I have been a customer with homecredit for the past two years. I took a personal loan of 40000 Rs . since, I had a very urgent requirement for money I took the loan and never thought the interest rate would be so high ! for 40k the interest rate is 2500 Rs. every month for the next 2 years ! when I did some calulations, I found out that I have to pay double the price of interest, for the actual principal amount. when we try to reach the customer service , most of them are VERY RUDE and not well behaved at all ! in case if we even miss one day to pay the interest amount , we get atleast 10 calls a day to pay the amount, where they talk rude and even raise their voice to customers. initially these people , talk very sweet to people to get a loan. once we take a loan from them , then we comet o see their real face. so my humble request to all those trying to get personal loan from HOME CREDIT , please don't do that mistake and you will end up paying higher interest rates and come under a lot of pressure every month .