Reduce political interference in selection and working of Banks. Amalgamate two or more banks to improve scales of economy. Ask banks to recover loans instead of restructuring. Bring in more technology but common to all banks. Let all banks shift to Rupay Cards to reduce costs. Mastercard / Visa Debit cards be issued on Higher charges to customers. Motivate use of mobile money transfers to reduce costs.Reduce govt holding to just 51%. Option of issuing ESOPs to employee will motivate them better

Dear Sir, the Jan Dhan Yojna is proving to be painful for the poor people in my district Bareilly. A Public Sector Bank is charging Rs 50 just to give the Passbook to the applicants. Kindly stamp down strictly on these practices in your pet schemes. Or else, the scheme which is supposed to help the poor will end up causing him loss.

Improve speed of technology in PSBs especially in rural areas, even with less man power this will speak. In PSBs Transfers to be made mandatory for substaff also. Fixing responsibility to officers only,if there is no barrier when they go for recovery or they should be given power like income tax officials for the letters sent by them or the ack of debt which is being taken once in three years is to be removed, to say loan taken to repay only, and the word SUBSIDY to be removed from INDIA.

Public sharing of information on all good and bad loans above 1 crore including names of those availing loans and approving officers and return status.

1) Compare volume of work done per person in Public sector Bank vs. Private sector. There is huge inefficiency in PSB 2) The token system started in SBI should be stopped. I noted the number of customers serviced are reduced and waiting time for customer increased due to token system. 3)Target time to serve a customer to be defined as PSB staff takes more time to serve a customer rather than Pvt. Bank for same type of work. 4) Actual Lunch time spent by PSB staff is more than 1 hour. Pl. check.

1st & foremost: Introduce VRS and get rid of inefficient staff who will never change. New recruits must be hired with 'performance clause' in their appointment letter. Train them teaching that people they server are their 'customers'. Rotate staff amongst branches and in different roles, so that they don't find time to discover loopholes to do corruption and don't become roadblock in process. Introduce concept of flying squad to check efficiency and customer services of staff in Rural area.

Charge common man for each and every transaction he makes with the bank. It should be up to 10% of the money. Rob the ATM users in name of security. Make service charges more.

gradually de-nationalise public sector banks, as during last 40 years, these banks have only served the personal interests of politicians and officers, not the general public.

Introduce money card system -on all trading at low profile to high profile business systems to reduce physical transactions of money and to improve operational efficiency alongside better transparency on all ecossystem

remove the clause of job guarantee for the employees in public bank sector, most of the employees in public sector bank act very lethargically as they know they cannot be sent home they work as tho they are doing favor for the customers