This is a great information pool on the max gain account. Thank you.
After understanding the whole logic around max gain OD account, I tried it myself by tranferring surplus of around rs. 8000 into my OD account from savings account. It immidiately deducted rs. 8000 from the loan outstanding balance. But, I was expecting the amount to remain in the OD account for my use as per your explainations so far.
But, when I see the account details in OD, it is showing up 0. Even I tried transferring rs. 5000 to savings account (silly idea.. but… tried) to see if something gets transferred from black hole account but the transaction failed. Now, how do I make it work like the way you said, where, the surplus amount deposited is available for taking out if required and dont want the laon account to use it up just like part payment.
Please help, thanks.