Gratuity is not settled for long time

Name: MATHIYALAGAN Email: [deleted] Contact No: [deleted] I am a dismissed employee of Indian Bank after 34 years of unblemished service. I was awarded gratuity of 7.34 lakhs as per banks bipartite settlement. I was dismissed on 16/11/2017 and the gratuity was sent for my credit to my branch on 28/12/2017 with an instruction to "credit my account after adjusting all the direct and indirect liabilities". Actually I am having two Staff Housing Loan Accounts and two Home Loan accounts. Staff Housing Loan accounts are to be closed by me when I quit bank either by super annuation or by resignation or by dismissal. So I don't have any objection in closing the Staff Housing Loan account by adjusting from my Gratuity amount. But regarding the Home Loan Accounts, the loans were sanctioned to me as borrower and to my wife as Co-borrower. The property was purchased by both of us. We both have signed as borrowers in all the documents. As on date there is no overdue in those accounts and we have 7 more years as repayment period. My wife is doing business separately and she is also incometax payer. So she requested the bank management not to adjust these Home Loan accounts from my gratuity and she gave separate undertaking to deduct the dues from her account. But the bank management has not given any replay to this. And for the last 4 months my gratuity amount is ideally kept in sundry deposit account of the bank and I have not received any intimation in this regard till date. Can I sue the bank in this regard? How can I get the amount ?