HDFC Bank — loan is not approved

Address: Ludhiana, Punjab

Dear sir,

This is to inform you that myself rajesh kumar r/o village and post office dulehar, tehsil haroli, distt una. Himachal pradesh having hdfc bank account number xxxx in your mall road branch ludhiana, having ifsc code xxxx.

Sir, i want to clarify that my salary account is opened on my residence proofs of himachal pradesh in hdfc mall road branch ludhiana punjab, and i am working in m/s happy steels pvt ltd. Kanganwal road ludhiana as assistant manager billing and accounts.

I also want to clarify that i do not have any residence in ludhiana punjab, self or rented, and i used to up/down on bike daily to my office which is 85 kilometers from my native place.

I am applying for personal loan from a long period due to my requirement, as i have talk so many time your head office chandigarh office with mam seema, mam kabita and so many others of your executives, and also the executives of my parent branch mall road ludhiana, when i apply from himachal pradesh, our parent branch executives says that they can not approve the loan on the basis of application of himachal pradesh
On the other hand my parent brach is not approving the loan amount because i do not have any residence proof of ludhiana punjab, they says that i have to arrange rent deed from ludhiana anywhere, then they can approve
One the basis of suggession made to me by your executives i arrange rent deed on the residence proof of my factory coleague,
And the another online application was filled as per the guidelines of your executives, after that they process the application,
My loan amount is only rejected because my coleague refuses to show his residence property.

Now i want to know how can i apply for loan, it can not be approved in himachal pradesh because i am not working in himachal pradesh,
On the other hand it also can not be passed because i do not have any residential proof/property in punjab.
I want to know, why my loan is not approved, when all the shown documents were as suggested your executives,

And i want to tell you that my loan is not approved only due to your executices only

An early action in this reference will be highly appreciated.