HDFC Bank — HDFC home loan employee complaint

One of the employees from sales department of HDFC bank working at HDFC Exotica branch of Greater Noida west named Nitin. I asked him to apply for PTM( Permission to Mortgage ) in authority as I have taken Home loan from HDFC to start my EMI. He said that he will give PTM in 3 days or most probably in maximum 10 days. Now it's been more than 15 days and he is not responding properly. Everytime I contact him for my PTM he says I will ask my person who is in authority and tell you and he never replies. Due to this not submission of PTM, HDFC bank is going to charge me with Pre-EMI and not EMI and this is just waste of my money which they are getting as profit.