How to get my lap loan shifted from Jana Bank to any other bank without paying any foreclosure charges?

G

gchawla2210

KF Rookie
I had availed a lap loan from Jana Bank because of higher ROI, I want to get it taken over by PNB. But Jana Bank is asking for Foreclosure charges @4% with 18%GST. How can it be taken over without Paying any foreclosure charges?
 
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