SBIi GK Data

BRIGHT BANKING SERVICES AND CONSULTANCY SERVICES
(SBI ASSISTANT & P.O (PROBATIONARY OFFICER ), RAILWAY EXAMS, STAFF SELECTION EXAM & OTHER COMPETITIVE EXAMS)
NO.3, RAMTANU MAULI BUILDING, PLOT NO .98, BESIDES PUNJAB ATM, SEC-1, SANPADA, NAVI MUMBAI
1. State Bank MobiCash Easy (SBMC Easy) A NIL KYC Mobile Wallet State Bank MobiCash Easy (SBMC Easy) is a Mobile Wallet. It is a prepaid account on your mobile phone. You can load money and use it to pay for different services offered. You can register for SBMC Easy just by sending a SMS. Presently, this is available in Delhi NCR, Haryana, Punjab, Chandigarh, Mumbai, Andhra Pradesh and Tamilnadu. Features : Fund transfer to another SBI Wallet or any Bank account. ii. Mobile top up. iii. DTH/ Broadband recharge mobiles. iv. Bill payment v. Balance enquiry. vi. Mini statement which displays last five transactions. Presently, as per RBI Guidelines, withdrawal of cash in not permitted. i. 3.
FOREIGN INWARD REMITTANCE [Print Page] Drafts in Indian rupees can be

purchased from exchange companies or our correspondents and mailed to the branch where you have your account.
Telegraphic or wire transfers can be
made through our branches abroad [Click here to Branches] or our correspondents to branches having SWIFT/TT drawing arrangements. Please indicate your account number clearly.
Cheques can be deposited for credit of
your accounts. These will be collected and credited to your accounts.
Travelers cheques can be tendered by

you personally during your visit to India.
STATE BANK MOBICASH [Print Page]

2. State Bank MobiCash is a prepaid account on mobile offering facilities like fund transfer, mobile/ DTH recharge, bill payment, balance enquiry and mini statement. Bank offers two variants of the Mobile Wallets, State Bank MobiCash (full KYC Wallet) and State Bank MobiCash Easy (nil KYC Wallet). State Bank MobiCash Easy (SBMC Easy) A NIL KYC Mobile Wallet
If your branch is SWIFT enabled [Click

here for SWIFT Branches] you can transfer funds from anywhere by SWIFT.
For speedy credit to accounts from

Gulf, you can use SBI Express. For speedy credits from USA use sbiexpress credit.SBI exprress credits are through the Automated Clearing House (ACH), log on to www.onlinesbi.com/gls. Your money will be credited to your account in 4 days. [at present, there are no charges for remittances over $100 ].
4.
State Bank MobiCash (SBMC) A FULL KYC Mobile Wallet
MAGNETIC INK CHARACTER RECOGNITION (MICR) [Print Page]
In MICR technology the information is printed on the instrument with a special type of ink which is made up of magnetic material. On insertion of the instrument in the machine, the printed information is read by the machine. MICR system is beneficial as it minimizes chances of error,

clearing of cheques becomes easy and transfer of funds becomes faster in order to facilitate operations. For details of MICR branch codes please click on the link below. 6. The user can collect the ticket personally at New Delhi reservation counter . 7. The Payment amount will include ticket fare including reservation charges, courier charges and Bank Service fee of Rs 10/. 5.
RBIEFT
8. For cancellation, the has ticket to be presented over reservation counter. 9. No cash will be paid at the time of cancellation. Only cancellation ticket will be issued. Your account will be credited after 4 days. 10. SBI shall not be responsible for any delays or disputes regarding tickets.
Inter-bank Electronic Funds Transfer facility of the Reserve Bank of India (RBI - EFT) is available with our branches in the clearing zone of Service Branches at Kolkata, Mumbai, New Delhi and Chennai. For further details, please contact our Asst. General Managers (Business Planning, Commercial) at the following telephone numbers:
6.
E-RAIL
Book your Railways Ticket Online. The facility has been launched wef Ist September 2003 in association with IRCTC. The scheme facilitates Booking of Railways Ticket Online. The salient features of the scheme are as under: 1. All Internet banking customers can use the facility. 2. You are required to register on www.irctc.co.in. You can select your train depending on your journey and book your ticket online. 3. On giving payment option as SBI, the user will be redirected to onlinesbi.com. After logging on to the site you will be displayed payment amount, TID No. and Railway reference no. 4. On selecting the payment amount your account will be debited. You will return to www.irctc.co.in . The ticket with PNR No. will be displayed. You can print the ticket. 5. The ticket can be delivered or collected by the customer.

