I have taken loan from ICICI bank in 2005 on floating rate. For last 4 years interest rates were going northwards and my EMI kept on increasing. I was sincerely paying increased EMI without any complaint for last 4 years. Now when time has come to reduce interest rates because of slew of measures taken by RBI they are asking .5% + service tax to go to lower interest rate. Is this justified? Why I should pay processing fee to reduce interest rates when I didn't complain when they were increasing interest rates for last 4 years. Kindly advise...