[Resolved]  HDFC Bank — personal loan

Address:

Rangareddy, Andhra Pradesh, 500035

I have taken a personal loan of rs.10, 50, 000/- from hdfc bank during august 2016. I have paid the emis on regular basis without any default. I wanted to preclose the loan account and approached the bank for the same. They asked me to pay pre-closure charges of rs.42000 @4.72 per cent apart from outstanding loan amount of rs.8, 72, 000/-. I have contancted bank customer care and physically went bank branch for waiver of these penal charges. I have also requested through mails for waiver. But bank people are not at all waiving these charges. I have paid processing fee, insurance charges, service tax, stamp duty etc at the time of loan sanction. I have also paid interest on the loan amount regularly without any default on the due dates. After 15 months i wanted to close the loan account. Inspite of all these they are charging me with these unjustified penal charges. Please help me in this reguard. Thank you