I am approaching the sbi bank naval base branch, visakhapatnam for a personal loan of 2.5 lakhs since last march. As the financial year ending the loan has started to issue in may. From may there is always different excuses from branch regarding the issue of loan. After a long try I completed the requisite formalities on 4th june and from bank it was instucted that the money will be credited to the account within one week. But I didnt received money till 14 th june, so I approached the bank manager nk choudhary again for the issue. It was a too cold and irresponsible attitude from the bank manager. He told me that getting a loan is not your right and its not at all their headache. At last the wodings from the branch manager that the loan will be rejected as of that I asked about the loan proceedings.