[Resolved]  Home Credit India Finance — Home Credit Personal Loan Tenure & EMI

As per the loan application form and agreement, the tenure of loan is 45 months and flat interest rate is 21.14%. Recently I have taken a loan statement and in that its mentioned as loan tenure 56 months and interest rate calculating per month is above 50%.

Moratorium was only applied for April, July and Aug 2020. If this 3 months added in tenure, final tenure will 48 months only.

When I applied the loan, tenure was 45 months and installment end date was Nov 2023. But as per the recent statement, installment end date mentioned was Oct 2024.

Also a Safe Pay Fee per Month – 630/- “ is debiting on each month EMI.

Loan Number : [protected]