IDBI Bank — Rate of interest is not updating as per market rate

Address:	Kolkata, West Bengal, 700101
Website:	www.consumercomplaints.in

The rate of interest has been cut down to 8.65 % for exisitng customer from month of feb2017.

After fill up the conversion form & pay the amount & the amount has been deducted from the saving account directly.

My queries are -
1. Why idbi bank ask for confirmation from customer to change the roi?

2. Will idbi take concern of customer, when roi will be raised and deduct amount after confirmation of the customer?

3. Bank will pay me the amount that i have loose the amount from last 6 month?

4. Who will responsible for this inconvenience?

5. Is this type of services provided by bank & ask for services charges?