There should be method to check PSU banks employee performance as they in their 8 hours duty effectively worked for 5 hours due to which customer suffers. Further their attitude is like we are begger but they forget that customers are the only reason because of bank survives

My suggestion is regarding 'Money Deposit Machines'.Like ATM, which a customer uses to debit the amount from his bank account, 'Money Depositing Machines' can be deployed in ATM outlets like that at many places in 'Delhi Metro', so that a person can deposit money in her/his account from there itself without the need to travel in banks.This will reduce the time of the customer and even the bank employees and will help in to improve their efficiency.This can be initiated from a small level.

Further to my earlier suggestions.(5) There should be adequate focus on Customer Service-Create exclusive Service positions like Customer Service Managers, train all staffs on Customer Service, have dedicated zones in select branches for HNI or super HNIs, have dedicated Relationship Managers for HNIs. Most customers bank with Foreign and Private Banks for the want of service and pampering.Most of them will be happier to bank with Nationalised Banks if they receive the same attention and care.

Home branch system should be removed as we are in modern era, all bank branches are computerised then why to go to home branch. By the way there should be a system in which we can operate our account from any branch.

(3) Encourage net banking and ATM usage to minimise branch footfall. (4) Limit the social shemes to a certain percentage of each banks business.(Say, 10% of all the advances should be for social schemes).

My suggestions are as follows:1) Build up centralised credit departments in line with the Private Banks.Branches should collect the loan applications and forward them to the Central Credit Dept.This is bound to improve the quality of the loans disbursal and reduce NPA.(2)Focus more on 3rd party products like Mutual Funds, General Insurance, etc to increase the non fund income..Have a dedicated sales team and set targets for the Branch Managers for these products.

1. Provide free internet banking for everyone, a good web interface and simple processes. We should be able to do majority of the work using internet banking. Also, provide free text messages for transactions and account alerts. 2. Treating customers professionally is highly important. Most of the times, the staff think they are doing a favor to their customers. This is a service industry. They should respect their customers and treat them well. May be, a training for everyone would help!

i would like to say due to reduce the ATM transaction the people will start going to bank and it will increase the work load on banker in most of the bank they open single window but non of the window work on this and work has been divide for every window so some window have more work load and same time some siting without work and bank lunch timing should be like that no work held up on all window at one time some evening branches to be open for govt employee so he can work after his

Following are my suggestions: 1. Stop using PSBs for promoting government schemes. 2. Set sells target to each employee which will improve profit per employee. 3. Reduce the stake below 30%. 4. Keep a separate entity for micro finance (government promoted schemes). The products will be sold by the banks (PSB and private banks) and also responsible for recovery. 5. Merge the smaller PSB to improve the customer service.

The only way to make perform PSBs is to make it highly professional keeping away bureaucrats from interfering in banks' matters and bringing in discipline among banks, borrowers and fixing accountability through penal measures appropriately introduced using a statistical model with the aid of Information technology. If there is a will there is a way.