LIC Housing Finance — ROI for my home loan a/c[protected]

Address:

Hyderabad, Andhra Pradesh

Hi, I have take home loan from LICHFL in 2011 March with ROI (3 years fixed) 10.7% at LICHFL Gachibowli, Hyderabad. Now in the LICHFL site the ROI is showing 11.75%. I was surprised to see the ROI showing in the site as the interest rates are coming down in these days but LICHFL is increasing them (Current ROI is 10.1% for fresh loans). Please let me know the correct interest rate LICHFL is charging on my home loan. If it is not decreased, I am planning to transfer my home loan balance to some other bank.