Don't waste your time and energy chasing these buggers. They rejected my fiancee's application, and when I asked for the exact reason, they kept telling me it was a business decision based on multiple factors. Even escalating it to the grievance cell citing RBI's directive didn't help. So you either ignore them and move on, or ask them for the exact reason over emails, and then report to the RBI Ombudsman with all the proofs.