It is true that banks have adopted latest technology, practices but still they lag behind private sector and foreignbanks because of our HR Practices and Poor Wages and Welfare Conditions which are not commensurate with Pvt/Foreign banks operating in India; infact we are all way behind Central and State Govt servants, College Professors/Lecturers this anomaly has to be immediately set right; Payment of Bonus/Gratuity to be amended to suit the present day needs; This will motivate bankers greatly

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1) use advance Technology 2) some banks are not working properly (less customers) better to merge them 3)employees must be Friendly (now employees were so angry) 4) In order to avoid 3 option reduce work pressure 5) reduce retirement age( employment will increases) 6) In order to increase funds in Banks better to implement low payment insurance schemes in PSB 7) avoid mis communication 8) try to reduce the govt involvement ( give some freedom to Higher authority take decisions)

. # there are several credit rating agencies are in India viz crisil,cibil,unifax,experian,icra etc. I am not aware of whether their servers are interlinked with each other agency, if not then compulsory should be interlinked so that banker can get benefited to access for all credit agencies. This prevents lending additional loans to willful defaultors of another bank.# strict rules to be put In practice so borrower should not default to pay back his debts.

. # there are several credit rating agencies are in India viz crisil,cibil,unifax,experian,icra etc. I am not aware of whether their servers are interlinked with each other agency, if not then compulsory should be interlinked so that banker can get benefited to access for all credit agencies. This prevents lending additional loans to willful defaultors of another bank.# strict rules to be put In practice so borrower should not default to pay back his debts.

#unfortunate thing is banker can get credibility of a person who demands loan by just keying in his name (there will be N number Of list of a same names which is most difficult to find out whether this data is pertaining to same only) which can not be said the data generated is pertaining to right person unless pan card card is made mandatory to get credit ratings.

#first and foremost thing is to be done is any one thing it may be adhaar card or pan card (preferably pan card ) should be made mandatory to open an account in any nationalised bank .say if pan card is made mandatory for account opening then whatever transactions takes place will be traced out easily by income tax officer this generates more income to govt from those persons who finds various tricks to evade tax.

Come with schemes where you own tractors rent it out to the farmers and collect rents, sell second hand tractors, fund innovation projects that convert other auto mobiles to farm equipment with tillers and other equipment fitted to them to reduce the cost and compete with tractor like capital goods. Procure interest rate on loans in terms of grains and use these grains for commodity exchange operations by setting up futures based derivative contracts on exchanges so that farmer and banks benefit

By not allowing market rates for farmers produce we are not creating infrastructure in rural india to help retail and farm links to be established by private players in the agricultural sector which could lead to more people supporting a difficult task dependent on uncertain weather and poor capital and poor technology. The farmers are unable to pay back their loans, their suicide deaths, and poor soil health is because we are not spotting those opportunities to work in tandem with them.

Banks must be careful and should get alarmed when something is given for free. If we give something for free to unidentified people and say we are funding poor people, we will in my opinion end up creating more poor people. Nobody has the intention to steal a poor man's food. I appreciate the prime minister's PMJDY scheme, but the previous governments subsidy culture has undermined labour rates and prices paid to farmers by not allowing market value determination for their produce.