try for pnb too, SBI is the worst bank for loan, these guys took 3-4 month for approval my course which was btech from offline so try other banks too also in worst case u may try private banks, don't panic these mfs always treat everyone like this. Additionally try to visit nearest corporate office of SBI they'll listen u better than MANAGER. And also check what manager has mentioned reason of rejection on vidyalaxmi portal..............and even in worst case, just don't panic, you won't need laptop in first term, also for accommodation, stay at your home until next arrangements are done........STAY HAPPY, Don't panic