Two of the excellent suggestions in this years budget are: 1. PAN card mandatory for real estate deals above 1 lakh. I request the Hon Minister to extend this to all real estate transactions irrespective of amount. 2. Credit mandatory for paying bills in five star hotels. I request the Hon Fin. Minister to extend this to all payments in three star and above class hotels and clubs. Let me submit a few more suggestions to the Hon FM: 1. PAN card shall be linked to Aadhar Card.

post office Banks & Local Co-operative banks must be under PSBs as a customer. So transactions between them easy & reach remote places of India.Money transactions through Mobile & Internet should be arranged with ease & speedy. ALL CASH TRANSACTIONS MUST be minimised upto 5000/-.In the beginning M & I bank users may give some rewards & incentives for it & it control Black money & fake notes.

Public Sector Banks should come to the campus of Corporate companies to open the salary accounts.Currently in the MNC companies some private bank representatives are always available and some are available on the dates of the new employee joining days.And the corresponding private bank contact person details also provided by the companies.Not sure whether government banks are not interested in these kind of accounts or corporates are not interested in the government banks.This should be changed.

It will be nice if most of the business in the public sector banks can be done in a single window system like in the developed countries. For example, in India, for withdrawal of cash, one person will issue the "token", next person will enter details on the PC and the finally, the third person (cashier) will give the customer cash, these three process can be done in a single window with proper machine given to employee. Use automated token system in all the banks to reduce congestion,

हमारे यहाँ एटीएम के ट्रांसेक्शन 5 के बजाय ज्यादा होना चाहिए ।

With success of Jan Dhan Yojna; I would suggest that every bank should start issuing Rupay Card (debit / credit) to every indian citizen and dependency on Visa/ Master should be low as this will make sure the commission which we pay to VISA / MASTER (foreign institution) will minimized

Banks ATM operational time can be limited, which helps in reducing the operational cost and slightly increase in profit margin.

The officials of public sector banks must improve their behaviour towards the public. They act as if they are doing a favour to us whether it is disbursal of scholarship or withdrawal of our own savings. They are servants of public not master. It is very unfortunate.

Less paperwork, automation like private banks , one desk solution. these will help not only customers but attract commuter towards public banks and leads to improve their performance, in short, performance can be improve by giving performance, no short cut

Performance in terms of Service is discussed in my earlier post whereas in terms of profit to the bank will improved by 1. introducing some more fee based services like utility bills payments, Mutual fund SIP for any company etc. 2.The political influence like forcing banks to lend to substandard loans using political influence leads to increasing NPAs hence hamper the performance in terms of profit.3.Govt policy to follow the priority sector lending though the borrowers are regular in repaymt.