• How could I change SBI Home Loan from Suraksha plan to MAXGAIN plan?


Recently a month ago, I purchased a home loan from SBI. I opted for SBI maxgain scheme but now when I see Home loan type in my online account details, I found it to be ‘SBI Suraksha HL’ as its description. I don’t have any benefits of maxgain facilities.
When I went to the bank asking for the change, the branch manager says – “Its too late, it could not be changed to Maxgain. All the loan documents have been finalized”.
I cannot really digest this statement.

So my question is – Isn’t there any way to get the home loan changed to Maxgain?? If yes, then how.

Thnks in adv

4 Answers

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1 Manish Chauhan August 5, 2012 at 3:01 pm

Didnt you check in start that its being transferrred to MAXGAIN or you just assumed it would be


2 Ashal Jauhari August 5, 2012 at 3:13 pm

Dear Abhi, at the time of application, had you told verbally to your bank manager or write the WORD – MAX GAIN in the application form itself.

If you had written down, there is a clear case of shoddy service. Complain about it to the AGM of your branch.




3 AbhiSinghal August 13, 2012 at 12:24 am

I am not 100% sure but as far as I remember, I had written MAXGAIN in application form. Actually, I applied under PAL category(in which the property to be bought is not confirmed) but I dont think it has anything to do with loan type – maxgain or suraksha or else.

Ashal, could you please tell me how could I now check with bank whether i had written MAXGAIN in application form or not?

Lets say in worst case, if I had not written anything in the form, then what is the procedure of converting the loan to maxgain type.



4 Ashal Jauhari August 13, 2012 at 1:04 am

Dear Abhi, please contact the RACPC from where your loan was sanctioned.




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