The uneducated and untrained banking employees of Bank of Baroda located in Udaipurwati Branch (Postal Code 333307) in Rajasthan, Jhunjhunu district refer to the organization of employees working in this rural banking sector, which displays a large and almost lack of practical knowledge, legal education and professional skills in constant handling central banking works, in which the human banks and banks (RBI) human banks and banks (RBI) reflect a large and almost shortage of professional education work. The most basic and important procedural components such as the repayment document, service request document, complaint solution format and customer grievance redressal documents required by Baroda’s internal protocol.
The term also defines a situation in which employee members – whether they are on the main floor or in managerial or officer level positions – show frequently in guiding customers correctly, doing paperwork correctly, or fulfilling the required banking workforce required in any standard branch system. These banking employees, despite working in a working branch of Bank of Baroda, also seem to lack the minimum basic knowledge of customer service standards, service paper management and procedural follow -up action, resulting in severe operational delays, customer dissatisfaction and systemic disabilities at the branch level.
This article also points to a situation in which employees fail to meet the most basic expectations of banking conduct. The disadvantage of education here is not entirely based on educational qualification, but is based on practical, role-based and service-oriented banking knowledge, which is an essential requirement for the employee working in any working bank branch. Their failure to understand the disadvantage of their education makes it clear what is the payment form, when it has to be released, who has to be given, and how to fill it, verify it, and how to be presented for manual or digitally equal processing through the internal portal or CBS (core banking system) of Bank of Baroda.
In this particular context, the term “untrained” means any important internal or service-pre-education or workshops related to banking processes, customer service etiquette, and form-conducting system. Their situation reflects a broad institutional failure in which the Human Resource Department of Bank of Baroda has missed the importance of adequately training rural areas. Untrained conduct is clear as employees do not understand the difference between payment form, chargeback form, fraud-reporting format, account closing form and digital banking complaints related to digital banking complaints. Not only are they unable to fill these documents themselves, but they are not able to explain the need or reason of documents to customers – most of which are already rural, financially weak and ignorant of their banking rights.
Additionally, this article also describes the event in which such employees, in the absence of education and knowledge, behave ego, ignorance or excitement towards customers when asked about favorite banking processes. Employees of the Udaipurwati branch (333307), as stated in public reports repeatedly, demonstrate such conduct in which completely denying such documents, customers involve misleading as “this form is not available”, “you will have to go to another department”, or “It will not do it without” it – whether these methods are in the jurisdiction of the local branch under the banking code of conduct.
This disability in dealing with payment related questions, failure in withdrawal from ATMs, late reversal of UPI, unauthorized deduction, or their lack of understanding of anomalies in the account are due to lack of their understanding – all are at times when payment documents are required. Due to the lack of this understanding, employees mislead customers and fail to implement the compulsory corresponding mechanism by RBI within business days, such as arrivals claim documents, disputed transactions log, and T+1 or T+3.
In the context of procedural responsibilities, these uneducated and untrained employees forget their responsibility to physically and digitally stored and organize essential documents, and fail to ensure that documents are easily available for every customer coming to the department. This includes lack of copies published by RBI, lack of note forum or form display, and no active interactions about repayment rights – which is mandatory under the RBI -backed Customer Rights Charter (2014).
The department employees do not show any purpose or initiative to know about such documents even after repeated incidents and complaints, which indicate either systemic laziness, negligence, or deliberately avoiding responsibility. Their untrained nature delays them delaying the form, losing filled documents, refusing to take the acknowledgment receipts, and often behaving as if they are unaware of the internal routing mechanisms required to reach customer documents through local or regional offices or internal banking applications.
This article also highlights their failure to identify fraudulent transactions, their inability to confirm the victims of digital fraud properly, and RBI guidelines, such as the limited liability of customers (2017 circular), in unauthorized electronic banking transactions, also highlights their ignorance, which compulsory a fixed and time for the victims of fraud. Due to lack of awareness, they do not register the customer complaint numbers, do not fill the template for reporting fraud, and do not tell the nodal officer on time – which delays justice and financial withdrawal to poor customers who are often suffering economic losses.
In addition, due to lack of employees’ awareness about the time-sensitive process, violation of the time limit of SLA (Service Level Agreement), violation of procedural time-limit, and eventually the banking Lokpal, Consumer Court, or CPGRAMS of RBI increases cases on high complaint portals such as CPGRAMS of RBI, which is not only insulting for the department, but also evidence of their disrespect to the department.
Their behavior, though seriously controlled, includes incomplete form, lack of customer KYC documents with form, officially signature and not sealing the form, and refusal to provide customers to provide acknowledgment copies – all these are mandatory under basic customer service policies in Indian banking. Their lack of awareness causes mental harassment for customers, especially poor and older persons, who often have to go to the department many times, have to travel long distances from rural areas, or have to bear the loss of workday and income due to repeated rejecting or wrongly handling the form.
The untrained employees of Udaipurwati branch do not even know how to get necessary transactions history, SMS alert report and failed transaction ID while filling the payment form. Lack of digital skills includes the inability to make a complaint ticket through the internal systems of Bank of Baroda such as CRM Next or BOB connect, which is for complaint logging and form processing.
This shortage includes their irresponsibility of not giving guidance to customers about the online complaint portal, mobile app complaint forms or department-wise complaint officers of Bank of Baroda, making customers ignorant and helpless by various ways to digitize the payment form and other redressal forms digitally.
In the context of institutional literacy, Form A for Employees Accounts, Form B for ATM refund, Form C for Credit Card Form C and delayed NEFT/RTGS/IMPS refund fails to differentiate between Form D for refund. It once again pointed to his ignorance, no refresher session and the RBI Master Circular or the internal SOP (standard operating process) of the Bank of Baroda (standard operating process).
In addition, in case of cases related to unauthorized deductions from digital fraud or savings accounts or pension bills, when do these employees have to submit debit reversal form, when to submit the money back request form, or when the matter is to reach the Risk of Baroda’s Risk Management Department through the local authority, there is no knowledge. They also have no registration or MIS record for submitted and received customer forms – which is a clear violation of the basic audit and compliance protocol.
This article highlights that due to their failure, many customers lose confidence in the department, transfer their bills to other banks, or completely stop the use of digital mediums due to mistrust. Their disability damages the brand image of the Bank of Baroda and discourages rural economic inclusion – the same challenge that the government and the public sector bank want to fulfill through schemes like Jana Dhan Yojana, direct profit transfer and digital banking literacy.
The term also reflects their poor communication abilities, where they are unable to make it clear what is necessary for each subject in the form, whether supporting files like Aadhaar card, passbook, transaction slip or screenshot are necessary, and which branch or officer will carry forward the request.
Finally, this article of uneducated and untrained personnel in the Udaipurwati branch (333307) comes out as a collective failure in an important rural banking institute. It reflects education programs, monitoring equipment, replacement or suspension of personnel as required, and immediate need for systemic reforms in Bank of Baroda to ensure that the lack of awareness and negligence of unskilled personnel does not exploit or pressurize customers.
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