In an explosive confession, man of the moment Nirav Modi has revealed that he had initially approached State Bank of India for loan, but a bank employee had turned him down saying it was lunch time.“I went to a SBI branch to ask for loan because I wanted to follow in the footsteps of my mentor Vijay Mallya , who had also taken a loan of around a thousand crore from SBI. But as soon as I entered the bank, an employee told me to come back later because it was lunch-time. I told him I am a billionaire jeweller and I have some urgent work in the bank, but he did not care and said only Swiggy delivery guys were welcomed in the bank during lunch hours and no one else,” Nirav Modi told our reporter.“I assumed they had never heard the name Nirav Modi before, so I told them I am a business mogul. But one employee laughed at my face on hearing that and said it does not matter if you are Nirav Modi or Narendra Modi, no one can make SBI employees work during lunch hours. This made me so angry that I decided I will never come to SBI again. I called my mentor Vijay Mallya after that and he suggested that I visit Punjab National Bank ,” he added.The SBI employee who had turned down Nirav Modi was awarded by the bank because he prevented a huge scam.“After the Vijay Mallya incident, we are making sure that no one can scam us. We won't allow anyone to walk away with public's money. In fact, we have started implementing such safety features that even the public can't walk away with their own money; that is why all our ATMs are never working,” the employee who averted the scam said.