NIL. For HL Top up: Micro & Small Enterprises - NIL Floating rate Term Loans for Individuals for Personal Purpose - NIL Others : No prepayment / foreclosure is allowed until a Lock-in Period of 6 months after EMI Commencement. Others : No prepayment / foreclosure is allowed until a Lock-in Period of 6 months after EMI Commencement. Post this lock– in period, part prepayment of minimum INR 25,000 and maximum of up to 25% of outstanding Loan Amount can be made without any prepayment charges every 6 months. The minimum period between any two prepayment shall be at least 6 months. For any Part Prepayment in excess of 25%, 4% (plus GST and statutory dues) of the excess prepayment Amount shall be charged as Prepayment Charges. For Full Prepayment any time after the Lock-in-Period, Prepayment charges shall be 4% (plus GST and other applicable taxes) of the Foreclosure Loan Amount plus Amounts prepaid during the last 12 months.