well u will in the years to come will know how even banks like SBI fleece you. I have been done so a couple of times at SBI. so the so called PSU are no better than private banks
for that you have something called the e-statement. which is computer generated. and if u are so bothered about paying on time call the CALL CENTER a couple of days before your due date and pay up. why do people crib when all they have to do is get an estatment or a call to the call center which is free of cost.
at this price you can buy a SUV live Innova. what pricing have they done. i think they will lower the same as they did for their hybrid version from 22 to 12 lacs. same may happen here from 7.43 to 4.43 lacs.
change your homeloan with some other bank. go to a nationalised bank and ask them to close this loan which they will happily do and then you can pay the nationalised bank for the loan that they have facilitated to you.