State Bank Of India [SBI] — home loan top up

Address:

425 GOKHALE ROAD THANE(WEST) DIST THANE, MAHARASHTRA, Thane, Maharashtra, 400602

My name is prashant p patil and i do have home loan with sbi - naupada thane branch. I had applied for home loan top up at sbi naupada branch thane since mar'19 and yet not approved branch while quoting various reason like file got lost, certain manager/employee on holiday sponsored by sbi for europe, certain employee is on leave for two weeks, and many more reasons which i don't want to quote. I had been to sbi branch plenty of time in reference to processing my top up loan but still its in process. I have submitted certain documents thrice due to sbi delayed process, and to process further they require latest documents of light bills, salary slips, and so on...
I am completely frustrated due to this lethargic system of sbi and being nationalised bank we are force to stick to it. But these employee take undue advantage of being a government bank. I do feel sorry for the government systems and being victim of it.
Still failed to understand how other private banks do process same thing in faster way and why government banks do process with their so called experience employees. Still there is plenty off scams in the name of sbi and similar government banks?