How can i pay my loan?

I had home loan from SBI that was for 15 years in 2006. For made three lump sum payments of 60 thousand without regularity for one and half year. But for the next one and half year no EMI was deposited that made me a defaulter. But for the last two years I鈥檝e been regular with my EMI. But the interest has too much that I decided to make the full and final one time payment. Now I want to know what kind of concessions I can get with the full payment especially in the interest. Any help pls I really need it. My loan was made for 20 years later on because of my bad record鈥? What are RBI scheme for concession in housing loans if there is any|||This is a question for your lender, not Yahoo Answers.