State Bank Of India [SBI] — Charges for preclosure of SBI maxgain (overdraft) home loan account

Address: 110021

Website: sbi.co.in

I have been sanctioned SBI MAXGAIN Home Loan limit of Rs2394000/-on 25/04/2010 by RACPC, New Delhi for purchase of flat under constuction with last instalment of payment made in Sep2011.Regn of flat done and conveyance deed signed in favour of Vishesh Jhalani (Borrower) in Sep 2013.First instalment of loan repayment started in 2012.As per conditions mentioned in loan agreement pre closure charges @2% will be levied if loan preclosed within 3 yrs from the stipulated date of commencement of repayment.I have been told verbally by the local SBI manager(Bathinda, Punjab) that 2% penalty will be charged if I preclose it now by balance transfer of this Homeloan from other banks.Emails and telecalls to RACPC, Janakpuri, New Delhi are not being answered.Cust care Complaints also not being answered.Who will clarify?Whom to approach? Pl advise me at email [protected]@rediffmail.com and [protected].
Col Vishesh Jhalani