Punjab National Bank [PNB] — Regarding loan on defence pension

Address:

Ajmer, Rajasthan

Dear sir I m retired from Indian navy and getting pension 22890. When I approach bank manager regarding loan on my pension he said that I can get only 20 month pension as a loan.this loan I get when the other loan on my civil is cleared. Now l want to bring two point in ur knowledge .1 SBI is giving 48 month pension as a loan as per RBI direction .pnb
Refused to follow the RBI direction.
2 after my retirement I m doing some other business as shown in my ITR but pnb manager said he will give the loan as per cibil and he will consider only my pension amount.the other amount earn by me from business will not be considered .kindly look into that why the bank is not following RBI direction for defence pension loans
Thanking u