Home / Home Loan Overdraft
The Home Loan That Rewards Your Savings
MaxGain-style overdraft home loans — park surplus funds against your loan and watch interest melt away, while money stays withdrawable anytime.
Funding Amount
₹30 Lakh – ₹10 Cr
Approval Timeline
1–3 weeks
Pricing
7.6% p.a. onwards
About Home Loan Overdraft
A home loan overdraft links your loan to a transactional account: every rupee parked there reduces the interest-bearing principal that day, while remaining fully withdrawable. For families with bonuses, business surpluses or ongoing savings, lifetime interest reductions of ₹15–40 Lakh are entirely realistic.
LOANYARD CAPITAL compares overdraft home-loan programmes across banks, models your actual savings pattern to quantify benefit (try our Home Loan Overdraft Calculator), and manages fresh loans or balance transfers into the structure.
Key Benefits
Who Should Apply
- Professionals with bonuses/variable income
- Business owners parking periodic surpluses
- Disciplined savers with idle balances
- Borrowers transferring from plain home loans
Eligibility
- Standard home-loan eligibility applies
- Meaningful expected surpluses (₹2 Lakh+ typical)
- Bureau score 700+ preferred
- Property with clear title
Documents Required
- KYC of promoters and business entity
- Last 2–3 years financial statements / ITRs
- Last 12 months bank statements
- GST returns where applicable
- Existing loan sanction letters and repayment track
- Requirement-specific documents (we guide you)
Industries Served
Our Process
Consultation
We understand your requirement, financials and timelines.
Structuring
Our analysts prepare a lender-grade proposal.
Placement
Competitive placement across best-fit lenders.
Negotiation
Amount, pricing, tenure and covenants negotiated.
Disbursement
Documentation to disbursal, managed end to end.
Why LOANYARD CAPITAL
15+ Years
Advisory Experience
500+
Corporate Clients
100+
Lending Relationships
Pan-India
Coverage