[Resolved]  State Bank of India — Regarding non giving of home loan floating interest benefit

R.Sir,
I have purchase a flat with home loan from SBI IOC Road -chandkheda ahmedabad ;Gujarat-382424 branch.now as per agreement I have re-pay for Rs.9.85 lacs in 20yrs.on mortgage of my proprty. Agrement done for floating interest rate 9.25 +1=10.25% .
Monthly EMI of Rs.9695/- equals to 9700/- is Running in ecS.Now when market rate of Homeloan increased to 11%, my home loan rate raised by bank automatically or say as per agreement of Floating rate.When in 2014 rate goes down to 10.10% the sBI not reduce the interest rate to my H/L. Now on inquiry at mother branch(br.code-11768).SBI IOC Road Chandkheda:Ahmedabad; Gujarat I was infirmed that I have to pay amount Rs.4460/- i.e .Charges for getting benefit of current market rate from last rate at calculation rate of 0.56%per lac of Balance /due principle amount of H/L.
Now.
It is unjustice to me for payment of charges for getting benefit of current interest rate, when I have already done agreement with SBi for floating rate home loan.
My SBI a/c no.is [protected].Km Kanshiya.Mob.[protected]