It depends on what you want. If you want an ability to draw money that you have paid extra then SBI is better, while if you want to close the loan faster, than Bob is better.
That being said, in both cases you save on interest on the extra amount paid.
Depending on the size of your loan, both SBI and BoB will enroll you into their premium facility i.e. SBI Wealth and BoB Radiance