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My personal experience is so much worse with this bank. They target those people who are thinking to finance a loan first time because they have lack knowledge in this sector. They will charge a high rate of interest which a normal person can’t afford easily and if you missed any EMI by mistake then they will charge a high amount for that. I would advise that no matter how bad a situation or circumstances you have, never ever finance a loan by this bank otherwise you will be stuck badly.