PaySense — Loan interest rate

My self anil chowdhury and i have been taken a loan from paysense the amount was 57000 and i have already paid my 7month of loan amount which is 4660 ruppes per month but due to this covid 19 virus i lost my job and due to that i didn't paid my loan for three months as it was approved by the government and i was supposed to pay my amount on june but as i was job less i couldn't pay the amount i told them that i am ready to pay a fine amount but on this month i can pay the they said ok but they put a fine amount which is 4660 ruppes and with that they put a plenty charge which is 128ruppes so during this period when most o[censored]s are jobless this kind of interest rate they are taking which is not possible for us to pay i thought they will take a charge of 1000ruppes so i would be helpful if you could look at this matter.