For convenience of public and to reduce work-load at post-offices, Union government should also make available all tax-saving and public-welfare schemes including like Senior Citizens Saving Schemes (SCSS), National Savings Certificate (NSC), Kisan Vikas Patra (KVP) and Sukanya Samridhi Accounts through all branches of public-sector banks.  

Accounts under Public Provident Fund (PPF) scheme can now be opened at all branches of public-sector banks where each branch separately handles its own clearing-system for cheques etc.

It will reduce unnecessary clearing-load because an account-holder of the bank will be able to get benefit of government-scheme through fund-transfer in the same bank!