Hi today I will be sharing my experiences with HCI. As in 3 may I bought a mobile from them. The price of that mobile was 12000 rs. I decided to take that on installment. So I took finance from homecredit. And they just looted me seriously. The interest rate was 17 % on the actual price of 12000. Even they took 2400 that very moment as the first installment. They financed 9600 only but charged on 12000. I suggest dont take any thing from them guys.