Indiabulls cheated me with rate of interest and subvention scheme

I made a Pre-Booking in under construction building of OMKAR builder. i opted for housing loan in Indiabulls housing finance ltd. at the time of loan sanction they clearly stated that the rate of interest would be 8.40 % and i also signed the loan agreement clearly stating the rate of interest as 8.40% which was floating rate of interest and i agreed on the same as if RBI hike or minimises the rate of interest then i will pay according to the norms of RBI in this iniabulls have also agreed that they will act according to the RBI norms. But it have been 3 years and till the date the pre-emi amount that i m getting is with higher rate of interest that is 12% but the RBI has minimised the rate of interest from past 8 months but still the finance company is charging same Pre-emi amount which is clear cheating with me, I have also requested them to revert my access amount which they charged inspite of low rate of interest aftre RBI norms beacuse when RBI hiked the rate of interst they hiked the PRE-emi amount but now the RBI have decreased the rate of interest still they are charging me the same . I have also enquired in other banks and SBI is giving me the 7.25% rate of interest ,So I thought to transfer the homeloans to SBI from Indiabulls and now they are charging me foreclousre amount of rs. 2 lakhs why should take the liability of this as if other banks are ating as per the RBI normas and giving a reliable rate of interest then why Indiabulls is not following the RBI guildelines. Indiabulls have cheated on me and many other customers. Indiabulls comes under RBI so its necessary to follow the RBI guidelines.which its not following in every situation only the customer is fool Questions: What should i do in Such situation ? IS there any law or court where i can file complaint? Are there any chances that my money will get refunded?