Student Visa (F1, F2, M1, M2)

Hello,

I got my visa rejected twice the first interview was on July 24 time 9:30 in the morning and it went on like this...

Me: Good morning mam
VO:which was your passed out year?
Me:this year 2017
VO: what is your percentage?
Me: 70% with zero backlogs
VO: what is your gre score?
Me:291
VO:who is sponsoring you?
Me:my father
VO: what does he do?
Me: he is an agriculturist
VO: what is his annual income?
Me: 12 Lakhs per annum
VO: what does he grow?
Me: paddy
VO: how many acres?
Me:26
VO: can you show me your passbook?
Me: first passed on the fixed deposit bonds and savings bank statements then she again asked for passbook then I passed the passbook looked at it for a while...
VO: sorry sir this time you are not getting ur visa and gave me letter containing 214b and told me this form will explain you why...

I thought that since I don't have educational loan and may be I am not financially strong enough so she rejected me...so I planned to go with my educational loan next time...

Got my educational loan sanctioned for 20 lakhs took the letter Along with other FD bonds and statements and went for the interview

Second interview on august 10 morning 11:30

Again got the same VO the second time so she sent me to the other counter where a male VO is taking the interview I was waiting for my turn..

VO: hello sir
Me:good morning sir, how are you?
VO:fine,how do you do?
Me:fine sir
VO: have you attend your visa interview before?
Me: yes sir
VO:where?
Me:Hyderabad
VO:which was your passed out year?
Me:2017
VO:what was your gpa or percentage?
Me:70% with zero backlogs
VO: saw my i 20 why fdu?
Me: talked about university...
VO: stopped me in the middle and asked how you are going to manage your expenses?
Me: I have an educational loan of 20 lakhs and my sponsors got liquid cash of 15 lakhs 9lakhs in the form of FDs and 6 Lakhs in my sisters account as she is also working in TCS as a software developer...
VO:what does your parents do?
Me: my father is an agriculturist and my mother is a homemaker
VO: what is his annual income?
Me:12 Lakhs
VO: how many acres?
Me:26 acres

Thought for a while told me unfortunately you are not getting your visa this time and gave me the 214b section letter...

I was in shock that what might me the reason for my rejection I couldn't sort it out...can anyone please suggest me the changes I need to make to get my visa approved I am planning to go my third interview next week...

Thank you.