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IndiaBulls — interest rate and loan conversion

I have a term loan which started in 2015 with 180 instalments @13% interest rate. Over time this has now increased to 300 instalments and at 16% interest.
Now with rate of interest going down as directed by Govt. Indiabulls is not changing any rate.
Also, when i requested to convert the loan to Housing Loan the same is being denied by Indiabulls.
Please help.
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