I’ve foreign loan education of 11 lacs from a bank here in India. I started to repay in the year 2009, from USA. When I got back to the country in 2010 called the branch to ask for my installments. By then I almost repaid 50% of my loan. They informed me that I can repay any amount between 10k-20k. So, I kept paying the EMIs. Now, suddenly the bank is saying that I ve an error and they will give it for recovery if not paid immediately.