[Resolved]  Punjab National Bank [PNB] — waiver request for education loan

Address:

Howrah, West Bengal, 711204

Respected sir/madam,
My name is lowkesh kumar sharma, resident of liluah, howrah, west bengal, taken an education loan from punjab national bank, belur branch, howrah, west bengal, in the year 2009 which was amounting to rs.4, 00, 000/- for mba education from international institute of business management, new delhi, which was tribally got completed in the year 2011. But i have not got any placement from the collage because collage got shutdown after the completion of our programme and we were the last batch of that collage.
After the completion of mba i have struggled a lot get my 1st job but finally after struggled of 6 months i got my first job of rs. 12, 000/- per month in the mean time i went to bank branch to submit my documents of the (Final semester report), at that time bank has not shared the loan repayment plan.
After 2 years form 2011, i have received the letter and calls from bank that i am not paying the loan emi’s and ask me to come to branch, i went there had a talk with the branch manager he said that the your total loan outstanding approx. Amount is rs.6, 00, 000/- in total then i ask him that how it’s come so big amount at that time he said you have not paid the amount during & after the programme for 2 years that’s its come after including interest and principle, i also informed that i have not got any intimation from branch about the repayment plan that’s why i did not payed he said at time ok this is your payment plan monthly emi’s of rs.9965.25 per month.
I informed the bank sir i will not being possible for me to pay this much amount every month from the salary of rs. 12, 000/- it will be difficult for me but then also i have paid the installment but not on regular basis and till today i am doing it so, till[protected] i have paid the total amount to rs. 5, 27, 000. But still its showing my loan outstanding amount is rs.6, 12, 000/-. If i need to make payment of this amount more then again it will take at least 4 to 5 years more which is very much impossible for me to survive and support my 5 members of my family.
Also, i would like to inform you that i did not receive any subsidy on the loan amount form the government end though there were so many subsidy and loan waiver facility launched by previous and present government.
Sir/madam, its my humble request to you please look into the matter at the earliest because i need to support my family for their survival.