Penal interest on term loan by state bank of india

As far as State Bank of India is concerend, there are many Circulars applicable to various segments/category for various period of time. The Bank Officials will pick up the circular, which are in favour of them. We (borrower) will select the SBI Circular in favour of us. 

CIRCULAR A

 In one of the SBI Circular "ADVANCE RELATED TO SERVICE CHARGES (C&I, SME AND AGL SEGMENT" ) - Point No: 19

“ Penal interest is not applicable in case of Sick units under Rehabilitation /

restructured accounts under CDR / JLF and non-compliance on account of

Natural calamities/ extraneous reasons – As may be decided in CDR / JLF).”

Our company loan is a "Restructured account under CDR".  However, no decided in the Joint Ledger Forum regarding the non-applicablity of penal charges.

CIRCULAR B:

Pls. see another circular of SBI "REVISED SERVICE CHARGES W.E.F. 1/06/2015 - Point No; 19 (vii) (a)

"Term Loan -> Non-payment of Interest / Instalment -> In addition to 1 % p.a. penal interest on entire outstandings for period of default, flat penalty ( penal interest) of Rs 1000/- for each day of delay beyond due date of payment" 

Now, from borowwer side, we refer to Circular A, i.e. Penal Interest NOT APPLICABLE, because, our "Term Loan is a restructure loan under CDR"

However, Bank will take up Circular B, where in No such wording as in Circular A for not charging Penal Interest. Instead, as per Circular B, 1% Penal Interest on the ENTIRE OUTSTANDING.

_________________________________________________________________________________________________________

Hope, I made my point clear. 

if not, ignore all the above and reply to the below query:

For a Term Loan under "Corporate Debt Restructure scheme(CDR)", which SBI Circular to see...? Is SBI is correct in Charging Penal Interest on CDR-Term Loan ?, if yes, then on OVERDUE AMOUNT OR ENTIRE AMOUNT...