Bank audit

Dear sirs,
               A Home loan given in the year 2006 with a fixed rate of interest @ Say 9.25% while the current Base rate is 10.25%.The explanation given by the Branch quoting a bank circular that only loans after say 2008 is subject to reset .Please clarify.
Another query:- The Bank has two kinds of a Jewel loan products.(Non priority ).
                        Upto 1 lac upto 5 lacs.
repayable within 12 months interest and principal recovered at the end of the period as Bullet payment.
          Or  Above 5 lacs repayable in 33 Instalment  interest and principal every month/ quarter.
              A jewel loan has been sanctioned in July 2014 for 6 lacs lacs with the documents mentioning the tenor as 12 months.Quarterly  interest is charged in the account  but not serviced .interest debited in  31 July  ,31 Oct ,31 Jan  not serviced as the Product code has been fed in the system as scheme meant for 1-5 lacs eligible for bullet payment at the end of one year term.   For the same reason  non payment /non demand of quarterly instalments in arrears  are not figuring as irregularity in SMA statement.A small interest debited on 31 st July has been partially recovered on 16 Feb.Should this account be classified as NPA as the interest debited on 31 July has become overdue on 31st Aug and not serviced for atleast for 90 days say before 30 Nov.,and on that date  has become NPA.System also has charged penal interest on 31 October and 31 Jan.,Please clarify .
CA S Balasubramanian.