Jammu & Kashmir Bank / J&k Bank — Pcl not granted even having salary a/c as well as loan a/c with the bank

Address:

Jammu, Jammu and Kashmir, 180001

To
The chairman
Jammu and kashmir bank ltd
Sub: pcl not granted by the bank being loyal with the bank since 2008 (The jammu and kashmir bank ltd)
Respected sir,
I have my salary a/c in jkb from last 8 years and having two well maintaining loans running with them.
One car loan and one pcl, now having my sister marriage i have an urgent need of rs 3 lacs i reached to the nearest branches of jkb in order to issue new pcl of 5 lacs. So that the previous pcl having balance 1.78 lacs stands adjusted by the bank and provide me the remaining 3.22 lacs
As per my salary they are asking my eligibility must be 4.80 lacs i agreed on that but after wards they stuck to the condition that two govt gurrantors has been required which i don’t have being an employee in pvt company since 2008 and don’t have even any relative in govt sector.
Unable to understand that what type of services bank is offering to their loyal customers my track is neat and clean in the bank and paying my emi on time still i am suffering to get the same.
Requesting your good self to look into the matter and do the needful
As i am providing them their own bank customers as gurrantors who has well running cc limits with them but get no from them, because of their in efficiency that they have done some bad loans in the past i have to suffer even being loyal to the bank.
Unable to apply for the same in pvt banks also due to emi obligations so suggest where to go and what to do.
I
Thanks & regards
Amit sharma
Bajaj allianz general insurance co ltd
[protected]
Salary a/c : s/b 6537 jkb b/o trikuta nagar
Car loan a/c : car 69 jkb b/o toph sherkhania
Pcl: 192 jkb b/o toph sherkhania