Sbi maxgain home loan calculation - confusing

Here is my maxgain account breakup: Original loan amount : 33,89,000 Original tenure : 20 years Loan started : 2011 Book balance : (-ve)19,54,794 Available balance: 87,899 Limit : 20,42,693 Drawing Power : 20,42,693 ROI : 10.1% EMI : 39000 Balance term as per bank : 88 months

Based on simple calculation, for the outstanding balance of 20.4 lakhs at 10.1% interest and term of 88 months my EMI should come to around 33-35k.

Conversely, if my EMI is set to 39000, then the tenure should drop to around 72 months.

But SBI says the above calculation is correct. Can someone enlighten me what the correct computation should be?