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I am an executive working with MNC. I had taken a home loan from HDFC in November 2005. The rate of interest applicable then was 7.5 %. I was told that this interest rate is special for my company and less than what other customers and banks were charging. Later on HDFC kept on revising based on RBI rate which is acceptable. But, the revision has now lead to a situation where the interest rate, which is 11.75%, from HDFC is 2 - 2.25 % above other banks public sector banks. When I checked with bank they told, they are not directly coming under RBI. Then why they responded to previous hikes from RBI?? Only they do not know, how to reduce. Very bad!!! So guys when ever you take any loans, take from good public sector banks. I now feel trapped with HDFC as they are charging very high rate as compared to market. There should be some action against them from RBI.