This is to state that I have home loan from DHFL in Dec, 2009, loan code is 00000114, for the amount of Rs 14,55497 @ 8.75%. Now the rate of interest of interest from 1st April has been increased to 12.25%. Because of this my EMI has increased from RS 12,867 to Rs. 16,016/- which is very burden some for me to pay. Hence I have decided to0 switch over the loan to another Bank from DHFL. When I approached the concerned bank they asked me for the penalty of Rs. 46679/- as foreclosure chages. As per the latest guide lines of RBI no bank of finincial institution shall charge any foreclosure charges.