Fee Payment to select educational institutions including IITs and NITs
7.
INTERNET BANKING
ATM SERVICES [Print Page]
WELCOME ABOARD www.onlinesbi.com, the Internet banking portal of our bank, enables its retail banking customers to operate their accounts from anywhere anytime, removing the restrictions imposed by geography and time. It's a platform that enables the customers to carry out their banking activities from their desktop, aided by the power and convenience of the Internet. Using Internet banking services, you can do the following normal banking transactions online: Funds transfer between own accounts. Third party transfers to accounts maintained at any branch of SBI Group Transfers to accounts in State Bank Group Inter Bank Transfers to accounts with other Banks Online standing instructions for periodical transfer for the above Credit PPF accounts across branches Request for Issue of Demand Draft Request for opening of new accounts Request for closure of Loan Accounts Request for Issue of Cheque Book Apart from these, the other salient value-added features available are: Utility bill payments Online Ticket Booking for travel by Road, Rail and Air SBILIFE, LIC and other insurance premia payments SBI and other Mutual funds Investments SBI and other Credit Card dues payments Tax Payment Income, Service, State Govt Customs Duty Payment Online Share Trading (eZ-trade@SBI) Online Application for IPO
STATE BANK NETWORKED ATM SERVICES State Bank offers you the convenience of over 26,000 ATMs in India, the largest network in the country and continuing to expand fast! This means that you can transact free of cost at the ATMs of State Bank Group (This includes the ATMs of State Bank of India as well as the Associate Banks - namely, State Bank of Bikaner & Jaipur, State Bank of Hyderabad, State Bank of Mysore, State Bank of Patiala, and State Bank of Travancore) and wholly owned subsidiary viz. SBI Commercial and International Bank Ltd., using the State Bank ATM-cum-Debit (Cash Plus) card. KINDS OF CARDS ACCEPTED AT STATE BANK ATMs Besides all cards of State Bank of India, State Bank ATM-Cum-Debit Card and State Bank International ATM-Cum-Debit Cards following cards are also accepted at State Bank ATMs: 1) State Bank Credit Card 2) Cards issued by other banks displaying Maestro, Master Card, Cirrus, VISA and VISA Electron logos 3) All Debit/ Credit Cards issued by any bank outside India displaying Maestro, Master Card, Cirrus, VISA and VISA Electron logos State Bank ATM-cum-Debit Cash plus) Card: (State Bank
India's largest bank is proud to offer you unparalleled convenience viz. State Bank ATMcum-Debit (Cash Plus) card. With this card, there is no need to carry cash in your wallet. You can now withdraw cash and make purchases anytime you wish to with your ATM-cum-Debit Card.

Get an ATM-cum-Debit card with which you can transact for FREE at any of over 26,000 ATMs of State Bank Group within our country. Click here for the list of ATMs in India or to find the nearest ATM you are looking for! Features: Withdraw cash from over 26,000 ATMs of our group FREE and about 40000 ATMs of other banks under multi-lateral sharing viz. Andhra Bank, Axis Bank, Bank of India, The Bank of Rajasthan Ltd. Canara Bank, Corporation Bank, Dena Bank, HDFC Bank, ICICI Bank, Indian Bank, IndusInd Bank, Punjab National Bank, UCO Bank and Union Bank of India apart from ATMs displaying Master Card/ Maestro/Cirrus logo for FREE upto first 5 transactions (Financial and Non-Financial) in a calendar month (for SB account holders). Make payments for purchases by using the debit card at more than 4 lakh shops, restaurants, shopping malls, hotels, petrol pumps and many other outlets which display Maestro logo. Recharge pre-paid mobile phones of Vodafone, IDEA, Reliance and BPL without any charges at any State Bank ATM. Recharge pre-paid mobile phones of AIRTEL of 11 Circles viz. Mumbai, Delhi, Gujarat, M.P., U.P. (East), U.P. (West), Karnataka, Kerala, Andhra Pradesh, Tamilnadu, and Chennai, through ATM/ SMS anywhere in India. Recharge mobile phones of AIRTEL, Vodafone, Uninor, Virgin, Reliance IDEA and BPL without any charges at all ATMs as well as by sending SMS (after registration at State Bank ATM).The text of SMS will be as under: SMS Text Send SMS to Provider Airtel BPL RC (AMOUNT) PIN 535 RC SBI (AMOUNT) 140 PIN Vodafone RC SBI (AMOUNT) 147 PIN IDEA RC SBI (AMOUNT) 575 PIN Pay MTNL, Mumbai bills through State Bank ATMs Payment of Electricity Bills (Bescom), Bengaluru Payment of SBI Credit Card bills Payment of SBI Life insurance premium Pay fees of select colleges Registration of SBI Mobile Banking and SMS Alerts Donate to Temple Trusts: - (a) Vaishno Devi (b) Shirdi Saibaba (c) Gurudwara Takht Saheb, Nanded (d) Tirupati and (e) Sri Jagannath Temple, Puri (f) Palani, Tamil Nadu (g) Kanchi Kamakoti Petam, Tamil Nadu (h) Ramakrishna Mission, Kolkatta (i) Mantralaya, Andhra Pradesh (j) Kashi Vishwanath, Banaras (k) Tulja Bhavani, Mumbai (l) Mahalakshmi, Mumbai Donate to Relief Funds: (a) CM Relief Fund, Orissa (b) CM Relief Fund, Bihar (c) Rajiv Gandhi Aarogyasri Fund
Transaction Limits: Daily limit of Rs 40,000/- at the ATM Daily limit of Rs 50,000/- at Point of Sale (POS) terminal for debit transactions Combined daily limit of Rs 90,000/-
Service

