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I was checking two wheeler loans and what I can see is pre-approved personal loans are comparatively cheaper than bike loans ! Also, the hassle with hypothecation is not there in case I pay with personal loan. Just wanted to check if banks can make trouble later anyway if they find out later ?

Recently due to rate hikes by RBI, the lending rate of my home loan has increased by 0.6% - which is ok. What is not ok is that to keep the EMI amount same, they have extended the loan tenure by 1.5 years without informing me or any kind of consent taken. Any help on how to raise complaint to...