State Level Bankers Committees instead of discussing data should discuss the requirements of existing / upcoming infra structure projects and take on spot decision to fund them jointly. This will speed up deployment of funds . To avoid barriers in performance Regional/Zonal Offices should be abolished and all branches to report directly to Head Office . For coordination District level Officers and Loan Sanction Centers may be set up which is in tune with Govt. administration system .

We find that in many of the branches of banks work with social schemes like Jan Dhan Yojana etc. has immensely increased. To over come this problem for smooth service to bank customers we suggest retired bank employees who are willing to take work as social service may be contacted and they may be paid only nominal honorarium to meet out travelling expenses etc. In this way their extra time would be used in nation building after retirement and would get satisfaction of social service.

first stop all political mp/mla interference.have proper quality and spped of mechanical intruments like computer primtersetc.stop union interference in transfers.real training and not show of 1 or2 day training in ac rooms.and remember that these banks are to do banking business first like other counterparts.non natinalised banks not taking pensione or any govt work and no rush in premises charges are also higher at their wish and public sector banks on the ground of public service do all.

Staff is not behaving genuinely to customers. Workouts should be made fast. SBI ATMs are usually out of service due to connectivity issues. Human resources should be made like that of in private sector Banks.

In my view, public sector banks like SBI have to improve their customer interaction and services. In comparison with Private banks like HDFC, i do not see fexi with SBI. Like customer interaction, quick&quality of service and flexibility to address the minimum needs of customer. Though customers do like public sector banks, in addressing the needs of customers there need a good improvement before they loose the face. PSB attitude only cares for government exchequers and does not value customers.

We urge to process all types of loans application online and centralized receiving of supporting documents for any sorts or amount of loan for any sector including PMRY, KCC, HOME, PERSONAL, MSME etc. As it is an open secret that bank authorities manipulate the guidelines to obtain illegal favour from consumers in form of hush money whereas they grant loans on the fake and ineligible person which becomes bad loan like NPA. In rural india there is very gloomy pics of PSB.

To ensure timely and full time presence of bank employees , digital attendance system be introduced immediately . Every bank employee in branch should act as single window operator as all PSU banks are now on CBS platform . Every bank should have District level Customer welfare Officers deputed from other banks to redress their grievances.. Loan proposed if not disposed within RBI specified time frame , there should be provision of penalty to deposited in PM Welfare fund

Staff of PSU Banks is not working in the interest of Bank. Particularly for the loan, the performance of PSU Banks are very poor. When a class one Gazetted Officer is applied for loan then to give proper support. But the present policy is how to harass customer by demanding different documents. The present policy for the loan is like PSU Bank does not want to give the loan and divert the customer to Private Bank.

staff shortage leads to hampered customer service.apart from that npa also requires extra care and efforts.recovery demands lot of human efforts.mktg of products and services has become necessary to stay in markets so sufficient staff is must

PSU Banks need strengthening of Loan sanction system. The present committee system is non functional and mere eye wash .Loan proposal should be actually appraised and discussed in meetings and should not be left to the whims of bosses. The video recording of each meeting be made mandatory to ensure transparency. To bring banks close to people , there should be mandatory 15 years rural service of bank employees for settling them down in rural areas to perform.