Most of the Public sector banks are not simply bothered about its customers. If you walk into any branch of any bank,to get some service, you are made to feel that you are not welcome. No seat is offered to you, and you seldom find a smiling face. The plight of senior citizens like me is much worse.
The banks are no doubt overburdened with various thankless jobs like government work. Tax deduction at source is one such nasty work. Depositors throng the banks with plethora of complaints that the tax deducted from them is not correctly deposited with government of India, even if correctly deposited the concerned data is not properly uploaded. Without proper uploading of data with correct PAN details, the tax deducted from you will not be given credit by Income Tax department( another unfriendly department)Citizens are put to genuine difficulty when they do not get credit for the taxes. When they approach the banks for help, the banks staff throws the blame on Income tax department. The standard reply is " we are getting the work done by outsourcing, we are help less, and the matter is very old, we do not have any records" The customer comes to the bank with such a complaint are treated as lepers.
Even if you are in bank to give business to them by depositing money in long term deposits, you are not welcome. The clerks at the counters are too busy to stare at you let along talk to you. The rates of interest on deposits are not exhibited, even if exhibited are not updated. You have to patiently wait till you are given a reply by a condescending officer/clerk. I have given at least 15 deposits worh about Rs. 15 lakhs, in last few months and everytime I am looked at like a new customer by the same clerk
The requests for non deduction of taxes by of declarations are not properly kept, not acknowledged, not submitted to banks regularly. As a result tax is deducted from the interest earned by you, and you have to unnecessarily made to file a return of income with income tax department and wait for a few years to get your refund, provided your data is properly uploaded by the banks
How to get a better service from our Banks.
The banks are no doubt overburdened with various thankless jobs like government work. Tax deduction at source is one such nasty work. Depositors throng the banks with plethora of complaints that the tax deducted from them is not correctly deposited with government of India, even if correctly deposited the concerned data is not properly uploaded. Without proper uploading of data with correct PAN details, the tax deducted from you will not be given credit by Income Tax department( another unfriendly department)Citizens are put to genuine difficulty when they do not get credit for the taxes. When they approach the banks for help, the banks staff throws the blame on Income tax department. The standard reply is " we are getting the work done by outsourcing, we are help less, and the matter is very old, we do not have any records" The customer comes to the bank with such a complaint are treated as lepers.
Even if you are in bank to give business to them by depositing money in long term deposits, you are not welcome. The clerks at the counters are too busy to stare at you let along talk to you. The rates of interest on deposits are not exhibited, even if exhibited are not updated. You have to patiently wait till you are given a reply by a condescending officer/clerk. I have given at least 15 deposits worh about Rs. 15 lakhs, in last few months and everytime I am looked at like a new customer by the same clerk
The requests for non deduction of taxes by of declarations are not properly kept, not acknowledged, not submitted to banks regularly. As a result tax is deducted from the interest earned by you, and you have to unnecessarily made to file a return of income with income tax department and wait for a few years to get your refund, provided your data is properly uploaded by the banks
How to get a better service from our Banks.
