In case you dont know, application forms are available online from web sites of almost all the public sector banks; It take 10 minutes to down loan one. If you care to read and understand the documentation requirement; it hardly takes 15 days to get loan sanctioned. Once you get loan sanctioned from PSU bank, after wards no hazzles. Dont talk about not having time; I am sure you are no Mukesh Ambani. These private sector banks have spoon fed a lot of bull shit about quick processing and after wards suck your blood. For your arrogance and attitude of not having time (man, you are buying your own home?) you deserve their fleecing. Best of luck!