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Activation of SBI MaxGain Home Loan on sanction amount or on outstanding amount ?

I have got approval of 40 Lakhs for my home loan a year back. SBI paid 35 Lakhs under MaxGain HomeLoan plan before registration of the house.

On registration date for some reason I arrange money on my own and paid rest of the amount. (i.e. 5 lakhs)

Now I got the possession and when I went to bank for activate the MaxGain account to my shock they told me that they can only activate on the amount which is outstanding i.e. 34 lakhs  (1 lakh I have paid in last one year EMIs) not on the sanction amount that is 40 lakhs.

Please help me here.. is there any way that I can get all 40 lakhs in my MaxGain plan.

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