The breakup of Multi Option Deposit Scheme units is available through the Saving Bank / Current Account linked with the ATM-Cum-Debit Card, if attached with the MODS.The withdrawals can be made in units of Rs 1000/- from the Deposits. Fees: There is no joining fee for State Bank ATM-cumDebit (Cash Plus) card. Annual maintenance fee of Rs. 100/- p.a. will be recovered from the second year of issue. Apply for your card If you already have a Savings Bank or Current Account with us, apply for State Bank ATM-cumDebit (Cash Plus) card at your branch. If you are not banking with us, start doing so State Bank Cash Plus International Card: This is an International ATM-cum-Debit Card with which you can enjoy shopping at over 4 lakh establishments in India and over 10.5 Million establishments worldwide displaying Maestro logo, wherein the amount you spend on your card is automatically debited to your account. Withdraw cash from over 26,000 ATMs of our group FREE of other banks from ATMs displaying Master Card/ Maestro / Cirrus logo in India and more than 8,20,000 ATMs across the globe for a nominal fee. In India, it would function as the State Bank ATM-cum-Debit (Cash Plus) card. WITHDRAWAL LIMIT: Maximum
ii) Transaction at POS (per day) : India Abroad Rs. 1,00,000 US$1000 or equivalent
Maximum permitted aggregate utilization in a day is Rs. 145000 in India and equivalent to US$ 2000 abroad (subject to compliance with the RBI and Exchange Control/ FEMA Regulations)
TRANSACTION COSTS: FREE! Fees : The State Bank Cash Plus International Card is available for one time joining fee of Rs 200/-. Annual maintenance fee of Rs. 100/- p.a. will be recovered from the second year of issue. Apply for your card : If you already have a Savings Bank or Current Account with us, apply for State Bank Cash Plus card at your branch. If you are not banking with us, start doing so Experience Anytime Anywhere Banking with STATE BANK. Call us at our toll free 1800112211, 1800-4253800 from any phone. Enhanced Convenience:
i) Cash Withdrawals(per day) :
India Minimum Rs. 100 Maximum
Abroad Depends on the Bank whose ATM is being used Rs. 45000 US$1000 or equivalent 5
State Bank accepts Debit/ Credit Cards issued by banks in India and abroad affiliated to both VISA and Master Card International at its over 26,000 ATMs. Search for ATM locations in India

Acceptability: STATE BANK INTERNATIONAL ATM-CUMDEBIT CARD Eligibility: All Saving Bank and Current Account holders having accounts with networked branches and are: 18 years of age & above Account type: Sole or Joint with "Either or Survivor" / "Anyone or Survivor" NRE account holders are also eligible but NRO account holders are not. Card can be used at: More than 8,20,000 ATMs and 7 million POS, worldwide, displaying Cirrus logo All State Bank Group and tie-up bank's ATMs, and ATMs & POS in India displaying Master Card/ Maestro / Cirrus logo
8. SERVICE CHARGES & FEES W.E.F. 01.01.2013
Benefits: Convenience to the customers traveling overseas Can be used as Domestic ATM-cum-Debit Card Available at a nominal joining fee of Rs. 200/Daily limit of US $ 1000 or equivalent at the ATM and US $ 1000 or equivalent at Point of Sale (POS) terminal for debit transaction Purchase Protection*up to Rs. 5000/- and Personal Accident cover*up to Rs. 2,00,000/Charges for usage abroad: Rs. 150+ Service Tax per cash withdrawal Rs. 15 + Service Tax per enquiry. Sr. No. A. Service Charges BASIC SERVICE CHARGES: SAFE DEPOSIT LOCKER/SAFE CUSTODY (Inclusive of Service Tax@12.36% w.e.f. 01.04.2012) BASIC SERVICE CHARGES RELATING TO DEPOSIT ACCOUNTS (ALL SEGMENTS) DEBIT CARD RELATED CHARGES ELECTRONIC TRANSFER CHARGES (ALL SEGMENT) RTGS/NEFT/ECS CHARFGES PERSONAL SEGMENT ADVANCE RELATED SERVICE CHARGES ADVANCES RELATED SERVICE CHARGES (OTHER THAN P SEGMENT) GOVERNMENT BANKING: CHARGES FOR e-FREIGHT FACILITY TO CUSTOMERS FOREIGN EXCHANGE RELATED SERVICE CHARGES
B. C. D. E. F. G. H. I.
* Conditions apply

9. BASIC SERVICE CHARGES RELATING TO DEPOSIT ACCOUNTS (ALL SEGMENTS) Issue of MICR cheque SB (Only Multi-city/CTS2010 standard cheques will be issued. Issue of MICR cheque CA/CC (Only Multi-city/CTS2010 standard cheques will be issued Quarterly Average Balance (QAB)-Non Maintenance chargesCurrent Account (All Segments) Rs.2.00 per cheque leaf. First 50 leaves Multicity Cheque book free. Emergency Cheque request (10 leaves set): Rs.2/-per leaves. Rs.2.00 per cheque leaf. First 100 leaves Multicity Cheque book free. Emergency Cheque request (10 leaves set): Rs.2/- per leaves Rs.611/quarter per
1.
2.
3.

