Difference between SBI MaxGain and Regular Home Loans

In my last post, I wrote about the SBI Max Gain Home Loan scheme features, benefit, advantages and disadvantages in detail. In this post, I try to focus on the differences between an SBI MaxGain Home Loan and Regular Home Loans.

Before proceeding further, I summarized the earlier post into a video. Please have a relook into this video for better understanding of this product.

Below I tried to explain the difference between SBI Max Gain Home Loan and Regular Housing Loans.

SBI MaxGain_mini

You notice that, the calculation of interest that makes this product different from others. You earn interest additionally on what you park as your surplus cash. However, a principal part remains same as per schedule and will be adjusted to Book Balance, which in return reduces your Drawing Power. 

Tenure of the loan and EMI schedule remains same in both the cases. However, the method of interest applicability varies. 

When it comes to liquidity and usage of the home loan account as an SBI Account, then definitely SBI Max Gain has an edge over regular home loan products. When it comes to taxation, the surplus you deposited into this account and interest earned on this surplus will not be part of any tax saving. 

Definitely a good product if you are expecting some surplus cash at the regular time. You can benefit from depositing to this account and can withdraw at any point of time. 

Hope the above video and the table gives you clarity about this product. 

114 Comments

  1. In SBI MAX GAIN HOME LOAN
    My query is drawing power & limit amount which is shown in OD account statement will remain constant or will change on monthly basis.

    Reply
    • Dear Bharat,
      Drawing power is the actual balance. Hence, it will change.

      Reply
  2. I am salaried person having liability of home loan max gain Rs.1300000/- I am paying Rs.14235/- PM whereas interest amount varies month to month iu.e 9780 to 10235. Is it beneficial for me or should I convert it into term loan.I do not want to withdrawn fund .

    Reply
  3. If we go with max gain loan, shall we sanction the loan for 30L and can we ask them to release amount when ever we needed for under construction flat in gated community? For example if we need to pay 25L instalment if we have 20L can we use only 5L and remaining amount for next instalments. Or else depends upon the construction status they will release the loan?

    Reply
    • Dear Vipul,
      Banks can release the amount in installment as per your and builder agreement dates (subject to the completion of project).

      Reply
  4. Hi Basavaraj,

    Me and my wife took joint HDFC home loan in 2012 which we transferred to SBI max gain in 2016. Last month we moved to abroad on a permanent basis:

    My questions are:

    1. Any update required to SBI max gain loan OD a/c?
    Usually after few months normal saving a/c’s gets converted to NRO accounts.

    2. I have an apartment in India, so should i get rent deposited in NRO ac?

    3. Do i need to tell my bank to convert my ac to NRO and when should this happen (after 6 months in abroad?)

    4. What is minimum balance I need to maintain in my India Citibank and SBI saving ac’s after they are converted to NRO.

    Any other guidelines pls
    Thanks

    Reply
    • Dear Gurwinder,
      1) Yes, you have to inform about your residential status change. Because the EMI auto debit details will change.
      2) Yes.
      3) Yes, once your residential status changes then immediately you have to inform to the bank in this regard.
      4) Check with respective banks.

      Reply
      • Thanks for prompt response.

        Reply
  5. Hi Basu, I’m on 30% tax bracket 80c is full & have no loans, wanted to take home loan for tax saving purpose. Planning for 28L loan so that max tax benefit I can avail on interest. Pls let me know will normal loan is better or maxgain loan in my case? I have additional money that I can park in OD account but heard interest paid is not tax benefitial? Pls advise.

    Reply
    • Dear Shas,
      How home loan can save your tax can you elaborate MORE?

      Reply
  6. Sorry I don’t understand this “i cant repay the Principle more than twice in case of Max-Gain for entire tenure”. In max gain can I pre close the loan account.

    Reply
  7. Whether rate of interest they charge on loan amount and parked amount will be the same?

    Reply
  8. I m a salaried person .and my spouse has a book store .she earns every month 5000-7000 rs .now we want to purchase a home .and we want increase our business of book store .how is it possible .is the maxgain loan better for us.or regular .what should we do in this situations .plz tell me .

    Reply
    • Pramod-Go for MaxGain only if you are expecting some lump sum in middle, else normal home loan is fine.

      Reply
  9. Hi Basu
    Thanks a lot for sharing this. I have one question.

