01ProfileBorrowers with existing loans
02Documents4 groups
03StructureRemaining or restructured tenure options
04Next stepApply with consent
Highlights
Savings and break-even calculation
Top-up possibility review
Cost-benefit comparison
Documents
Loan statement
Sanction letter
Repayment track
Income and KYC documents
Aura Fintec Services acts as a facilitator or DSA where applicable and is not itself the lender. Approval is subject to lender policies, eligibility, documentation, credit assessment and terms.
Usually when interest savings exceed processing, legal, valuation and foreclosure costs.
Live loan model
Balance Transfer EMI Preview
Adjust each driver and watch repayment economics update instantly.
Monthly EMI₹21,742
Total interest₹3,04,545
Total payable₹13,04,545
| Month | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹12,576 | ₹9,167 | ₹9,87,424 |
| 2 | ₹12,691 | ₹9,051 | ₹9,74,733 |
| 3 | ₹12,807 | ₹8,935 | ₹9,61,926 |
| 4 | ₹12,925 | ₹8,818 | ₹9,49,001 |
| 5 | ₹13,043 | ₹8,699 | ₹9,35,958 |
| 6 | ₹13,163 | ₹8,580 | ₹9,22,795 |
| 7 | ₹13,283 | ₹8,459 | ₹9,09,512 |
| 8 | ₹13,405 | ₹8,337 | ₹8,96,106 |
| 9 | ₹13,528 | ₹8,214 | ₹8,82,578 |
| 10 | ₹13,652 | ₹8,090 | ₹8,68,926 |
| 11 | ₹13,777 | ₹7,965 | ₹8,55,149 |
| 12 | ₹13,904 | ₹7,839 | ₹8,41,245 |
Calculator results are indicative and do not represent loan approval or final lender pricing.
Formula disclosure
EMI = P x R x (1 + R)^N / ((1 + R)^N - 1), where R is the monthly interest rate and N is tenure in months.