ICICI Bank — home loan interest

Address:

800025

Hi,
My name is mukul kumar, i am having home loan of icici at patna, bihar and paying emi from april-2015 till date.

I just want to know i am paying interest @ 9.2% pa, but rbi has cut down the interest @ 8.35%, i am keep on paying more interest @0.85% more from last 1 year, for that i visited to my bank they told me that i have to pay rs 16000/- to transfer it to some other scheme to avail the current interest rate of 8.35%, my question is that if the rate of interest is floating than why it wast not automatically slash down to 8.35% pa, why should i pay money to transfer the same to different scheme.
My home loan account is lbptn[protected] and 2867844

If icici can transfer my loan account to present scheme, without any additional money from customer, well and fine, otherwise please provide me the following documents to transfer my loan account to axis bank (Foc basis).

1) loan account statement
2) outstanding letter
3) list of document.

I will get it transfer to axis bank/ bob as free of cost
Since i am relocated to ahmedabad-gujrat, and i am available on my registered mobile no [protected]
Please come fast to revert on my mail and providing me the above 3 documents to transfer my loan to other bank, because i have paid excess interest @ 0.85% from last 1 year for which i paid rs 20230/- extra to the bank.

Hope for your revert soon.
Thanks
Mukul kumar
[protected]