Connectivity/signals of the branches are very poor. This affects to customer service of the branches. All the branches use only BSNL Network for their CBS network. In most of the states, the services of the BSNL is below par. Connectivity is Off for many hours. Due to which customer service is affected. Suggestion – Apart from BSNL, services of the other private telecom operators i.e. Airtel, Tata etc. should be availed in the PSU Banks.

Bank officials are posted at far flung areas just due to wrong policies of the Banks. A officer of Tamilnadu/Kerela Origin is being posted in Punjab/Himachal Pradesh How he can perform there. He even do not know Hindi well, how can he satisfy the needs of rural Punjabi spoken customers. The officers in PSU Banks should be posted preferably within 500 Kms of their home town where they understand the culture and needs of their customers. Moreover mid term transfers should be avoided.

Most of the Banks staff tries to get a better job in some other department and they are not much interest in Banking Job. The most important reason behind this is the financial risk involved in the job, long stressful working hours compared to other govt. institutions and very less payment compared to what risk and stress they have in the service. Wage revision should be finalized in time. The PSU staff should be brought back in the ambit of Central Pay Commission as earlier in 1970s.

A lot many cases are pending with DRT. Due to delay, banks opt for compromises in which they lose a big share of the loan. Suggestion - A time line should be made for DRT i.e. 3 months/6months. The DRT should be bound to issue final orders in this time period only. Further there is also need for opening new DRTs so that cases are finalized in given time schedule.

A big amount of public money is being swept out by such businessmen fraudsters by way of compromise in the Bad Loan accounts. Suggestion – A system should be made in which the so called Bad Debts should be personally recovered from the owner/promoters assets. A system should be made for compromise, in which all the compromise settlements should be vetted by Ministry of Finance before it’s approval. A separate independent institution should be made for this which will vet all the proposals online

First of all the behavior of the staff should be friendly to customer. More and more services to be made easy and with less paper work. For example opening an MOD, RD account is very much cumbersome.

Must reduce wastage of forms available fr various job related to banking services. Staff of bank branch should be suitably rewarded who use less forms for max job. One customer waste av 3 forms fr 1 job. Or appoint someone who do the job for the customers. More mobile service fr banking. Loan above one crore to be awarded only if the business is failed bank has no problem in recovering the loan. Very stringent rules to be adopted for giving loan but if one qualifies loan to be disbursed quickly.

Govt should act only as Shareholder and not management and we should have 5 big banks and not so many banks and they should have esops and targets and private bank incentive structure

P3 Bankers must be given attractive salary in comparison to Central Govt Employees, as they are always surrounded with various risks. This will attract talented youths towards banking sector. Otherwise talents would run away from this sector, which may lead to financial crises in India.

P2 If any Govt is willing to waive Bank loans of poor farmers/entrepreneurs, such money should be credited directly in their loan accounts, so that Banks’ performance could not be affected adversely.