@shosho I chose HDFC because I wanted nil foreclosure charges, and it delivered on that. The only caveats were that I shouldn't prepay in the first 6 months of the loan and the prepayment amount should be at least equal to the EMI.
But I had to pay a processing fee of 2,950 for the first rate reduction, then, 1,450, followed by 590, and so on, with 590 being constant in the last reductions.
Calculating the 44 lakh outgo and adjusting it for inflation is a tad difficult task, which was not important to me, so I didn't.