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Foreclosure math · then a new lender
Move or restructure existing loan
Move an existing MSME loan only if the all-in cost — foreclosure, fresh processing, stamp, and the new rate — still wins. A 0.25% poster is not a reason.
Indicative ticket
₹5 Lakh – As per existing + surplus
Tenure
As per new sanction
Security
As per the facility being taken over
Category
Takeover & top-up
Takeover & top-up
Takeover of an existing MSME / LAP / term loan when structure, rate or top-up makes a genuine difference.
Shift a running MSME loan for better structure, rate or tenure — or clean a messy multi-lender stack. Outstanding, foreclosure and why you move must be clear.
MSMEs often run three expensive loans instead of one clean structure. A balance transfer (takeover) can merge or move facilities — but only if foreclosure costs and processing do not eat the saving.
We put the arithmetic on the table: remaining EMIs, charges, and the new offer. If staying put is smarter, we say so.
Foreclosure charges, unexpired insurance, MODT / stamp on a new mortgage, processing on the new side. We put that next to the EMI saving. If the saving is thin, staying and negotiating is the adult move.
Bounces and GST vs banking issues do not reset because you changed the logo on the statement. The new credit team will ask the same questions — plus why you are leaving.
Term EMI foreclosure is arithmetic: charges, unexpired insurance, MODT / stamp, new processing. CC / OD transfer is operations: DP, hypothecation, stock inspection, limit setup. A 0.25% poster that ignores those lines is not a reason to move.
If the saving is thin after every rupee off the old loan, staying and negotiating is the adult move. Rate shopping with no existing facility is not this page — it is a fresh product URL.
Unlike top-up, the primary act is changing lender. Unlike a fresh LAP, you already have a charge and a track. Unlike WC, BT of a CC is a different operations conversation (limits, DP, hypothecation).
Typical desk timeline: 3–6 weeks including foreclosure math
Create your MSME desk account or log in. Tell us city, Udyam band, turnover range and the purpose of funds in one clear sentence. Consent is recorded before any lender share.
Outstanding, prepayment charges, unexpired insurance and MODT/stamp on the new side. Net saving is calculated before any move is recommended.
Conduct, GST vs banking and service issues travel with you. BT without a story besides 25 bps is usually a stay-and-negotiate case.
Promoter KYC, Udyam, GST, banking and purpose papers are listed product-wise. You upload once to the vault; we tell you what is missing before the file goes to credit.
The file moves to a partner bank, NBFC or HFC that matches your profile. Queries on GST vs banking, end-use or security are coordinated with you — we do not promise sanction from this website.
If approved, you receive the lender’s sanction with rate, tenure, security and covenants in writing. Read processing, insurance and prepayment clauses before signing — they vary by institution.
New lender closes the old facility and creates fresh charge/documentation. CC/OD transfer includes DP and hypothecation migration — not just EMI math.
Quick apply for Business Loan Balance Transfer without creating an account — or login if you want vault KYC and status tracking on your desk.
No. If foreclosure charges and remaining tenor wipe out the benefit, we recommend staying.
Figures are indicative. Not an offer. Sanction, rate and security rest with the bank, NBFC or HFC. Scheme names are not a website promise.
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