These Banks charge heavy interest on loans and like services, and what they do with this money, they employe even Gundas to recover loans and pay huge sums to these kind of Gundas. what an irony..... the same amount or may be less, they can give as discounts to the helpless customers. In this country if these banks are not becomeing more considerative to potential cutomers, it is very difficult for our country. Dubai, Singapore, Hong Kong... like countries developed, people did small small business and improved only through Banks help, .... not through "BANKS DADAGIRI"