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Last Updated On 04-Dec-2025
Banking

Refund from Homeloan

મેં ઘર ખરીદવા માટે SBI માંથી રૂ.૧૦ લાખ ની લોન તા. ૩૧/૧૧/૨૦૨૧ મંજુર કરાવેલ. અને આ લોન તા. ૯/૯/૨૦૨૫ માં એડવાન્સ પેમેન્ટ કરી ચૂકતે કરેલ છે. બેન્કે મારા લોન ખાતા માં ૧૦ લાખ આઉટ સ્ટેન્ડિંગ બતાવી તા. ૩૧/૧૧/૨૦૨૧ થી જ વ્યાજ વસુલી રહી હતી. જે હું ૯/૯/૨૦૨૫ સુધી ભરતો રહ્યો હતો. મારા બિલ્ડર ને બેન્કે ને રૂ. ૯ લાખ તા. ૩૧/૧૧/૨૦૨૧ રોજ આપેલ અને બાકી ના રૂ. ૧ લાખ DD નંબર ૭૮૮૨૭૧ દ્વારા તા. ૧૬/૯/૨૦૨૫ ના રોજ આપેલ. જે લોન બંધ કર્યા પછી ચૂકવ્યા છે. મેં તા ૩૧/૧૧/૨૦૨૧થી તા ૯/૯/૨૦૨૫ સુધી રૂ. ૧૦ લાખ ના વ્યાજ પેટે દર મહિના ની ગણતરી મુજબ રૂ. ૨,૯૫,૨૦૬/- વ્યાજ ની રકમ ભરેલ છે આ રકમ ના રૂ ૧ લાખ ના ભાગે કરતા મેં રૂ ૨૯,૫૨૦/- વધારે ભર્યા છે. કેમકે બેન્કે માત્ર રૂ. ૯ લાખ જે મારા બિલ્ડર ને ચૂકવેલ છે.

( Ahmedabad, Gujarat )

10-Oct-2025

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A.
Dear Client,

You have effectively paid interest on Rs.10,00,000 for the entire period even though SBI actually disbursed only Rs.9,00,000 till 09/09/2025, and the last Rs.1,00,000 was released by DD only on 16/09/2025 after loan closure.

This means you have a clear, quantifiable excess interest of about Rs. 29,520 on that undisbursed Rs. 1,00,000, and you can formally demand refund/adjustment of this excess by giving a written complaint to the branch enclosing the sanction letter, disbursement details, closure letter, and an interest‑recalculation sheet.

If the bank does not resolve it, you can escalate to the bank’s nodal officer and then the Banking Ombudsman/Integrated Ombudsman Scheme, asking for refund of excess interest with compensation for deficiency of service.
Posted On 04-Dec-2025
Gourab Das Advocate Gourab Das
Gourab Das
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