How to gain more in SBI Home loan account for moratorium period ?

Hi all,

I have taken the loan of 40 L from SBI (Max Gain OD account) in Oct 2013. The flat cost is 56 lacs and possession is in Dec 2014.  Due to some tight cashflow situations, I preferred to opt for moratorium period (ofcourse 15 months).

Kindly guide how to save money in such situations and to get max benefit.

Thanks

Shantya