Kotak Mahindra Bank — excess amount received for foreclosure charges of car loan

Address:

Ur House, 1st Floor, No 1056C, Avinashi Road, Coimbatore -641018, Coimbatore, Tamil Nadu, 641018

I have taken car mortgauge loan from Kotak Mahindra Prime Ltd, Coimbatore branch on 16582595 dated 17 Dec 2018 for Rs 414400/-. Due to foreclosure of my loan, I have taken homeloan from ICICI Housing Finance Ltd, Cbe. Once the loan sanctioned, they issued outstanding amount of Rs 386634/- cheque issued to Kotak Mahindra Prime Ltd on 30 Mar 2019. Once, I asked Kotak Mahindra Prime Ltd to fore closure my account. They asked to pay Rs 31434/- for foreclosure charges. Subsequently, I have issued cheque for the same. Once, I have maint the bal of Rs 34000/- with my bank for the cheque. ICICI Bank without notice issued Rs 3240/- for 05 days housing loan EMI. This is not known to me. The cheque for the same has bounced due to insufficient funds. Today I went to Kotak Mahindra Prime Bank for cash payment, they asked to pay addl Rs 3000/- for interest and bouncing charges. Once, Rs 386634/- cheque received by them four days before. I asked them to what about the interest amount received for Rs 386634/-. They replied that interest payale for total principal amount. You are requested to instruct the interest amount for Rs 386634/- for 5 days with the bank to me at the earliest.