[Resolved]  ICICI Home Loan — ROI more than other banks

I have home loan from ICICI bank account. I am seeing that ICICI is pretty agreesive while increasing rate of interest, but while reducing they are not following RBI instructions. ICICI used to charge near about 2% extra than other private sector banks. Recently I have been offered by an ICICI Home loan finance Chichwad branch, if I want to reduce ROI by 0.75% I have to pay them approx 30, 000 Rs then they may provide ICICI lombard insurance + reduced ROI 0.75% and commited me that I will be treated as new customer. So in future ROI may reduced on top of it.
Now my question is why ICICI differentiate between new and Old customer. Who has given them such rights to do so? Is this under any legal complaince that new loan holder and old has different way of treatment? Please provide more information if such kind of previledge RBI provides to banks, I never seen such kind of treatment in other nationalize or other Private sector banks. My question is, does RBI regulate on their way of working, facilatating with end customer. Or banks do have rights to make their own way of rules and regulation in terms deciding ROI for different category of customers, like different peoples have different ROI. Now a days RBI has taken so many good steps to facilate end customers, but the banks like ICICI are not providing releif to their customers. Till now, ICICI Bank has announced a cut for a category of home loans. While the interest rate has been lowered by as much as 1.5 percentage point, the lower rate is only for new borrowers taking loans up to Rs 20 lakh. Then waht is use of RBI's initative against lowering CRR and repo rate. RBI should moniter such fraud banks like ICICI, weather they really providing facilty govern by RBI or not.