Public Sector Bank does not Go with Rural Coustmer

Merger of PSB that utilized will manpower and that reduced unwanted compilation in PSB.

Opening of new branches of public sector banks should be stopped. In order to lesson the manpower..the banks should devise online software capable of processing all activities which are undertaken by the bank Instead of target of more deposits and more accounts., the performance should be monitored on the number of satisfied customers. Banks should have appropriate software that the orders of customers over sms are also complied with. The cut throat competition between banks be stopped.

BULLET TRAIN 350 KMPH, 520 KM, 800 PASS, 20,000 P/Day Rs 9000 Cr 7500 HP, FUEL 250 Lit/Hr . 1.4 KMPL.CO2e =3.32 G/T-KM TRAIN 5 No , TRAVEL 4 Hr /Trip. 5 Trips/Day . hollow nose. FOR . BULLET TRAIN 350 KMPH, 520 KM, 800 PASS, 20,000 P/Day Rs 66,500 Cr 15,000 HP, FUEL1500 Lit/Hr .0.235 KMPL. CO2e= 20 G/T-KM. TRAIN 5 No , TRAVEL 4 Hr /Trip. 5 Trips/Day snub nose BULLET TRAIN 700 KMPH, 520 KM, 800 PASS, 20,000 P/Day Rs 12,500 Cr 15,000 HP, FUEL 500 Lit/Hr .1.4 KMPL. CO2e= 3.32

RESPECTED SIR, I HAD TAKEN KOTAK LIFE INSURANCE IN 2009 YEAR AD DEPOSITED PREMIUM OF RS 18000+18000=36000/- AND REGULARLY DEPOSITED PREMIUM TILL 2014 BUT PREMIUM DEPOSITED IN VERY FIRST YEAR OF RS 18000+18000=36000 DO NOT RFFLECT IN PREMIUM STATEMENT OF YEAR 2009 AND THEY HAD EATEN MY HARD MONEY , SO PL RECOVER MY MONEY AND WHY MONEY WAS NOT DEPOSITED IN FUND VALUE WHEN I HAD INSTRUCTED THEM TO DEPOSIT AS PREMIUM AND ALSO RECOVER INTEREST AND FINANCIAL LOSS WHICH insurance fraud

1. Fix accountability of higher officials like CMD and EDs in bank for sanction big advances to corpirate house after that which turns into NPA 2. Govt makes law for recovery from big corporate houses loans turns into NPA. 3. Proper posting of Banker 4. Adequate wage to banker 5. Regulated working hours. 6. Proper placement of staff in branches as compare to administrative offices of bank like CO ZO and RO.

CROSS COUNTRY SHIPPING WILL BE REPLACING ROAD, RAIL, SHIP TRANSPORT BY HIGH SPEED, LOW FARE. 360 DAYS TASK IS DONE IN 12 DAYS. 360*11/330=12 LOW CARBON DESIGN :: CO2E 1/6 OF NORMAL 16.7% G/T-KM CARGO, FERRY, CONTAINER, VLCC, 330, 660 KNT SEA, SKY MSSILE . 6 MACH 1 MN$/T; 10 MN$/T. HOLLOW NOSE JET 1200, 2400 KMPH; FARE 2.5C/KM ROI=120 % FARE 1C/KM; FREIGHT 3C/KM/T; 60C/KM/TEU INV COST $ 4000/GRT. ROI= 1080 % INV 100 MN$ RETURN 500 MN$/YR. REPAID 200 MN$ M ANDY APPAN, M.E 49 YRS

There are lessons to be taken from SBI. Once considered like a bank for Government Transactions, now they are on par with private sector banks. Technology plays a key role. As most of the business happen online, technology should be good and user interface should be improved on par with SBI. HR Policy to be improved and those who took VRS, particularly women employees should be taken on consolidated salary. This will strengthen the workforce at reduced cost.

Complaint should be resolvd within 24 hours .official who is responsible should be punished if any harm cause to bank or customer , and the loss should be directly recoverd from his/her salery. Bank should retire those employee who are not capable to do work

INVEST EQUITY FUND INR 1000 Crores. GETBACK INR 2000 Crores in 3 Years • LOW CARBON AUTOMOTIVE NORMAL FUELS. • Technology: double speed, 1/3 fuel for same Ton-HP • bike 300 kg, 120 kmph, 8 hp/30 cc;360 kmpl, 6.5 g/km co2e • car 2t, 200 kmph 100 hp/600 cc; 60 kmpl, 39 g/km co2e • truck 15t,200 kmph, 240 hp/1600 cc, 30 kmpl; 77.5 g/km co2e • Inv 100 Mn$ Repaid 200 Mn$ In 2 Yrs • ANDY .... 1 DIESEL ENGINES TO RUN ON COAL 2 BULLET TRAIN 350 KMPH 520 KM, 800 P/TRIP, 20,000 P/DAY