To, The Branch Manager Central Bank of India Dadabari Branch Kota, Rajasthan Date: 21/09/2026 Subject: Formal Request for Rescheduling/Extension of Education Loan Tenure, Recalculation of Monthly EMI and Clarification Regarding Prepayment/Foreclosure – Loan A/C No. 4006607894 Respected Sir/Madam, I, Preet Mewara, am the borrower of the Education Loan maintained with your branch under Loan Account No. 4006607894. I am writing to formally request the review and restructuring/rescheduling of the repayment schedule of my education loan, particularly with regard to the present monthly EMI of approximately ₹38,300. Previously, the EMI payable under the loan was approximately ₹21,100 per month. The subsequent increase to approximately ₹38,300 per month has resulted in a substantial increase in my monthly repayment obligation. At present, I am facing genuine financial difficulty in servicing an EMI of this amount. I respectfully request the Bank to recalculate the repayment schedule on the basis of the actual outstanding principal, applicable rate of interest and remaining permissible repayment tenure, and to extend/reschedule the loan tenure to the maximum period permissible under the applicable rules and terms of the loan, so that the monthly EMI may be reduced to a reasonable and manageable amount. I further request that the Bank kindly provide me with a written statement showing the following details: 1. Current outstanding principal amount. 2. Rate of interest presently applicable to the loan. 3. Calculation/basis on which the present EMI of ₹38,300 has been determined. 4. Remaining repayment tenure of the loan. 5. Revised EMI payable if the tenure is extended/rescheduled to the maximum permissible period. 6. A revised repayment/amortization schedule after such rescheduling. I would also request the Bank to consider my application sympathetically and not insist upon an EMI which is beyond my present repayment capacity when a permissible tenure extension/rescheduling option is available under the applicable loan terms and banking norms. Further, I request the Bank to kindly provide written clarification regarding the facility for part-prepayment and premature closure/foreclosure of the education loan. In particular, I request the Bank to confirm whether I may make part-prepayments towards the outstanding principal at any time during the revised tenure and whether I may fully repay/close the loan before the scheduled maturity date, without any prepayment penalty, foreclosure charges or other additional financial liability, subject to the applicable RBI guidelines, Bank policies and the terms of my loan agreement. In the event that any charges, conditions, notice requirements or other restrictions are applicable to part-prepayment or premature closure of my loan, I request the Bank to kindly provide the complete details of such charges/conditions in writing, including the applicable policy/provision under which they are imposed. I am willing and committed to continuing repayment of the loan and request the Bank to provide me with a practical repayment arrangement that enables me to maintain regular and timely EMI payments without default. I also intend to make additional payments towards the loan whenever my financial circumstances permit, with the objective of reducing the outstanding principal and/or closing the loan before the revised maturity date. In view of the above, I request you to kindly review my loan account on priority, reschedule/extend the repayment tenure wherever permissible, issue a revised EMI and repayment schedule in writing, and provide written clarification regarding part-prepayment and premature closure of the loan. If the requested restructuring/tenure extension or prepayment facility cannot be permitted, I request that the Bank kindly communicate the specific reason and applicable provision/policy under which the request is being declined, along with the alternative repayment options available to me. I shall be grateful for your prompt consideration and written response. Thanking you. Yours faithfully, Preet Mewara Education Loan A/C No.: 4006607894 Mobile No.: __________________ Address: _____________________ Email: _______________________ Signature: ____________________ Make an MS word file of it

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