Central Bank Of India — Subsidy related problem. And repayment related problem

Address:

Madhubani, Bihar, 847231

Sir
I am akritya kumar anand.My education loan account is [protected] from central bank of india pandaul madhubani(Cbin0281398).
In my account subsidy not comming.I taken loan in jun 2010.My course duration was 4 years[protected].I allready paid principle amount(240000).
Branch manager said subsidy aur not comming in your account.Other problem in account is pannel interest start on aug 2012.But they will be start on aug 2014.
So please resolve my problem
1>why sybsidy not comming my account.(Till date)
2>why my pannel interest start aug 2012.In low pannel interest start on aug 2014.
Thanks sir,
Akritya kumar anand