Banks charging Pre payment charges for Cash Credit accounts of SMEs

If the credit facility expired, or not extended, then they should not charge...

Thanks for your reply Sir....

But any guideline/notification which clearly states this that they should not charge....

It will be helpful...

There is no such guideline/notification. Banks have their own working instructions.

Check your original loan appraisal letter for any such charges. If no specific clause of any such charging, then in that case you can complain it to Bank's Ombudsman.