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Closing of home loan account with SBI Bank

I had taken loan from sbi in 2011 and i had been paying the emi regularly but due to the delay by the builder it had been not possible for me to deposit the registration paper to the bank . I had taken the xerox of my loan amount and had been paying the emi since last two years .

I got a mail from the bank to close the account or deposit the registration papers. sir , i want to  know that as i had not taken the actual amount and had taken the xerox of my loan amount so  how much of money will be deducted as i am paying rs 5528 and my loan had started from aug 2010 if i close my account .please guide me as the bank is deducting a large amount of 30000 from the amount deposited till date please advice.

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