State Bank Of India [SBI] — debit adjustment - slop charges applied even before 3 months of opening a loan account

Address: No 97, Railway Parallel Rd, Kumarapark West, Seshadripuram, Bengaluru, Karnataka, 560020

Myself and my wife had opened home loan account with sbi on 29/06/2019. When loan account was opened, we had paid rs 6500/- for legal opinion and there was a processing fee wavier. Its not been even 3 months and we see that on 16/09/2019, slop charges of rs 1000/- with narration as debit adjustment. We need to understand as to why this slop charges are applied within 3 months span of time. I believe that this slop charges are to be applied post 3 or 5 years of opening the home loan account.