[Resolved]  ICICI Home Loan — Able to increase the EMI of the home loan upon wish, but unable to reduce it now

Hi, I am the home loan holder of the loan with a/c no: LBVPM[protected]. I was able to increase the EMI upon my wish when I was capable of paying it, but unable to reduce it when I am not capable of paying it. Please find the details below: 1. I have taken the home loan for Rs. 21,50,000/- in the year 2007 with a tenure of 20 years. The EMI started at Rs. 23,300/-. 2. In the year 2009, I have requested ICICI to increase my EMI to Rs. 25,000/-. 3. In the year 2010, I have requested ICICI to increase my EMI to Rs. 35,000/- 4. In the year 2012, I have requested ICICI to increase my EMI to Rs. 45,000/- 5. In the year 2013, I have requested ICICI to increase my EMI to Rs. 50,000/-. 6. ICICI has agreed to all the above requests. 7. Now since I am not capable of paying the heavy EMI, I am requesting ICICI to decrease the EMI to Rs. 25,000/- again. For which it is saying that I need to do a part-payment. Even though the EMI is decreased to Rs. 25,000/-, the whole home loan tenure shall still be 11 years only (well below the approved 20 year tenure.) And also, the EMI I am requesting is Rs. 25,000/- which is higher than the initially approved EMI of Rs. 23,300/-. I sincerely request ICICI has to look into the issue and reduce my EMI.