I have taken 2, 00, 000 RS. Personal Loan from Fraudial Fullerton India Private Limited and their representative told me the interest only 19% p.a. fixed but in actual they were charged 31% p.a. reducing same like a local money lender rate I had to settle the loan within one year by paying more than 3, 00, 000 RS.and my actual borrowing was only 2, 00, 000 RS. Just like 1.5 times in one year . No mercy by their representative or bank manager they told that you have to pay the amount .