except SBI no other bank provide this facility to make extra payment apart from EMI, not even HDFC. Moreover in other banks like HDFC you can visit branch(no online option available for pre payment) and pay ur xtra payment but that too is limited to just once a month and amount is also fixed how much u can pre pay while in SBI u dont have to worry about these things, u can make n number of pre payments in a month even if u want to pay 500 rs extra that is also possible and that too online. I think banks do it just to de moralize borrowers to make re payment bcz people might need to take office leaves and traffic issue will be also there so many people might delay it and banks can gain some more interest.