Public Sector Bank Default Possibility

I have been reading up on this subject. Learned people have bee suggesting that Indian banks are not in good shape. The founder of CNBC18 is saying that India's Public Sector Banks need 8 lakh crore in equity capital otherwise we are staring at some kind of systemic failure.

Can we please discuss state of these institutions and validate that such a gap exists and what can be done to address if it does. more  

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The recovery mechanisms in these banks are weak compounded by the very slow legal process, high lending targets without worrying about default segments and proper analysis. SME and agri lending are fraught with risks of failure and political waivers. The UPA loan waiver schemes have practically resulted in low recovery in even gold loans more  
The PSBs should be allowed to work professionally with Zero political interference. The should be compensated by the Govt. for any social scheme or write off/waive off. Awfully, the Modi Govt. is trying to clip the wings of RBI to make the things worse for the banking industry and the nation as a whole. more  
All nationalised banks are ignoring about business & customers and funding only those who have political backgrounds without attaching property equal to loan amount For.Ex.Kingfisher airlines and others and also neglect to recovery of huge loans more  
Indian banks will heads towards failure if the government tries to encroach on RBI territory and forces it to reduce interests rates ignoring concerns about inflation, continues to give concessions to real estate sector and implements schemes like Jan Dhan Yojna in a hurry putting additional burden on banking system with no returns.Real estate mafia and unscrupulous corporates have been extended huge loans against land not worth much and the over financing of this sector which does not create jobs , only helps generate black money is a major cause making Indian banks fragile in recent years. The nexus of political leaders cutting across party lines is backing the real estate mafia as they have invested their black money in real estate that is why every government including Modi government not keen to regulate it. more  
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