A fee appears at disbursement that was not in your comparison sheet

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For “A fee appears at disbursement that was not in your comparison sheet”, match the fee against the KFS, sanction letter, loan agreement and any third-party receipt. Identify who is charging it and why.

What applies to this exact problem

Check these first

• Check the record: A fee appears at disbursement that was not in your comparison sheet: Match the fee against the KFS, sanction letter, loan agreement and any third-party receipt. Identify who is charging it and why.
• Take the next step: A fee appears at disbursement that was not in your comparison sheet: Ask the lender to point to the written disclosure and calculation. If it is a third-party/statutory charge, ask for the underlying receipt or basis. If the fee was not disclosed where the KFS rules require disclosure, raise that discrepancy before accepting the disbursement.
• Confirm the resolution: A fee appears at disbursement that was not in your comparison sheet: Every amount deducted or collected has a named purpose, written basis and receipt/document where applicable.

Fix it in this order

1. Check the record: A fee appears at disbursement that was not in your comparison sheet: Match the fee against the KFS, sanction letter, loan agreement and any third-party receipt. Identify who is charging it and why.
2. Take the next step: A fee appears at disbursement that was not in your comparison sheet: Ask the lender to point to the written disclosure and calculation. If it is a third-party/statutory charge, ask for the underlying receipt or basis. If the fee was not disclosed where the KFS rules require disclosure, raise that discrepancy before accepting the disbursement.
3. Confirm the resolution: A fee appears at disbursement that was not in your comparison sheet: Every amount deducted or collected has a named purpose, written basis and receipt/document where applicable.
4. Escalate with evidence: A fee appears at disbursement that was not in your comparison sheet: Do not rely on a verbal “standard bank charge.” Escalate the exact undisclosed or miscalculated item through the lender’s grievance process with the documents attached.
5. Identify who is charging it and why.
6. If it is a third-party/statutory charge, ask for the underlying receipt or basis.
7. If the fee was not disclosed where the KFS rules require disclosure, raise that discrepancy before accepting the disbursement.

Evidence to keep

• Loan ledger/closure statement — keep it with the evidence for “fee appears at disbursement that was not in your comparison sheet”.
• NOC or no-dues letter — keep it with the evidence for “fee appears at disbursement that was not in your comparison sheet”.
• Inventory of original documents — keep it with the evidence for “fee appears at disbursement that was not in your comparison sheet”.
• Charge-release or registry proof where applicable — keep it with the evidence for “fee appears at disbursement that was not in your comparison sheet”.

Do not make it harder

• Treating the NOC as proof every security record is released For “fee appears at disbursement that was not in your comparison sheet”, that can hide whether the underlying issue is actually resolved.
• Signing receipt before checking returned originals For “fee appears at disbursement that was not in your comparison sheet”, that can hide whether the underlying issue is actually resolved.
• Discarding the final payment reference For “fee appears at disbursement that was not in your comparison sheet”, that can hide whether the underlying issue is actually resolved.

How you know it is fixed

• You can reproduce the charged or projected amount from documented inputs for “fee appears at disbursement that was not in your comparison sheet”.
• Any unexplained difference has a written explanation or correction for “fee appears at disbursement that was not in your comparison sheet”.

If this still isn't resolved

1. Branch/service complaint in writing State the unresolved issue explicitly: “fee appears at disbursement that was not in your comparison sheet”.
2. Lender grievance/nodal officer State the unresolved issue explicitly: “fee appears at disbursement that was not in your comparison sheet”.
3. RBI CMS when the complaint is eligible and remains unresolved State the unresolved issue explicitly: “fee appears at disbursement that was not in your comparison sheet”.

Parent-guide references

These references support the parent guide and escalation context. Verify provider-, model-, policy-, or jurisdiction-specific details before an irreversible step.

• RBI — Key Facts Statement for Loans & Advances
• RBI — Pre-payment Charges on Loans Directions, 2025
• Income Tax Department

Need the complete context?

This page solves one branch. The parent guide covers the full decision, edge cases, alternatives, and related checks.

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