Hello,

Please help me understand this.

I have deposited and withdrawn surplus amount many times in my maxgain account and now i have lost the track of exact surplus amount. I was told that the amount in ‘available balance’ section is my surplus account. But whenever my EMI gets transfered from my SBI savings account to maxgain account, it goes and adds upto ‘available balance’. 

Query – Does it mean that the amount in available balance consist of surplus amount + the montly EMI principal payment?