    I dont understand what is bank benefit behind giving max gain home loan..?I mean to say user is getting double benefit…One is no home loan interest on parked money + normal interest gain on parked value…So overall its bank loss..Right?

    Reply
    • Shashank-They get the cash which is usable for their business.

      Reply
    • Double Benefit is a myth..
      The difference between Schedule Interest and Actual Interest is added to your accrued income means increase in drawings power. Whereas normal people assumes that with Fix EMI , the reduction of interest should actually reduce equivalent principle.
      Moreover you can’t repay the Principle more than twice in case of Max-Gain for entire tenure. Unless someone wants liquidity all the times, the normal home loan is preferred.

      Reply
      • 1. what is Schedule Interest and Actual Interest ?
        2. why i cant repay the Principle more than twice in case of Max-Gain for entire tenure.

        Reply
        • Shashank-1) Schedule interest is as per the amortization table and actual interest is based on the fund you parked. If you not parked any fund, then the interest for that month will be as per schedule. If you parked some amount in available balance, then they calculate the interest which is actual (lesser than the scheduled).
          2) It is their rule.

          Reply
  10. Hi Basavaraj,
    Thanks for all the suggestions and I really find this blog very useful to understanding about the SBI MAXGain Home Loan.
    I have a question where I didn’t find if its been repeated.

    Have a Maxgain HL loan amount of 40L and and paying the EMI 41000/- since 2014.
    I am planning to pay the principal amount of 25L in coming days.

    Can I request the bank to reduce the EMI amount and Is this possible.
    If not can U suggest me a better plan to reduce the monthly EMI.

    Reply
  11. Hello Basavaraj,

    Nice Article,

    I have very simple queries.

    Lets say I take loan of 20L and post that I put 5L in my OD. So in simple words I have to pay interest only on 15L. And once I put 5L is there any period till then I can’t take out money from OD account.

    What if I take loan of 20L and put 20L in OD(Considering I need this amount after 2 years), dose that mean I have to pay no interest for next 2 years.

    Reply
    • Bhavesh-Yes, your understanding is correct. But your EMI will go as usual. However, the interest you saved due to parking will be credited back to you in the available balance.

      Reply
  12. At any point of time can we change the loan type i.e. from MAX GAIN to Term loan or vice versa?

    Reply
    • Term Loan to Max Gain is allowed, but vice-versa is not allowed.

      Reply
  13. Hello,

    1. I have a SBI MaxGain Loan for 39 lacs @9.2%. The EMI is around 40K
    Now, I have 1lakh from a few FD closed recently.
    A pvt bank offers a 11.5% RD (and FD) compounded quarterly.
    Can you please advice me if I should invest in FD or park this money in my MG Home loan?
    2. Can you also give a simple calculation how a interest component is calculated ?
    (that appears in my monthly statement)
    3. The interest rate shown in SBI site shows BR 8% + 0.65%=8.65%
    But when I inquired SBI they said the interest rate is 9.2%
    Is this because of MCLR? or should I check back at the back again?

    Reply
    • Karthik-1) I am not sure which bank offering such high return on RDs. It is up to you to believe on such banks.
      2) Regarding SBI MaxGain? Please check with your bank.
      3) Better you cross check with bank.

      Reply
  14. Hello Basavaraj Tonagatti,
    Good info sir, can you suggest or compare home loan whit max gain and MCLR loan which one is better for 15 year time as per current rate. as I got to know form bank that they charge different interest rate for MCLR (8.4%) and Max gain (8.8%). since Max gain interest is more by 0.4% now how much additional contribution will make Max gain at par or better option please,.

    Reply
    • Jagga-Use MaxGain on if you are expecting some lump sum during loan tenure. Otherwise, stick to regular home loan.

      Reply
  15. Dear Basavaraj,

    I am planning to take SBI Max gain HL. My question is related to PM Awas Yojana Loan Scheme 2017. Can i get PMAY scheme benefit under Max gain plan. If yes, can you please explain it as SBI agent saying its not possible.

    Thanks!
    Shrikant

    Reply
    • Shrikant-As per me, YES. If he is saying NO, then let me explain with rule book. Because at the end of the day this is nothing but a home loan.

