I have a home loan of 30 Lacs under SBI Max Gain scheme. In my OD account I have kept 10 Lac What understanding I have about max gain is that SBI will not charge me interest rate on 10 Lac amount and SBI will charge interest on remaining 20 Lac only. And my 10 lac amount has no role in reducing principle it is just to save interest component. But I have to pay my 10 Lacs permanently towards 30L so that my outstanding loan remain 20 Lac. Can I do this and how I should approach them.
Thanks & Regards,