Prepayment Charges on the OD limit by HDFC Bank

I have a OD limit with HDFC Bank for a very long time and HDFC bank has been charging high interest rates from me and now other private bank offers me lower rate of interest and I want to switch the bank. If I switch my bank right now then do I have to pay the foreclosure charges? Today I received a letter from the bank citing the changes in the agreement regarding the prepayment charges. They tend to charge 4% if I am not registered under MSME at the relevant time of availing the facilities and 2% if I am registered and NIL if I want to reduce the business liabilities. My renewal date is due in June and I was registered under MSME and I have a MSME certificate dated 29.03.2022. I want to ask: 1) The exact definition of prepayment charges and whether they apply at the time of renewal? 2) Whether I come under MSME or not as mentioned by the bank at the time of availing the services? 3) If I change my bank by the means of takeover at the time of renewal, then whether the prepayment charges apply or not? 4) If I Pay all the outstanding amount with my own funds at any given point of time, then whether the prepayment charges apply or not?