Foreclosure and Charges

To purchase a 3BHK flat, I had taken a home loan of ~30 lacs from IIHFL in May-June 2018. Rest of money was paid by my family and me. Loan was sanctioned at floating ROI of 8.55% . In a few month, the rates went up, then up again and then for the third time up again. Right now it is 9.35%. Hence I decided to move it to ICICI bank this year in August 2020. I had applied for foreclosure document on 24th September, received it on 22nd October (they were supposed to send it within 15 working days but they delayed it) https://imgur.com/V7YVK9V Now the problem is that they are charging foreclosure fees, can IIFL charge that to me? As per RBI notification, they can not (https://www.rbi.org.in/scripts/NotificationUser.aspx?Mode=0&Id=11647) Here are my loan particulars: I am primary applicant. My father and mother are co-applicants. The loan letter does not contain any company name, so It can not be called as a business loan. I am a self-employed person and provide freelance services (web development and website consulting) to clients overseas and at the time of applying for loan my income was not exceeding 20 lacs per annum. The property on which this loan is based, was used by me and my brother(student) for living there. No commercial business activity, no other employees.