We took an education loan from SBI a year ago for ₹4 lakhs. We've been struggling financially and couldn't repay the loan. We did manage to pay ₹30,000 in interest towards the loan. However, without any notice, SBI deducted ₹50,000 directly from

We took an education loan from SBI a year ago for ₹4 lakhs. We’ve been struggling financially and couldn’t repay the loan. We did manage to pay ₹30,000 in interest towards the loan. However, without any notice, SBI deducted ₹50,000 directly from our personal savings account, which is not connected to the education loan account. How can this happen? Is there any legal recourse for us to get this amount back?