      Reply
  16. Hi Basu,

    First of all, let me say that its a wonderful article by you and already cleared most of my doubt. But I still have a questions:-

    I have taken SBI Max Gain loan for 21Lakhs for 20 years and already deposited some extra cash, hence my balance Principal is only 7 Lakhs. And I will be reaching Zero Balance in next 5years. If I don’t close my loan account and keep on paying EMI for complete 20 years. What will happen to my extra deposited cash? And what will happen after 20 years, will it convert back to a normal savings account?

    Reply
    • Selvin-When your book balance reaches the outstanding principal (drawing power), then even though your EMI going on, such EMI will be reversed to book balance. Account will be closed after 20 years.

      Reply
      • Thanks Basu for your comments. 1 more question:-
        After 20 years, when this account get closed, how can i access my money which is available in book balance?

        Reply
        • Selwin-You can request the bank for transfer to your savings account and close it.

          Reply
  17. Hi Basavaraj,
    Great post to explain the SBI Max Gain Loans.
    I have a question here, for SBI HL, the sales guy is saying the “Property Insurance” is mandatory and the bank does not approve loans without buying the insurance. Is this true ? What if I do not want to buy insurance, how can I convince the bank to approve loan ?

    Reply
  18. HI Basu,

    I have been encountered with the complex situation with Maxgain account. Can you please provide your expert suggestions. Please understand below situation:

    I have taken SBI maxgain home loan with below details (oct 2015):
    Book Balance -37,44,211.00
    Available Balance 10,55,789.00
    Limit 48,00,000.00
    Drawing Power 48,00,000.00
    Rate of Interest (% p.a.) 9.35%

    Now my momentum period was only 12 months. so it was ended now.

    1) My home is still under construction and I am not able to pay full EMI of around 42K. can i extend the momentum period?
    2) i will be not using 48L of loan as only last payment of around 3L is pending to builder. should i reduce drawing power and start full EMI. at least i can get the relief of less EMI of drawing power 40L.
    3) yet bank has not started full EMI and i was paying my interest EMI via different bank cheque. so no standing instruction set. should i set standing instruction/ECS for full EMI or need to extend momentum and start standing instruction?

    Kindly help by answering. will appreciate.

    Reply
    • Hardik-1) I think NO. But check with Bank Officials for the same.
      2) Better to start full EMI.
      3) Better to start full EMI with standing instruction.

      Reply
  19. Very informative , thanks a lot sir.Here are my queries , will be of great help if you can revert
    1. The current max gain interest rate is 8.75% over 8.50% for normal home loan for female applicants, so shall i opt for max gain or normal loan. I can save 2 month emi in every three months during one year where my emi is around 20k.

    2) As i am not getting 80c benefit for surplus paid and as such tax relief is less for max gain , is it still better to opt for max gain paying high interest as interest rate is more as i said in 1.

    3) when rbi cuts rates, will it reflect directly on max gain as it does on normal home loan?

    Reply
    • Paramita-1) Go for Maxgain if you are expecting some cash which you can utilize it by parking in this OD account. Otherwise, simply choose the normal home loan.
      2) Go for max gain to utilize your idle cash.
      3) For both types of loan it reflects.

      Reply
  20. Hello,

    I didnot pay the last EMI for SBI MAX gain loan . My question is will the bank deduct last month EMI and current month EMI together?

    Thanks,
    Rakesh

    Reply
  21. Sir, I am planning to take a home loan of Rs 9500000 . As i expect to get surplus cash, I plan to take sbi max gain. am i right in thinking that if I break my FDs and put it in margin account then it will be more beneficial as in Fds i earn about6.5 -7.0 % only while in max gain i will save upto 8.95% on the surplus deposited as my principal amount will come down. Please guide me regarding which loan to take. Thanks

    Reply
    • Deepak-Yes, you can earn more than Bank FDs. But do keep in mind that YOU are the one who can say for what purpose the money is meant for. Hence, you judge as per your requirement.

      Reply
  22. Hi Basu,

    Great Article..! I have a question and appreciate if you can clear my doubt.

    Suppose i took a Sbi Maxgain Home Loan of 20 Lacs in December’16 and my EMI is Rs 20K. Now in January’17 if i park a sum of 2 Lac in my maxgain home loan account, how would i get the benefit of interest earned? Condition- My EMI will not change , and as you said above in your article that the Principal amount remain fixed.

