every document, every signature, every visit to the lender. You sign once, online.
Lifetime savings, not just EMI
We optimize for total interest paid, not just a lower monthly number that extends your tenure.
Real BT scenario: 18 years remaining, Rs 45L outstanding
How it works
Share loan details
Upload your loan statement or auto-fetch via Account Aggregator.
AI matches lenders
We rank offers from 30+ banks and HFCs by your eligibility and total savings.
Expert callback
Our advisor walks you through the shortlisted offer in plain language.
We close the paperwork
Door-step documentation, lender coordination, NOC follow-up - all handled.
Frequently asked
What are the charges for a home loan balance transfer?+
Most lenders charge a one-time processing fee of 0.25%-0.5% of the loan. TransferYourLoan negotiates this down to zero in most cases for our partner lenders.
Will my credit score get impacted?+
Initial AI matching is a soft pull - no impact. A hard pull happens only when you submit a final application to a chosen lender.
Is there a minimum outstanding amount?+
Most lenders accept BT requests above Rs 10L outstanding with at least 5 years of tenure remaining for the math to work.
Home loan refinancing - related topics
Key terms and concepts borrowers research before moving their home loan.
Balance transfer - Moving your outstanding home loan principal to a new lender at a lower rate.
Loan refinance - Replacing your existing loan with a fresh loan on better terms.
Home loan EMI - Equated monthly instalment covering interest plus principal repayment.
Lower interest rate - The single biggest lever for cutting total interest over a long tenure.
Switch home loan lender - End-to-end process of moving from your current bank to a cheaper one.
Home loan processing fee - One-time charge by the new lender, usually 0.25 to 0.5 percent.
RBI regulated lenders - Banks and HFCs licensed and supervised by the Reserve Bank of India.
Top up loan - Additional loan amount you can take during balance transfer at home-loan rates.
Foreclosure charges - Fees old lenders charge to close the loan - zero on floating-rate retail loans.
See exactly how much you'll save on your home loan.
Free AI scan. Personalized BT plan. Expert advisor callback within 30 minutes.
- ✓ Free AI analysis across all your loans
- ✓ Compare offers from 30+ RBI-regulated lenders
- ✓ Zero impact on your credit score