Public sector banks are the worst at this point of time.Every single work needs a lot of time, and its a dream to get your work done at one shot. employ more young people who are active. Get more tech savvy people, get more gadget-friendly apps for smart phones, In South Korea, one can use a pass book too to do transactions. Also Upgrade the ATMs. Most of the times it is in Out-Of-Order condition in many areas. Fix it first.

1.There should be active complain department where customer can complain against rude and lazy staff. and customer should be contacted about rust of their complain too .. 2. Latest ATM at Branch where customer can deposit their cash and Cheque as happening in New Zealand 3. Easy and Secure net Banking 4. modern infrastructure

Public Sector Bank Employees are not customer friendly. Complaint box or online complaints against rude & non working employee must be registered, Provision of penalty for More complaint holder employee should be transferred out of state. As no penal provisions for misconduct is in place & Employees unions issues. PSU Bank employees have no effective Monitoring mechanism. Penal provisons for misconduct necessary

1.PSBanks should be more people oriented & helping to poor. 2.More technology adopted services like NET BANK,M-BANK,etc should adopt with clear cut security. 3.Income tax & service tax should be abolished.Instead TRANSACTION TAX MUST BE STARTED. 4.Cash transactions above Rs.10,000/-should be stopped.Only Bank transactions allowed. 5.Withdraw rs.500,1000 currency notes from circulation 4 better financial control & for against fake currency & BLACK MONEY. 6.More single-business correspondents

PS banks should perform rather than demand,follow a few private banks.

These should be a recorder on every counters so that what customer is saying and what employee is replying should be recorded here no much cost is involved a cloud based consolidated storage can be used. Now every employee knows that what answer he is giving is recorded before starting any communication each customer just tell his name so that every comm. can be identified easily. This will increase customer experience in gov. banks because all we know what they say if we ask something.

1. To check the operations of the borrower periodically in the similar fashion as SABI is doing for the stocks. 2. The project proposal prepared by the CA to be reviewed and the rancking to be done of CA biased on the after performance of the borrower for the CA. Some CA may be di qualified for bed investment of their project proposals. 3.The concerned officer in charge to be made answerable for their approved proposal s. This may be linked with their promotions and after retired benefits.

In banks we have to go with a visitor registers or column in services form and in that every coming customer fill not only his in and out time reasons to visit, type of service, attached doc and main service form. If they are refused by employees of banks then they fill in that register/service form that they are refused due to this reason and employees should right this info in that form so that these employees will stop saying any just like that reasons to customers.

We should focus on investments on A. Branch( Development facilities like electricity, generators, diesel) then B. Services given to employees on that branches, then C. Facilities given to customers in that branches. Then cross verification of these payments. for examples currently in banks employees and managers just put the bills to government/head-offfice that they paid XYZ Rs.amount as diesel charges, and XYZ Rs. as electricity bill. Here we have have no cross checks for facks.

1.Good workers should be given recognition. In PS banks horse and donkey run together and sometimes donkey wins the race. 2. Govt departments can deal only with PSBs. 3. Payment of pension etc should be adequqtely rewarded. 4. Govt depts can stop recommending loan beneficiaries. 5. Defaulters deserve strict action. Law may be amended. 6. Consolidating the 19 banks to 3 to 4 banks will save on admin cost thereby increasing profitability. 7. Trainig to handle special customers can augment profit.