Misbehavior and Discrimination at SBI Branch Manager

[tempmirzaa]

Bhai log, main kal (yesterday) SBI local branch gaya personal loan ke liye. Jab maine loan ka purpose bataya ki home construction ke liye chahiye, toh manager ne bola:

"Tum personal loan kyon le rahe ho? Main tumhe home loan dunga. Kal aa jana aur ghar ke documents le aana."

Maine usse bola ki hamare area mein 2004 ke baad municipality permission letter milna band ho gaya hai, sirf purane documents hi hain. Usne bola koi problem nahi, le aana.

Main aaj subah dobara gaya aur sab home documents dikhaye. Dekhne ke baad usne bola:

"Tumhare paas municipality permission letter nahi hai, isliye hum loan nahi de sakte."

Tab maine bola: "Thik hai, aap mujhe personal loan de do. Main ek salaried person hoon.
Meri salary ₹95,245 hai, CIBIL score 777 hai, 10 saal ka credit history hai, Form 16 hai, salary slips aur bank statement bhi dunga."

Tab manager ne gusse mein jawab diya:
"Humein private employee ki salary se koi lena dena nahi. Humein sirf government employee chahiye.
Private employee humare liye useless hain, unka koi guarantee nahi hota. Aaj kaam kar rahe hain, kal naukri chali jaayegi.
Private employee joker hote hain, hum unpe trust nahi karte."

Maine usse bola: "Aap yeh sab likh kar paper pe do."
Toh usne seedha mana kar diya aur bola:

"Private employees ko hum personal loan nahi dete."

Jab maine bola ki main aapki complaint higher authorities aur RBI mein dunga, toh usne jawab diya:

"Humein koi farak nahi padta. Jaake jo karna hai kar lo."

Isliye bade bade log default karke ja rahe yah log khamosh baith rahe hain

 

[hender]

Yes, I’ve checked YONO and Net Banking multiple times — but since SBI never converted my account to a salary account, I always get this message:

"Personal Loans are only available to Salary Account holders. Your account is a normal savings account."

Even though ₹95K salary is credited monthly, they didn’t update it as a salary account.
I asked for conversion too, but they refused saying: “We only convert accounts for tie-up companies.”

So without salary account status, YONO doesn’t show any pre-approved offer — and branch also rejects loan just because I’m from a private company.

Still exploring options now. Appreciate your help bhai 🙌

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[varunagarwal]

What happened to you is truly tragic but sbi does give personal loan or any kind of loans to private employees also The only condition here is your company need to be tied up with sbi for salary accounts.
You can again go to any sbi branch for salary account conversion if your company falls under their company list they will surely do the conversion and then personal loan.
For the officer part you can complain the incident on crcf.bank.sbi