banking facilityand awerness should give to every customer.service r psu bank average should improve.atm transaction for free to every card holder. pancard detail must provide psu can made in villages.npa mazor role in psu. increase the fix deposite rate and discrease the saving or current a c rate.increase more fix income for bank.most of bank give loan under any pressure thats reason npa increas.

Deploy better machinery. Banks servers are not deployed keeping cushion for next 25 years and resultant slow down. Mostly bank employees are hobnobbing with major business houses and CAs deployed just take bribe and endorse stocks without their physical presence thus expose banks to risks of loans without physical stocks. Banks do not give loans on properties to facilitate businesses and seek present income details, an obstacle to new ventures. GOI should look into and set things in order.

Responsibility should be fixed for NPA and award for good work.

ATM network shall be made one for all banks with inter bank sharing. In no country we fins ATM of various banks are nearby. This will reduce banks operating cost substantially.

Sir, its era of technology. Banks have adopted internet and mobile banking but it has not reached to masses with result there is a queue at the bank branches. There is need for continuous effort to educate the account holder to use ATMs and mobile banking. I think some incentive may also be given for using mobile banking . Visit to bank should invite some minimum charge for those activities which are possible through ATM/Mobile. Lot of activities still manual. Need for automation SC Mishra

To improve Customer Service I suggest PSU banks should make Internet banking for educated customers in the age group of 25-55 mandatory and impose cost for using branch banking. This is how private banks are making money. All major transactions can be done at the ATM and other facilities including making /breaking FDs can be done on Internet banking.Only in a extreme scenario, the customer should enter a branch.This way after cutting the major footfall, PSU banks will need lesser commercial space and costs associated with rentals, electricity, computer infrastructure can be saved. A reward scheme can be started to encourage people to use ATMs /Net Banking and thus service only needy / senior citizens at branch level.

we all agree that public sector banks are performing well in given circumstances. Public sectors banks have mandate to provide services to remote areas or persons where private banks are not much interested. performance can be improved by giving choice of project, faster recovery of the loan defaulters, improving public connectivity, special training to employees to serve customers, actions to reduce customer visiting banks so needy customers will get proper attention, set KPA for each employees

performance be improved by revamping assessment method. For working capital finance banks are finacing raw material/WIP/Finished goods and debtors with stipulation of margin. I suggest that bank should not finance debtors because most of the business showing sickness under the garb that their debtors became sticky and then go for CDR. This is one of the gateway for siphoning fund. Even if finance 100% except debtors, we can control stocks thru regular inspection.

All Bank staff should improve their Manners.

Sir very often,Banks reach a dead end while trying to locate run-away promoters of defaulting borrowers. Often it is found that the only their companies are sick and the promoters themselves live a life of luxury.The DRTs routinely ask Banks to locate assets of such promoters which is a difficult task for bankers. I suggest a task force be formed with powers of arrest and seizure post DRT orders to be staffed by ex-IB and raw officers with mandate to recover lost monies due to Banks. They shoudl be given incentives as a percentage of reoveries apart froom their pensions. I hope this can be formed into proper policy and faciltate the work of the PSU banks which are suffering the most due to economic downturn.