Pay the amount in full if it doesn't have been slapped with late fee, Interest and all that….. In case of accrued interest charges, late fee you may simply need to send a mail to customer service for reversal of amount if they doesn't entertain your request you may further escalate it to higher authorities. There is all way a higher chance that they'll cooperate you.
Based on my experience with HDFC, RBL, SBI, ICICI…. I found ICICI being more prudent to not entertaining your reversal request.