State Bank Of India [SBI] — 295/- deducted from sbi unethically

Address:

AT-411/2A,Suguna Heritage,21st B cross, Pragathi Layout ,Doddenakundi, 560037

I have taken a home loan from sbi for that i had given my sbi saving account no for debiting the loan emi. The bank official said for first month put the amount directly in loan account as first month autodebit does not work. I did the same. Now i see there is 296 deducted as bank tried to cut the emi. This is unethical and if this is the case why bank official told me to deposit it in my loan account