I am working as an officer with one of the leading PSB. With my experience, I can say that most of the defaulted loans belongs POLITICAL LEADERS only. If it is made mandatory by EC to get "Non Defaulter" certificate from banks for contesting the election & also CIBIL data of that person is also checked, most of the bad loans will surely be saved.

Sir bank personnel have a sense of feeling that what ever they do they will hardly be suspended but will not b removed from job this feeling troubles people a lot not nly the banking sector but each n every gov office this can be experienced nly soln to this is changing the manner of not removing the people from job those who are not working once u adopt the system that the private companies are using all will be on its way

Dear PM, First government should see employees concerns of PSBs and decide the fixed working hours and good ambience to work. If employees are happy they will provide good customer service. Also, now people are more demanding from PSB but when they are going to private sector they are sitting very silent ly. Also training of the Bank employees in certain interval. As PSB is having good talent and proved many times in the Indian economy. So these are the few points where government to focus.

Customer relationship should be improved. Bank lockers allotments should be made available to all classes of people.

It's very disturbing to see the work culture prevailing in India's PSBs. Each and every employees should be made accountable for his/her tasks. There is a stark difference between the performance in public & private banks. Most of the staffs are not co-operative, taking customers for granted. On one hand the government can inject new funds in such banks to make them tech savvy & on the other more control like appointment of the directors, CEOs should be taken over by the government.

Now a day’s people feel unsafe to keep their jewels at home. So they want to keep their valuable things at “BANK LOCKER” but in our country, looks only VIP can hold the bank lockers. Why don’t we request BANK to build more lockers and should allow the facility to at least 5% of their a/c holders , I’m Jayaraman T.V From Thanjavur, TN, Assume , in my town, at least 25,000 a/c holders are ready to get LKR, Bank can get Rs 10,000 FD per cust and also rent 500 PA.

Sir, I am Somnath Pagar studying in MBA final year.Now am working on new system of SMS base Mobile retail payment service(Pocket Bank) for Banks and in next some days i will definitely developed this system. I found 95+% banks customers have mobile phones and it is beneficial for improving the banks performance. I think every bank must provide retail payment service through SMS using mobile phones. It is create financial inclusion for every person.

RBI should order every PS bank to reduce minimum limit of each savings account upto 500 only even customers having cheque book and debit cards.

1-Cash deposit charge for loan account or business account is wrong. 2- There must be provision of receiving for deposit of cheque. 3- In case of cheque bouncing depositer must not penalise. 4- Bank itself must issue a legal notice in case of cheque bouncing against issuer of cheque.

BOUNCING OF A CHEQUE SHOULD INVOLVE MINIMUM 5000/- PENALTY AND ONE YEAR IMPRISONMENT.