Give customers to freedom of using banking services through mobile apps. Still smart mobiles might be out of reach for many but at-least should be privilege for those people who have them. Develop the mobile app which provide following banking services.
(1) Quick transfer to another accounts
(2) Instant check deposit (Take photo of both sides of check and deposit)
(3) ATM/Branch Address Locator
(4) Live account balance

Every transaction (even for 1 rupee toffee) must be through mobile-money-transfer/on-line/ debit card/ credit card/ smart card. Advantages will be-
1. no need to CARRY cash
2. zero cost to PRINT money
3. no FAKE money
4. no BLACK money generation
5. more TAX collection
6. no BRIBERY
7. more money in BANK ACCOUNT
8. no SOILED note
9. no problem for CHANGE
10. one SMART CARD for all bus/auto/taxi/train/metro ride. No chance of DADAGIRI by auto/taxi driver
11.more ease to DEVELOP INDIA

I will just say GOI should ensure that people dont have to wait for long just because Bank employees are discussing about IPL, Football and National Politics. Apart from these GOI should make use of digital platform more. Most of the times in SBI in Kolkata you will find that their is link failure. PSU bank can grow at much gretaer speed as they will get the help from GOI but they are unable to do so because of no new innovation from their side- new investment tools, attractive scheme etc.

Bank employees should get salaries according to central govt pay scales and there should be a transparent atmosphere for transfer posting and regulated working hours. It will motivate the employee to perform at his best.
NPA is the biggest problem for this sector but if only the top 10 NPAs get recovered the amount will come down to 30-40%. An initiative is required from govt end to empower banking sector by helping banks in recovery of NPA.

In public sector bank people are get easy job those are reserve catagaory. They are not skilled and eligible candidate. They just get job because of qualified cretitera is easy. If govt stop such adimision it will help to govt were skilled and knowledgeble candidate will work.also govt should allow to open market recruitment for experience people......

Most public sector banks are very poor when dealing with debit cards related matters. They need to improve their debit card (ATM) mechanism. Cards do not reach on time, do not get codes, does not function.

Zero tolerance against non-payment of debt from corporates. No debt re-structuring. Time bound action on non-payment.

Like in private sector banks,
-> individual incentives should be there for performance...especially for those who are in sales
-> remove min service experience etc conditions for promotions
-> every employee should be made responsible to good customer service. If proper service is not there, remove from jobs.

Continious to Mr.BHARAT DESHPANDE's suggestion...
Banks should allow to save Term Deposit details also in Demat Accounts.

i have observed that Banks waste lot of papers in doing vouchers and I suggest that there should be paperless internal banking. even FD certificates etc issued by bank should be only on net ( soft copy) and only if customer insist they should give paper copy. Nationalized Banks waste most of their paper stationery and kill time in writing vouchers again and again.