Currently my home loan is with ICICI bank at interest of 10.75% . I am planning to take BT to SBI at interest rate 0f 10.30. with max gain and OD facility. I am gaining less benefits as rate of interest is not difference between banks and I have expenses around 21100Rs. what is your suggestion as expert. also I have option of HDFC having interest rate 10.25 no other charges, processing fees nil. please give your suggestion.