Implement cast Quota System only on the basis of merit, not on the basis of only cast. Just to fill the quota don't appoint any less qualified person. Teach them how to handle the customer. CUSTOMER HI BHAGWAN HAI, aisa slogan ki jagah haqiqat me ho.

Give them monthly targets as Private Banks then they will perform.

1 to increase efficiency of staff introduce Fixed/variable(85%-15%)component in the pay structure on the basis of ACR review system.2 training to staff be provided off field 75% & onfield 25%.3 Lesser & qualitative supervision be done instead of numbers of inefficient formal inspections being done presently,which discourages the work attitude.4 Over crowding of branches at a place to be discourage as they increase unethical competence M & A to be expedited immediately now.

Main problem which I think, why poor people don't open their bank accounts in the Bank, is that, there is no help for illiterate people in the bank. Nobody is their to tell them how to deposit money, withdraw money, deposit cheque, use ATM etc. So, a bank executive in each and every bank should be their to help and train these kind of people and encourage more and more people to open bank account.

There should be roadmap for privatizing the public sector banks. Government should hold stake so that in the long run can they can maximise the returns but the management should be given to shareholders and board. There should be equity sale to potential investors including institutional investors and Government should become minority / strategic stakeholders. Fresh equity should be raised from the market by the new strategic investors.

Public Sector Banks and private sector cannot open branches at all non-profitable areas, however banking has to reach but to all corners of the country. Financial intermediaries such as schools, post offices, NBFCs and Micro Finance Institutions should be enabled to act as intermediaries to provide basic banking facilities such as deposits, withdrawals, passbook entries. These intermediaries should be paid suitable commission.

Public Sector Banks while scruntizing an education loan should not have a critarea of co-applicant should get his salary thorough checks,because seeker of education load are the ones who are economically poor but skilled,co-applicant is economically weak thats why he's seeking for an education loan,co-applicant can be a daily base labour then how will he show salary slips,and just because he cant fullfill this criteria thier proposal is rejected,this is a reason for poor litteracy rate.

first i would say in goverment banking sector tecnologey working verey good but human being work verey badley. his behavior is verey bad i want everey banking employee to respond verey honestey because in india maney people illitreate and poor and goverement take action fast.

Government being the owner of PSBs, should ensure carrying all its banking transactions, keeping deposits, borrowings etc. only in PSBs and not in Private Banks. PSBs are implementing social banking measures of Govt like opening Jandhan a/cs, extending liberalized credit to weaker sections, AGRI/MSME loans etc. at huge cost and borrowing at higher rates in money market. Pvt Banks mobilize funds from Govt and lending to HNIs/MNCs. Govt should deal only with PSBs/encourage public to use PSBs.

try and dissuade the customers from visiting the banks. across all the banks SBI has the best user friendly net banking software. net banking should be encouraged. today net banking there is a cost for funds transfer and for cheque transfer it is free "" rather strange"" when it should be encouraged