Collection of property papers from Bank after loan is over

go to bank & bring your papers.

For the first query in my opinion there is no mistake made by the bank.

For the second query, just approach the bank with the letter mentioning the facts and requesting them not to hand over the papers unless joint signature are there.  Or else you directly can repy the loan and get the original documents as was done by her for the first property. 

The opinion is subject to the facts unknown to me.

First u give a application for 2nd property to the bank and write that without my signture bank has been not issue the original documents of the property to my wife alone and received this application with bank stamp.

And about first property u can give a application to the bank why u give original documents of the property give to my wife? If bank not give proper answer u give a notice to tbe Bank and Your wife about this matter.

And I think first u call your wife about releted the 1st property documents and meet her and collect the documents from her. I don't know what's the dispute between u but u call her and if ready to meet u and give a all documents at that time u check all documents clearly and u meet her out of her and your house (any hotel / reasturant and any other place who like her) this is my personal advice.

You have taken the loan for the flat when there were good terms between you and your wife. Bank sees only whether the loan is repaid and not who is paying.She repaid balance amout of loan and took documents back. You might have told Bank authorities not to hand over the documents to her. There is no mistake with bank authorities. Since you are husband and wife, bank handed over to one of you.

In the second case you repay the balance amout and take documents back.  Before that, you give a letter to the bank not to hand over documents to anybody except you.

U r right Nirmalaji but bank know that this is original documents of the property and she is only co-applicant the principal borrower is her husband and if the all document of bank both r sign so why at the time of receiving the original documents bank sign  only  one person? I think this bank mistake.  

You may submit a written representation to the Nodal officer of the bank and mention all the facts and demand a reply along with the copy of the bank policy and concerned law of the land vide which the bank has framed the policy. If you are not satisfied you can raise RTI application. You can later approach BO/RBI if deemed fit.

Even if the property papers are collected by your wife still both of you are the owners.

For the 2nd property proceed as advised by learned members.