[Resolved]  State Bank Of India [SBI] — amt debited through ecs credited after 2 days

Address:

Thane, Maharashtra

I have availed home loan from sbi on 31st dec 2017 and emi started from 24th jan 2018.
On scrutiny of my salary account it is noticed that emi amt debited through ecs credited to my sbi loan account after 2days (Sometimes after 4 days also)
My query is why it not credited immediately on the same day.
Also interest rates revised not intimated to me as earlier wrongly into [protected]@ 10% instead of9% which was refunded by sbi after follow up.
Pl help as we can transfer emi through online trf and amt will be credited on same day.