Per Segment -NIL SME, C&I & AGL Segment - Urban/ Metro/SU Rs.204/- per quarter Rural Rs.102/- per quarter NIL Rs.102/- with latest balance, additional Rs.102/- per 40 entries, for previous entries. Monthly Statement of Current Account/CC Account- NIL Rs. 51/per instrument up to 3 leaves. Range of Cheques Rs.204/NIL Within 14 days:NIL Beyond 14 daysupto 6 months: Rs.255/(individual),Rs. 1019/-(Company) After 6 months but before 12 months: Rs.153/(Individual), Rs.509/-(NonIndividual) Rs.102/-(inclusive of postal charges). Cheque returned charges (for insufficient fund only) Cheques drawn on us. (Local /Outstation) (Outward & Inward clearing Cheque return charges-cheque drawn on us (for technical reason, other than link/system/power failure) Cheque upto Rs.1.00 lacs: Rs.102/-+Out of pocket expenses, if any. Cheque above Rs.1.00 lacs: Rs.204/-+ Out of pocket expenses, if any.
4.
Quarterly Average Balance (QAB)-Non Maintenance chargesSavings Bank account
1 1.
5.
Issue of Pass book
1 2.
Rs. 76/+ Other Banks charges
6.
Duplicate Pass book/Statement
7. 8.
Stop payment instructions Balance enquiry
1 3.
Cheque/bills deposited with us:returned unpaid by other banks (Local/Outstation) .
Account closure: ** 9. ** to be recovered manually.
1 4. 1 5. 1 6. 1 7. 1 8. 1 9. 2 0. 2 1.
Signature verification** Balance Certificate** Interest Certificate** No dues certificate** Presentation of Usance Bills** Photo Attestation charges** Record copy of the cheque** Enquiries relating to old records. (more than 12 months)**
1 0.
Transfer of Account( SB/CA)**
Cheque/bill upto Rs.1.00 lacs: Rs.102/-+Out of pocket expenses, if any. Cheque/bill above Rs.1.00 lacs: Rs.204/-+ Out of pocket expenses, if any. Rs.102/per instance. Rs.102/per instance. Rs.102/per instance. Priority sector No charges. Others Rs.102/per certificate Rs.102/per instance. Rs.102/per instance. Rs.102/per instance. Rs.102/- per item.

Non - Commercial:Rs.306/Commercial:Rs.255/- per lacs, Min.1019/Max.Rs.15280/Ordinary: Rs.15/Regd/Speed post/courier: Rs.36/Rs.25/Rs.25/NIL Upto one bundle( 1000 pieces) : NIL More than one bundle: Rs.102/per bundle, max.Rs.10187/Rs.509/SB a/c - NIL C A/c: Linked to AQB Rs.5/- per entry. (For entries over 30 per year) (Other than alternate channel/ATM txn. Other than SBI ATMs).
Setting
2 2.
Solvency certificate**
2 3. 2 4. 2 5. 2 6.
Postal charges** Failed S.I.** Failed EMI charges** Issue of Deposit at Call receipt (payable at branch) Cash Handling charges for CA/CC account (other than P seg. customer)** Allowing operations through Power of Attonerny/Mandate* *
3 1.
2 7.
3 2
2 8. 2 9.
Inoperative account Charges for excess debit entries in SB
up of Standin g Instructi on (SI) includin g SI for other than Bank transfer ** Processing of SI (other than Bank transfer s)** Remittance & Collecti on Facility
Rs.51/-
Rs.25/-+ remittance charges + postage.
3 0.

Upto 5,000/Rs.25/Above Rs.5,000/upto Rs.10,000/Rs.41/Above Rs.10,000/upto Rs.1.00 lacs: Rs.3/-per1000/or part thereof, Min Rs.51/Above Rs.1.00 lac: Rs.3/- per 1000/-or part thereof. Min.Rs.306/- and Max. Rs.12733/For remittances by cash deposit, cash handling charges will be extra or Rs.10/- per draft, whichever is higher. Upto Rs.5,000/Rs.51/- +$ Above Rs.5,000/3 6. upto Rs.10,000/Rs.76/- +$ Above Rs.10,000/Rs. 6/- per 1000/Min. Rs.102/Max.12,733/- + $ Note: $ = out of pocket expenses
Collection Bills
of
Issue
3 3.
of Demand Draft/ Bankers Cheque
**
to be recover ed manuall y
Upto Rs.5,000/Rs.28/Above Rs.5,000/upto Rs.10,000/Rs.56/AboveRs.10,000/upto Rs.1.00 lac Rs.112/AboveRs.1.00 lacs uptoRs.5.00 lac Rs.225/AboveRs.5.00 lacs uptoRs.10.00 lac Rs.253/Above Rs.10.00 lacs Rs.281/-(Max)
3 4.
3 5.
Revalidation/ca ncellatio n of drafts/B ankers cheque* * Issuance of duplicat e demand draft/Ba nkers cheque* *
Rs.102/3 7.
Collection of Outstati on Cheques

