The bank had to be threatened before they opened the list of hidden cost. Very high Pre closure charge at 2.5%, As they cannot charge higher than prevailing rates, they charge an extra 1% as annual fee. Moreover they fool customers by saying they can do loans under certain attractive schemes.
These schemes do not have Income tax benefits and these schemes like home saver etc are just cheating people. They force you to take the insurance worth 75k to 100k during loan sanction which is useless. When you ask questions about these hidden charges the excuse given is that the email is not working, out box is blocked, server not fine, tried calling but customer not reachable.
After all, this as nothing worked with me they started getting irritated and stopped replying.