IDBI Bank — Home Loan ROI being increased without proper justification

Address:

FLAT NO.1105, ORIENT PALACE CHS, AUTADE-HANDEWADI, HADAPSAR

Availed home loan from Emi, Acc No: [protected]. Recently I have noticed that the ROI has been revised to 9.05%, which is itself too high.
On asking the following: Proper justification and Amortization schedule.
IDBI through sms is intimating me that further ROI os being increased with rise in tenure and interest amount. On asking for proposed ROI and future emi and ammortization schedule the following is the reply which I got:
Your ROI has been increased due to increase in REPO rate by RBI. You can do part payment or increase EMI as per your wish. They have not provided the ammortization schedule and emi amount even after 2 -3 reminders.
This is utter unprofessionalism displayed without reason. I want the details as a customer I have the right to know.