I have 20 lac Home loan with current int rate 8.65 . Next reset date for this account is on 01-AUG-2020 and the expected ROI on next reset is 8.45 %

Current New Home loan interest is 7.5
If I go for conversion today, my savings would be around 85,000 Rs

Can I go for conversion immediately? or go after August?

Please suggest me for Home and my top-up loan?

And I have 8 lac top-up loan current int rate 9.2 Next reset date for this account is on 01-AUG-2020 and
the expected ROI on next reset is 9.00 %

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