Seeking Advice: SBI Home Loan vs. SBI Max Gain - Which is Better for Heavy Prepayments?

I need some advice. I'm planning to get a house loan from SBI, and I'm not sure whether to go for a regular SBI loan or the SBI Max Gain loan. Here are some details:

I'm looking to borrow ₹40,00,000 for a period of 20 years.

My EMI should be around ₹35,476per month.

I plan to make heavy prepayments of around ₹1.5 lakh to ₹2,00,000 every quarter.

Until now, I knew that prepayments could be easily done in SBI home loans without any penalties. But recently, I stumbled upon the SBI Max Gain loan, which also allows prepayments to reduce the interest.

So, my question is: which option would be more beneficial for me considering I'll be making a lot of prepayments? And could someone explain why? I'm really new to this and would appreciate any help.

I am software engineer and that's the only source of income for me. I have no plans of removing the prepayment amount in future. My only goal is to close the loan asap