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When all other banks are reducing the rate of interests, HDFC is moving very slowly. It seems they are not at all interested to reduce ROI. SBI has given a blow to HDFC by reducing its ROI. Existing loan customers of HDFC are thinking and shifting their loan to SBI. Now, HDFC is feeling the real heat. When existing customers approaced HDFC for asking to reduce their ROI, HDFC is asking them to pay 0.5% on the loan amount so they can change the ROI to 10.25%. When asked why to pay 0.5% as we are existing customers they say it as conversion charges. This is really ridiculous. Can\\\'t HDFC do the same without charging 0.5% for existing customers? HDFC only wants to earn good money, they don\\\'t follow any ethics. They will be on top whenever they get chance to increase ROI. We also heard that it increased precloser charges from 2% to 3% making existing customers to stick with them by paying high ROI to them. They don\\\'t even inform any customers about the latest updates. How would an existing customer will know that HDFC is offering to reducing ROI by charging 0.5% on loan amount? HDFC has to change their mindsets and also all the existing customers should fight with HDFC for a fair business.