Dear Mr. Viram Pandit, the Citi Financial finance company that is part of your Citi Group is very unfair to its consumers. When the normal home loan and top up loan rates are around 8.5%-10% how come Citi finance is charging 15.5 %. It is very unfair. If you have the slightest affection towards your country and your people in Mumbai, please check the accounts of Citifinance Mumbai. This status is as of today 22nd May 2010.