Home Credit India Finance — Charging to much interest

When I talked to your customer care person. Who said ki aapko utne hi mahino ka interest pay Krna hoga jitne me ye active rehta he matlab ki agar aap 4 months me ye amount pay kr dete he to baaki ka interest maaf ho jaega...to is hisaab se me ye amount 8 months me clear kr rahi hu..to 8 month ka interest lgakr 1, 20000 x 25.2% = 30, 240 ÷ 12 = 2520 x 8 = 20, 160.
To poore 8 months ka interest he 20, 160.
Or mene ab tk total amount of 5 EMI = 28, 030 + 35000 = 63, 030 pay kr diya he.

Final 1, 40, 160 mujhe pay krne he total interest k sath to 1, 40, 160 - 63, 030 = 77, 130 remaining.
to extra amount kyu charge ho raha he. Customer care executive inform me to pay 86000 approx more. to close the loan.
this is so unfair and I want to close this loan in this month by paying the final amount of 77130 rupees. Kindly decrease the payment as I am fair and paid EMI on time.