At the outset, any bank if they want more good customer they must know how to get along with cutomer and they need to have proper human relation ship otherwise the purpose of running a bank will be defeated. In the case of Ram Naresh mehra the bankers have delayed his foreclosure loan repayment with the intention to delay the process. I presume none of the bank will take back the loan immediately if any customer wants to foreclose immediately after six months. Bankers main intention is to collect more interest from the customers as long as they can. Secondly, at the time of disbursing the loan bankers will try to convince the customers about the interest part and repayment track to enable the customer to commit in a hurry burry. Finally they will make the customer to run around for any clarification about the loan and this has been happening with almost all private banks. In recent time they have call center and agencies through them loan being paid to the same customer even if they have existing loan with same bank. I found they do not have any track, If the bankers want to run the business they need to bank upon the customers and the service is not good customer will change