I got to know that there was a easy process personal loan being offered at policybazaar.com with zero processing fee and low interest rate of 11 % but when I applied then the agent redirected me to the concerned bank and the employee told me that there ia no such kind of zero processing fee and they were charging for Rs. 3000 processing fee for Rs. 300000 loan so I thought that there will be consideration in interest but interest they told me that its 18% so it was revealed because I had made detailed enquiries of the loan and I asked for written terms and conditions of the loan before I applied the loan so just be careful and ask for the written terms policies before applying for loan