Kotak Mahindra Bank — personal loan foreclosure rate of 5% (and a gst of 18% again)

I am also facing foreclosure problem with kotak mahindra bank. They are charging me 5% for closing my personal loan and again 18% gst. First of all there is no partial payment option for personal loan in kotak. They say we have flexible repayment options. I don't know what the hell options they have. Even after maintaining a long banking relationship, they are charging me a lot. I use kotak for my salary account. I will close all my banking relationships with them. I will suggest you not to go for kotak mahindra bank any banking purpose.