3D Visual Story

Home Loan Overdraft (MaxGain) vs Equity SIP: The Smart Strategy

Understand how parking surplus funds in home loan overdraft generates risk-free 8.75% tax-free savings with complete liquidity.

Episode #04

Home Loan Overdraft (MaxGain) vs Equity SIP

8.75% Guaranteed Tax-Free Savings vs 12% Market Equity SIP

🎨FinComics 3D Studio

#1The ₹10 Lakh Dilemma

₹10L Surplus

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Aman(Homeowner)

“I have ₹10 Lakhs in savings. Should I prepay my 8.75% SBI Home Loan or invest it into an equity mutual fund SIP?”

📌Aman worries that standard prepayment locks his liquidity forever, while equity has short-term market volatility.

#2The MaxGain Overdraft Secret

8.75% Tax-Free

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Priya(Financial Planner)

“Aman, park your surplus in an SBI MaxGain Home Loan Overdraft account! As long as the balance sits there, you pay ZERO interest on that portion.”

📌The overdraft balance yields a guaranteed, risk-free 8.75% tax-free saving while remaining 100% liquid anytime.

#3The 12.5% LTCG Tax Reality

Post-Tax Math

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Priya(Financial Planner)

“Equity mutual funds delivering 12% yield approx ~10.5% post 12.5% LTCG tax. Saving 8.75% home loan interest is completely risk-free and tax-free!”

📌Priya demonstrates that guaranteed interest reduction is equivalent to a risk-free post-tax yield.

#4The Perfect Dual Strategy

Optimized Plan

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Aman(Confident Investor)

“Brilliant! I will park my emergency buffer in the home loan overdraft to slash 7 years off my loan, and continue monthly SIP with the rest!”

📌Aman now calculates exact interest saved and tenure reduction on fincalculator.in.

Enter your loan amount, interest rate, and monthly surplus to test the numbers.

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