Pre-approved Loan facility charges, processing fees…

I took Rs. 2 lakh from ICICI as a pre-approved personal loan at EMI Rs. 5, 466. Out of the said amount, I actually received only Rs. 19, 7753. Rs 2, 247 were deducted as ‘Processing fees’ charged by the bank.

Now, from my first EMI of Rs. 5, 466, the bank has deducted Rs 3, 000 as ‘Pre-approved loan facility charges’ which they claim are as per RBI directives (1.5 % of whole loan amount, here Rs. 2, 00, 000 * 1.5 = Rs. 3, 000) of this credit facility. My question is that is there some pre-approved personal loan charges imposed genuinely by RBI?

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