Uneducated people are more suffering due to lack of banking knowledge to do their day to day work thru banking. All branched dealing in remote /village area need to appoint 1 to 2 customer assistant who is really helpful to people, not only because of banks/govt policy to appoint such staff. villages not having bank in nearby area, can be given mobile van facility by visiting particular day in area as decided and need of the villagers. Making profit should not be the motto of at least PSB's,

The public sector bank should give more focus on - 1) Better customer service 2) More user friendly internet and mobile portals 3) Effective working employes who can serve customer better 5) Upgraded IT and non-IT infrastructure 6) More branches and ATM in remote areas 7) Hiring better people by providing good salary etc. We need to do case study why people prefers private institutions instead of government. The reason is that quality of service provided by private where customer is first.

Private banks are hiring lower cadre local staff at very cheap rate ,totally on contract but if the same is done by PSBs all labour laws are coming in force .Why not same playing field is available to PSBs,What we can do is that make a pool of people who are ready to do Jobs-through Job exchange-they will pass certain exams- banks can employe for wheever they needs them for temporary needs.

To enhance the productivity of Public Sector Banks few points I want to suggest like : 1.Implement Compulsory Retirement Scheme for Senior resources. 2.Introduce Performance Appraisal System with true letter and spirit. 3. Based on consistent non performance some exemplary action need to be taken against the non-performing staffs which can be an eye-opener for the other employees. 4.Bank should focus on Maximum per customer cross sell.It should be minimum 8 Product per customer.

Private banks are only profit making and they cross sales a lot of financial products which actually only designed for benefit of banks and having higher commission to staff.In contrary PSBs which can be used to cater all financial needs of people of India are lacking due to less staffs .

A boost in the banking industry is also expected from the rising per capita income in India, which along with a growth in the earning population of the country will lead to a higher number of people utilising banking services ,and this growth is expected to come for the people in general who according me would want to keep there hard earned money with PSBs only as it is hard earned money and people trust PSBs as ithey are backed by GOV and for PSBs Peole are first Profit is secondry

The Indian banking sector has high growth potential, primarily due to proposed high growth of the country’s economy, as compared to other developed nations.Therefore, it is also essential to analyse the growth drivers of the industry as if we can develope and explore the potentials believe me this has the ability to change indias economic future and global status of India.

Third one is due diligence should be made while lending. Banks must be allowed to work on their own. Bureaucratic or political pressure must not be put on banks while lending. This may result in increase of NPA's.

to save cost towards printing, preserving, moving cheque. Govt now encourage moving payment through NEFT/RTGS. ECS and Cheque payment should be stopped. NEFT/RTGS payment should be made cost free. frauds through cheque committed can be eliminated and recipient of fund will get superfast credit. return of cheque/ecs will be eliminated. Bankers can save 8000 - 10000 Cr per year in printing/preserving/clearing cheque and stationery.

The next thing is control the power of unions. They shouldn't be allowed in administration related works and decision making functions. They can take active part when something wrong doing is happening or some injustice is done to anyone but not in important decision making process.