HDFC Bank — high prepayment charges

Address: 560098

Website: www.hdfcbank.com

I wanted to foreclose my new car loan with hdfc after 20 months of regularly paying their emi.
Loan taken on 11.11.2015.

Today i. E 25.09.2017,
I approached hdfc loan division at indra nagar, bangalore to foreclose the loan they want to charge 5.9% prepayment charges on the outstanding principal of rs.2, 21, 786.66
Which is rs.13, 085 (As mentioned in the calculation given by hdfc)

When processing the loan application i was told that there will be no preclosure charges after 6 months of repayment.

The bank executive is asking for a hard copy of that commitment.
I was not given a hard copy at that time.
This is not fair.
Can any one help.