Home Credit India Finance — my outstanding amount is too high even after paid a 11 emi

Website:

www.homecredit.co.in

I had taken personal loan of 70, 000 on intrest rate of 22 percent.i had already paid a 11 EMI.now i want to close the loan so I asked for outstanding amount to customer care.i got shocked to hear that my outstanding amount is 63, 097 now.i allready paid a 30, 000 for 70, 000 loan and after paid 11 emi they said my out standing amount is 63097. i calculated a intrest rate .then I came to know that home credit taking 36 percent intrest rate instead of 22 percent intrest rate. i am doing a job with a low salary and home credit takes a very high intrest rate .i had decided for never take any type of loan from home credit .i feel that home credit had done the fraud with me.