can a Bank deny to provide a copy of its Loan Recovery policy under RTI ACT?

I want to have a copy of Loan recovery policy document of a Bank. The Nationalised Bank, which is a government of india undertaking , is declining to provide the same on the pretext that it is a confidential document. My question is
WHETHER A NATIONALISED BANK DECLINE TO PROVIDE COPY OF THE LOAN RECOVERY POLICY OR ANY OTHER POLICY DOCUMENT TO A CITIZEN WHEN THE SAME IS SOUGHT UNDER THE R T I ACT.

First of all I am not very sure if the loan taken ANY fixed deposit is a secured loan.?

Secondly, I also want to know if, I take a loan against a fixed deposit and I am not able to repay it, at the maturity date, I shall have a liability towards bank.
As far as basic logic says, bank did not lend any money to me and what I have is a part of my deposit.Why should bank ask for more money from me then?

Any pointer links to Reserve bank of India with norms for these conditions shall be helpful.