Repayment & overdraft
Explore surplus cash, OD accounts, prepayments and balance transfers.
Repayment & overdraftHow a home loan overdraft works
How surplus money offsets home-loan interest, when you can withdraw it and which account conditions to check first.
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Repayment & overdraftOD or regular home loan?
Find the average surplus needed to cover an OD rate premium and fees. Try the comparison with your own numbers.
Read guide →Repayment & overdraftPrepay the loan or invest?
Weigh interest saved against cash you may need and investment uncertainty, using a ₹3 lakh part-payment example.
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Repayment & overdraftIs a home loan transfer worth it?
Check whether lower interest will recover the cost of moving your home loan—and how long that could take.
Read guide →Educational guidance, not a personal recommendation. Primary sources are linked. Articles are prepared with AI assistance. How we prepare and maintain guides.