CRS to all banks staff ageing 50 year and above.

Please think of lending to healthcare sector to set up hospitals in decentralized manner. Hospitals with different sizes and mobile hospitals with mobile medical equipment is needed. Try to garner funds by coming with scheme that charges very low premium on new born and use this money to invest in healthcare along with private players. Give girl child 50% rebate on till employed especially for rural girl child on premium payment. Ensure every child is insured. Start other health insurance scheme

Try to develop the mindset that people's tax money must be invested and not spent. If spent they must be invested so that they fetch profits and create jobs with better lifestyle. Our past socialistic policies have ruined our thinking and has led to centralized tax department. We should be able to manage our taxes even after eliminating individuals with high income. Entrepreneurs should not pay personal income tax, then they will create more jobs. We should lend these people money.

Please think of using black money without harassing all business for investment starving sectors like railways, agriculture, shipping, aviation for constructing gas operated aeroplanes and import more oil and store in car dikky and import more gold and mobilize idle gold to jwellery industry during marriage and festive season only if approved by all members of BJP and cabinet ministers with more importance to jobs.All black money is because of poor subsidy strategy and policies of past socialist

Please think about lending to all these bottled water companies for them to come with funding strategies to deliver matka and popularize matka in hot places and support more SMEs in retailing lassi, nimboo paani, kaali maarg, goli soda, masala soda, orange and other beverages along with this existing mineral bottle water companies with those companies re-inventing their strategies by creating employees.

Please credit the salary of people working in PSUs on a bi-weekly basis, and encourage this by trying to make it slowly on a daily basis with incentives for people with high deposit amounts by eliminating TDS if they are industrialists. Also please ensure when they release any fund above certain amount say 1 lakh please get it e-attested with sms from pmo office, finance dept, and other state based groups and the individual who make the payment along with his reporting manager will be held resp

Improving Performance of PSB.......Two important issue to be taken care.1.Increase the Service charges,which has been reduced after 2008 but not revised after 2011.Particularly the RTGS/NEFT charges. 2.Reduce the NPA Level.For this some strong and harsh steps required.Wilful defaulter should be punished.Write off system should be abolished.Separate court for the prompt decision to establish. Staffs,Officers misrepresenting the case should be punished.

easy opening of saving account without guarantee should develop in post office and bank. Easy closer of saving account should developed. Easy passbook posting should develop.

Banking and economy closely related for national growth.Modern virtual capitalism ,credit dispensing, project management, job creations, book keeping of income and expense statement banking role is extremely high.Also the payment gateway to integrated process of transaction will speed up all over efficiency.This means all type of retail to major Invoices payment for any XYZ can be done.Also people can save lot of time to do other activities.The figure to and from methods of data with POS we do.

If they want better salary then let it be incentive based. fix targets and see . At the same time fix responsibility for the loan recovery etc on him / her.