"As a customer of any PSU Bank,
make sure that your customer ID is
verified by your UIDAI server
biometric AUTHENTICATION;
otherwise, the Indian Government may
declare your CASA accounts in any
PSU Bank as 'Dormant' or 'Inactive' status
without any further NOTIFICATION.
Despite so much
monetary provisions
for NPA, the percentage of
NPA amount is still so ALARMING.
The amount of Non-Performing Housing
Loans and KCC Loans may be a
deadly meteor to hit the Banking Industry
and it is speedily COMING.
For bad Housing Loans,
the mortgaged property
to be put on sale
as per SARFAESI ACT.
For bad KCC loans, either you go for
relending or send their cases to
Lok Adalat, no matter how negatively
the customers REACT.
The District Magistrates, BDOs and the
Police Inspectors sometimes delay the
entire NPA recovery process
and it is a brutal FACT.
We are seeing an increasing
trend of a peculiar caste,
which is 'Nirav Modi' caste, as in this
caste, all are wilful DEFAULTERS.
If the poor farmers can repay back the
loans in time despite so much troubles,
then why these rich businessmen run away
here and there and act like FRAUDSTERS ?
From 2015 to 2019, analyze all data of
all branches to give an average rating
out of HUNDRED.
To reduce operating expenses, shut down
all branches whose average rating
is in RED.
All branches to have at least 9 staffs
(4 OFF, 3 CLK, 2 SSTF) with
specific DEPARTMENTS.
All branches to have at least 1 lady
Bank Mitra who will sit at the front desk as
one of the 'May I Help You' ASSISTANTS.
Even at that front desk,
receipts and payments upto
Rs. 25,000/- can be done
with biometric AUTHENTICATION.
All branches to have its own CTS Hub,
where an officer's job will be to scan
cheques on the same day with
proper and detailed VERIFICATION.
In 'Specialist Officers' category,
Ex-Servicemen to be recruited as
'Security and Loan Recovery Officers'
(SLRO), whereas, at least 3 years
experienced IT professional to be
recruited in IT DEPARTMENT.
To add more spices in the curry or
to add some cherries on the cream cake,
at least, 10 years experienced Credit
Managers and HR Managers of other
PSU Banks to be recruited through
lateral entry RECRUITMENT.
All branches must have Internet
connections with 3-Tier CONNECTIVITY;
to add more backup,
speed and FLEXIBILITY.
All banks must have the same upgraded
and No.1 Antivirus installed in each and
every computers to provide
maximum SECURITY.
Each and every branch
of any PSU Bank
must have an armed 'SLRO'
to perform the dual DUTY.
Retina scan will be used soon to enter
into any computer domain by verifying
the user's IDENTITY.
The employees
of top 10 profitable
branches of each zone
to be given (QPI),
Quarterly Performance INCENTIVE.
The Head Office of any PSU Bank must
send Greetings Cards to top 10 customers
based on monthly transactions and timely
loan repayment every month as a
good 'CRM' INITIATIVE.
'Minimum BRANCHES;
maximum BUSINESS;
customers to go for
more CASHLESS;
as the cash counter timings
will become LESS."- Arindam Sain
make sure that your customer ID is
verified by your UIDAI server
biometric AUTHENTICATION;
otherwise, the Indian Government may
declare your CASA accounts in any
PSU Bank as 'Dormant' or 'Inactive' status
without any further NOTIFICATION.
Despite so much
monetary provisions
for NPA, the percentage of
NPA amount is still so ALARMING.
The amount of Non-Performing Housing
Loans and KCC Loans may be a
deadly meteor to hit the Banking Industry
and it is speedily COMING.
For bad Housing Loans,
the mortgaged property
to be put on sale
as per SARFAESI ACT.
For bad KCC loans, either you go for
relending or send their cases to
Lok Adalat, no matter how negatively
the customers REACT.
The District Magistrates, BDOs and the
Police Inspectors sometimes delay the
entire NPA recovery process
and it is a brutal FACT.
We are seeing an increasing
trend of a peculiar caste,
which is 'Nirav Modi' caste, as in this
caste, all are wilful DEFAULTERS.
If the poor farmers can repay back the
loans in time despite so much troubles,
then why these rich businessmen run away
here and there and act like FRAUDSTERS ?
From 2015 to 2019, analyze all data of
all branches to give an average rating
out of HUNDRED.
To reduce operating expenses, shut down
all branches whose average rating
is in RED.
All branches to have at least 9 staffs
(4 OFF, 3 CLK, 2 SSTF) with
specific DEPARTMENTS.
All branches to have at least 1 lady
Bank Mitra who will sit at the front desk as
one of the 'May I Help You' ASSISTANTS.
Even at that front desk,
receipts and payments upto
Rs. 25,000/- can be done
with biometric AUTHENTICATION.
All branches to have its own CTS Hub,
where an officer's job will be to scan
cheques on the same day with
proper and detailed VERIFICATION.
In 'Specialist Officers' category,
Ex-Servicemen to be recruited as
'Security and Loan Recovery Officers'
(SLRO), whereas, at least 3 years
experienced IT professional to be
recruited in IT DEPARTMENT.
To add more spices in the curry or
to add some cherries on the cream cake,
at least, 10 years experienced Credit
Managers and HR Managers of other
PSU Banks to be recruited through
lateral entry RECRUITMENT.
All branches must have Internet
connections with 3-Tier CONNECTIVITY;
to add more backup,
speed and FLEXIBILITY.
All banks must have the same upgraded
and No.1 Antivirus installed in each and
every computers to provide
maximum SECURITY.
Each and every branch
of any PSU Bank
must have an armed 'SLRO'
to perform the dual DUTY.
Retina scan will be used soon to enter
into any computer domain by verifying
the user's IDENTITY.
The employees
of top 10 profitable
branches of each zone
to be given (QPI),
Quarterly Performance INCENTIVE.
The Head Office of any PSU Bank must
send Greetings Cards to top 10 customers
based on monthly transactions and timely
loan repayment every month as a
good 'CRM' INITIATIVE.
'Minimum BRANCHES;
maximum BUSINESS;
customers to go for
more CASHLESS;
as the cash counter timings
will become LESS."- Arindam Sain
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