[Resolved]  HDFC Bank — service tax on pre-closing charge of loan account

Address: Kolkata, West Bengal

I took personal loan of 2.5 lakhs for 4 year in. Loan was being paid in monthly installment through ecs. There was bank condition of charge on pre-closing of loan account (If account is closed with paying all outstanding amount before 4 years), customer will be charged between 0-4% on outstanding loan amount at the time of closing. Charge percentage were defined by time bracket of loan. Ex: 4% on outstanding if returned within 2 years from the day of loan taken. Similarly 3 % on outstanding if returned between 2-3 years and so on. Closing of loan account was not permitted before a year. Now service tax on pre-closing charge were supposed to be give. Lumpsum service tax of rs. 1000 were charged but invoice didn't find mention of service tax: rs. 1000 (12% on pre-closing charge), instead cunningly merged rs. 1000 with pre-closing charge. If there is no indication of service tax on invoice, how will i believe that tax went to government treasury and bank didn't stole rs. 1000 from government.

Awaiting suggestion from expert and thank you in advance.
Regards,
Shiv kumar