Amit Kumar — extra charge and loan

Address: Chandigarh, Punjab, 160101

I have purchaged a new hero hf deluxe bike details are given by the agency
On cash = 55525 rs. (All taxes includes)
Given cash payment =20000 rs.
Loan amount[protected]=35525 (Loan passed from idfc rs=44000)
Agent told me processing fee=3750 (Persentage not given by the agent?)
Rate of interest=10.52
As par agency - 35525+3750=39275
18 months emi=2368
2830 rs. Deducted from my account and 475 per month * 18 month =8316 rs. Extra why???
Agency name - regency automobile plot n. 148 ind. Area phase 2 panchkula, haryana
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    Chandigarh
    Punjab
    India
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