Binoy
I do not have enough understanding of your situation yet to give you a complete answer. You say that you can not operate both the serial and the adsl together. I am not clear why not. Until we understand that we can not show you the proper Policy Based Routing - and indeed I wonder if PBR will solve whatever the problem is.
I see that NAT is configured for users on Fa0/1 going out the dialer. I do not see any NAT for the serial interface. You state that the serial interface is working fine and that things work if you remove the route for adsl. I do not understand how this can work without NAT.
I also do not understand what is going on with interface Fa0/0. It has a public address suggesting that it connects to outside. But there is no NAT for the inteface and no routing statement pointing toward the inteface.
I am also puzzled by these 2 static routes:
ip route 212.0.0.0 255.0.0.0 212.72.6.181
ip route 212.72.0.0 255.255.0.0 212.72.6.181
They both use 212.72.6.181 as the next hop but there is not anything on the router (as configured) for which that is a connected subnet.
Perhaps if you can clarify the questions that I have asked and if you can be more specific about what you want PBR to do then we may be able to give you more effective assistance.
HTH
Rick
HTH
Rick