Bajaj Finance — This is with regards to my personal loan took from bajaj finance - huge variance in rate of interest

Address:	500048
Website:	www.bajajfinserv.in/finance

Hello Sir,

This is in regards to the recent Personal Loan taken from Bajaj Finserv (Agreement No. 400PHT[protected]. Please find the below details:
Preapproved Loan Amount Finance : 3, 24, 000
Amount got in my Account : 3, 05, 000
Agreement Date 31/07/2016
Interest Rate 12.46 %
Tenure (In Months) 60

Till now I have paid 7 EMI's of 8, 765 INR per month and the total is INR.61, 355 for my loan amount which I received in my bank account of INR.3, 05, 000 (of approved amount of 3, 24, 000).

As I want to close this loan and requested them for the pre-closure / foreclosure but they are sending me the huge amount to be the final settlement like Interest for the month charges of Rs.4, 086.33 and Foreclosure charges @ 4% at O/S principal and again Interest on Termination Rs.177.67 per day (i.e. again 4, 086.33).

They imposed many charges to close this loan and in the starting they said there will be no foreclosure / pre-closure charges to close this loan and now they imposed it and also the monthly interest charges are doubled.

Till yesterday I have paid 7 EMI's for personal loan and If I asked you for the pre-closure you are trying to impose all the double charges on me like monthly interest and pre-closure charges etc. I will close this loan by this week and for that send me the detailed statement, foreclosure / pre-closure amount for the final settlement to close this PL permanently.

Please Note: I am a diabetic patient and also have the cataract in both of my eyes. I am a middle class person and financially limited due to which I want to close this loan at the earliest.