Namaskar, My name is Abhishek Amarnath I leave in Lucknow. I had two Home loans with HDFC LTD-Account- 510845539 & 519360329 for the amount of Rs 500000 lacs approx from lucknow. Being an honest customer I have been paying my Emi on time . My interest rate for 1st loan was Initially 9.75 % , which HDFC increased from 9.75% to 14.25 % & my interest for my 2nd loan was Initially 8.75 % which they have increased from 8.75% to 11.75 % .

As I was repaying them through ECS I was totally unaware about this cheating. As there was no intimation from the bank to me that the Interest Rates has been modified. Recently Somehow a source of mine told that the current ROI is 10.75% with HDFC and I am paying a very high ROI. So Immediately I escalated my mater to seniors of HDFC bank even marked a copy to Mr. Puri. As expected No reply from any concern, After many reminders I got one childes explanation from one executive for some RPLR hike revised policies etc. Since I don’t want to pay this very high ROI, I decided to repay & done 1st loan repayment in the month of Nov 14 & 2nd loan repayment done in 1st week of Jan 2015. While making final payment when I inquire for my property paper branch manager told me “After clearing this cheque she will send the request to HDFC head office & they will send my papers to branch” She also informed me this process will take 15 days time.

On 9th Jan 2015 I called that Branch Manager & informed him about the clearing of that cheque, that time again she given me 15 days time. After passing 15 days when today I inquired with that lady “ She again started that same story “I will send mail to my HDFC main office & after 15 days your paper will come”. Now I totally fed up, What kind of banker they are ? is this the correct way of doing business. THEY INCREASED ROI WITH ANY INFORMATION, NOW HARASSING ME FOR RETURNING MY PROPERTY PAPER. I feel local money lenders are having more transparency in their business & they do much fair dealing with their customers. One thing is very clear In future neither I will do any business with them nor I will advise anyone in my circle to do any kind of dealing with them.