They changed tenure from 36 to 48 months. When I missed one emi during the peak of covid crisis, a rep called saying that they understand the situation, but later they restarted the loan to fresh 48 months. So, all my previous 10 emis were lost. I finished it after 5 years. They again deducted a small amount of less than 200 rupees towards some service charges, so scary... Feel like closing that bank account altogether...
