Bank — interest not paid correctly

Address: 411030

Respected sir,

I have open shubhmangal recurring account in my daughters name in pune peoples coop bank ltd 606 sadashiv peth kunte chowk pune on 19/04/2001.

Account no 56 & 57 [bibwewadi branch]
Period of accounts 180 months
Installment rs 125 per month.
After 192 months bank was going to pay maturity value of rs 102196 this was clearly mention on passbook by the bank.

I paid all the installment of rs 125 per month for 15 years that is 180 months in both the accounts no 56 & 57 held in my daughters names.

After 16 years that is after 192 months that is on 19/04/2017 i went to bank & handed my passbook to close the accounts

The bank close the account and paid me rs 70196 as maturity value in each account instead of paying 102196 in each account that is paid me rs 64000 less as per mention earlier on passbook in both account.

The bank officer hided the passbook & says we have paid as per rbi rate of interest.

The concept of shubhmangal deposit of various banks that time was deposit rs 100 per month & after 192 month take rs 1 lakh. For daughters marriage. After decrease in rate of interest bank made deposit amount rs 125

Bank showed the public rbi letter dbod no dir bc 104/13.03.00/2000-01 & increase rate of interest to 14.5%
And continue shubhmangal deposit scheme that time.

Now after complete of 16 years bank has paid me at 12% and says we have paid as per rbi.

In sixteen years there is no old staff member, even board of directors have new face. The general manager of the bank is also new.

Last 10 months i am following the branch manager, general manager board of directors but all in vain. They are not responding. I have received rs 64000 less

I have meet all the old members of bank in various branch they says you are correct, the account scheme was there

So please help me to solve my problem. The bank staff has misplace my passbook which was the only proof on which maturity value was written. I have been paid rs 64000 less

So please do needful & guide me to recover my money
The management says you go any where rbi or minister or president we are correct.

Please do needful & help me

Regards

Dinesh chavan
Mobile no [protected]