Sub: hdfc personal loan complaint

I had taken Personal Loan in Oct 2006 from Centurian Bank [now taken over by HDFC
Bank] to be paid back in 60 equal installments. I have already completed three years
and never been defaulter. Now due to my personal problem I want to discontinue the
loan and pay back the balance principal amount from my own resources.

My question is 'can HDFC claim Foreclosure Charge@4% along with other charges on
balance principal amount' if the loan is settled by my own resources?

Please give me your valued opinion.

Regards
Asoke Roy