Saraswat Bank — Non refund of share amount.

Hi .I was having Loan ACCOUNT with saraswat bank for HL and mortgage loan which is closed.upon closing the account I asked bank to refund my 25000 Rs. Which is taken as share..but now bank is not ready to refund the amount mentioning as these are non refundable amount...this is not at all acceptable from the good organizations...they are hiding the things while applying the loan and any other service.