The Area Manager at Pune Swargate branch is here to gain favours, rather than doing service to customer. His high-handedness / ability of not lifting phones / shouting at customers makes him one of all creatures of service industry.
He tries to suggest that he is doing the favour by giving loan to customers.. After you point that his commitment is falling apart, he suggests you to get lost !!
I would ask my friends, to stay away from this.