Increasing Interest rates in India

I dont know some how i am feeling uncomfortable for the rise in intrest rates in india. I know that people who have lots of money will be benifited though. But if you take an example of a middle class person it is tough for him to pay for his loans.

I am paying for my Mortgage which i have taken from ICICI Bank, when i have taken the loan in the begining it was around 7.5%. Now th interest became 11% that it is becoming almost tough for me to survive. I dont know why government is not taking any responsibility to impose reduction of intrest rates.

Is it having any relationship with inflation.

I think it is always better to take loand from public sector banks like SBI or SBH etc..not ICICI bank or HDFC bank.

I heard like Life Insurance Corporation of India is giving housing loans for less interest rate.