HL EMI Discrepancy

Hey folks,

Need some help understanding my home loan situation something doesn’t seem to add up.

Before disbursal, the amortization schedule shared by the bank showed:

A certain EMI (around ~₹2K lower than what I’m paying now)

Initial monthly principal reduction in the range of ~₹10–16K

However, in reality:

My EMI being debited is ~₹2K higher than what was originally shown

Which means my principal repayment is much higher than expected from the schedule

Context:

Loan started with partial disbursement

Full EMI started early

It’s an OD-type home loan and I do have some amount parked in the account

What’s confusing me:

Why is my EMI higher than what was originally communicated?

Why is the principal component significantly higher than the initial amortization schedule?

Is this expected behavior with OD loans / partial disbursement, or something I should question with the bank?

Feels like I’m missing something in how the schedule vs actuals are working.

Would appreciate any insights!