I read your blog and then decided to switch from DB bank to SBI Max Gain. It has been about three months and i am now confused with the calculation to such a extend that it is now bothering me a lot.I do not know if I am getting the Max Gain advantage .
All details are attached in a excel sheet
| Txn Date | Value Date | Description | Debit | Credit | Balance |
| 03-Oct-13 | 03-Oct-13 | Paid to DB Bank Loan Amount | 46,29,047.00 | -46,29,047.00 | |
| 24-Oct-13 | 24-Oct-13 | Transfer to SBI Max Gain | 10.00 | -46,29,037.00 | |
| 26-Oct-13 | 26-Oct-13 | Transfer to SBI Max Gain | 1,00,000.00 | -45,29,037.00 | |
| 31-Oct-13 | 31-Oct-13 | DEBIT INTEREST— | 37,713.00 | -45,66,750.00 | |
| 14-Nov-13 | 14-Nov-13 | Transfer to SBI Max Gain | 1,00,000.00 | -44,66,750.00 | |
| 16-Nov-13 | 16-Nov-13 | BULK POSTING—EMI | 54,084.00 | -44,12,666.00 | |
| 30-Nov-13 | 30-Nov-13 | DEBIT INTEREST— | 38,539.00 | -44,51,205.00 | |
| 14-Dec-13 | 14-Dec-13 | Transfer to SBI Max Gain | 25,000.00 | -44,26,205.00 | |
| 16-Dec-13 | 16-Dec-13 | BULK POSTING—EMI | 54,084.00 | -43,72,121.00 | |
| 18-Dec-13 | 18-Dec-13 | Transfer to SBI Max Gain | 100.00 | -43,72,021.00 | |
| 19-Dec-13 | 19-Dec-13 | Transfer to SBI Max Gain | 1,00,000.00 | -42,72,021.00 | |
| 31-Dec-13 | 31-Dec-13 | DEBIT INTEREST— | 38,942.00 | -43,10,963.00 | |
| 07-Jan-14 | 07-Jan-14 | Transfer to SBI Max Gain | 49,000.00 | -42,61,963.00 | |
| 14-Jan-14 | 14-Jan-14 | Transfer to SBI Max Gain | 50.00 | -42,61,913.00 | |
| 14-Jan-14 | 14-Jan-14 | Transfer to SBI Max Gain | 250,000.00 |