In banks most of people put FDR name of female so no extra tax pay by earning money in banks remove the concept of 15 g form only sr citizen allowed If earning interest under the tax slab above that no 15 h valid. As people always used to give every bank 15 g/h form , we restrict to them only submit in income tax office not in bank.

Now A day our pm talked about black money for that I suggest that open a bank accno it self pan no or voter I'd or adhar card no so we can trace who have pan or not

There can be pilot projects be started for virtual banking in different branches so that atleast the basic functions be handled more efficiently.

Public Sector Banks can improve there work culture by passing the responsibility from branch manger to staff as toady in many branches the staff is not listening to the branch mangers because BM will go after three years and they are sitting the branch for many years.They dot talk to clients properly as they think branch is there property.

Making RuPay card as the default debit card for new accounts. Now a days RuPay card has been adopted in most of the places and by this bank and it's customers will save arund 30-40% of transaction fee which is charged by VISA or MASTER. Since RuPay is a home grown system, we have to encourage and promote customers to go for RuPay card. The first step has to be taken by the bank where they have to issue the RuPay card as default debit card instead of VISA or MASTER during new account creation.

India is living in village-- Tap assets from village through educate & give improvement Ideas to village through internet , engage more modern banking soft wares , avoid stress & strain of bank employee

i have an a/c with andhra bank n i m surprised to see that they have a gud net banking ,clean branch, effecient staff but they donot accept dvat n cst. this is a drawback due to which we all have to open a/c with any other bank. why andhra bank is not accepting such taxes either due to rbi policies or their own fault. pls try to give such basic facilities in all nationalised banks i suggest that all banks shud accept direct taxes n dvat n cst or gst easily n online

Privatize them, their performance will improve. Link officials salary with performance. NPA should have negative impact on appraisal of official approving the loan.

Transaction charge for online transactions should at par with American banks on the basis of PCI basis per unit money transacted. It is astronomical in Indian banks at present on the basis of Per unit money/PCI basis comparison.

Have experienced both PSU and Pvt banks. PSU bank officers enjoy more powers and are generally thoroughly corrupt. Loans are decided not upon project appraisal but on bribes paid or directives of Netas in return for promotions etc. Officers do not maintain discipline since they themselves are not desciplined. Service to customers is charged at astronomical rates. Correct project appraisal with severe punishment for bad loans sanctioned. Rigorous service charge at par with American banks on PCI.