Below are my observation about PSU banks:-
1)Place ATM smartly:No ATM inside SEZs in Bangalore where I and 1000s of employees are working e.g IBC Knowledge Park, Bannerghatta Road, Kalyani Magnum Infotech Park,JP Nagara. I find 3 Axis bank ATMs around my residential area but none of PSU.So ppl prefer to switch salaried account to either Citi or HDFC
2)I always find a Citi/HDFC bank PR available with all information at my disposal.

Need for inculcating work culture like Pvt Banks. however IDBI like banks are in that direction. ATM may be locked after 10 PM and not to open them in remote corners. One ATM at some public place in a locality may be kept open at night for emergency. Staff needs to be more professional and cuortious

Due to lack of staff in banking sector, it is very difficult for the banks to provide services up to the expectation of customers. This problem is majorly due to non friendly environment within the organization becoz of which young talent have to think twice before deciding to be a part of such organization. Most of the PSUs banks failed to retain young talent due to bad working conditions and no regulated working hours.

Nonperformance, lacking positive attitude of existing staff in most public sector banks lead to the rise of private banks with which people are at risk. People are accepting this risk than considering to do business with such banks. Eliminating risk and improve performance of public sector banks can be achieved only via multiple steps:Change:Attitude,WorkCulture,Old/Past/Lengthy transaction procedures/processes & recruit EFFICIENT/WILLING to work staff,implement performance oriented procedures.

If really gov wants to improve PSU banks then meagre these PSU bank in one then there is no multiple npa a/cs no confusion in banking rules...
And most important as gov introduced aadhar linking with bank account.... will become most effective......and also bring banking as banking service commission.

Use of Bio-Metrics increase Security in case of ATM Transactions,Or Bio metrics can eliminate ATM Card, if you want to take Money from ATM use your Fingerprints for Transaction no need of ATM Card and if someone from your family want to access your account they can use your ATM Card also. Use of Face Recognition over transaction above 50000 may add another security barrier to the Banking System.

1) Install more cheque and cash deposit machines.
2) ATM Machines should have an alarm(in case thieves try to steal the whole ATM.
3) Banking policies and rules should be easily explained for understanding by general public.
4) Friendly and well trained staff should be implied at the bank counters.
5) Help desks should be deployed at banks. There are help desks but no one sits and the tellers or employees of the bank are too busy to answer customer queries. saving schemes shd b introduced

Simplify net banking procedures. When I add a payee, the payee has to be authorised by Branch Manager. The customer has to physically go the branch or send an email to branch manager. This would take lot of time. This authorisation by branch manager not required.

banking service will be better when it will become more easily gettable to people and most important thing is behavior of the employee to the common people..they should show more politeness to the people..they should extend their helping hand to all section.but unfortunately very less percentage of workers do this and people hesitate to ask a question..besides all this monetary matter r also involved.such as fixed deposit rate,loan rate etc..

Banks are doing well today, but consuming time to attend a customer is more.Employees should feel free while delivering service but it is not so. Offen they are preassurised for a work for which they are not interested. Every bank should have a list of NPA holders with name and address loan availed delay in making repayment, measures to recover it, because the common man is always targeted for excess using of debit cards, service charges and handling charges which are very meagure whencompareNPA