- Bank Name
- State Bank of India
- Customer Care Number
- 1800 425 3800
- Loss Amount
- 1961
- Ratings
- Opposite Party Address
- SBI Nawagarh Dumra Branch, Dhanbad, Jharkhand
Dear Sir/Madam,
With due respect, I would like to bring to your kind notice that I had availed a Personal Loan of ₹2,00,000/- from State Bank of India, Nawagarh Dumra Branch, Dhanbad, Jharkhand, on 19.02.2026, bearing Loan Account No. 44935786367.
I had repeatedly requested the concerned branch officials to close the above loan account without levying any foreclosure charges. However, despite my repeated requests and complaints submitted to the higher authority, the loan account has been closed on 09.10.2026 by deducting ₹1,961/- as foreclosure charges.
I would like to draw your attention to the fact that I had also availed another fresh Personal Loan of ₹2,00,000/- from the same branch on 26.03.2026, bearing Loan Account No. 45037647746. The entire outstanding amount of that loan was paid by me on 01.06.2026, and the said loan account was subsequently closed on 01.07.2026 without levying any foreclosure charges.
It is pertinent to mention that both loans were availed separately on different dates as fresh loans. Neither loan was taken for the purpose of closing or replacing the other loan. The repayments were made from my salary after its credit to my account. Therefore, I fail to understand why foreclosure charges were not levied on the closure of one loan, whereas ₹1,961/- has been deducted on the closure of the other loan by the same bank branch.
I would also like to clarify that my complaint was not against any branch official, nor was there any personal dispute with anyone. I had approached the higher authority only because, despite repeatedly requesting the Branch Manager and officials, my loan account was not being closed without foreclosure charges. My complaint clearly stated that the loan account should be closed without deducting foreclosure charges.
On 09.10.2026, I received a telephone call from an SBI official informing me that my loan closure request had been processed and the loan account had been closed. However, I wish to respectfully clarify that my request was not merely for closure of the loan account by deducting the disputed charges. Had I been willing to pay the foreclosure charges, I could have completed the closure process by visiting the branch personally. The purpose of approaching the higher authority was to seek closure of the loan account without such charges, particularly in view of the different treatment given to my other loan from the same branch.
In view of the above facts, I humbly request your good office to examine the matter, clarify the reason for the different treatment in respect of the two loan accounts, and take necessary action for the refund of the ₹1,961/- foreclosure charges deducted from Loan Account No. 44935786367, if found to have been levied incorrectly.
I hope that my grievance will be considered fairly and resolved at the earliest.
Thank you.
Yours faithfully,
Hareram Yadav
Paramilitary Personnel
CASPGOLD AC HOLDER
Mobile No.: 9550943490
Loan Account No.: 44935786367
SBI Nawagarh Dumra Branch, Dhanbad, Jharkhand
With due respect, I would like to bring to your kind notice that I had availed a Personal Loan of ₹2,00,000/- from State Bank of India, Nawagarh Dumra Branch, Dhanbad, Jharkhand, on 19.02.2026, bearing Loan Account No. 44935786367.
I had repeatedly requested the concerned branch officials to close the above loan account without levying any foreclosure charges. However, despite my repeated requests and complaints submitted to the higher authority, the loan account has been closed on 09.10.2026 by deducting ₹1,961/- as foreclosure charges.
I would like to draw your attention to the fact that I had also availed another fresh Personal Loan of ₹2,00,000/- from the same branch on 26.03.2026, bearing Loan Account No. 45037647746. The entire outstanding amount of that loan was paid by me on 01.06.2026, and the said loan account was subsequently closed on 01.07.2026 without levying any foreclosure charges.
It is pertinent to mention that both loans were availed separately on different dates as fresh loans. Neither loan was taken for the purpose of closing or replacing the other loan. The repayments were made from my salary after its credit to my account. Therefore, I fail to understand why foreclosure charges were not levied on the closure of one loan, whereas ₹1,961/- has been deducted on the closure of the other loan by the same bank branch.
I would also like to clarify that my complaint was not against any branch official, nor was there any personal dispute with anyone. I had approached the higher authority only because, despite repeatedly requesting the Branch Manager and officials, my loan account was not being closed without foreclosure charges. My complaint clearly stated that the loan account should be closed without deducting foreclosure charges.
On 09.10.2026, I received a telephone call from an SBI official informing me that my loan closure request had been processed and the loan account had been closed. However, I wish to respectfully clarify that my request was not merely for closure of the loan account by deducting the disputed charges. Had I been willing to pay the foreclosure charges, I could have completed the closure process by visiting the branch personally. The purpose of approaching the higher authority was to seek closure of the loan account without such charges, particularly in view of the different treatment given to my other loan from the same branch.
In view of the above facts, I humbly request your good office to examine the matter, clarify the reason for the different treatment in respect of the two loan accounts, and take necessary action for the refund of the ₹1,961/- foreclosure charges deducted from Loan Account No. 44935786367, if found to have been levied incorrectly.
I hope that my grievance will be considered fairly and resolved at the earliest.
Thank you.
Yours faithfully,
Hareram Yadav
Paramilitary Personnel
CASPGOLD AC HOLDER
Mobile No.: 9550943490
Loan Account No.: 44935786367
SBI Nawagarh Dumra Branch, Dhanbad, Jharkhand