LoanDeskby Sunrise Associates Call +91 98142 51534

Balance transfer

Is your home loan costing you more than it should?

On a ₹1 crore+ home loan, moving only pays if the saving beats the cost of moving. We work out the net figure first, so you don’t move for nothing.

Step 1 of 2 · 30 seconds

What do you need?
How much?

No documents, PAN or CIBIL score here. We don’t pull your credit report.

LoanDesk by Sunrise Associates is a loan advisor (DSA), not a bank or lender. Loans are subject to the lender’s approval and terms.

  • A call within 24 hours
  • A one-page written comparison, dated
  • If your current offer is the best fit, we’ll tell you

Is it worth moving?

Sometimes it is, sometimes your own bank will match. Either way, you should know the number.

  • The rate gap

    A small gap on a large balance can still be worth it, but only over enough remaining years. We calculate your net figure.

  • The cost of moving

    Processing, valuation, legal, registration. Every charge itemised before you decide.

  • The tenure trap

    Resetting to a longer tenure lowers the EMI and raises the total interest. We show you both.

Ask your current bank first

  • An outside offer is your leverage. Ask them to match it, in writing
  • Ask for your loan statement since the start
  • Ask which benchmark your rate is tied to, and the spread
  • Compare the total cost, not only the rate
Two folders side by side on a desk with a pen and a calculator

What you get

A call within 24 hours

From your advisor, on the number below.

Your options compared

Interest rate, charges, tenure and processing time across 22+ banks and NBFCs, one lender at a time.

One page in writing

Dated and itemised. If your current offer is the best fit, it says so. 2 working days

Tilak Raj Bansal, founder of LoanDesk, by his office window at dawn

Who is behind LoanDesk

Tilak Raj Bansal

Founder · Chandigarh

LoanDesk is led by Tilak Raj Bansal. An advisor from our team calls you from +91 98142 51534.

One advisor handles your file from the first call to disbursal.

How it works

  1. Tell us

    Loan type and amount. No documents.

  2. We call

    We ask what you need and what you were told.

  3. We compare

    One lender at a time, in writing.

  4. You decide

    No deadline from us.

When documents are needed, your advisor collects them in person or through a secure process. Never through this page or WhatsApp.

Come and see the desk

Offices in Chandigarh and Gurugram. Serving clients across India.

Questions people ask first

Should I move my loan?
Only if the saving, after every cost of moving, is worth it over the years you have left. A common starting point is a gap of about half a percentage point; we work out your actual net figure.
Will my own bank match an offer?
Often they will, once you have a written offer from another lender. If they do, that is a good result and we’ll say so.
Do I pay you anything?
No. You never pay us. The lender pays us when your loan is disbursed. If a lender charges its own processing fee, your advisor tells you the amount and its refund policy in writing before you pay it to the lender.
Are you a bank?
No. We are a loan advisor (DSA). We arrange loans with banks and NBFCs. Approval and terms are the lender’s decision.

Find out before you sign, not after.

30 seconds. No documents. A call within 24 hours.

Start my free comparison

LoanDesk by Sunrise Associates is a loan advisor (DSA), not a bank or lender. Loans are subject to the lender’s approval and terms.