I took home loan rupees 13L, interestt is 10.50 per annum loan term is 20Y,bank officials calculated and fixed my EMI 14000/- including sha sbp surakasha premium i have been paying since last 14 months , now bank officials saying we are excluded the sbp surakasha premium from EMI,now you have to sbp surakasha premium separately to bank, Is it compulsory to take insurance with home loan.