State Bank Of India — Process fee as Hidden charges

Address:

Visakhapatnam, Andhra Pradesh

I took home loan through SBI, Visakhapatnam. As per the information given by branch manager, process fee need not to be paid for the loans processed within the period of march'15. Documentation process for release of loan amount was completed on 28/03/2015 and stamp duty & other miscellaneous charges debited on the same date from my SB account. No process fee collected. No loan amount was took at that time. When I take loan amount, they collected 50% of process fee while releasing loan amount. I could not understand why they collected process fee when account was opened during the waive period.? The period between loan documentation & release is less than 3 months (not exceeded six months). No where written/verbal instructions provided for me. I came to opinion that Nationalized banks like SBI also are not exceptional for hidden charges.