I had taken a personal loan for Rs 199000 in end March 2011 for a period of one year and I had cleared paying instalments in April, May and June. When I took the loan I was told that I can close it anytime at a charge of 4% on outstanding principal. When I wanted to close now, first I was told that I cannot close before one year. After raising complaints and on my insisting of closing the loan, now I am told to pay all the pending 9 instalments as well as 4% on outstanding principal. If the bank is taking all the instalments - does this fall... read full review »