Home Loan Overdraft Calculator
See how much interest you can save by parking surplus funds in your home loan overdraft account
Loan & Surplus Details
Enter your home loan details and average surplus parked in the OD account
₹50,00,000
9.0%
20 years
₹5,00,000
Surplus funds reduce the interest-bearing principal every month
Your Savings with Home Loan Overdraft
Total Interest Saved
₹19,44,793
compared to a regular home loan
Monthly EMI
₹44,986
Tenure Reduced By
3 yrs 7 mo
Interest (Regular Loan)
₹57,96,711
Interest (With Overdraft)
₹38,51,919
Loan Closes In
16 yrs 5 mo
instead of 20 yrs
How it works
In a home loan overdraft (like SBI MaxGain), your surplus funds parked in the linked account reduce the interest-bearing principal. You pay interest only on the net outstanding, saving lakhs in interest while keeping your funds accessible anytime.