Chennai is the capital of the state of Tamil Nadu and is India's fourth largest metropolitan city. It is located on the Coromandel Coast of the Bay of Bengal. With an estimated population of 6.91 million the 368-year-old city is the 34th largest metropolitan area in the world.

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The interest rates offered also vary, depending on factors like age of the consumer, total family income, tenure of the loan, other assets held and credit-worthiness, judging from past transactions.