Bank loan

Private banks do not allwo foreclosures, b'coz when ever you take loan, either through some Direct Market Agent or even direct, the bankers (private) give out big commisssions, as such they are not willing to accept pre payment. Would be better for you to invest the money for an earlier in some good return debit or equity and repay the amount after one year. I doubt even after one year they will accept forecloser without fore closer charges. The other remedy is to approach the Banking Ombudsman in your area and seeking their help, explaining them the reason why you want to repay the loan immediately. By the way you are lucky that you have got loan, most of the people are denied loans by private banks  on filmsy grounds

Deposit the balance amount and ask in writing to intimate the interest due, if any to be paid by you.

depositing the balance amount and then asking to intimate the interest will never go in your favour, because once the amount has been paid back, they would get the right to say that yours is a foreclosure and the documents signed by you must be having a foreclosure paenalty embeded in them, may be in fine print, check this thoroughly. 

Thanks to all