Struggling with idle savings? Overdraft home loans like SBI MaxGain let you park surplus in an OD account, reducing daily debit balance and interest. Model: ₹50 L loan, 20 yrs, 8% ROI. By parking ₹1 L monthly salary for 20 days, interest saved ₹3.2 L and tenor shrinks by 28 months. Net yield on surplus: 6.5% (tax-free). Downsides: 0.2% higher rate, minimum OD balance ₹25 k, no cheque-book for OD. We compare with ICICI Home Overdraft & BOB Home Suvidha. Keywords: overdraft home loan, SBI MaxGain benefit, surplus parking.