[Resolved]  Standard Chartered Bank — Excess EMI deducted

I had taken a Personal Loan from the above bank about 4 years back, with "ONE EMI Waiver" criteria, provided there is no default during the EMI period. I have completed 47 (out of 48) EMIs successfully without any default and now when I am supposed to get one EMI waived out, it is found that the amount actually getting waived out is much lesser than the EMI amount that I had been paying all the 47 months. This has resulted because the EMI amount charged by the bank was higher and now the bank is refusing to give me a benefit (credit) for the differential between the EMI amount and the waived off amount.

Kindly let me know, how do I get this redressed.