- Working Hours should increase atleast 12-16 hours per a day by making arrangement of staff with shift adjustments.
- Number of Bank can be reduce to adjust in shifts where Banking Hours are increased to 16 Hours a day.
- Disbursement of loans has to be not at the hand of the Branch Managers but a separate section has to be established Region or Zone Level which will analyze the application of the borrower and sanction the loans after verifying in all aspects. The role of Branch will be only to operate the said loan account, since the Branch Manager over burden with the administration of the branch.
- Micro loan can be advanced through self-help groups by making the members responsible for repayment and helping the small borrowers by extending support to more number with low disbursement.
- The base for sanctioning the loan should not be the value of the asset security but it should be the income earning capacity of the borrower with the help of the asset against which loan sanctioned is granted.
- Loans against SOD’s can be given with marginal difference in a rate of interest against deposits of any person who has guaranteed the loan by mortgaging the deposit receipt are need not be in the name of the Borrower.
- The loans can be granted against all assets like LIC Premiums, Govt. Certificates, Government Bonds and all other liquid assets for short term period liberally.
- The Number of borrowers are small medium sector has to be increased so as to make them free from private money lenders and to extend the goodwill in the society in favour of the Bank.
- For agricultural Loans the NPA period can be extended to 2 crops instead of normal period for treating a loan as NPA
