Bajaj Finserv — Bajaj finserv foreclosure charges fraud

Hi
My loan a/c number - 401spfer472911
I have taken this flexi loan from bajaj finserv of 12.2 lac limit a year back which i have not utilised yet a nominal amount if 1300 is used to keep loan alive after one year they reduced my limit to 18k i. E by 99% i dont know why
But any how the problem is since the limit i'd reduced so this loan is of no use to me when i enquired about foreclosure they are telling that i need to pay foreclosure charges @4.72 % on 12.2 lacs
See how they are doing fraud by expecting customer to pay more than 50k as foreclosure charges on limit of 18k
I told i am ready to pay foreclosure charges but the same should be on my revised limit abd not on the limit which is old and already reduced by bajaj
You can see the fraud they want foreclosure charges on old limit which i can not use as they have revised the limit and reduced it by 99%