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Fixed rate of interest, Monthly Compounding interest on Principle amount on reducing basis, INTEREST/PRINCIPLE/EMI, is dependent on the amount of your loan and its tenure.
In case of EMI loans, it is important to remember, the monthly instalment that has to be paid by you, tends to reduce, as the term of repayment increases, it means the longer the tenure is, the lesser is the INTEREST/PRINCIPLE/EMI, that has to be paid every month.
If any amount is defaulted, penalty of 3% on overdue amount will be imposed.
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