(inclusive of postage and out of pocket expenses.)
Rs.102/- per draft
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Interest @50 paise %+ collection charges+ out of pocket expenses. In case, cheque returned unpaid, interest @16% p.a. after adjusting the amount collected @50paise %.
DD
3 8.
Purchase Outstati on cheque
3 9.
Collection of cheques under Speed Clearing System for SB a/c custome r. (inclusi ve of postag e and out of pocket expens es.)
Upto and Including Rs.1.00 lac: NIL AboveRs.1.00 lacsuptoRs.5.00 lac Rs.197/AboveRs.5.00 lac ptoRs.10.00 lac Rs.225/AboveRs.10.00lac Rs.253/4 0.
Collection of cheques under Speed Clearing System for CA and other custome rs: (inclusi ve of postag e and out of pocket expens es.)
Payment of Deposit receipts to another bank
Upto Rs.1.00 lac: Rs.22/AboveRs.1.00lacsu ptoRs.5.00 lac Rs.197/AboveRs.5.00lacupt oRs.10.00 lac Rs.225/AboveRs.10.00lac Rs.253/-
Local Charges as applicable for Bankers Cheque outstation charges as applicable to remittances.
10.
DEBIT CARD RELATED CHARGES
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1. ATM cum debit card ATM cum Debit Card Annual Maintenance fee from the second year of issuance Card Replacement Charge Duplicate PIN/Regeneration of PIN ATM card/PIN/KIT returned by courier due to wrong address Transaction charges for ATM usages At SBI Group ATMs At other Bank ATMs linked to National financial Switch (NFS) Up to 5 transactions in a month in savings account as stipulated by Reserve Bank of India Beyond 5 transactions in saving account AND accounts other than savings account Financial Transactions Non-Financial Transactions Normal NIL Platinum Debit Card: Rs.306/Rs. 102/Rs.204/Rs.51/Rs.51/7. Transaction charges for other services on SBI ATMs: Utility Bill Payment All Temple Trust Donations Fee Payment for Educational Institutions. Mobile Top-ups Card to card transfer
2. 3. 4. 5.
Free
8. Free
On line request for Draft Issue (till 31.03.2012)
Free 9. eZ-Pay card:
6.
Upto Rs.10,000/: NIL Above Rs.10,000/upto Rs.1.00 lac : Rs.50/Above Rs.1.00 lac : Rs.100/Issuance fee: Rs.102/Reloading charges: Rs.10/Replacement of card/PIN : Rs.102/Refund of unspent amount at SBI Branches; Rs.102/Issuance fee: Rs.102/Replacement Card: Rs.102/Issuance fee: Rs.112/Add on Card(Max 2) Rs.112/Reloading charges: Rs.56/-
Rs 17/10. Rs 6/Gift Card
11.
Vishwa Yatra Foreign Travel Card
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OTHER CHARGES IRCTC Fee(on SBI 1. Payment gateway) Online Air ticket booking through 2. merchant site for Rs.10/Indian Airlines/Air Deccan Income Tax, Service Rs.50/- per 3. Tax and Excise duty transaction. payment On line Custom Duty NIL payment, Central Railway Freight NIL 4. Collection, Collection Module for Corporates. In addition, no charges has been proposed for (i) Kerala State Govt.Tax collection(ii) Payment of Relaiance Bill through Reliance handset( iii) Mumbai Port Trust Merchant Login(iv) On-line share trading with MOSL(v) Pull method of e-collection(vi)Internet based Express Vendor discount scheme(vii) e-collection module(viii) IIT,NITR Rourkela etc. funds from bank to bank as well as from remitters account in a particular bank to the beneficiarys account in another bank across the country. 1.RTGS: An electronic payment system in which payment instructions between banks are processed and settled individually and continuously, on a real time basis, throughout the day. Available for transaction value of Rs.2.00 lacs and above. 2.NEFT : Another electronic payment system in which payment instructions between banks are processed and settled on deferred net settlement (DNS) basis at fixed times during the day. There is no minimum or maximum stipulated transaction value for using this facility. Note :RTGS and NEFT systems work on all days except on Sundays and common National Holidays across the states. Information Required for transfer of Funds Amount to be remitted Account no. to be debited Name of the beneficiary bank Name of the beneficiary customer Account no. of the beneficiary customer Sender to receiver information, if any IFSC code of the receiving branch .(IFSC Code is printed on cheque leaves.) These facilities are available at all our Core Banking branches .For further details, please contact our nearest branch or contact New Businesses Department at Corporate Centre,
RTGS/NEFT [Print Page]

