alright received my statment and i calculated what went wrong , i had 2 no cost emi order cancelled by me on amazon cause i changed my mind , alright no issue and if you ever have any emi order or no cost emi order , you will see one entry of merchant and second entry for transfer to emi , on 4th October a credited entry made into my statement through amazon for 47,992.20 not a debit entry and now i had 3460 in due but someone how sbi charged for emi for 1 month 5640 something with gst and other charges and now i have -39k in excess , so emi amount is deducted and my due included from 47,992.20 k on it own. check for attachment for better understanding .