Capital First — unethical - violation of loan agreement

I have taken the personal loan by signing the agreement, after taking the loan the bank keep increasing the charges beyond the limit.

Since last one year the interest rate of fd is going down, but this bank is rather than decreasing the interest rate keep increasing the charges for old customer as well. I do not know then why do the sign agreement and give it during the loan offer if they don't have any commitment.

Below is the email i received from idfc capital first bank.
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Dear customer,

Greetings of the day!!

We wish to submit that our schedule of charges have been revised w. E. F. 04-11-19. The changes are mentioned below for your reference:
Type of charges charges
Emi bounce charges per presentation 400
Late payment/penal charges/ default interest/overdue (Per month) 2% of the unpaid emi or rs 300 whichever is higher
Cheque swap charges (Per swap) 500
Cancellation & rebooking charges 1% of the loan amount + interest from date of disbursal till receipt of cancellation request. Cancellation request to be received within 30 days of loan booking date or 1st emi presentation date, whichever is earlier. Post which cancellation will be treated as foreclosure
Foreclosure charges 5% of principal loan outstanding
Duplicate noc issuance charges 500
Physical repayment schedule 500
Physical statement of account 500
Document retrieval charges (Per retrieval) 500
Stamping charges as per actuals
Processing fees up to 3.5% of the loan amount
Part payment charges applicable only for pl smart cases. Maximum 40% of current principal outstanding is allowed for part payment once in a financial year. This option is available only post initial 3 emi payments. For availing this option 2% part payment charges is applicable on partial payment.
Emi pickup/ collection charges 350

You can also view the charges in the below link
https://www.idfcfirstbank.com/schedule-of-charges.html

We value your relationship with us and are committed to providing you the best of our services.

Should you have any queries, please feel free to call us on[protected], or write to us on customer. [protected]@idfcfirstbank.com

Regards,

Team idfc first bank.