Kotak Mahindra Bank — Excess Amount on hold against late fee charges

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Kotak Mahindra personal loan Delhi

Dear sir/madam,

I am a customer of kotak mahindra bank and I have taken loan also.last month June 22 there was a delay in emi payment which I have paid in same month. In July 22 I received some amount from my previous employer. The moment amount has hit into the account kotak bank has hold 30000 against the June month late emi repayment which is 2516 rs. When I made a complaint I got to know it will take 5 working days to release the balance amount although they have deducted their last month late charges along with current month EMI.
Why bank has hold the amount on which they have no.right.

My loan account no.- SPLN62317532

Please help.

Thanks and regards
Nishant sinha