I am having a home loan account no. 6660003649 with PNBHFL from 2012 for a amount of Rs 32 lacs with interest rate of 10.5% (floating) but Interest rate was revised to 10.75% as per RBI rates. But now PNB is giving to new customers interest rate of 10.10%. Hence, I asked then to decrease the interest rate. But got reply from them that they can revise interest rate to 10.25 % (floating) subject to conversion fees of 0.5% of outstanding balance + service tax @ 12.36%. But same is not as per rules and would require PNBHFL to revise rates without any charges.

The PNBHFL cannot revise the rules as per their will. They can offer less rate if I pay the charges but not revise the rates if same are not paid. They are offering better rates to new customers and not to existing customers. Hence, as existing customer I want them to revise interest rates without any charges.

Email Id: nkbarmy@gmail.