Related to Banks (Just a 30 second thing)

Related to Banks (Just a 30 second thing)

180°
Missing
Deal Subedar
197
1387
12

What are the general issues customers face in banks?
I’m trying to make a questionnaire and just need some pointers. Being a student I don’t have much idea about banking (Practical)
10-15 people giving 1-2 points would make my work a lot easier.
Thanks in advance.

21 Comments  |  
11 Dimers
Missing
Deal Subedar
197
1387
12

Fill Kar Dena Dosto!
Trans- Please fill it friends!

Missing
Deal Cadet
122
350
7

Too much rush bcoz of that Bank employee don’t have a time to listen customer problem and comman man suffer
Specially for those customers who r not aware of digital banking or old age man

Missing
Deal Subedar
197
1387
12
ASH13 wrote:

Too much rush bcoz of that Bank employee don’t have a time to listen customer problem and comman man suffer
Specially for those customers who r not aware of digital banking or old age man

Yes good point. Thanks

Missing
Entertainer
22
1875
24

Server down.
Link fail.
Lunch break.
Only one window open
The officer u r looking for is on honeymoon//position not filled
Some random person goes to counter without standing and waiting in the line.
“U have not put a comma(,) in ur application form fill it please”.
All the man employees are handsome hunk but womens are old aged, near to retirement/death persons (o)(o)

Missing
Community Angel
933
35157
459

1. What Where How

Though most private banks showcase clearly which section is for what purpose, they are helpful too in responding but this is still branch specific and depends on staff friendliness
PSU on the contrary despite having single window concept make people walk from one desk to another
One has to literally beg to get their rightful things done
At times staff lack knowledge which leads to irritation and waste of time

2. Due to space crunch or otherwise, teller / cash withdrawal window is easily seen and one withdrawing big sum will be easily noticed thereby increasing risk
though few banks have roaming staff and diligent security which keep vigil on customers who come without purpose or ulterior motive

3. Locker placement is hassle at times
One has to get down several stairs which are not comfortable to get down, specially elderly people
Also same as 2, locker entry is near gate then many notice and it poses risk

Banks (private as well psu) are improving day by day and recruiting and training staff to serve customers well. So above issues are not bank specific, these could be location specific.

Missing
Tech Guru
316
3637
48

No forms/challans
Passbook printing machine failure
Marketing their loan / mutual fund products
Finally: NOT CUSTOMER FRIENDLY.. WELCOMING INVESTORS, DISOBEYING CUSTOMERS.
A common man struggles hard to open a saving account, but for a person who interested in Loans will be created account instantly within half a day.

Missing
Deal Subedar
197
1387
12

Thank you so much guys for the input

Missing
Deal Lieutenant
122
4383
39

In banks like Axis, ICICI , once you walk in … in house sales team keep pounding on you to hard sell their trash products

Missing
Deal Cadet
86
581
21
Saikcw wrote:

In banks like Axis, ICICI , once you walk in … in house sales team keep pounding on you to hard sell their trash products

I second that, mostly in private banks all employees irrespective of thier role are given sales targets for insurance products, mutual funds etc etc
I have had arguments with also, cause they were like they can see so my much money is lying idle in my account why dont i put in some ulip scheme they suggested.
I was like who the hell are you to check my balances, i have come here for depositing a cheque
So this is a major issue i have faced, selling stupid products and breach of privacy of my personal finance details

Missing
Blogger
1,219
2972
62
Expand
karanoshan wrote:

I second that, mostly in private banks all employees irrespective of thier role are given sales targets for insurance products, mutual funds etc etc
I have had arguments with also, cause they were like they can see so my much money is lying idle in my account why dont i put in some ulip scheme they suggested.
I was like who the hell are you to check my balances, i have come here for depositing a cheque
So this is a major issue i have faced, selling stupid products and breach of privacy of my personal finance details

Sometimes they come useful too.. wink but yes, mostly annoying! grin I agree. plus1

Missing
Blogger
1,219
2972
62
Expand
karanoshan wrote:

I second that, mostly in private banks all employees irrespective of thier role are given sales targets for insurance products, mutual funds etc etc
I have had arguments with also, cause they were like they can see so my much money is lying idle in my account why dont i put in some ulip scheme they suggested.
I was like who the hell are you to check my balances, i have come here for depositing a cheque
So this is a major issue i have faced, selling stupid products and breach of privacy of my personal finance details

Sometimes they come useful too.. wink but yes, mostly annoying! grin I agree. plus1

Missing
Blogger
1,219
2972
62
Expand
karanoshan wrote:

I second that, mostly in private banks all employees irrespective of thier role are given sales targets for insurance products, mutual funds etc etc
I have had arguments with also, cause they were like they can see so my much money is lying idle in my account why dont i put in some ulip scheme they suggested.
I was like who the hell are you to check my balances, i have come here for depositing a cheque
So this is a major issue i have faced, selling stupid products and breach of privacy of my personal finance details

Sometimes they come useful too.. wink but yes, mostly annoying! grin I agree. plus1

Missing
Tech Guru
316
3637
48
Saikcw wrote:

In banks like Axis, ICICI , once you walk in … in house sales team keep pounding on you to hard sell their trash products

For this reason only im avoiding visiting axis bank

Missing
Shopping Friend
531
7330
117

LPG subsidy bank account change – the bank fellows not ready to help and say we dont have SUCH FACILITY

the lpg portal says visit bank but bank dont help

there should be online facility to change the bank details on the LPG portal

Missing
suspended
50
20
0

despite knowing it is legally not correct:
banks (non scheduled/cooperative, scheduled) try to abuse change in terms/policies by mentioning ‘..if you don’t respond/object to these terms within N days of this communication, it will be treated as having acceptance of new terms and you’ll be bound by them..’

without knowledge and despite receiving no instructions, forcing products/services on the relationship.
later charging for the same.

Missing
Entertainer
22
1875
24
desiman wrote:

LPG subsidy bank account change – the bank fellows not ready to help and say we dont have SUCH FACILITY

the lpg portal says visit bank but bank dont help

there should be online facility to change the bank details on the LPG portal

Do u have internet banking? Sbi net banking has option to change/link lpg subsidy

Missing
Shopping Friend
531
7330
117
Expand
P_A_N_K_A_J wrote:

Do u have internet banking? Sbi net banking has option to change/link lpg subsidy

LPG is in name of second holder on the SB account where as on the net banking it shows only first holder link in case of either / survivor bank account

Missing
Entertainer
22
1875
24
Expand
desiman wrote:

LPG is in name of second holder on the SB account where as on the net banking it shows only first holder link in case of either / survivor bank account

Visit the agency. They will do it. Mine is indane they asked me xerox of passbook and aadhaar.

Missing
Deal Subedar
128
1137
10

one more problem I observed in govt banks in my area is the employees take Rs500-1000 from uneducated people who have no idea about banking while opening a new zero balance bank account but that money never gets deposited in their bank account and they don’t have any proof that they gave money.
the employees simply deny that they took money for the opening account and when asked further they ask for proof.
I have seen this happening a lot of times.

Missing
Shopping Friend
531
7330
117
tank_u_m8 wrote:

one more problem I observed in govt banks in my area is the employees take Rs500-1000 from uneducated people who have no idea about banking while opening a new zero balance bank account but that money never gets deposited in their bank account and they don’t have any proof that they gave money.
the employees simply deny that they took money for the opening account and when asked further they ask for proof.
I have seen this happening a lot of times.

hushed
Missing