My grandfather built this house and saved ₹15 lakh using one bank trick   Hi, I am Chandralekha and I love talking about money.   My grandfather built this house and quietly saved ₹15 lakh on his home loan using a simple bank facility most people are never told about.   The method is called the Home Loan Overdraft (OD) facility.   Here is how it works in real life. Say you take an ₹80 lakh home loan for 25 years at 8.5% interest. Over the full tenure, you end up paying nearly ₹1.13 crore as interest.   Now imagine you already have ₹10 lakh in savings or an FD. If you deposit that amount into a Home Loan OD account, your effective loan principal instantly drops to ₹70 lakh.   Because interest is calculated daily on the outstanding balance, your total interest falls from around ₹86 lakh to ₹71 lakh. That is a ₹15 lakh saving without changing your EMI or tenure.   💡 What you should know ✔ Offered as SBI MaxGain, HDFC Home Save and similar products ✔ Interest rate is usually 0.5 to 1 perc...