College Denied to Refund my Admission fee

Hi Sir, I have been admitted into a private MBA college in Mumbai who has taken 1 LAKH rupees as admission fee. It's a two year course, am from Hyderabad and doing job here. College has agreed that 1st year I can study in distance mode, as I need to do job mandatory to meet my expenses and fees for second year It's a multi-country MBA program where 1st year is in Mumbai and 2nd year is in other country and their total fees is about 14 lakh rupees for 2 years. At the time of admission college has mentioned that I would get an educational loan to pay my 1st year fee and 2nd year I would resign the job and pay with my own saved money in other country. But unfortunately I couldn't get educational loan and college started asking me to pay 1st year fee of remaining 6 lakhs. I could not adjust the money and pay the fee, hence decided to cancel my admission and requested for refund of my 1 Lakh rupees. I have fee receipts of my admission payments. I got a mail from college stating that your cancellation of admission has been late and we cannot refund any admission fee, it was written in their admission form. Please help to get my admission fee refund.