i hv messaged on 20.3.15 regarding NPCI's holiday policy. but there are no reply from your end. pl. do the needful sir. pl go thr the circular which is attached herewith. if India is a Hindu country then why dont NPCI includes the hindus festival as public holiday. If NPCI wants to curtail bank holidays then it should also cancelled the minorities holiday which is includes in NPCI holidays.

the problem with the public sector bank is they donot know where to go,neither there vision nor the mission is clear to its employess.

The performance of Public sector Banks can be improved through accountability for everybody involved including Auditors.Presently there is no accountability for auditors.Officers are only accountable in cases of frauds but not for other willful lapses/acts/omissions.
Undue interference in day to day working also harming
Remuneration of Bank employees is low as compared the work load as well responsibility in comparison to private sector banks as well other sector public sector undertaking.

To improve PSB working, train policy implementers to cultivate a NO person rather than a YES person. Policy implementers should learn to differentiate between difference of opinion and defiance.It is the delivery staff that needs to be focused on.

We can find many locations in major towns and cities where ATMs of a number of banks are clustered within a small area that too on the main roads. This leads to 2 major concerns:
1. Wastage of electricity and money in maintaining these ATMs.
2. People parking their vehicles on the main road in order to access the ATMs thereby leading to jam and even accidents.

Following measures can help to improve the cost effectiveness, security, and reach of the banking services in India:
1. Instead of individual Banks installing and maintaining their own ATMs, a central agency must be established that will install and maintain ATM cum Cash Deposit booths (ACDBs) all over India.
2. This agency shall recruit the retired military & police personnels for the security of ACDBs
3. Post Offices, Police Stations, & Mobile Vans can be used to install ACDBs.

we heard that in upcoming year there will be huge vacancy in bank sector.. bt the age limit of these bank exam is 28 years for general candidate and other govt exam like rail ias etc is 30 or some case 30+ for general candidate.. so plz doing the age limit of these bank exam like ibps clerk sbi clerk from 28 to 30.plz sir plz. please sir help us . we want just one or two chance in our life for giving this exam as we already exceed 28 years. please help us .

Public sector banks are not opening SSY(Sukanya Samriddhi Yojana)account. Even after govt publicizing the SSY scheme and wants to build better future for girl child however the support system is not working.

Banks still do not know what to do. Why do information flow for banks is so slow in case of Public Sector Banks? They need to act quickly and act in professional manner as private sector banks.

Loan account in the modernised Bank is still being operated in the old fashion viz fixed emissions to be served and if three emi overdue, account to be classified as NPA. In the era of technology, the loan account must be a "Dynamic Model". Fix number of instalments and EMI. If any emi get overdue, a new emi for rest of the months will regenerate. Standing Instructions (SI) will also change. This will avoid instant conversion to NPA moreover, a relief to borrower.

ACcording to RBI every account holder is required to give KYC EVERY YEAR .lARGE NUMBER OF ACCOUNT HOLDERS HAVE TRANSACTIONS WHICH ARE LESS THAN 10 LACS IN A YEAR OR THEIR TOTAL ACCOUNT REMAINS LESS THAN 10 LACS . THEY SHOULD BE EXEMPTED FROM SUBMISSION OF KYC .CRORES OF POOR PEOPLE HAVE OPENED ACCOUNTS RECENTLY.TYEY ARE ALSO REQUIRED TO SUBMIT KYC REGULARLY . THE PRESENT SYSTEM HAS PUT UNNECESSARY BURDEN ON BANKS AND SMALL ACCOUNT HOLDERS RBI SHOULD REVIEW THE ENTIRE PROCEDURE.