I asked HSBC why they have withdrown money(Rs.8000) more than my EMI on 31 july, their reply was shocking, Rs 7207.01+52.76+8.98 = 8000.00 ??????? details as under

From: HSBC INDIA NET
Subject: Your Loan account xxxx220 (KMM8142596I123L0KM)
To: "sukumar chougule"
Date: Tuesday, August 17, 2010, 1:26 AM


Dear Mr. Chougule,

Your Loan account 105 XXX XXX 220

Reference Number 1********099

We refer to your email dated 16 August 2010 received through
info@hsbc.co.in regarding concerns on your HSBC Loan Account.

Please note that the amount of INR 8000.00 is segregated in the
following way :

INTEREST - INR 7207.01
Interest on overdraft - INR 52.76
Interest On Overdraft installment - INR 8.98

We trust the above clarifies your concern.