Part payment on HDFC personal loan

Hello

I have a HDFC personal loan which was taken as a top up. The tenure is of 6 years. While the website says, there is a lock in period of 1 year, post which you can upto 25% of the principal amount in a financial year. This is allowed only twice during the loan tenure. My question has anyone prepaid their personal loan before. If yes, how did you do it? Did you increase the EMI amount after a certain period or made a part payment larger than the stated 25%. How often did you do it?