Agent promised lower interest rate, bank denies it

The loan agent promised 8.2% interest, but after sanction the bank offered 9.4%. What rights do borrowers have in this case?
The Black Box of Banking: Why It’s Time for the RBI to Force Banks to Tell Us Why They Said No

You’ve spent weeks gathering bank statements, updating your tax returns, and double-checking your credit score.
Hidden charges added to my HDFC home loan EMI

My EMI suddenly increased due to hidden charges that were never explained during loan approval. Can banks do this legally? Please share advice.
SBI rejected my loan after 3 months of processing

I submitted all required documents and completed verification, but after waiting for 3 months my home loan was rejected without clear reason. Has anyone faced this issue? What action can borrowers take against such delays?