If you're looking to lower your home loan interest rate, there are a few strategies you can consider. One option is to transfer your loan to a lender offering a lower interest rate. By doing this, you could potentially lower your monthly EMI payments. However, make sure to carefully evaluate the charges involved in the transfer process.

Another way to lower your interest rate is by improving your credit score. Many banks base their interest rates on borrowers' credit scores, so having a higher score can lead to lower rates. To improve your score, make sure to pay your existing EMIs on time, avoid taking on new loans, and keep your credit card utilization below 30%.

Lastly, you can also try renegotiating the terms of your loan with your current lender. While they may not be willing to lower your interest rate, it doesn't hurt to ask and see if they can offer more favorable terms.

Remember, each person's financial situation is unique, so it's important to carefully evaluate your options and consider consulting with a financial advisor before making any decisions regarding your home loan.