Lichfl — High ROI charged at 11.2%

Address:

700102

Hi, I have a housing loan with LICHFL, loan number[protected]. It is of floating interest rate (initial 3 years ROI was 10 %). Now from October 2016 my ROI is suddenly increased into 11.2 %, however according to RBI home loan rate should be reduced. In spite of repeated request, they have not reduced it. Please suggest what should I do?

I have emailed LICHFL and did not get a response.