Improve the welfare of bank employees and see the difference...Bank employees are working like asses and getting a peanut as salary... Govt. is taking wah wah for PMJDY but no one thought how bank employees had done this with limited manpower. The bank employees don't need much, you are only requested to make similar salary for similar post as in central govt.

The one problem faced by many is the timing of banks. There is no flexibility. There should be one branch of SBI or other bank in city operating in shift. That is A shift from 6 to 1400hrs and from 1400 to 22hrs. This will give lot of time for citizens. Also appointments for banks should be made on-line or through SMS and appoint schedule should be sent through SMS. All PSU should have interlinking i.e certain works can be done thorough any branch irrespective of bank.

If you are really serious to improve the performance of Public Sector Banks, you may consider the following: 1) Govt. must agree that no employee can contribute for the betterment of their organisation without properly remunerated. First try to settle the 10 BPS immediately with a respectable hike in salary as compare to their counterpart in central government job. 2) have a regulatory working hour for bank officers ( I am not telling 5 days a week). Staying in bank upto 10 pm daily in office.

Accountability and responsibility is very limited in PSB unlike Private Banks. There should be rating on each and every employee performance and given promotions and increments in all the segments. Non performers should be provided enough and more training every now and then, assess their performance. HR should be very active not involving Union and Union members involving or hindering actions.Holidays to be curtailed to the core.

The national agri bank must have field officers who go to the farmer or diary owner and offer assistance , involve with tem in a way that the bank does not suffer losses due to non repayment or late payment.The eligibility criteria must be clear so that those who seek assistance will know what documentation is needed. Banks must employ people who understand farming and related businesses . Jai Hind

None of the PSU banks have ever given me the service i got from a private bank till date! They have extremely long loan processing time, corrupt bank managers, unfriendly staff, arrogant and a very polite way of telling "no" that is ...come tomorrow.Farmers who are in dire need of financial assistance suffer the most as they are made to run from pillar to post. I suggest A NATIONAL AGRI BANK NOT INVOLVING THE STATE BANK OR ANY OF ITS CRONIES like SBM etc.for agri loan and business finance.

PSU banks lack often good Public Relations due to that the customers often spent more time in banks to get their various service done.Failure of net and proper back up to computers also create problems for customers and Bank staff.Banks fail to inform customers in case of inoperative accounts and take more interest in Bad Debt collection.The branch managers require better training and many of them shy away from customers to give them proper guidance on various bank services.Int bank upgraded.

Every bank should have a housing loan staff structure separately.their employes should be transferred in the same structure always. Their efficiency should given cash rewarded. They should be appointed separately .they should be customer friendly ,courteous,soft spoken and ready to serve at the door step at the buyer even at the odd hours. 2. Their should be place for senior citizen where ever it isossible in premises. They should be not in the q for any thing. The bank may charge for it.

All the newly recruited employees of PSU Banks come with a Clean Mindset. Their work habits are corrupted by old Staffs who are already into bad habits. The behaviour of these new recruits and their approach to work depend on how they are mentored. We need to segregate deadwood staff and prevent them from working together or mentoring the new recruits. We can also designate good mentors under whom new recruits will work till completion of their probationary period.

Unlike Private banks PSU banks maintain large number of accounts which receive money from family members working outside but by month end almost everything is withdrawn leaving no cash balance with the bank to do business. Most employees are engaged with this work leaving little time for others. Since these Account Holders are mostly illiterate install ATM machines that use Biometrics instead of PIN in every village so that the need to visit the bank does not arise also to prevent fraud.