Own Contribution Reciept (OCR) is one of the most important things in one's loan processing. If you have given any bearer cheaques please check with your bank statements as the banks need mention the bearer name while clearing the cheaque and show them the details to the bank officials for their approval.

If you haven't given any beare cheaques then you need arrange funds again and do the process as the bank insists in paying the margin money through cheaque only.