govt once again must need to consider the objective of publec sector bank ??? profitability and finacial inclusin, zero balance account, student accounts,pmjdy ac,branches and atm in majority area of india,govt loan to each and every one, cant go simultaniously..please sir once agian think about it.. public sector bank is not for the profit...it is for the uplifment of society..growth...

if govt want profitablity in psb than work like private bank , dont open accounts like PMJDY,dont open branches in rural area,dont give loan to weaker saction of socity,dont give loan contain govt subsidy,dont allow poor to step in bank, minimum balance in sb ac 5000rs, levy heavy charges for debit credit card atm use cheque book,dont give even a single UNSECURED LOAN, not political interfrence, not open a single student account(scholarship account), do only profitable business. what govt want ?

i m really shocked after reading the pdf file explaining the performance of psb vs private sector bank. i really not understand that govt's major concern is only profitability ?? the main function of psb is financial inclusion, uplifment of weaker class of society,more and more branches need to open in rural area. if govt want to make psb like private bank than forget about loan to weaker saction and also zero balance ac open like pmjdy.and also sutdown of branches in rural area

i read the file containing the performance of psv vs private bank and came to know that main reason behind poor performance of psb is technological upgradation and insufficiant manpower. people prefer to do job in private bank because of greater pay scale and other facilities

all psb is using different software so one bank is not able to check the status of customer in other bank and so take loan from one bank even though overdue or npa borrower in other bank. if is it not possible to use 1 software by all bank. than at least make 1 portal for all bank psb & private bank, where all customer's loan details is availabale ( something like cibil, but must be more accurate than cibil)

govt must need to give some power to branch manager like file FIR against NPA borrower, minimize the political interface of sarapanch,taluka panchayat sabhaya, mp, mla etc., govt also need to curb corruption in District Development Organisation (jilla udhyog kendra) which give recommendation to bank for sanction of loan to each and everyone after getting 2000rs or 5000rs without considering any other thing. also the recovery policy must be make very strong. if npa is recover psb will be no. 1

due to frequent transfer Branch Manager even not able to understand the people of village..and also frequent and out of home state and out of native place posting even not interested to do business.

We have to factor that the efficiency ratios do not capture the range of activity.for eg state banks do govt business and run currency chests .tThese activity is not captured.Add to this rural banks priority lending that tilt a superficial analysis.Even so in general terms efficiency is dependent on Quality and extent of computerization,personnel systems and procedures,policies and energy and drive of Top management. Many Banks have not,except SBI,have not reengineerd the processes.urge PSB to

बैंकर का working time जब तक regulate नही किया जाता और बैंकर को समान समाजिक जीवन जीने का अवसर नही दिया जाता तब तक. और govt जो बैंकों की १ नंबर की कमई को ऋण माफ़ी जैसी योजना से बर्बाद न करे | बैंकर जितना रिस्क उठाते है उनको उसके मुताबिक वेतन| PMJDY से बैंकों को हजारो करोड़ का नुकसान हुआ है सिर्फ स्टेशनरी जुटाने में| ये नुकसान govt नही भरेगी| जो समय बैंकर ऋण देने में लगा सकते है वे जीरो बैलेंस अकाउंट खोलने में लगा रहे है| उस पर वेतन loss में चल रहे उपक्रमों के कर्मियों का आधा भी नही| improve what?

बॆकॊमॆ विभिन‌ प्रकार‌ कॆ काम‌ आमजन‌ करता हॆ| रकम‌/चॆक‌ जमा करना, रकम‌ निकालना, पासबुक‌ लिख्वाना, रकम दुसरी बॆक भॆजना (ड्राफ्ट् निकलवाना) विगॆरॆ. इसमॆसॆ कुछ् काम‌ बॆक "बॆक‌ अधिक्रुत‌ मॊबाईल‌ ऎजन्ट‌" रख्कर‌ कर‌ शकतॆ हॆ.