Sbi Jharia Bazar, Dhanbad (Jharkhand) / personnel loan

I am ardendu kumar singh. I am a govt teacher and working at govt. middle school lodna, jharia1, dhanbad (jharkhand). my payment account (a/c no-[protected]) in sbi jharia bazar, dhanbad. I want to take a personnel loan 4-5 lac. last 6-8 month I try about that time mr s. k. prasad is br. manager. he many time says to me, you come after 15/30 days. 2 month ago anew br. manager (mishra ji) join there. I meet new manager 3 time about loan. why he not interested to give me loan? why? please help me. how can I take personnel loan through sbi jharia bazar branch.

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