Getting top-up home loan is tough?

I applied a top-up home loan in Feb 2021 and its almost end of June 2021. 5 months completed and I am still standing where I started. I have a good cibil score, no previous black history and still I don't get anything. I have escalated to almost all heads in the bank but no use. I believe that's the reason every peip6are going to private banks. Or the national bannks having informal toe up with private sector bank so that automatically we will go to private banks?