ICICI Bank is charging 13.25 % for home loan

I took my home loan from ICICI bank in Year 2004 and started paying EMI in FEB 2005 at an interest rate of 7.25 %. When interest rates for home loans started increasing in India, ICICI bank was leading the show by charging maximum interest rate compared to other private banks in India. Interest rate kept increasing since then and I always found that ICICI bank was charging more than what is being offered by the market.

I made 2 pre-payments against my home loan in order to reduce the principal amount so home loan can be finished earlier as my pay-off tenure was increasing as well with the interest rates. Also, when I look at my amortization schedule, it seems that ICICI has increased the interest rate both the times when I made pre-payment.

Currently I am paying an interest rate of 13.25 % (though I checked with all my friends who have home loan from ICICI bank and everybody else is paying 12.5 % only).

I checked with bank also for my interest rates being higher than others but they gave me some unconvincing answers. I would like to know if somebody else is also facing unethical behavior from ICICI bank for their home loans and if anything can be done to fix this.

Thanks in advance.