As on date all the bank are selling products of other financial fields e.g., Mutual funds. Life Insure and General Insurance policies including Health Insurance.Being corporate agents of Insurance companies  and Mutual Funds they are being paid huge commissions to banks. This commission is distributed among the Bank employees in the form of incentives. Eligiblity of incentive is any executive from Branch Manager to Chairman who termed as controller of the business convassing employee and so a great pressure is being put on the lower level officers to convert Bank deposits into Life Insurance and Health Insurance. Most of controllers are threatning to their fellow subordinates to transfer at a remote place or to initiate departmental proceedings. some controllers are stopping their perquisits including residential accomodation provided by Bank. Banks are so aggressive in this mis selling of Insurance products that mandate of customers is not remained important in making debit to customers account. This process damaging health of PSB in many ways i) erosion of Bank deposit ii) Trust of customer on banking system iii) loss of money of customer iv) loss of career of excellent officers of bank v) encouraging wrong products