    In short, will sbi pay the interest earned seperately in my loan account?

    Thanks,

    Reply
    • Prateek-When you deposit Rs.2 lakh then the outstanding principal for those period get reduced. Hence, the constant interest part of your EMI will get reduced. This reduced interest will be paid you back in available balance. This is your earning.

      Reply
  23. Hello Basu,

    I have SBI Maxgain HL since Oct. 2015. If I am right then it is base rate and not MCLR based loan. Is it right time now to switch to MCLR type? Thanks

    Rakesh

    Reply
      • Thanks for the prompt reply. Current IR is 9.50%. With MCLR the interest rate will vary annually or quarterly. so does it mean IR can go above 9.50 or will it remain bel0w it for loan period?

        Reply
  24. hi

    I have took SBI maxgain loan of 20 Lakh for 20years loan period . If I prepay amount of 3 Lakh. then how much interest will be reduced and will bank reduce my loan period?

    Reply
    • Parikrama-If you prepay towards principal then either EMI will reduce or tenure. Check with bank.

      Reply
  25. Hello Mr. Basu,

    the building is in construction and I have Max gain HL of 35 L, of which 15 L has been disbursed to builder and I deposited 15L to bank.
    Now the bank is still having 35 L as initial. Can I request bank to disburse 35 L to builder or only disbursement of the remaining amount 35-15 = 20 L is possible?

    Thanks and Regards,
    Rakesh

    Reply
      • what if building construction has been completed, in that case also only remaining amount?

        Reply
  26. Hi Basavaraj,

    Could you pls explain the difference between SBI MaxGain and (Central bank of India) Cent home double plus products.

    Thanks,
    Shashi

    Reply
    • Shashi-Let me go through it and come up with different post.

      Reply
    • Did you get the difference between SBI MaxGain and (Central bank of India) Cent home double plus products.

      Reply
  27. Hi Basu,
    Really informative article!

    I have a home loan going on since the past 3 years,
    I recently received another offer from a different nbfc, to port my loan,
    What are the clauses you think I should be taking care of and paying extra caution?
    Thanks

    Reply
  28. Hi Basu,

    I am planning to book a under construction flat costing about 75 lac, for which I need home loan of 58 lacs.
    I would like to get the home loan from SBI. Between Maxigain, Flexipay, and normal home loan, which one will be suitable for me and will get maximum Tax benefit

    Please suggest and highly appreciate your kind advice.

    Thank You

    Reply
  29. Dear Sir,

    * I Have SBI Max Gain (OD) Account.
    * In FY 15-16, My DP=AB, means BB=0.
    * That’s why Actual “DEBIT INTEREST” part is zero.
    * My EMI is going on.
    * PROVISIONAL HOME LOAN INTEREST CERTIFICATE shows considerable amount as “Interest” part (downloaded from SBI online banking)

    May I able to get Sec.24 B Tax benefit ?

    Reply
    • Dear Sir,

      I have same question as mentioned by you. Please can anybody try to answer this.

      Kind Regards

      Reply
      • Abhijit-If your interest part throughout the year is ZERO, then how can you claim the tax benefits under Sec.24B?

        Reply
  30. Hello Basavaraj,

    if bank loan agreement is done and not a single request for disbursement will be done from our side. Will this create any kind of problem?
    Thanks

    Reply
      • thanks Basavaraj. I was skeptical because some times even the borrower wishes to close the loan the bank either levied penalty or not allow for loan closure before tenure. I thought for non payment request also they may impose such penalty.

        Reply
          • Thanks 🙂

            Reply
            • Hello Basavaraj,

              the first disbursement of 20L from Bank is gonna take place soon. I am having 15 L as a saving. I opted for pre-EMI. The building is under construction.

              I am confused whether

              1) to pay 15 L to builder ?

              2) when I can pay 15 L back to bank after 20L disbursement or have to wait till possession. Is there any such limitation for repayment of pre-EMI.

              Thanks

              Reply
              • Rakesh-1) It depends on you. 2) There is no such restrictions. If you send the demand notice to bank, then they release. Otherwise you have to pay to builder.

                Reply
  31. Hi Basava,
    I need to understand that under SBI Home loan plan, whether the term loan plan is better of Maxgain plan is better. I am unable to understand the differece between both the plans offered by SBI. Request for the needful please.
    Thanks in advance

    Reply
    • Anurag-Term loan plan is regular loan and SBI is different product. Chose the one based on your requirement.

