Hello I am ARI here, I am the existing customer for AXIS bank from the last 2 yrs, my loan amount is 48 lakhs and the ROI is 11.25%. They asked to pay 0.5% to reduce 0.25%( will be 11%) is it worthable or i can change other bank(SBI) which is offering 10.25%. pls suggest me what to do. also how will be charges to close the loan and take a new loan from sbi . thanks.