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About the Business Loan Balance Transfer Calculator
Businesses that borrowed unsecured while young often qualify for far better pricing once there is vintage, filed GST returns and clean banking behind them. Refinancing an expensive facility is one of the quickest margin improvements available.
Model it here first. A move from 18% to 13.5% on ₹12 lakh with three years to run is worth well over a lakh even after fees — and switching to a secured facility against property can save considerably more.
The formula
A transfer only pays if you keep the loan beyond the break-even point.
Things worth knowing
Frequently asked questions
Yes. Lenders actively compete for established businesses with clean repayment records, and a takeover with a top-up is a common structure.
The old account closes and a new one opens. Short term there is a small dip from the enquiry and the new account; over time a lower EMI and clean conduct help.
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