ROC charge creation value

I had 3 term loans in a single bank availed at various intervals . Roc index of charges was last updated in the year 2016 for value 56L. Now ive taken another new loan. for 20L ..Out of previous 3 loans 2 are completed in the year 2019 itself, no change made in roc charges.. Now bank is asking to create charge for amount valuing all 4 loans for amount 76 L= 56L + 20L(new loan)., even including the completed 2 loans value. should i do that.is this right procedure. plz advise friends.