Real Time Gross Settlement System
(RTGS)& National Electronic Fund Transfer system (NEFT) Bank offers Real Time Gross Settlement System (RTGS) & National Electronic Fund Transfer system (NEFT) which enables an efficient, secure, economical and reliable system of transfer of
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SBI TERM DEPOSIT
Key features:
Period of deposit from 7 days to 10 years. Deposit Amount: Minimum: Rs.1000/-, Maximum: No limit Payment of interest at Monthly/Quarterly/Calendar quarter basis as per requirement. Payment of interest on monthly interval will be at discounted rate. TDS will be deducted when interest is paid or accrued or reinvested per customer, per branch, exceeds Rs. 10,000 in a financial year. Loan/overdraft up to 90% of term deposit amount. Interest rate will be charged at 0.50% over the rate paid on the deposit.
PERSONAL BANKING [Print Page]
Welcome to SBI's Retail Banking State Bank of India offers a wide range of services in the Personal Banking Segment which are indexed here. Click on each of them to access the details. Our products are designed with flexibility to suit your personal requirements. Enjoy 24 hour facility through our ATMs - growing speedily it has crossed the 21000 mark Watch this space for more details.
Premature Withdrawal For single deposit of Rs. 15 lacs and above but below Rs. 1 Crore, there shall be no penalty for premature withdrawal of deposits with tenure below 1 year provided the deposit has remained with the bank for at least 7 days.. In other cases, the interest shall be paid at 0.50% below the interest rate applicable for the period the deposit had remained with the Bank or 0.50% below the contracted rate, whichever is lower. However, no interest will be paid if the deposit had remained for less than 7 days.
SBI Term Deposits SBI Recurring Deposits
SBI Loan For Pensioners Loan Against Mortgage Of Property Loan Against Shares & Debentures Rent Plus Scheme
SBI Housing Loan
SBI Car Loan SBI Educational Loan SBI Personal Loan
Medi-Plus Scheme
Rates Of Interest
e-Invest (ASBA) - IPO
Automatic renewals will take place only where there is no maturity instructions recorded at the time of opening the Term
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Deposit account or before maturity of deposit. Most Important Terms & Conditions Minimum period 12 months maximum 120 months. Rate of interest as applicable to Banks TDR / STDR for the period of the RD. Loan / Overdraft up to 90% available against the balance in RD account. TDS is not applicable. Most Important Terms & Conditions 1. Monthly Rs. 100/- no maximum. b) Deposit in Multiple of Rs.10/2. Minimum period 12 months maximum 120 months 3. Rate of interest as applicable to Banks TDR / STDR for the period of the RD 4. Premature withdrawal allowed at 0.5% below the rate applicable for the period the deposit has remained with the Bank 5. Loan / Overdraft facility available against the balance in RD account 6. Penalty charges for non-Deposit of monthly instalments: a. For a/c of period 5 years and less --Rs. 1.50 per Rs. 100/- per month b. For a/c of period above 5 years- Rs. 2.00 per Rs. 100/- per month 7. No Cheque Book / ATM Card will be issued 8. Passbooks are issued 9. Nomination facility available
1. Interest will be paid at the contracted rate irrespective of change in the rate thereafter. 2. Period of deposit 07 days to 10 years. 3. Loan / overdraft up to 90% of the deposit amount at 0.50% above the TDR rate. 4. Premature withdrawal facility available at 0.50% below the interest rate applicable for the period the deposit had remained with the Bank or 0.50% below the contracted rate, whichever is lower. No penalty for a single deposit of Rs. 15 lacs and above but below Rs. 1 Crore and having tenure below 1 year. However no interest will be paid if the deposit had remained for less than 7 days. 5. Quarterly compounded Interest. 6. Interest can be paid on monthly intervals on discounted rate. 7. Interest can also be paid at Calendar quarter basis. 8. TDS at prevalent Income tax rate is deducted if Form 15G/15H not submitted. 9. Auto renewal is exercised if maturity instructions are not given. 10. Permission to convert TDR to STDR and vice versa required. 11. Nomination facility available.
RECURRING DEPOSIT
Key features Monthly deposits of Minimum Rs.100/- no maximum.
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2. Maximum balance in the a/c with all other deposits accounts should be Rs. 10,000/-. 3. When the balance exceeds Rs. 10,000/-, Normal SB a/c rules and charges will apply. 4. No minimum balance stipulation but at the time of opening a/c Rs. 50/- minimum deposit.
BASIC BANKING -NO FRILLS ACCOUNT [Print Page]

This account comes with very zero balances as well as low/ nil charges, to cater to the needs of individuals from the vast sections of population who are, otherwise, not fulfilling certain conditions of our existing Savings Bank account requirements. Eligibility: Individuals of 18 years and above earning a gross income of Rs.5000/- p.m or less. (self declaration) Initial deposit amount: Rs.50/- to open the account Maximum balance/ amount: Rs.10,000/-, being the total value of business connection of the account holder, including other deposit accounts. Rate of interest: As applicable to Savings Bank account Cheque/ATM facility: Available. Internet Banking facility: Not available Most Important Terms & Conditions 1. Individuals 18 years & above with monthly income of Rs.5000/- or less.
5. Cheque Book facility available. 6. ATM-cum-Debit Card issued free of cost in the 1 st year. 7. Nomination facility available. 8. Interest payable on daily balance basis.
KNOW YOUR CUSTOMER (KYC) GUIDELINES [Print Page]

Documents required for opening deposit accounts: The Customer identification will be done on the basis of documents provided by the prospective customer as under, a) Passport or Voter ID card or Pension Payment Orders (Govt./PSUs) alone, whereon the address is the same as mentioned in account opening form. b) Anyone document for proof of identity and proof of address, from each of the under noted items Proof of identity i) Passport, if the address differs from the one mentioned in the account opening form
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ii) Voter ID Card, if the address differs from the one mentioned in the account opening form iii) PAN Card iv) Govt. / Defence ID card v) ID cards of reputed employers vi) Driving License vii) Pension Payment Orders (Govt./PSUs), if the address differs from the one mentioned in the account opening form viii) Photo ID Card issued by Post Offices viii) Photo identity card issued to bonafide students of Universities/ Institutes approved by UGC/ AICTE Proof of address i) Credit card statement ii) Salary slip iii) Income tax /wealth tax assessment iv) Electricity bill v) Telephone bill vi) Bank account statement vii) Letter from a reputed employer viii) Letter from any recognized public authority ix) Ration card x) Copies of Registered leave & license agreement/Sale Deed/Lease Agreement may be accepted as proof of address xi) Certificate issued by hostel and also, proof of residence incorporating local address, as well aspermanent address issued by respective hostel warden of aforesaid University/institute where the student resides, duly countersigned by the Registrar/Principal/Dean of Student Welfare.Such accounts should be closed on completion of education/ leaving the University/ Institute. xii) For students residing with relatives, address proof of relatives along with their identity proof, can also be accepted provided declaration is given by the relative that the student is related to him and is staying with him. Small Deposit Accounts: Branches may open accounts for those customers who are in no position to submit the above mentioned documents provided they intend to maintain balances not exceeding Rs. 50,000/(Rupees Fifty Thousand only) in all their accounts b) taken together and the total credit summation in all the accounts taken together is not expected to exceed Rs.1,00,000/- (Rupees One Lac only) in a year, subject to: a) Introduction from another account holder who has been subjected to full KYC procedure. The introducers account with the bank should be at least six months old and should show satisfactory transactions. Photograph of the customer who proposes to open the account and also his address needs to be certified by the introducer. (OR) At villages, Kisan Bahi/Kisan Passbook issued by revenue authorities and containing photograph/address of the land holder will be accepted. Any other evidence as to the identity and address of the customer to the satisfaction of the bank.
c)
However, if at any point of time, the balances in the accounts of such customers with the Bank (taken together) and the total credit summation exceed the above threshold, no further transactions will be permitted until full KYC procedures are completed.
SAVINGS BANK ACCOUNT [Print Page]

