Kotak Mahindra Bank — Amount on hold

Address:

Kotak Mahindra Bank delhi

Dear Sir/ Madam,

I am a customer of kotak mahindra bank.i have taken a personal loan also there was some delay happen in paying emi on time but I have paid on same month.this month July 22 I received some amount from my previous employer the moment has hit in my account bank has hold 30000 rs against the previous emi delay charges which 2516 rs. Which have deducted also after 2 days along with the current month EMI and rest 16961 rs is still on hold for 5 working days that to without any interest.is it right to hold excess amount on which bank has no right.

Please help