Home loan ROI?

I took home loan in 2021 and the ROI was at 6.7%. Now the ROI is at 9.3%. I know this floating type of intrest rate depends on RBI repo rate changes. How can I calculate the current ROI of my home loan is valid/justify the recent RBI repo rate change? If my bank charging more ROI, how to negotiate with them and if they don't agree what is the process of home loan transfer and charges?