In a bank, whenever RBI or govt asks to do something special, bank management simply designates same officer of branch for all task like, a 2 months newly joined officer is responsible for loan recovery, account opening, TDs recovery, DD issuing, ATM related issue, PMLA implementation, KYC compliance, and many more with daily 200+ customer dealings. Just because he is designated as officer admin incharge. This much of work pressure will definitly degrade the quality of service to customers

PSU banks today are performing with exceptional efficiency , giving tough fight to Their Private sector counterparts. Yet , there are two areas where PSU bank employees are at a distinct advantage : 1) The saleary structure od PSU bank employees is comparable neither with private sector banks nor with other Govt .departments. A correction in this anamoly is long overdue and would help motivate lakhs of employees working with bruised egos. 2) Post retirement benefits should also be at par

Regional rural Banks should be strengthened to cater the Banking needs of Rural India.2The branches PSBs in rural should be merged in RRB..3RRBs should be brought under one national umbrela organisation for better management.3Be delinked from sponsor Banks.4Govt should subsidise them for non viable social banking .5 Commercial Banks should do commercial banking only..Salary and working hours be defined and regulated.

JUST CHECK THIS HOW INDIA I RUINING BY UNEDUCATED PEOPLE PERSON DONT SUPPORT OTHER JUST HE IS ONLY GREAT I HAD CALLED AROUND 1 TO 2 MONTH REGARDING THIS CHANGE BUT THIS IS THE SYSTEM OF INDIA . I AM UN NOT SOO INTELLIGENT WHERE ARE ALL 125 CRORE PEOPLE JUST THERE IS NO SCHOLARS WHO CAN GIVE NEW WAY. LIKE OUR PM SIR. JUST SAYING THE ONE IMPORTANT THINGS THAT I HAD LEARNED FROM ALL YOU ELDER REVOLUTION IS MANAGED BY TEAM AND MASS THEN ONLY RESULT COME JUST MANAGE THE REVOLUTION. OF BANK

Why every thing like account opening form, passbook, etc are free for customers.? Cant we charge at least rs 1 for each form, so that banking cost could go down? Govt always compare public banks with pvt for profit earnings.but never see that its only pblic banks who is serving in remote areas, and that too in very less service charges as compaired to pvt banks.

THE SYSTEM HAS TO BE CHANGE LIKE YOUR GREAT PM IS WORKING I HAD JOINED CSP BUT THERE I HAD SEEN NGO ARE JUST FOOLING AND TORTURING PEOPLE AND SBI I ALSO JUST EARNING FROM PEOPLE NOT SUPPORTED COMMON MAN BECAUSE I OUR INDIA SYSTEM SHOULD BE NOT MANAGE PROPERLY

There should be departments at branch level , so that when a custmer visit a branch, any employee cant ask him to move to next table. All social banking should be done through social wing of banks and commercial through commercial wing. Their should be a bank court in every district for fast and quick recovery of bad loans. As laws are made to ensure credit facility to citizens, similary laws must be made to ensure loan recovery.

Let all public government sector banks to use ATMs of each other and this will help increase number of ATMs and reach to the public. Banks can decide with each other and share the price among each other, this will save billions of rupees of public sector banks, increase ATM counts, increase security.

The one important factor affecting PSBs is its transfer policy.They are posting natives of Uttar Pradesh, Bihar in Tamilnadu purpose best known to them .(Worst example transfer posting in Indian Bank: Every year one transfer and that too north indiaans in south )2. In very risky banking operational work staff is asked to work late and on holidays also.Salary of a clerk competiting all india competion is less than a sweeper of state govt.Bank management is stereotype not ready to open eyes.

Wages should be revised for workmen to attract the young blood.Human resource management should be more active. And should use the IT platform to reduce the cost of recruitment. Say for example if person is not reporting on the given date then we should not wait for next cycle to for recruitment. he should be contacted through email and phone and if he is not interested to join .waiting list should be issued as soon as possible. And the required number of staff should be required immediately.