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I took a housing loan from ICICI in OCT 2006 with ROI 9% (LBPUN00001374420) ...Believe me I have paid only 4 installments with initially quoted RIO. I dont remember any rate changes from RBI apart from 0.5 basis point last to last month but RIO on my Home loan changed from existing 12% to 13.25%. It was 12% in Jan2011, 12.5% in feb, 12.75 % in March & now I have just checked its whopping 13.25% for April 2011. Is anybody from RBI listening? ..What kind of loot is this? Do we have somebody who is looking at these matters?