A borrower is supposed to consider pros and cons if some thing goes wrong in future. The rules are made for all borrowers under the scheme with uniformity, and laid down procedure can not be made to suit one's convenience. The amount advanced is Public money acquired through deposits, and Bank is liable to return those depositor's money, and can not say that as they have failed to collect amount advanced, they can not repay deposits. It depends on discretion of Bank, and Bank has to act as per laid down regulations including attachment of accounts, salary and CIBIL score automatically follows.
Have you received any demand notice from the Bank ? If you have received it then pray before the Bank mentioning your monthly salary supported by a xerox copy of your pay slip that you are ready to repay 1/3 of your salary against your loan along with interests accrued thereon month by month and every month . If the Bank disagree with that proposal you may file a Writ of Mandamus before the Constitutional Bench of the High Court for relief and redress.