i'm working in co-op bank @ Nagpur. we r facing major problem reg public holidays.National Payment Corp.of India (NPCI)has issued circular which is attached. NPCI has not sanctioned any hindu festival as holidays which is under NI Act. Festival holidays were sanctioned by our President under NI Act.1)Is NPCI is higher authority than President.2)If India is hindu country then why dont NPCI sanctioned Hindu festival holidays.Banks are closed on public holiday bt Clearing will be process.

We have lot of people working for Offshore Banks for quite sometime. Now we got a large amount of them who knows the Banking domain very well. Why don't we employ those people and they can help the PSU very well. They can support the work load and no backlogs would be there. When they support US/Europe banks why can't they support our PSUs?

It has been observed that some of the ATMs not functioning properly and the customer has to go to another ATM of different Bank where charges will be loaded for the transaction.
Once, the Bank's are charging from the customers, it is their responsibility to keep the ATM working for all time.
In case,if ATM found malfunctioning by a customer / public, the respective Bank must be Penalized
If customer report a faulty ATM, his/her Charges paid to other Bank must be refunded

1. PSU banks are easy targets for bad loans. There should be strict guidelines and systems in place to avoid bad loans. Loans should not be given based on referral from any politician. It should be clearly on the merit of the project quality. This would ensure trust build-up in PSU banks.
2. You step into any PSU bank, it lacks basic decipline of bank. The bank employees should give respect to each and every customer and provide services at par with private banks.

expiry aadmi ke bad unka 10000 rs nominise me jo bhi mang karega wah paisa unhe without any quary milana chahiye. 1000 ka chalan rahta hai aur kharcha 2000 ka hota hai to aise mod per apko rules change karne chaiye.nahito wo paisa bank me waisa hi pada rahta hai

#Interaction, For each bank there should be a representativies called agents .the agents should be recruited through the bank onlyand he should be trustred …agent go to each and every customer house and get collect the cash /given money/give the details of bank schemes so that there is time saving for the customers ,customers need not go the the atm’s
 chances for the employment to the men/women

All the Public Sector banks are performing well as the citizens of India still TRUST the public sectors banks instead of Private banks. Thats the main reason for the PSU Banks success. But as far as CUSTOMER SERVICE is concerned almost all are same VERY POOR.. the banks in the rural and village side, the way the employees treat the public is worst. Training may be required to bankers in handling the customers as the private banks does.

The young india needs timely service & good behavior.Tq

Employees should be well well trained about the term SERVICE and should have an option "FIRE ON NO PERFORMANCE." Employees in bank are very much reluctant as they know there is no punishment on their poor/weak/no performance.

Money is the tonic for good performance of a bank. In our country where we are battling with huge amount of black money,there should be a policy where by any body can deposite any amount in the bank with a nominal tax.There should not be formalities of income tax. This can lead to tremendous turn over of black to white money.Also the actual collection of tax will be way higher than what is it today.

Specially education loan for engineering education, next installment be released only after complete passing of previous semester. In engineering education, sheer wastage of govt money has been done on substandard students having numerous attempts pending but promoted to next semester and banks used to release next instalment without fully examining their pending attempts of previous semesters. ------------How will they be employable and pay education loan is serious for preserving public money.