Your savings can reduce your home loan interest.
Keep your savings accessible while using them to reduce the interest you pay on your home loan.
See how much you could save.
Share a few details and we'll help you understand how your savings could work harder.
First, see what actually happens to your money.
Drag the slider. Watch how much of your ₹1 Crore loan stops attracting interest, for as long as your surplus stays parked, without a single rupee leaving your account permanently.
With a suitable OD-linked home loan, the lender considers your parked balance while calculating applicable interest. You haven't prepaid a single rupee. If you need the money, you can withdraw it, subject to the facility's terms.
Illustration only. Actual calculation, rate, limits and withdrawal rules vary by lender.
Now imagine your money moving throughout the year.
Click through the months. Your parked balance isn't a one-time decision. It moves with your life, and the benefit moves with it.
This is why OD is different from a normal prepayment.
Same ₹10L. Two very different outcomes. Tap to compare.
Prepayment reduces your loan permanently. OD lets your surplus work against the loan, while staying accessible.
Your bonus could be doing more than you think.
Adjust your bonus amount below and see it work against your loan, while staying fully yours to withdraw whenever you need it.
You could spend it. You could permanently prepay. Or, park it. While it stays parked, it reduces the balance used for interest calculation. Need ₹2L six months later? Withdraw it. Next bonus comes in? Park it again.
Your surplus keeps working, whenever it stays parked.
And it doesn't have to be a bonus.
Tap each card: this is the everyday money that could be working for you.
Yes → an OD structure may be worth evaluating. No → a regular prepayment may be simpler.
Here's where the real benefit comes from.
Set your parked amount, rate and holding period, and see the simple-interest impact.
Illustration only. Actual savings vary by loan structure, calculation method, withdrawals and lender charges.
Now think bigger.
You don't have just one ₹10L event. Click each amount to add or remove it from your running balance.
This is where an OD structure becomes powerful for high-income borrowers with regular surplus cash. Not because of one giant lump sum, but because your money keeps coming back to work.
Who should seriously look at this?
A Home Loan OD becomes particularly interesting when you have:
If your money regularly sits idle, this is worth understanding.
But don't choose OD just because it sounds smart.
This is where the comparison matters. Six things worth checking before you sign anything.
The best OD is not the one with the fanciest name. It's the one that works with your actual cash flow.
Your bank may already have this. You just know it by a different name.
"Home Loan OD" isn't the name every lender uses:
Don't choose based on the name. Ask these five questions:
That's what you should compare across banks.
So, what should you do with your next ₹10 Lakhs?
The answer depends on your loan and your money.
We'll help you see the numbers before you decide.
- Loan amount
- Interest rate
- Remaining tenure
- Savings available
- Annual bonuses
- Monthly surplus
- Liquidity needs
- Loan closure goal
