Before assuming that the overdraft savings balance directly reduces interest on the outstanding loan, what other things should I verify regarding whether Bank of Baroda applies a daily reducing balance calculation, any minimum balance rules, or hidden overdraft-related charges that could affect the actual EMI–principal split?

I am looking to apply for a new home loan, so tell me: which bank currently offers the best interest rate on home loans? Also, tell me ideally what should be my CIBIL score to apply for a home loan.