South Indian Bank [Sib] — Unethical behaviour

Address:

129 A, Main road, Odayakulam(Po), Anaimalai(Tk), Pin - 642129

I got education loan of 130000 from South Indian Bank and I also repaid it fully. but the Bank is not closing my Loan account and not providing NOC. The manager from SIB(Odayakulam branch) told that the bank didn't receive the subsidy from the government yet so they won't close the account until the subsidy amount from govt is received. Also the bank manager is asking me to pay the subsidy amount Rs. 20000 and above by myself to close this loan account. Also, the bank is charging the interest amount every month. Bank has deducted my savings account balance. Now it is in minus balance. Also charging for not maintaining balance.