Hi, you have to ask the Bank only. If they not satisfactorily answered your query then you can cancel the processing. 

Refuse the loan than. You can complain to RBI 

Approach reputed housing finance company for loan 

in alternative go on for it reputed banks from public and private sector 

As per the rbi guidelines they need to give you a reason for denial. But transparency cannot be expected from them. You can complaint to banking ombudsman or cosumer court for the same

1. The information you provided is too scant to give you further advice in understanding what wrong has been caused to you.

Anyway if you are aggrieved by any of actions arising out your loan transaction then you can file case before the consumer forum seeking redressal of the grievance and damages.

If the dispute extends to the limit of attachment of your property then  your recourse lied in Debt Recovery Tribunal. 

What clarity are you not getting from the bank ?

Are they not sanctioning the loan despite submitting all reliable and genuine documents?

Did they reject your application?

Did they respond to your application or there was no response at all?

If the bank remains silent without giving you any details, then you can look for some other bank for home loan instead of wasting your precious time with these people who are reluctant.

You cannot force them to sanction loan because sanctioning loan shall be the final discretion of the bank manager.

If you have sufficient time, energy and money then you can initiate legal action against the bank for their hostile attitude, but the ultimate result may not be in your favor hence think about it twice before   planning to initiate any legal action against them.

Written complaint to the bank ombudsman 

File a complaint in the consumer forum immediately for deficiency in services and unfair trade practices.

Dear Sir,

Some Banks and their legal advisors for a want of some monitory consideration do like that. If you are not comfortable with the branch you may approach its Head office or even banking ombudsman. Alternatively you may take entire file from it and approach any other bank which is more comfortable to you in advancing the loan.

In which bank you're applying for home loan in that bank's head office.

You can ask for clarification in case you do not understand any particular term.

Dear Sir/Madam,

You are suggested to file am RTI application and the bank will be required to give that. 

You should approach Banking ombudsman or you can file suit before consumer forum against bank on ground that loan was issued without disclosing all the details about loan scheme. 

File a complaint with the banking ombudsman appointed by the RBI on line.

You need to contact the Branch Manager of the Bank and seek clarity in writing expressly  E mails for the process of loan sanctions .

No forum or Advocate and Lawyer would provide you complete clarity of process of loan.

Therefore for your best interest approach bank manager directly if not satisfied drop the proposal and withdraw from accepting the  loan from such dark shadow bank.

- You should lodge a complaint against the said bank to its head office , and thereby ask for giving you complete information . 

- Further , you can also file a complaint before the Consumer forum on the ground of deficiency of service by the said bank.