Bajaj Finserv — personal loan - roi cheated

Address:

Mumbai, Mumbai City, Maharashtra, 410209

My self md nishat alam, i have got rs. 60, 000 (Sixty thousand) personal loan from bajaj finserve, my agreement no 405psted438496, his person committed me rate of interest is 19.6 percent and now i check that the rate of interest is 30.01 percent. They charged me rs 2647/- emi for 36 months.

And in app showing rate of interest is 19.6 percent and in calculation, it is 30.01 percent, is it legal to commit 19.6 percent roi and charge 30.01 percent roi.