State Bank Of India [SBI] — Drawing Power significantly gets reduced from Available Balance (From the Surplus Amount Parked)

Address:

Ahmedabad, Maninagar

I have taken a SBI Maxgain Home Loan. 1st EMI is just passed and I was asked to wait for month end to see updated Drawing Power and Limit.

Since It's Maxgain account, I parked an additional Surplus amount. Now, Based on my calculation Interest amount is verified and the same is deducted from the available balance. So far so good. But Drawing power surprisingly reduced significantly as high as the entire EMI amount. This means the system has used my Available Balance in addition to the EMI and reduced Drawing Power.

How can I put in trust rest assured if I park my additional fund SBI can directly take that up and reduce drawing power whenever they wish. However, I am not getting responses to phones, messages, or emails. I connected to customer care and they are unable to respond to the query and asked me to reach out to the branch only.

My simple query is, If SBI has taken my EMI already for the month, then why would they additionally touch my parked fund even for a single penny? Moreover, they mistakenly took 10K more in the EMI I contacted them and they said it was a mistake by the maintenance department as the first couple of cheques are manually passed.

Thanks,
Tejas Kapasi