Skip to content
100% Client-Side • Zero-Knowledge • No Bank Accounts or Loan Balances Stored
Updated for October 2026 RBI Policy (October 25, 2026): Benchmark repo rate at 5.50%. SBI EBLR updated to 8.15% (+0.40% MaxGain spread = 8.55% OD rate).
99% CRR Liquidity Floor
SBI MaxGain & Overdraft EngineRBI EBLR Linked

Home Loan Overdraft (SBI MaxGain) Calculator

Model daily interest savings by parking surplus emergency cash in your linked OD account. Factoring in the +40 bps spread premium, break-even thresholds, and 100% liquidity preservation.

Loan & Overdraft Parameters

Enter your loan amount, standard interest rate, and bank spread

$

Total principal sanctioned by the lender

Sanctioned loan amount range slider$5,000,000
$1000000 $20000000
%

Base floating repo-linked rate for standard term loans (e.g. 8.15% - 8.50%)

8.5
6.5 12
Effective Overdraft Rate:

8.5% base + 0.4% bank spread

8.9% p.a.
years

Contractual repayment period

20
5 30
$

Cash parked in your MaxGain current account (Emergency funds, bonuses, savings)

1,000,000
0 5000000
$

Extra salary savings deposited each month into the OD account

Private & Secure: 100% computed in browser. Zero data or files sent to servers.
Overdraft Verdict
Savings Active
Total Interest Saved vs. Standard Loan:
+$2,654,560

Maintaining ₹10,00,000 parked surplus saves ₹26,54,560 in lifetime interest and cuts 5.1 years off your loan while retaining 100% instant liquidity.

Tenure Shortened:5.1 Years (61 mo)
Break-Even Surplus:$224,719
Effective Tax-Free Yield:8.9%
Equiv. 30% Slab FD Return:12.94%

Overdraft vs. Direct Prepayment

Comparing parked liquidity against permanent principal prepayment

SBI MaxGain OD
Liquidity: 100% Available
Tenure: 15 Yrs
Interest: $2,759,319
Direct Prepayment
Liquidity: 0% (Locked Forever)
Tenure: 13 Yrs
Saved: $2,907,637
💡 The Liquidity Edge:With SBI MaxGain, your parked ₹10,00,000 saves compounding interest daily while remaining 100% withdrawable via Net Banking and ATM for hospital emergencies, business inventory, or tax deadlines.
Private & Secure: 100% computed in browser. Zero data or files sent to servers.

Yearly Balance & Savings Progression

Comparison of outstanding balances over the loan lifetime

YrStd BalOD BalInt. Saved
1$4,900,489$4,828,419$72,070
2$4,792,181$4,640,929$151,252
3$4,674,300$4,436,054$238,246
4$4,546,000$4,212,183$333,817
5$4,406,359$3,967,554$438,805
6$4,254,375$3,700,243$554,132
7$4,088,958$3,408,147$680,811
8$3,908,918$3,088,966$819,952
9$3,712,965$2,740,191$972,774
10$3,499,691$2,359,077$1,140,615
11$3,267,566$1,942,625$1,324,941
12$3,014,924$1,487,559$1,527,365
13$2,739,949$990,298$1,749,651
14$2,440,670$469,604$1,971,066
15$2,114,937$0$2,166,027
16$1,760,412$0$2,332,196
17$1,374,551$0$2,467,028
18$954,583$0$2,567,754
19$497,493$0$2,631,358
20$1$0$2,654,560
Private & Secure: 100% computed in browser. Zero data or files sent to servers.
Total Interest Saved+$2,654,560