Nandini Warrier
12 January 2021
Good evening,
First of all, you mentioned that the lease was unregistered. This itself is, according to law, not valid. Under registration act 1908, section 105 talks about registration of any lease, of immovable property such as houses, land, if the lease period is over a period of 1 year. Since you've leased the house for 3 years, you should have registered your lease, or else the lease agreement will be considered INVALID.
Since your lease agreement is invalid, you can't use it as evidence in the bank either.
You can approach the mentioned bank and state your concern, or you can file a case in civil court with this concern, but since the lease agreement itself is considered invalid, the result might not be very satisfactory on your side.
Good luck to you,
Regards
Nandini