Indian Overseas Bank — Regarding loan

Address:

Faizabad, Uttar Pradesh, 224001

Sir,
I am 15 years old account holder of iob faizabad uttar pradesh, with a/c xxxxxxxxxxxxxx1516, i was visited the branch and requested for issuing car loan but they were denied the application. They had not said to me the reason. They told me i am unable for car loan amount. I have transacted for 15 years. And no further loan amount into the branch. I have also r. D which is running in branch. I pay 4000 /- month for the r. D amount.
Will you please tell me the reason that i could satisfy. Because they did not resolve it.
Thanks
Your faithfull