SBI — car loan

Car loan/ i have a car loan a/c no. [protected] in the year june 2015. Bank recovered the interest rate 9.40%. But in currently the interest rate is 9.25%on car loan. Please clarify why the excess interest rate charged by the bank. Please check my interest rate from loaning date to till date. Kindly inform immediately on my email id is [protected]@rediffmail.com. Dated 06/08/2018
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