Clarification sought on interest housing loan

State Bank of India has a housing loan scheme "Max Gain", this allows borrower to operate this loan account as overdraft account, ie, whenever he has surplus saving he can deposit in to the account and similarly he can withdraw whenever there is a need, if the drawing power is there in the account. So the question is if a borrower deposits some amount from his savings to reduce interest burden and with draws the same after few years for some personal urgency, whether the increase in interest can be still claimed under income from house property, since the additional savings which were deposited earlier resulted in lesser interest earlier and the borrower instead of investing elsewhere he had done this in housing loan account. Hence his withdrawal of additinal savings will not actually mean that he has used the housing loan itself for personal reasons. Kindly give your views / expert opinion.