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Suggestions invited for improving performance of Public Sector Banks

Start Date :

Jan 01, 2015

Last Date :

Jan 01, 2015

04:15 AM IST (GMT +5.30 Hrs)

Submission Closed

The information provided here ...

The information provided here
highlights the performance of Public Sector Banks vis-à-vis Old Private Sector Banks and New Private Sector Banks. It can be observed that there is a huge scope for improvement of Public Sector Banks in all parameters, especially efficiency parameters.

Suggestions are invited from the public at large for improvement of performance of Public Sector Banks.

Last date for sending your suggestions is 31st December, 2014.

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GANESH ASUNDI 11 years 4 months ago

BANK Branches/ATM network increasing RACE: Continue 2 All PS banks ATM services for CROSS BANKING should be FREE. The recent CLAUSE on USAGE of ATM and CHARGES is a REAL BURDEN to the customers and further it is SHRIKING the usage which will affect the economy in longer run.

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GANESH ASUNDI 11 years 4 months ago

BANK Branches/ATM network increasing RACE: • Presently all PS banks / Pvt Sector bank are in the RACE of opening branches/ATM to show their larger/bigger network WHICH IS NOT NECESSARY. • More Branches/ATM network creates few JOBS but a HUGE COST to the pockets of the CUTOMERS in one way or the other.

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Rambabu kumar 11 years 4 months ago

sir bankers are working very hard to full fill the government achievement and they are making more profit other than government services but bankers are facing lots of problem like salary revision, transfer policy and HR issue. so this problem should be solve. small Bank to be merged with bigger one

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GANESH ASUNDI 11 years 4 months ago

CHQ Book issuance: • Presently all PS bank has SEPARATE rules/regulations/issuing process WHICH IS AGAIN a very tedious/ time, money, energy consuming • WHY not to have a COMMON rules /regulations ACROSS all PS banks • This will put the customer at EASE and it would be beneficial to both ends that is BANK & CUSTOMER

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GANESH ASUNDI 11 years 4 months ago

LOAN Section: Continue 4 • Further, INTER BANK SERVICES should be improved to DEMAND applicant’s “other” bank STATEMENTS rather than asking COPIES of it sighed and duly stamped. The way the PS BANKS can access CIBIL report, WHY NOT BANK STATEMENT/Investments?

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GANESH ASUNDI 11 years 4 months ago

LOAN Section: Continue 3 • Documentation : ID proof/ address proof/PAN card details SHOULD BE SAVED and accessed by the respective BANK/BRANCH/LOAN DEPT , rather than XEROXING it and ATTACHING is also a tedious/time, money, energy consuming ACTIVITY which SHOULD BE AVOIDED at once.

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rahul ranjan 11 years 4 months ago

as i am working in a PSB bank i think increase in NPA is the biggest concern and the reason being absence of stricter norms for the defaulter. people are afraid of private banks because they have recovery agents while recovery in PSB takes years so no one is afraid. i feel stricter laws against defaulter should be made so that the recovery of bank is made faster. also it will reduce the amount of provisioning that bank make for NPA accounts.

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GANESH ASUNDI 11 years 4 months ago

LOAN section: Continue 2 • Upon, sanctioning the LOAN, all “necessary documentation” can be followed with “the LOAN sanctioning bank” in due course. • This will SAVE lot of TIME/ENERGY/MONEY of the applicants and CAN SAVE paper and its HUGE COST involved.

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GANESH ASUNDI 11 years 4 months ago

LOAN Section: • Presently all PS banks demand separate application forms in HARD COPIES. • “WHY NOT TO HAVE A UNIVERSAL APPLICATION FORM online/offline” where a customer can TICK for Home loan, car loan, business loan etc and apply for a LOAN • If few of the lending Terms/Conditions are differing from one bank to another, then an additional form can be duly filled-in with a tick to ACCEPTED terms and conditions.

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sampath kumar 11 years 4 months ago

first of all let the public sector banks realize that they are giving service rather than only lending.They can improve the service by attending customer fast,give timely loan as in the case of private banks

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