Bajaj Finserv — Flexi Term Loan -- 28K as processing fees for my unutilized loan

28K is under utilized amount in my account, Where this is coming from.
I dont need Insurance, cpp and flexi fee.

I donot want to pay single penny for the unutilized loan.

Please address this concern.
While taking loan they said, if you do not used the loan there is no need pay anything.
I have updated the all the loan details in the attachment as a photo.

Thanks,
Rajehs