1.Instaed of making verbal communications, submit a written letter (Obtain acknowledgment under seal and signature) stating that on dated ....and dated......you have repreented to the bank in person to pre pay the loan and citing concerned clause of pre payment of loan, in loan agrrement , and state that you want to close the loan,and ask the bank to supply you the latest statement, by registred post within 7 days,and state that cheque number ........dated .........for Rs....drawn on bank name .........is enclosed herewith towards the balance payment of principle amount of Rs.....
2.In case you do not find any pre payment clause , you may lodge a query with RBI and ask whether on the date of issue of loan forms to you , banks enjoyed the discretion to publish the prepayment clause or not.
3.In case the bank do not reply to your letter as mentine at 1., you may represent to the nodal officr of the bank, whose contact details have to displayed in the bank and is also onthe bank website and lodge yur grievance.
You may mark the copy to RBI.
You shall get the desired response from the bank.