A home loan with a unique feature. Park & take out idle money at will. Amount parked will reduce interest outgo. But you can take it out again!

It's not a new product (SBI Maxgain & similar) but few realise the scale of its benefits.

Why not just use idle funds to prepay the loan? What if you need the money after 3-6 months you might have to take a personal loan or credit card loan and pay a much higher interest