Hdfc personal loan of 24 lakh

If your account was genuine then what is the purpose of calling it as fraud?

If you are not repaying the loan amount then the bank has full rights to recover it by applying due process of law.

Every defaulter will be having one or the other reason for not able to repay the loan amount but may look for one or the other way to somoehow manage to continue to default the same till the arrears becomes a greater amount leading to severe legal repurcussions. 

Respected Sir,

I absolutely agree that i have to repay, but what i am saying that instead of 45000 RS EMI , i can pay 15000rs EMI every month sonthat bank can get their money and i can also repay it on monthly basis.

But they are not understanding and saying bank doesn't have any process like that, and as per RBI, this can be considered as Fraud account. 

You make a request in writing for restructuring the loan,  if the bank agrees to it then proceed,  if not you cannot force them. 

The posting suggests no legal elements. Restructuring the EMI is a purely commercial decision at the discretion of the Banker.

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