Can I choose to transfer more savings from the Special Account to the Ordinary Account since I am still servicing my housing loan/education loan etc.?
When your Special Account (SA) is closed after your Retirement Account (RA) is created, any remaining savings in your SA that are withdrawable on demand will be transferred to your Ordinary Account (OA).
 
You may use the portion transferred to your OA for your housing loan/education loan (subject to applicable limits) or choose to withdraw them anytime for your immediate needs. You cannot choose to allocate more SA savings or your future RA contributions to your OA to service your housing/education loan, etc.
 
If you are using your OA savings to service your housing loan, you may apply to reserve your OA savings prior to turning 55 years old for housing payments beyond age 55. The amount reserved in your OA will not be transferred to your RA.  

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