Vijaya Bank — no proper support not getting from bank even if I am a clean account holder.

Address: Janpath, near ram mandir, kharvel nagar, bhubaneswar -751001, Khordha, Odisha

Study loan taken 2 times n cleared before the scheduled time.
1st home loan obtained in 2003 n cleared. No dues pending.
2nd renovation loan taken n paying regularly n closing balance as on date is only 14k plus.

My a/c is in the same bank since 1996 n my salary is also credited in the said account as on date.
There was a discrepancy in 2008 which has been cleared n settled in same time.

My a/c is a clean account but while requesting for a loan again for some renovation work bank is refusing n even if not clearing me the reason.