Cholamandalam — foreclosure charges @ 4% charged

Address: 422103

I want to close my cholamandalam loan after one year. But they are charging 4 % forclosure 43000. This charges are double of what principal i have paid in year with regular timely repayment of installments. How they are allowed to charge such charges even after the circular of rbi regarding the non levy of such charges.
Circular ref in attachment.