Hi my father had an housing loan from a public sector bank for Rs 9,50,000. He got deceased last March. He was promptly paying the installments till his death. As I was sure he would have taken insurance I went to the Bank to ask for loan closure because the loan holder was deceased. But they said that my father has not availed insurance coverage. But when I checked the loan statements I came to know that the bank had sanctioned the loan amount including the insurance premium amount. Also I obtained the sanction letter and agreement copies through RTI act in which also it was specifically mentioned (loan amount+insurance premium amount) sanctioned. Sir I think the mistake was done by the banks side as they have sanctioned the amount but forgot to deduct the amount for insurance and take DD. I think my father after completing all the procedures given by the bank believed that he was covered by insurance and this was lapse from the banks side. Also we are really in a financially tight situation but still we continued to pay the installments till date. Please suggest the steps we should take so that we can get justice. Please help