BHOPAL: “Public sector banks have always been underestimated even when 96.5 per cent of Jan Dhan accounts have been opened in public sector banks and not in private sector banks,” said Dilip Saha, General Secretary, All India Punjab National Bank Officers Association and vice-president of All India Bank Officers Confederation. In a press conference on Friday, Saha further said that the government should make provisions of legal action towards willful defaulters, who block the money of public.