Usually in the loan application all details are recorded. In the sanction letter ICICI bank has confirmed the mutually agreed rates. In the loan agreement bank has deviated from mutually agreed rates.
Your complaint is :
-In the loan agreement bank has deviated from mutually agreed rates.
-On the printed document bank staff has altered the rates by insertions by hand and you claim that your signatures, towards accepting these alternations, have been forged.
As per RBI guidelines bank has to supply you the certified copy of loan documents e.g. application, agreement.
When the loan agreement was supplied to you after disbursement of loan, or before the disbursement?
The loan is floating from first year or after fixed for first few years (say 3 years) and floating thereafter?
Has the bank supplied any document justifying the new rates inserted in loan agreement by manual alteration?
You may submit a representation covering all points by letter under acknowledgment to the BM of the branch which has received/processed your loan application and demand a reply in writing by letter under original seal and signature by hand of the competent employee of the bank thru redg/speed post only, so as to reach you say in next 7 days.
Bank shall have to act on your complaint since according to you your signatures have been forged. If the bank resorts to verbal mode and does not reply in writing you may escalate the matter to Nodal Officer/Chairman of the bank and approach a competent and experienced lawyer. Your lawyer may choose to issue a legal notice.