I applied for a personal loan, they misguided me on charges whenever I tried to finalize the deal. When they waive off one charge they will intentionally introduce some other charge by some new name and try to extract as much money as possible from the customer in the name of different kind of charges against the loan. When you ask for simple loan, they will force you again and again to take flexi loan to maximize their profit. They approve higher amount in flexi to maximize the charges. Every person from top to bottom in this company gives wrong information and misguide the customer. So always go for any bank for loan, not these financial institutions.