RTO India — RC book smart copy not received till this date

Address:

at post - pomendi khurd, Ganeshnagar, Kuwarbav Dist Ratnagiri

My new car wash registered to rto ratnagiri (Maharashtra) on 15.11.2019. My car has financed by sbi devrukh branch. Due to non receipt of rc book copy, so that my sbi bank charged non submission of rc book copy charges rs 2500+gst. Till this date i didnt received rc book. So what is reason for non receiving of rc book to me, and why should i suffer the bank charges for non submission of rc book. So please intimate me the reason for non receiving rc book, so that bank will waive my charges. Give me response me as early as possible.
Shri v p ghag
At post - devrukh, tal - sangmeshwar, dist - ratnagiri pin 415804
Cell [protected]/[protected]
Email id - [protected]@gmail.com