No colteral – student loan in india ?

i made my life miserable. i needed a loan for my daughter from PUNJAB NATIONAL BANK at Meerut. It negated my daufgter not being a domicile of UP ( Meerut ). I approached SBI at Sec’bad . After several round of quallel i was given a booklet containing appl form. Documents reqd needed a several round travels to and fro Meerut where i was employed.
Then i was posted to Sec/bad . Aapproached PNB once again. they asked for documents which were nothing but considered colateral ( less than 4.5 lakhs ). the y wanted a joint account, they wanted asset verification, they sent their inspector physical verification of the immoveable assts of the student parent. IS it not the violation of the extreme level .
To whom should i complaint as the anti poor procedures is meant to deny the needy . it is like oiling the already well oiled machines.
pl forgive me for the typographical mistake- it’s colateral.