ING Vysya home loan
Penalty for part payment or pre closure

I have a home loan with ING Vyasya bank and want to make part payment or per close the loan, but the bank says:

1. I can make part payment of only 25%. Anything above that will be charged 3% penalty

2. Pre closure will be charged with 2% penalty

When I told them about RBI regulation of scrapping of per closure or part payment charges, they mentioned that it is applicable only to housing finance companies and they are a bank and not housing finance company.

Would like to know if ING can still charge penalty for additional part payment or pre closure.

Thanks

Neeraj