Base rate to MCLR switch (SBI MaxGain)

Hi Sreekanth, Need your suggestion on whether to switch to MCLR from Base rate or not based on the scenarios explained below. I took a home loan from SBI in October 2014 and started paying EMI since November 2014. Scheme: SBI Max gain, Loan Amount: 29,50,000/-, Tenure: 20 years, ROI: 10.15% (Floating-Base rate) I parked few lakhs in OD account in last 3 years and below is the status as on today. ROI now is 9.1% Book Balance: -21,41,159.00 Available Balance: 6,60,222.00 Limit: 28,01,381.00 Uncleared balance: 0.00 Drawing Power: 28,01,381.00 Currency: INR Rate of Interest (% p.a.) 9.1% Lien Amount: 0.00 Scenario 1: For existing SBI Max Gain customers, if switched by paying @8.5-9K conversion fee, ROI will reduce to 8.65% or 8.8% MCLR. The difference is 9.1-8.65 = 0.45% or 9.1-8.8 = 0.3%, should I switch to MCLR from Base rate for difference of 0.45% or 0.3%? Scenario 2: For e.g. I park 21 lacs amount in OD account and level the balance and still don’t want to close the loan and continue to use money in OD account for few more years say 2-3 years for some personal reasons. Will switching now to MCLR from Base rate be good? Can you please let me know Pros & Cons for above scenarios, it will be of great help. BR, Krishna.