Previous
year Rs 1 Lakh Crore NPA written off by banks in India.This is severely
affecting the
performance of banks. The main reason observed by me was the reports submitted
by Valuers and Search Reports by Advocates were accepted by concerned bank loan
processing managers blindly. They not crosschecked the contents in the reports.
Valuation Reports and Search reports must be verified before accepting them.The
contents in these reports not matches with the actual site /house etc.Reports
prepared by not visiting the actual site .They are highly manipulated.
The Loan Processing Managers of Banks when
asked they rely on reports but they are not sure about the use of report.On
this aspect Banks should train the Loan Processing Managers of all banks.
The banks while processing the loan
applications not very sure about the documents use.They collect the documents
as if the bank have to submit these documents in courts.Their actions
unjustified. Mainly Nationalized banks are not having friendly infrastructure
to all types of Indian Customers .
Today we are restricted ourselves to urban
banking infrastructure development and villages neglected.
The Banks must now collaborate with India
Post so that the money can be directly given to customers in rural area directly
in their hands.With restrictive knowledge and lack of education prevents
villagers from using all facilities of the banks on offer.
The Nationalized Banks must arrange User
Friendly Camps at GRAMPANCHAYAT level regularly.
I expect RBI to do such working in the
banks.
Warora
Dt.23 August 2022---Vinay Dadmal, Dr. Radhakrushnan Colony, Warora-442907
dadmalv2015@gmail.com
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