I have an existing loan of Rs. 15 lakhs from LIC housing finance with ROI @ 11.75%, preclosure and other charges 15,000. Even if I pay conversion fee, they won’t reduce my ROI. I wish to transfer my loan to SBI for 5 years. ROI with SBI is 10.15% and loan transferring fee is Rs. 16,000. What will you suggest ? is it fruitful to transfer my loan?