Surplus Parking Engine · MaxGain / Reach Style
Home Loan Overdraft Calculator
Home loan overdraft account (SBI MaxGain, HDFC Reach) mein surplus cash park karke bachayi gayi annual aur lifetime interest calculate karein. Seconds mein effective rate aur parking strategy project karein.
Verdict
Moderate Case — Parking Helps
Effective principal: 60%
Annual Interest Saved
₹1,00,200
Lifetime: ₹20,04,000
Annual Interest (Regular Loan)₹2,55,000
Annual Interest (Overdraft)₹1,54,800
Effective Annual RateEffective Principal Earning Interest: ₹18,00,000
5.16%Annual Interest Saved₹1,00,200
Annual Interest (Overdraft)
₹1,54,800(61%)
Annual Interest (Regular Loan)
₹2,55,000(39%)
Home loan overdraft aapka paisa bachata hai ya nahi — kaise tay karein
- Step 1Apna average parking balance estimate karein
Salary + surplus credit jo aap OD mein rakheinge.
- Step 2Rates compare karein
0.10%-0.50% premium normal hai.
- Step 3Savings calculate karein
Har ₹10 Lakh park karne par ₹85,000/year bachat.
- Step 4Liquidity benefit ka weight karein
OD aapki cash accessible rakhta hai.
Frequently Asked Questions
Home loan overdraft kya hota hai?
Home loan overdraft (jaise SBI MaxGain, HDFC Reach) ek hybrid home loan hai jahan bank ek limit sanction karta hai (jaise ₹50L) lekin aap sirf actually jitna draw karte hain us par interest dete hain. Linked overdraft account mein park kiya gaya koi bhi surplus cash aapke effective principal aur daily interest ko kam karta hai.
Apne OD account mein ₹10 Lakh park karke main per year kitna bachata hoon?
8.5% ki OD rate par har ₹10 Lakh park karne par, aap per year ₹85,000 interest bachate hain (₹10,00,000 × 8.5%). Actual saving OD rate, aapke average parked balance, aur regular term loan ke saath rate differential par depend karti hai.
Kya OD account mein paisa park karne se mera principal kam ho jata hai?
Nahi — OD account mein cash park karne se aapki sanctioned limit ya outstanding principal kam nahi hota hai. Yeh sirf us daily utilization ko kam karta hai jis par interest liya jata hai. Aapka monthly interest bill drop hota hai, lekin jab tak aap formally prepay nahi karte, principal balance same rehta hai.
Kya OD rate regular home loan rate se zyada hoti hai?
Often haan. OD loans equivalent regular term loan par 0.10% se 0.50% ka rate premium carry karte hain. Trade-off liquidity hai — aapka paisa OD account mein accessible rehta hai, aur OD rate × parked balance aapka effective return hai.
Kya main apni salary OD account mein park kar sakta hoon?
Haan. Zyada tar lenders salary ko directly OD account mein sweep karne ke liye standing instructions allow karte hain. Kai borrowers OD account mein 2-3 mahine ka kharcha rakhte hain aur baaki ko FDs ya mutual funds mein park karne se pehle har rupaye ka surplus cash iske through route karte hain.