Before forming any opinion, we need to go through the detailed terms of appointment mentioned in your appointment letter. As per the details mentioned by you, the terms appear to be one sided. Your company may have spent some amount on your training, etc.

You may read the terms of appointment carefully, there might be a notice clause. It is not necessary that you have to pay a sum of Rs 3 lacs, however, as mentioned above, we'll have to review your appointment letter to advise you on the same. 

You may intimate your bank, as well as your employer as a stop payment advice for any funds from your bank account, so that you have a defence for any action by your employer.