Apy — premium collection

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I have APY In Bank of Baroda kamareddy branch, they are collecting amount on 22 or 24 th of every month and deposit in my apu a/c on next month 2 nd or 3 rd date, is this right process or bank using all customers amount 7 to 8 days free of cost, because I have to know what happening with my account as well as APY account, please reply me as soon as possible thank you sir/madam