Key features: No Minimum Balance requirement. Personal Accident Insurance of Rs. 4 lacs available at an annual Premium of Rs. 100/ Earn Interest at 4.00% p.a. Transferability of accounts
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Multicity cheques available. Internet Banking, Mobile Banking, Kiosk Banking available. Safe Deposit lockers available. 3. Internet Banking and Mobile Banking Free Interest is calculated on a daily balance 4. Yuva Card (Visa), which have many concessionary/ 1. Eligibility Residents, above 18 years of age and upto 30 years of age, at the time of entry. 2. Minimum AQB NIL
YUVA SAVINGS BANK ACCOUNT [Print Page]

It is a special Savings Bank product for the youths. Eligibility Residents, above 18 years of age and upto 30 years of age, at the time of entry. Account to continue as it is, even if the account holder attains the age of 30 years. ATM- cum-Debit card facility Yuva Card (Visa), which have many concessionary/ complementary facilities, will be issued free of cost. Remittance/ collection o One draft / Bankers Cheque will be issued free, per calendar month, favouring Educational Institutions or for applying jobs. o Free collection of one cheque, with a ceiling of Rs. 20,000/- per month. Other Facilities As applicable to Normal Savings Bank Account. Most Important Terms & Conditions
complementary facilities, will be issued free of cost. 5. One draft / Bankers Cheque will be issued free, per calendar month, favoring Educational Institutions or for applying for jobs*. 6. Free collection of one cheque, with a ceiling of Rs. 20,000/- per month*. 7. 50 Multicity cheque leaves (plus cheques given along with welcome kit) free in the first instance thereafter Rs. 2/- is charged for each subsequent leaf. 8. Nomination facility available *These facilities will be provided at Home Br.
ASBA [Print Page]

ASBA is a supplementary process for applying in public issues. ASBA facility can be used for Initial and Follow-on Public Offers (IPO and FPO), Rights Issues, and Debt Issues. Under ASBA, funds will continue to earn interest during the application processing period, if held in an interest bearing account. Bank will mark a lien on the deposit account of the investor to the extent of the application money. The lien will be removed immediately after finalization of the basis of allotment. If bid is successful, the deposit
18

account will be debited and the alloted shares will be transferred to the applicants Demat account. An Investor can apply through ASBA, provided he/she: ? is from any of the approved categories eligible to apply in IPO as per SEBI guidelines. ? maintain a Savings Bank or Current Account with SBI. ? has a Demat account with any of the DPs along with Permanent Account Number (PAN). ONLINE ASBA facility ? User can apply electronically without the need of any physical application form. Internet Banking users should log on to www.onlinesbi.com and go to e-services> IPO (Equity) ASBA or IPO (Debt) ASBA option. It is not necessary to have a Demat account with SBI for applying through ASBA. Customer having Demat account with other entities can also apply through the SBI- ASBA facility. ? All SBI customers, irrespective of the branch where they maintain account, can apply through Internet Banking. Any SBI customer, who has a Savings or Current Account, can register for Internet Banking facility and apply for ASBA. Capital Market Branch, Mumbai is the Nodal Branch for ASBA. Most Important Terms & Conditions Equity:? A Retail Individual Investor (Individual, HUF, Trust, Employee or shareholder who applies up to Rs 200,000/-) can also modify, revise or delete the bid within the bidding period. ? Investors from all other categories cannot withdraw / delete the application and can modify / revise the bid only for a higher amount. ? Multiple applications by a single investor are not allowed, however an investor can make 5 applications from a single deposit account in the name of different persons. Debt:? Multiple applications by a single investor are allowed. ? An investor can withdraw the application during the bidding period but cannot modify the application. ? An Investor can make 5 applications from a single deposit account in the name of different persons. 1. An investor should be from the approved category as per SEBI guidelines. 2. An investor should maintain a Savings Bank or Current Account with SBI. 3. An investor should have Demat account with any of the DP. 4. An investor should have Permanent Account Number (PAN). 5. An investor should have sufficient clear credit balance in the Savings Bank or Current account for application money.
? has sufficient clear credit balance in his/her Savings Bank or Current account for application money. ASBA facility is not available on any type of overdraft or loan accounts. Important Points
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Online Western Union Money Transfer (Account Based Money Transfer) Recipient of Western Union money can now transact online. Users of our internet banking facility can logon to www.onlinesbi.com and transfer the money directly to their deposit account after receiving Money Transfer Control Number from the sender. We have provided a Western union Money Transfer link under payment/ transfer tab in onlinesbi.
WESTERN UNION MONEY TRANSFER [Print Page]

