1) पहली बात तो मैं यह कहना चाहूँगा की सरकारी बैंक में एकल खिड़की की जो सुविधा दी गयी है वो जिस भी ब्रांच में है वो पूरा होना चाहिए. मैं उअदरहण के तौर पर भारतीय स्टेट बैंक को लेंग वहां बहुत सारे खिड़की बनया गया होता है चलता एक दो ही रहा होता है. जब उस पर कोई भी काम हो सकता है तो अधिकारी टाल जाते है की ये काम इस पर नहीं उस पर होगा. जो भी सुविधा उपभोक्ता के लिए है उसको पहले सुनिश्चित करने की जरुरत है. काम वो लोग एशे करते की वो जनता के ऊपर एअहाशन कर रहे हो. उनके कार्य शैली को बदलने की जरुरत है.

1) INCREASE INTERNET AND REMOTE LOCATION BANKING FEATURES. 2) ALL BRANCHES MUST HAVE A GUARDED ATM FOR 24*7 ACESS & REDUCE COUNTER CROWD. 3) GET TWO TYPES OF ACCOUNTS -a) NO FRILLS ACCOUNTS b) PREMIUM ACCOUNTS (with min balances etc) 4) ENCOURAGE LENDING TO POOR PEOPLE AS THEY ARE MORALLY DRIVEN TO REPAY UNLIKE A RICH BORROWER. 5)BRING DOOR STEP BANKING USING BIO METRICS. 6) KEEP FLEXI BANKING HOURS AS PER THE LOCATIONS. 7) TARGET TO MAKE A PSU BANK BRNCH AS AN INVESTMENT HUB,

third party information. Whereas, as per my view, all the four parties (myself, drawer / issuer of the cheque, HDFC bank and SCB) to the said transaction, were under obligation to share & provide the information pertaining to that transaction. Please incorporate your view in the code.

I am having a/c with HDFC bank, Kanpur. I received a cheque favoring myself from a person drawn on Standard Chartered Bank (SCB) and I deposited the cheque in my a/c in HDFC bank. Cheque was cleared through clearing mechanism. I forgot to record the cheque in my records and even forgot from whom I received the cheque. At the time of reconciliation, I enquired from SCB, the name of person in whose a/c cheque (favoring me) was debited. SCB refused to provide information, on the pretext that it is

For the benefit of a/c holders, interest on PPF a/ccts. be paid on day to day product basis (instead of on the balance of 5th day of the month), as has been started on S/B accts.

. For reducing the work load and for uniformity, TDS on interest on FDRs be deducted only on 31st March and / or on maturity, by the banks.

7. This is to kindly write to you that nationalised banks give interest on S/B A/c , half yearly, whereas, private banks like YES bank , Axis Bank , etc, give interest on S/B A/c, quarterly. A uniform policy may be adopted by all the banks.

1. This is to kindly write to you that some banks like SBI are putting / lodging the information on AS 26 (Income Tax Website) for all the interest payments on FDRs, even when there is no TDS. This is facilitating the customers to know the interest amounts. This may be adopted by all the banks in the interest of your customers , forthwith i.e. from previous f.y. (2012-13). Please issue necessary directions.

At one place we are promoting usage of debit and Atm cards and another way we are restricting the usage to 3 or 5 and then charging the customer. Atleast customer who are withdrawing money from bank atm should be free and interbank can be charge after some transaction.

1. Reducing cost of transactions, this can br done by issuing atm n net banking to all educated customers 2. All NPA account shld be recovered by taking harsh steps lik by selling their property n all. Now a days customers take banks for granted 3.banks should come under central govt so that issue of their wages should be solved To make profit its imp to make employees happy coz if they r not then they will not giv good customer service 4. Charges should be increased