HDFC maximum time provide PL with 0 processing fees but they have pre closing charges. Anyways varies account to account.
I will suggest ICICI as they have 0 foreclosure after 12 months of tenure completion and gives competitive rate and tenure options
I believe IDFC do have a 0 foreclosure PL option as well. (irrelevant of any amount of tenure completion), seek that option as well if you are checking online.
Anyways varies account to account.