[Resolved]  Home Credit India Finance — loan interest wrongly calculated

Address:

304 matrubaug annex near kala talav tel exchange kalyan west

I have taken a loan of rs 200000 on 28.51% flat interest rate for the tenure of 48 months. I have paid 6emi. I have taken moratorium for the period of 5 months. My emi amount is 8917 as per the flat interest rate. As per the flat interest rate calculations my interest part of emi should be 4751 per month as it is flat interest rate not reducing. So my principal part in emi should be 4166 per month. I have paid emi for 6 months so my outstanding balance should be 4166*6 = 24996,
[protected]= 175004. They are saying that my outstanding balance is 189576.76. Also they have charged interest for moratorium period of 5 months for 6951.25 per month i. E. 34756.25. On what basis they have calculated this amount?? I want to foreclose this loan and i am agree to pay my outstanding balance of 175004+[protected]*5) = 198759 but they are asking for to much amount than this. Kindly help me in this matter