Gic Housing Finance Ltd. — GIC is charging 12.5% on my Hom Loan

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New Delhi, Delhi

My name is Rajesh kumar and i have taken loan amount of 8.13 Lac from GIC housing in the month of July/Aug 2011 with 9.9% ROI and it's also mentioned on my offer latter and that time branch manager committed to me the same ROI will be till July/Aug 2013 and insurance will be free for 20 years. But now GIC is charging 12.5% and also charging insurance from my EMI amounts every months. I just wanted to know if other Bank Rate of Interest (ROI) is 10.5 % max but why GIC is charging 12.5% to me? Please look into this and down the ROI so, that i can continue to pay the EMI on time. GIC File No.- G06700