Reserve Bank Of India (RBI) — Difference in Final Certificate & EMI‏

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New Delhi, Delhi

IDBI BANK LOAN A/C No :163/[protected] Customer ID:3787694 Hi I have taken a Home Loan from IDBI Bank. I already given my all EMIs but in every year the certificate given to me for principal + interest is not equal to the EMI given by me. Could you please explain why the amount charged to me as EMI is higher than principal +interest ? For example :2014-15- Final Certificate indicates Interest Amount Rs 7845 + Principal Component Rs 210070=Rs217915(total Amount) . EMI taken by you during the period 2014-15-Rs 219213.There is a difference of Rs 1298 which was overcharged to me. I have mailed to IDBI Bank for the above clarification but not received satisfactory answer. Kindly help Regards Anil Agarwal [protected]/[protected]