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I have an home loan from HDFC since 2003 on a floating rate of interest basis. When ever I request a statement on my home loan, they send only the amount I paid till date. Recently I asked them to send a total break up of loan with the balance of principal amount to pay. On receiving such a statement, I was shocked to note that I have to pay a lot more than what have been initially planned for the 60 months loan period. In short HDFC increased the interest rate without ever intimating us. Since the EMIs kept at the same rate we never realised the impact of increase in interest. In order to complete with market, HDFC offered lower interest rate to the new customers by naming it as special interest rate thereby denying its old customers with the same rate of interest offered to its new customers. In the absence of notification for the hike in interest rate, the customers are denied the chance of looking for alternative cheaper loans. Also by offering lower rate of interest by way of special offer to new customers and at the same time charging higher rate from the existing customers, its clear case of cheating.