Bank Not Allowing Loan Restructure & GECL For Covid Pandemic Stressed Accounts

I have borrowed commercial vehicle loans from two banks. I'm an existing customer of the bank and I have an excellent track record before the pandemic. During the second pandemic state govt ban, public transport movement from May 21 to Aug 21 this period, I have no business & no income. I have made several requests to both banks to restructure my loan accounts and to extend GECL support under framework 2.0 to sustain my business. One bank denying to support by making a comment account as NPA, when I asked them to clarify the details no reply from the bank. I have paid EMI regularly till April 21 my accounts can't go under NPA. And another bank denying because my mortgagor guarantor was dead and legal heirs not agreed to sign banking documents, but as per the mortgage agreement between me and the guarantor which clearly written that guarantor will sign the documents whenever financial assistance was needed by me. Now it's difficult for me to sustain my business due to a drastic financial crisis. Please advise what shall I do.