How much more loan you can get (estimate)
From your income, your EMIs and our lender panel's limits. The lender decides the final amount.
Shubh Tools · BT · Top-up · One loan
Shubh Switch AdvisorShould you move your loans? See it in rupees.
Add your running loans once. We test every route — balance transfer, BT + top-up, top-up, one combined loan, or wait — against our lender panel and show what you really save after every charge.
Shubhdhanam is a loan distribution firm (DSA).
What do you want most?
We rank every route by this. You can see all of them in the result.
Add your running loans
Add each loan and credit card you are paying now. The more correct the numbers, the sharper the advice.
You can add up to 8 loans.
Which loan is it?
What do you know about this loan?
₹
See your loan app, statement or last EMI receipt.
+ Loan at the start: how much, and for how many months? (not required)
₹
months
₹
As in the sanction letter.
months
Tap or type months.
Each month after this = one EMI paid.
Turned a swipe into EMI? Add it as "Credit card EMI". Fridge, TV or mobile bought on a finance EMI? Add it as "Consumer / app loan".
₹
months
Not sure? Count the months till the last EMI date.
We count the months left for you.
%
Leave empty if you do not know — we work it out from your EMI and months left.
How long have you been paying this loan?
Is the rate floating or fixed?
Foreclosure charge on this loan
From your sanction letter. Not sure? We take a careful figure.
How do you earn?
Lenders treat salaried and self-employed people differently.
How old is your business?
From your GST, shop act or first ITR.
The amount that reaches your bank account.
₹
Starting value is only an example — please enter yours.
Your CIBIL score, roughly?
Not sure? Choose "Don't know" — you can still see your routes.
In the last 12 months, was any EMI or card bill paid 30 or more days late?
If yes, tell us when — most lenders check the last 3, 6 or 12 months.
Some lenders want the loan to end before a set age.
years
Starting value is only an example — please enter yours.
Needed for Home Loan and Loan Against Property routes. No property? Choose "No property".
₹
For a top-up along with the switch. Not needed? Choose "Not needed".
₹
Your Switch Report
Testing every route…
All routes, best first
What if…?
Move the rate or tenure of the No. 1 route and see it change.
Rate range = the matching policies on our panel.
Your loans today
Shubh Yog
0/ 9
9 petals of your switch readiness
What to do first
Charges and rules we used
- Floating-rate loans to individuals: RBI rules do not allow a prepayment / foreclosure charge for non-business loans. For loans sanctioned or renewed from 1 January 2026, the RBI (Pre-payment Charges on Loans) Directions, 2025 also cover most business loans to individuals and micro and small enterprises. Your sanction letter and Key Facts Statement show what applies to you.
- Fixed-rate loans: the charge is as per your loan agreement. If you did not enter it, we took the highest figure written in our own panel (5% + GST), so the saving shown is on the careful side.
- New loan charges (processing fee, login fee, legal fee) are the middle of what the matching lender policies on our panel have written. GST is added at 18%.
- Stamp duty, registration, mortgage and insurance are not added. They depend on the state and the lender, and are shown in the sanction letter.
- New rates are the matching panel policies' own range. Lender charges as per sanction letter.
Call or WhatsApp us — one person handles your file. Choose "Save as PDF" in the print window.
This is an estimate (andaaza) from the details you entered and our lender panel's policy data. It is not an offer, a sanction or a promise of saving.
Shubhdhanam is a loan distribution firm (DSA). Approval, rate, charges and tenure are decided only by the lender. Lender charges as per sanction letter.
Never pay anyone in cash or into a personal account in Shubhdhanam's name. To verify, call +91 91721 34844.
Shubh Shagun
Know someone who needs this?
Send this tool to them on WhatsApp with your name on the link. If they take a loan through us, you receive a Shubh Shagun of up to ₹11,001.
How Shubh Shagun works →Straight answers
Questions people ask us
What is a balance transfer (BT)?
Moving your running loan to another lender that offers a lower rate or better terms. The new lender pays off the old loan and you pay the new EMI.
When does a BT really save money?
When the rate gap is big enough to recover every charge — processing fee, foreclosure of the old loan, legal fees and stamp duty. This tool shows the month in which your charges are recovered.
Can I take extra money with a BT?
Many lenders give a top-up along with the transfer, within their EMI and property-value limits. Choose "Some extra money too" to see it.
Is combining loans into one always good?
It lowers your EMI and gives one date, but a longer loan can mean more interest in total. The tool shows both sides.
Is there a foreclosure charge on my old loan?
For floating-rate loans to individuals, RBI rules do not allow a prepayment charge for non-business loans. Fixed-rate loans follow your agreement. Check your sanction letter or Key Facts Statement.
Does using this tool affect my CIBIL?
No. It does not check your credit report. A lender checks it only when you apply.