State Bank of India is the Principal Agent of Western Union Financial Services for paying inward remittances deposited in overseas offices/ locations of Western Union. This arrangement is governed by MTSS guidelines of Reserve Bank of India, which are as follows: Only personal remittances shall be allowed under this arrangement. Donations/contributions to charitable institutions/trusts, trade related remittances, remittance towards purchase of property, investments or credit to NRE Accounts shall not be made through this arrangement. A cap of USD 2500 has been placed on individual remittance under the scheme. Amounts up to Rs.50,000/- may be paid in cash to a beneficiary in India. Any amount exceeding this limit shall be paid by means of account payee cheque/ demand draft/ payment order, etc. or credited directly to the beneficiary's bank account only. However, in exceptional circumstances, where the beneficiary is a foreign tourist, higher amounts may be disbursed in cash. Only 30 remittances can be received by a single individual beneficiary under the scheme during a calendar year.
Most Important Terms & Conditions 1. Only inward remittance from WU is permitted, no outward or domestic transfers are permitted. 2. The Receiver is required to submit Photo ID and Address proof as per KYC norms. 3. The spelling of the Receiver name on the ID or bank account should be same as given by the sender. 4. It is not necessary to have a deposit account in the bank for receiving the money except for Account Based Money Transfer. 5. Bank does not charge any commission for the transaction from the receiver.
The facility is available at more than 10000 branches in India
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BRIGHT BANKING SERVICES AND CONSULTANCY SERVICES

FOREIGN INWARD REMITTANCE [Print Page] Drafts in Indian rupees can be

Telegraphic or wire transfers can be

Cheques can be deposited for credit of

your accounts. These will be collected and credited to your accounts.

Travelers cheques can be tendered by

STATE BANK MOBICASH [Print Page]

If your branch is SWIFT enabled [Click

For speedy credit to accounts from

State Bank MobiCash (SBMC) A FULL KYC Mobile Wallet

MAGNETIC INK CHARACTER RECOGNITION (MICR) [Print Page]

BRIGHT BANKING SERVICES AND CONSULTANCY SERVICES

BRIGHT BANKING SERVICES AND CONSULTANCY SERVICES

ATM SERVICES [Print Page]

BRIGHT BANKING SERVICES AND CONSULTANCY SERVICES

BRIGHT BANKING SERVICES AND CONSULTANCY SERVICES

i) Cash Withdrawals(per day) :

India Minimum Rs. 100 Maximum

BRIGHT BANKING SERVICES AND CONSULTANCY SERVICES

8. SERVICE CHARGES & FEES W.E.F. 01.01.2013

BRIGHT BANKING SERVICES AND CONSULTANCY SERVICES

BRIGHT BANKING SERVICES AND CONSULTANCY SERVICES

Quarterly Average Balance (QAB)-Non Maintenance chargesSavings Bank account

Issue of Pass book

Rs. 76/+ Other Banks charges

Duplicate Pass book/Statement

Stop payment instructions Balance enquiry

Cheque/bills deposited with us:returned unpaid by other banks (Local/Outstation) .

Account closure: ** 9. ** to be recovered manually.

Transfer of Account( SB/CA)**

BRIGHT BANKING SERVICES AND CONSULTANCY SERVICES

Inoperative account Charges for excess debit entries in SB

Rs.25/-+ remittance charges + postage.

BRIGHT BANKING SERVICES AND CONSULTANCY SERVICES

of Demand Draft/ Bankers Cheque

Collection of Outstati on Cheques

Rs.102/- per draft

BRIGHT BANKING SERVICES AND CONSULTANCY SERVICES

Purchase Outstati on cheque

DEBIT CARD RELATED CHARGES

BRIGHT BANKING SERVICES AND CONSULTANCY SERVICES

On line request for Draft Issue (till 31.03.2012)

Free 9. eZ-Pay card:

Rs 17/10. Rs 6/Gift Card

Vishwa Yatra Foreign Travel Card

BRIGHT BANKING SERVICES AND CONSULTANCY SERVICES

RTGS/NEFT [Print Page]

BRIGHT BANKING SERVICES AND CONSULTANCY SERVICES

PERSONAL BANKING [Print Page]

SBI Term Deposits SBI Recurring Deposits

SBI Housing Loan

SBI Car Loan SBI Educational Loan SBI Personal Loan

e-Invest (ASBA) - IPO

BRIGHT BANKING SERVICES AND CONSULTANCY SERVICES

BRIGHT BANKING SERVICES AND CONSULTANCY SERVICES

BASIC BANKING -NO FRILLS ACCOUNT [Print Page]

KNOW YOUR CUSTOMER (KYC) GUIDELINES [Print Page]

BRIGHT BANKING SERVICES AND CONSULTANCY SERVICES

SAVINGS BANK ACCOUNT [Print Page]

BRIGHT BANKING SERVICES AND CONSULTANCY SERVICES

YUVA SAVINGS BANK ACCOUNT [Print Page]

ASBA [Print Page]

BRIGHT BANKING SERVICES AND CONSULTANCY SERVICES

Account closure: 9. to be recovered manually.