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Switching Home loan from IDBI to SBI Max Gain.. Is it good idea?

Hello,
I have existing home loan of ~20L from IDBI @ 11% interest. Last week I came to know about SBI Max gain and looking at its feature of reducing surplus amount from loan amount I think I should go for it.
Can anyone provide me expert advise on it. Does IDBI has similar load scheme?

Thanks,
Ram

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