      Reply
  32. Hi Basawaraj,
    I have applied home loan in SBI. Since this is my third property, so I am not eligible for SBI Max Gain product as per SBI representative. I will get normal home loan.

    My first question: is it valid constraint for maxgain product?
    Second question: – Suppose I will close my first property outstanding balance after 5 years. Then, am I eligible to convert my normal home loan to SBI Max gain for my third property?

    Thanks,
    Jayanta Kumar

    Reply
    • Jayanta-I don’t know that third-time applier will not be eligible. Don’t believe the representative also. Let him show the rule book.

      Reply
  33. i am very much confused iabout sbi max gain benefit.IF i parked INR 50000 /-as surplus amount in my sbi home loan account.WHCIH IS BENEFIT? HOW CAN I CALCULATE PER MONTH?

    Reply
    • Mahesh-When you deposit any surplus then you will earn interest on such surplus, which is equal to your loan interest. Such interest will be again parked in available balance. What more confusion for you?

      Reply
  34. Sir, I took 30 lakhs maxgain home loan for 20 years from sbi which was disbursed on 24-09-2015. I opted for EMI @ 30000 p.m. on 3rd of every month. Is the date of EMI is correct or shall I go for 28th of every month so that i can park the emi amount for 25 days every month in my saving account thus earning interest on emi amount or putting emi date 3rd of every month will park my emi amount in maxgain account thus earning interest on emi amount more than in saving account. Pls advise.

    Reply
    • Kishore-Interest on such parked amount is calculated on daily base. Hence, you may not feel the benefit on immediate EMI, but you get the benefit in next month EMI. So don’t change the date.

      Reply
  35. R/Sir,
    I have a sbi max gain HL act sanction 20 Februar [email protected]% intrest rate.Pls tell me what is intrest rate w.e.f. september 2015 my old sbi max gain HLPls also tell me My above act. Presently EMI per lac ?ok & Thanks.

    Reply
    • Harindra-Contact your bank to know the current interest rate and the EMI.

      Reply
  36. Hi Basu,

    I have seen on Encumbrance certificate i have seen one field Nature & Mrkt. value,Con.Valu. Can you please explain all those .Especially i could not understand Con.Valu.

    Reply
    • Chennaiah-Construction value means the cost of construction of property.

      Reply
  37. The flexibility in the payment also affects the negotiations on pricing. The advantage of drawing payment on requirement basis adds to the benefits with choosing the payment plan with builder, provided approved by SBI.

    Reply
  38. HI Basava.

    It was very nice article . What i understand is that Major Benefits of the Max gain scheme is below .

    1) You can reduce the total interest you end up paying to the bank compared to normal loans during the loan tenure
    2) You can withdraw the deposited money anytime .

    But one thing i dont understnad is instead keeping the money in savings bank which gives an interest rate of 4 putting in max gain will give you 9.75% and that interest accrued either you can withdraw or if you leave it as it is you can save more interest monthly .

    Is that right ?

    Reply
  39. Dear Sir,

    I have took SBI maxgain loan of 12Lacs for 25 years loan perod .My question is if i prepay amount of 1Lacs rs. then how much interest deducted then after and is there any deduction in my loan period??

    Reply
    • Vikas-That is what I pointed. When you deposit any surplus then it will not change your loan period. The interest earning will be equal to what your loan interest.

      Reply
  40. Hello sir, we are thinking of applying maxgain SBI home loan… Can u suggest whether to opt for 10, 15 or 20 year as tenure period….. Which will be beneficial… If already applied is it possible to reduce tenure period at a later stage….

    Reply
    • Shweta-Choosing the tenure of loan is entirely personal matter. I can’t say which is BEST.

      Reply
  41. Very good article Basa. Very useful.

    Reply
  42. Sir,
    I am planning to buy a second hand flat around 55 Lacs(+ registration) on may-2015. I have cash around 40Lacs at hand. Should i use the full amount from hand and rest is from home loan OR should i take a part of amount from hand ? Please also mention the better tenure period for the loan.
    fyi – this is my first property.

