What do I do if I get a fake currency note from ATM?

Suppose I withdraw money from some ATM and it turns out that one Rs500 is fake. What do I do then? I think the banks probably keep record of the numbers of new currency notes but what about old notes? Is there any difference between way of handling the issues of new and old fake currency note(s) from ATM? How can I prove to that bank authority that I really withdrew the fake note from their ATM?

What is floating rate of interest for home loan?

I have taken a home loan from LIC for 14 Lacs in 2008 @ 10.75% interst. What should i do to shift my loan to current rate of interest which is around 9.75%?.As per floating interest rate, should it not be changed and result in lower EMI?

Can I get my money back ?

I have been cheated by a fraud finance company. They asked to deposit money in
their Punjab National Bank Accounts. I deposited money. After this they have switched off their mobiles. Will lodging complaint to Police, yield any result ?