Remove all Public Sector Banks..

i like to give advice in banking sector to give more benefit to poor people in opening the bank account in every where in India make them to go through bank on wheel by opening bank account in slam area and backward area. go to every village and give bank passbook and ATM card on the spot with name mention on it. they will feel very happy once they photo and atm card in there hand. this will be the best concept to open account in every village.

MESSAGE TO EMPLOYEES : : "MINIMUM MEETINGS MAXIMUM OUTPUT : DO YOUR WORK SINCERELY & ENJOY LIFE STRESS FREE. DUTY HOURS ARE DUTY HOURS. EVERY MINUTE YOU SPEND IN OFFICE IS PAID FOR.MAXIMIZING OUTPUT & CUSTOMER SATISFACTION IS NOT OBLIGATION BUT REQUIREMENT.PUBLIC SECTOR MEANS PUBLIC SERVICE.BE LIBERAL TO EARN BLESSINGS OF THOSE WHO NEED YOUR HELP. YOU ALWAYS PLEAD FOR INCREASE IN WAGES :HAVE YOU EVER CARED WHAT SERVICE YOU PROVIDE. RIGHTS & DUTIES CAN'T BE SEPARATED.FIRST DESERVE THEN DESIRE.

MANY SUITS FILED EITHER DUE TO FEAR OF EXPIRING LIMITATION PERIOD OR JUST TO PLEASE BANK'S ADVOCATE IN COURT PROVE TO BE THROWING GOOD MONEY AFTER BAD MONEY.EVEN AMOUNT EQUAL TO COURT FEE & ADVOCATE'S FEE IS NOT RECOVERABLE.SOMETIMES SUITS ARE FILED AGAINST PERSONS WHO DO NOT EXIST EVEN. SURPRISINGLY NO QUESTION IS ASKED TO PERSON WHO PHYSICALLY VERIFIED THEIR WHEREABOUTS & ASSETS. LIMITATION ACT SHOULD NOT APPLY TO BANK LOANS. VICTIMS OF CIRCUMSTANCES BE WRITTEN OFF BUT WILFULLY DEALT SEVERLY

99 % NPAs are basically bad sanctions thr. intermediate agency/CA/Advocates/corruption. All who are instrumental must be BLACKLISTED. LOANS UNDER GOVERNMENT SCHEME MUST BE GOVERNMENT RESPONSIBILITY EXCEPT OPERATING ROLE. PERSONS & COMPANIES BOTH BE DECLARED DEFAULTERS &INELIGIBLE FOR ANY LOAN ANYWHERE. HYPOTHECATED assets ; LAND/BUILDING BE POSSESSED QUICKLY BY GOVT. FOR ITS USE OR FURTHER SALE BECAUSE PUBLIC IS SCARED TO BUY these.COURT CASES SHOULD Have MAX.TIME LIMIT OF 12 MONTHS.

Complete analysis of assets including stationery/furniture lying unused : may reveal that knowingly more amount is spent as more benefits obtained. Where 1 paper is sufficient to cover necessary information many papers are printed to inflate bills.Eco friendly era needs minimum papers. Repeated information also confuse. Only one paper for particulars & sign below is sufficient for opening a/c as proofs are also enclosed.IN THE ERA OF EASY ACCESSIBILITY DUE TO MOBILES & MAILS reduce paper work.

all those who go on strike - treat it as resignation - in a country where there are millions waiting for employment - it is ridiculous. this one step will set everything else right - not only banks BUT every thing where politicians have created vested interests in the past 7 decades- bureaucracy, coal mines, hospitals, pwd, water works, power etc etc

BANK LOANS SANCTIONING WITHOUT ANY PRESSURE/FAVOR/CORRUPTION &IMPROVING QUALITY IS BETTER WAY OF INCREASING REVENUE.CREATION OF TRANSPARENT CHARGE ON ASSETS SAVES FRAUDS.RECORD MAINTAINING AUTHORITIES MUST KNOW ABOUT LOANS RAISED AGAINST ASSETS SO THAT FURTHER CHARGE COULD NEVER BE CREATED.BANKS DUES CAN EASILY BE PAID WITH SALE PROCEEDS OF CHARGED ASSETS IF PRE SANCTION SURVEY IS GENUINE.OF COURSE STAFF SHOULD NOT EXPECT DIWALI GIFTS FROM BORROWERS/CLIENTS. ACCOUNTABILITY BE FIXED FOR BAD LOANS

HOME LOANS' SELDOM BENEFIT THE POOR EMPLOYED IN UNORGANISED SECTOR SHIFTING JOBS FROM ONE TO ANOTHER AND HAVING SMALL PLOTS (25 SQ MTRS) BUT NOT HAVING REGD. SALE DEED. THEY LIVE IN RENTED HOUSE PAYING RENT MORE THAN MONTHLY INSTALMENTS THEY WOULD PAY IF SANCTIONED LOAN BY BANKS. ALLOWING LOANS ON POA AFTER PROPER VERIFICATIOS & FREQUENT INSPECTIONS ON SITE SHALL BENEFIT BOTH THE BANK & THE BORROWER. REGISTERING BANK'S CHARGE WITH WATER/ELECTRICITY/PROPERTY TAX/LAND RECORDS/ WILL SAVE FRAUDS.

BANKS CHARGE ON LABORER DEPOSITING CASH/CHEQUES FROM THEIR WORK PLACE TO THEIR HOME ACCOUNTS IN THE SAME BANK WHEN SAME BANK IS SINGLE ENTITY. SIMILARLY ON LINE &ATM TRANSACTIONS SAVE LABOR OF BANKS. SMS PREVENTS FRAUDS. THIS IS UNJUST.BETTER CREDIT MANAGEMENT/REDUCING NPAs CAN INCREASE BANK'S INCOME MANYFOLD. PAYING ELECTRICITY/WATER BILL ETC.ON LINE SAVES A LOT OF LABOR OF THE RESPECTIVE DEPARTMENTS & THERE IS NO RISK OF CHEQUES BEING BOUNCED.THEY CHARGE ON SUCH PAYMENTS. THIS IS ALSO NOT FAIR