    Reply
    • Nelson-Living on credit is always bad. You may be potential customer to lenders. But they are into business. Also whether to go for loan or utilize the cash is depend on purely yoru call. Like how you want to utlize the cash in hand, in case you go for loan. Otherwise, how the saved EMI be utilized properly to grow your welath. I can’t answer on this (because even I don’t know your tax issues). But to me living on loan is not suggested.

      Reply
      • Thank you for your opinion sir. your financial tips helps many of us. Thanks for the great support.

        Reply
  43. Hi Basavaraj,
    I have the Maxgain account from SBI and parked some surplus amount there. This is showing up as available balance in the statement. However, I am not able to with draw any amount from this account. In the transfer page only the SB account is displayed as the from account. I have not received any cheque book or ATM card for the OD account either. Do you know any reason for this and how to fix it?
    Regards,
    Sandeep

    Reply
    • Sandeep-I am unable to understand, why you can’t withdraw this available balance. Please contact the servicing branch of your loan.

      Reply
  44. Hello Basavaraj,

    I am new to your website but find it very useful in understanding a lot of financial jargons.

    I am planning to buy a house soon and will expect to have surplus cash in batches.

    What would be the best way to go ahead ? I dont have a SBI account as of now. Should I open one first and closer to the purchase, get a SBI max home loan OD account ?

    Also, from your presentation, what I understand is, we can pay towards the loan taken i.e. pre -closure of loan in batches and there will be no charges on that ?

    Thanks once again

    Regards
    Amith

    Reply
    • Amith-If you are expecting some surplus then it will be better to go ahead with this scheme of loan. Yes, as of now there will be no penalty on pre-closure.

      Reply
  45. sir please throw some light on topup loan in home loan also….I mean I want to buy a flat by taking 24 lakh home loan for 25 yr and personal loan of 5 lakh for 5 year and so I want to know wheather I can close my personal loan after one year or two by taking topup loan as it was given somewhere in other site that top up loan attracts leaser interest than personal loan

    Reply
    • Anuj-It is better to go for top-up loan than personal loan. Because personal loan interest rate will be higher. But how much top-up they approve depends on the appreciation in property and the outstanding balance.

      Reply
  46. Hi basu thank u for comparing both the types. My doubt is what’s d rate of interest calculated for d excess cash deposited & added to the available balance.

    Reply
    • Sudheer-It is same of what your home loan interest they charge to you.

      Reply
  47. hi Basu ,or t
    Thanks for the info .

    need some suggestion .

    i just checked – the current interest rate for SBI maxi gain is – 10.15 (base rt +30bps)=10.15 and this is a floating rate.
    to be frank , i am a bit afraid of floating rates , it may go up any time and i am supposed to pay the equivalent when ever it raises, but if the rate reduces , well it dosnt occur very often .

    interest rate increased vs interest decreased in a year on an avg , i can see that the banks had raised the interest rates immediately when ever there is an opportunity .even then for me to benefit from a less base rate during tenure, i have to pay the conversion fee..

    there a fixed interest rate from ICICI for 10 years – 10.25 = fixed rate for the entire 10 year and then floating rate (20 year total tenure) – looks like a good deal form me , what do you say ?

    advantages
    -tension free , i am planning to preclose at the 11 or 12th year when i becomes floating, so there is no preclosure fee during floating.

    disadvantages:
    if floating rates go down further during the tenure , i am at loss , i dont think so that there would be further decrease .do you feel that there would be a further decrease?.

    and maxigain from SBI –

    1)can be used as OD account – can plan the interest rate based on the surplus amount deposited ,but you can see the actual difference only if the surplus amount is a 6 six figure amount – i dont have that much cash in hand….
    2)the difference between the two loan products (ICICI ,SBI) interest rate , i am just paying 0.10 difference of rate(10.25 ICIC-10.15 SBI)

    please advise if my direction is correct for ICICI fixed loan @ 10.25 , i dont believable in floating nowadays and looking at the historical floating rate fluctuation data ,its risky.

    thank you.
    deepak

    Reply
    • Deepak-I understand your apprehension. But considering the current trend of interest rate downward, you can opt for floating rate. Regarding MaxGain, it depends on frequency and quantum of amount you deposit. More deposit for more days then more earning. You can go fixed rate at later stage. Because as of now interest rate is at southward. Again if you feel you expect some surplus in frequent mode then SBI MaxGain is good.

      Reply

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