LIC HFL — home loan interest

Address:	Pune, Maharashtra, 411014
Website:	www.lichousing.com

Hello,
I have availed home loan form lichfl in dec 11 with floating base interest rate as 10.4%. After fix period rise in interest rate is updated in system automatically from 10.4 to 10.8 to 11 % peirodically but the decrease in iterest since last two years is not updated which goes down to 9% as per rbi guideline. This impacts around 50k-60k with reduced tenure for which i was applicable since 2014 as per other customers record.
I requested to have correction in my home loan leisure to branch manager, kharadi, pune but showing no interest on account its not possible case. Insptie of regular emi i have to be at a loss because no intimation regarding rate revision by lic hfl. I have following questions:
1. If we have opted for floating roi & increase in roi is updated automatically in system then why not decrease in roi? Now asking for rewrting? Why its needed & why not intimated to customer before?
2. Request you to correct the leisure as per my eligibility for change in roi for 9%. People have been doing it since last 2 years.
3. Why lic hfl has no system to intimate customer about same? No mail, no sms, no postal mails?

Request lichfl to consider this case positively to correct this gap at heavy loss to customer.

Thanks
Shrihari rasal