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@olusanya800 Hello. No, I didn't take any top up loan. They had offered after a couple of years, but I didn't feel the need. I used to deposit all the money in this account and take the maximum benefit of interest saving. Your tenure reduces much faster through this account.

@olusanya800 Hello. I just repayed my housing loan of Bank of Baroda. Had a super Saver loan account. Saved a lot on the interest due to the super Saver or Maxgain feature. I had no troubles with the bank. I suggest you should try the BOB option. Best Regards.