Thanks for your feedback. One can have endless debates about how much one should charge, even in the above threads, there’s request for 12.5, 12 
If it was 12.5, questions would be why can’t it be 11.5, in line with what our NBFC charges as rate of interest for loans availed. The comparisons can be endless.
We believe what we’re charging is fair, and reflects the value of the service we provide.