Kotak Mahindra — Levying me foreclosure charges for personal loan against car loan

Address:

625014

I got a car loan for my skoda yeti TN59 BC 0005 at kotak mahindra prime for Rs.12 lakhs on 2012 and i made the foreclosure on 2013 along with 5.62% charges for the outstanding Rs.9 lakhs. Later kotak called me and offered me a personal loan for Rs.5 Lakhs for my prompt previous track records. Now 14.10.15 when i approached kotak to foreclose my personal loan against my car record. Kotak demands me Rs.20, 000 as foreclosure charges for the outstanding amount Rs.3, 21, 000. When i insisted them regarding the RBi master circular regarding foreclosure charges waiver. Kotak states if so they cant get the payment i make and cannot issue me the NOC certificate to cancel my vehicle finance registration. What can i do next, please do guide me. Thank you.