) so this if you think from micro to macroeconomics you would come to know investment wise they have incurred cost for machinery as well as for labor but on the other hand they have taken Dual advantage planned out: A. Less staff to be invested on cash counters. B. More people getting attracted toward bank as in this bank specifically Time is saved especially on weekends so people prefer to invest their deposits here. This is see missing in public sector banks and more in Pvt and Coperative bnk

Namaskaram,Honorable Sir, First of all a team of example 3-5 members needs to be setup to observe and do brain storming on what’s’ the new innovative way private sector banks have approached, to which people have also showed their liking towards it. To take a few example (in xxx bank I see a machine installed where I can deposit my cash in the machine itself, also I can get my passbook filled automatically, they deploy only 1 member there (usually security guard who does this)

Bank employees are often resorting to Strikes thereby causing inconvinience to the public at large. Their impending wage revision issue to be resolved at the earliest. Also Govt to take stern action against Loan Defaulters. Profits of the banks being wiped off in Provsioning for NPA.

Plz provide banking licencee to small NBFC org. for collecting maximum revenue and increase in employments also & RBI get maximum security amt to accelerate many beneficial polices and provide Banking Corespondent to every gram shabha where every person get facility to deposit money like daily wages worker and provide small amt. of FD for short time by this Gov. get maximum revenue to expend on infrastructural growth and public's expense capacity will increase to purchase or investment.

we just have NEFT, RTGS so far. Banks should enable transfer of money using the email address and phone numbers easily. e.g. If someone owes me some money, they should be able to just use my email address as "recipient" instead of using the account number and branch codes.

public banks must develop direct tie up with all types of taxation department for payment as well as for refund also.reminders for due of EMI .evaluation of public banks working time to time . for senior citizen home services pick up and drop at door steps for depositing and withdrawing money and other banking services.

This is just a suggestion to all the banks, not only PSB. In USA, the interest rate for any loan depends on the creditworthiness of the borrower. Its measured using credit score. I heard credit score is being used in India recently, but not sure if would make any difference on the interest rate now. I would really be happy, if such things can be tracked and maintaining a better score will have rewards such as ease of getting loans, credit cards, limit & interest rates for creditcards loans etc.

1) Crystal clear segregation of the government social responsibility to financially reach the poorest of poor and sustainable banking business 2) Stop the policy of recruitment for life in government and public sector. Presently candidates waste four to five years, pass the recruitment exam & join the organization for rest of life.

make public sector banks 's employees efficient in working .most of the time their behavior with customers is not up-to.Some time because of bank's employees mistake( their part of mistake) customer have to follow long procedure to rectify bank's staff mistake. quality of work and more hours like private banking sector also needed.

online clearing system of cheques instrument. no physical attachment to slip just fill online details of the cheque to your online bank account and number of account of payer and payee and relevant details and send scan copy of cheque to concern bank.