I want to say some points on my personal experience with public sector banks. In most of the banks the staff are emphathetic towards the customers. In most cases they are very rude(I personally experienced in ANDHRA BANK). They doesn't care about customers issues. Very lazy towards the work. This makes the customers restless which is not in case of pvt banks. The most important thing in this competitive world is best service. First PSB's has to improve that.

to create healthy working enviornment there should be proper Delegation of Authority to subordinates.every customer & everystaff of Bank must be Digitally Literate. small course of banking are also offered to the new youngsters working in banks to suit the banking enviornment. personal grooming and soft skill development programs must be organised.Banking Awareness programs must be organised for entire staff of bank and customers.

To increase the efficiency of bank staffs,there should be adequate manpower to serve.Recruit more youngsters in bank. There should be Fixed working hours for all banks.They are working in the late nights also. so they are getting frustrated to customers. Their pay is much lesser than central govt staffs, strikes must be avoided by increase pay structure with central govt staffs. Their pay comn may be combined with 7 th CPC. Pass books may be digitalised. ATM old system be continued to avoid rush

Sir,we know that many banks are on 2nd,3 or even more upgraded floor which is not accessible to old person(due to their age) and physically handicap person that is very typical for them to take stairs.Can we provide the facilities that bank reach to them through their representatives or employees to their customer and it also enhance the business of banks and new jobs in India and also enhance our countries GDP and accessible to old person. Agar hum apno ka khayal nhi rakhenge to kon rakhega....

Moreover the bank staffs should be well dressed with proper I'd cards in there neck as like private bank employees. There should be proper arrangement for the que in the brabch. Public dealing must be done to correct 5 o clock so that it will decrease the work load of the bank staffs. As well as it enhance the satisfaction of customers

Create an awareness to the people in all parts of the country regarding the importance of Public sector banks. In my view there is no special budget need to allocate for this thing because create a mandatory responsibility to a government employee that spreading this in Rural areas in his week end plan.

The first thing which a bank should be acknowledged about the cleaness and mainteness. Most of the branches are not up to mark therefore there must be a cleaning superviser or officer in each branch who will not only take care of cleaness but also responsible for the proper maintainece of each machinery and materials used in a particular branch. This will help to cater those high class customers who generally do not prefer to visit the branch due to unhygienic environment.

Process of documentation for giving bank loan, opening of bank account etc should be announced. since now with the help of aadhar card bank account should be opened. by writing only aadhar card number in the account opening form. Even joint account holder and nomination may be accepted by Addhar card number only. Loan account document should contain only loan amount, rate of interest, repayment schedule etc. Bulk documents should be obtained in the electronic form. easy to preserve.no limitation

Please arrange to introduce Chip-n-Pin Pass books for SB A/C holders and install ATM cum Pass book printer at the branches as quickly as possible.. It will benefit customers as well as improve the bank bottom line by utilising the services of staffs assigned to print pass books.

In order to achieve complete financial inclusion goal in our country govt should allow banks and assign every one a responsilibility to do a job. There should be a qualitive suuport from the bank employees and a dedicated team of people should be assigned tasks. Governance issues shold be dealt immediately in a bank.