LIC Housing Finance — ROI for floating loan didn’t reduce

Dear Sir, This is bringing to your notice, RBI reduced lending rate two times but it has been observed that LIC HSG finance never did the same. For my case you had increased rate of interest when RBI increased the lending rate. The same rules should be followed when lending rate have been reduced., could you provide the reason for that, my details are as follow. Name: Mohd Shadab LOAN Number:[protected] Time sanction Loan ROI: 10.50% (Rate of interest had been increased 10.50 to 11.50).but is was reduse till 8.3 and it is going on in current but when i checked My Loan ROI with LICHFL ..they have confirmed the loan ROI is going on 11.50% it is not able to understand the calculation or increased the ROI without Information to client.
I have received quotation from other bank to balance transfer they will provide 9.85% of interest. Why should I continue with LIC HSG