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Home Loan Balance-Transfer-Top-Up Calculator

Tools and Calculator

  • Balance Transfer + Top Up
Requested Loan Amount
3,00,000 10,00,000 5,00,00,000
Requested Tenure
12Months 100Months 360Months
Net Salary/Income
3,00,000 10,00,000 5,00,00,000
Monthly Obligation
2000 25,000 50,000
Cost of Property
2,00,000 10,00,000 5,00,00,000
Loan Principle Outstanding
2,00,000 10,00,000 5,00,00,000
Existing EMI
1 12,50,000 25,00,000
  • Balance Transfer Amount


  • Total Savings


  • EMI of Final Eligibiity


  • Final Total Eligibility


  • Top Up Amount


  • Monthly Savings


*Final amount may vary and it will depend on the final credit approval
*Final amount may vary and it will depend on the final credit approval
Name (as per PAN Card) Please enter a valid Name
Email ID Please enter a valid Email
Mobile Number OTP will be sent after you click 'Quick Apply' Please enter a valid mobile number
City of Residence Please select a city
Date of Birth (dd/mm/yyyy) Please enter a valid Date of Birth
Please select an option
Monthly Liabilities Enter 0 if no liabilities. Please enter an amount
Existing relationship with SBI
Annual trip?
Existing credit card?
PIN Code Please enter a valid PIN Code
Company Name Please enter a valid Company Name
Salary (Monthly income) Please enter an amount
Property ValuePlease enter an amount
Portfolio ValuePlease enter an amount
Please select your Occupation
Please select an Entity
Please enter the Number of Years
Turnover Please enter an amount
Profit After Tax Please enter an amount
Required Loan Amount Please enter an amount
Please select a Product
Annual Income Please enter an amount
Please select a Plan
Please select a Medical Condition
Vehicle Manufacturer Please enter a valid Manufacturer Name
Vehicle Model Please enter a valid Model Name
Vehicle Variant Please enter a valid Variant Name
Reg. No. (MH01AB1234) Please enter a valid Vehicle Number
Vehicle Registration Date Please enter a valid Date
Please select a Purpose of Visit
Please select an option
Travel To Please enter a valid Country Name
Trip Start Date Please enter a valid Date
Trip End Date Please enter a valid Date
Sum Insured Please enter an amount
Tenure (years) Please enter a Tenure
Premium to be paid Please enter an amount
Please select a Security
Please select a Time
Cost of Two Wheeler Please enter an amount
Time Since Purchase (Months) Please enter a valid duration
Current Residence Please enter an address


Please enter the 4 Digit OTP sent to your mobile Number.

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Mobile NumberPlease click on SEND OTP to receive the new OTP

What is Balance Transfer Top-Up Calculator?

For times when repaying a home loan becomes difficult due to high interest rates, the outstanding principal amount can be transferred from existing lender to a new one that offers better services. This process of home loan transfer from one financial institution to another is called balance transfer or refinancing. Over and above this facility, Tata Capital even offers a top-up loan besides the balance transfer to further ease financial worries. It is this balance transfer top-up that can be calculated using a Balance Transfer Top-Up Calculator or Home Loan Top-Up Calculator.

How to Use a Home Loan Balance Transfer Calculator?

To use a Top-Up Loan EMI Calculator, you need to input the following details in the calculator - 

  • Requested Loan Amount

This term stands for the amount of loan requested by the borrower at the time of their loan application. 

  • Requested Tenure

Tenure is the duration within which a loan has to be repaid. Home loans generally have longer tenures. You can request a tenured term during your loan application process which will allow you to repay Tata Capital at a pace you are comfortable with. The loan tenure will also affect your monthly instalment amount.

  • Net Salary/Income

Net salary is the take-home pay or the income you earn after all the deductions such as tax payment and investments. It constitutes your disposable income. Net salary is different from gross salary which is higher as taxes and investments are not deducted from it.

  • Monthly Obligation

This term stands for a potential borrower’s fixed monthly financial obligations already in place excluding statutory deductions such as Provident Fund, professional tax, and deductions for investments such as Insurance premium and Recurring Deposit. Other loans taken which are not housing loans will also count as monthly obligations. Repayment of a housing loan’s EMI will also become a monthly obligation once it is sanctioned. Fixed obligations are a popular parameter used by Tata Capital to calculate a borrower’s home loan eligibility.

  • Cost of Property

This term stands for the purchase price of an asset along with all the expenditures necessary to prepare the particular property for its intended use. 

  • Loan Principal Outstanding

This refers to the principal sum of money that needs to be repaid, excluding your interest amount. Simply put, if you just took a loan for Rs. 1,00,000 then your loan principal outstanding amount is Rs. 1,00,000. The interest on this is separate and is not counted here. Say, if you need to pay an EMI of Rs. 10,000 per month, the principal amount in that would be deducted from the outstanding loan amount. 

  • Existing EMI

Home Loan EMI stands for Equal Monthly Instalments. It is the fixed amount of payment made by a borrower to the lender.  EMIs are used to pay off parts of both the principal amount as well as the interest amount. Existing EMI is the EMI that you were required to pay every month for loan repayment. For the existing EMI, you need to consider the loan amount and the loan tenure and rate of interest offered by Tata Capital.


Home loan balance transfer occurs when the entire outstanding principal amount of a home loan is transferred from one lender to another lender. The borrower now needs to pay their EMIs on the basis of the new rate of interest, offering relatively lower interest rates.

Home loan balance transfer may be considered mainly under two circumstances –

  • When another lender is offering relatively lower interest rates on their home loans 

  • When you are dissatisfied with the services offered by your lender 

Finding it difficult to manage your home loan?  Opt for a balance transfer to Tata Capital to enjoy greater flexibility of repayment tenure. Click here.