I applied in a Bank (IDFC First) for a Personal Loan which was sanctioned on 26/8/21.After deduction Rs 658000 was the net sanctioned amount. Out of the net amount Rs 234800 was disbursed/credited in my account. The balance amout of above Rs 4 lacs has not yet been disbursed despite reminders. I have signed the mandate form at the time processing and the same has already been received by my existing bank(FederalBank) for collection of EMI which is around Rs 16000 PM and 1st EMI is due on 2/9/21. Whereas I am yet to receive the balance amount. Kindly advise what do I do now.