HDFC Personal Loan pre closure charges levied even closed with home loan reason

Hi All, There is a situation happened in Oct 2020 I was have personal loan with HDFc for my marriage expense so later I was looking for home loan So my father helped me to reduce or close the PL from his part and go for full 85-90% of homeloan because of interest and IT tax helps But where I query either for closure or restructuring same thing to HDFC bank they didn't reply so someone I got homelaon but to get more fund this has to be close so I went to HDFC they closed my loan with 4% closure charge when I said stated th same valid reason of homeloan on 9th month but later I came to know for few customer they also provide offer if ur loan is more than 10 lakh and u close it after 12 month with a reason they don't levy 4% charges wither very less like or nothing but this kind of offer they have not cleared to me neither sanction not at closure time and when I complainant this in RBI they are holding a argument u closed it before 12 month so charges are correct My simple ask If I was supposed to get eligible fo some offer of waiving pre closure charges shouldn't be inform to me so that I could have continued for 3 months and then closed Second when I did query or ask for restructuring or as asking to close for personal loan with valid reason I should be get some benifit ? What's the solution any it can be compensated