A small tweak in home loan strategy helped one borrower save over ₹19 lakh in interest, and finish his loan six years early, without paying a rupee extra. Sujit Bangar, founder of TaxBuddy.com, explains how a lesser-known loan variant called Home Loan OD made it possible.

In a LinkedIn post, Bangar compared two borrowers—Suresh and Ramesh—with identical ₹60 lakh loans but vastly different outcomes. Ramesh followed the standard route, earning meagre interest on his ₹8 lakh savings while paying full interest on his home loan. Over 20 years, he paid nearly ₹65 lakh in interest. Advertisement

Suresh, on the other hand, opted for a Home Loan OD or Super Saver account. His ₹8 lakh was parked in an overdraft-linked loan account, which immediately reduced his interest-bearing principal to ₹52 l

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