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State Bank of India is the bank of choice for Indians wherever they live. With its vast network of over 15,000 domestic branches, 69 dedicated NRI Branches in India, 186 Foreign Offices in 34 countries, Correspondent Banking relations with over 400 global banks and tie up with 26 Exchange Houses and 5 Banks across Middle East, NRIs can enjoy anywhere anytime banking facilities. The product suite for NRIs ranges from Bank Deposits, Loans and Remittances to Investments, Online Equity Trading, Structured Products, Mutual Funds and Insurance.

A Non Resident Indian (NRI) as per FEMA 1999 is an Indian citizen or Foreign National of Indian Origin resident outside India for purposes of employment, carrying on business or vocation in circumstances as would indicate an intention to stay outside India for an indefinite period. An individual will also be considered NRI if his stay in India is less than 182 days during the preceding financial year. A Person of Indian origin (PIO) is a citizen of any country other than Pakistan or Bangladesh, if a) he/she at any time held an Indian Passport; or b) he/she or either of his/her parents or any of his/her grandparents was a citizen of India by virtue of the Constitution of India or the Citizenship Act 1955 (57 of 1955); or c) The person is a spouse of an Indian Citizen or a person referred in above (a) or (b) clauses.

HOW TO OPEN NRI ACCOUNTS WITH A BRANCH IN INDIA To open an NRE account please complete the account opening form and mail it to the branch of your choicealongwith ; Your Passport copy Visa/residence permit 2 photographs initial



signature may be verified by anyone of the following; Indian Embassy/consulate Any person known to the Bank Notary public Any of our offices


You can open NRE Saving Bank a/c / Current Accounts Fixed Deposits in Indian Rupees Fixed Deposits in Foreign Currency NRO accounts (Rupee accounts for crediting income inIndia )

You can authorise a resident to operate your account through a Power of Attorney or Letter of Authority Nomination Facility available (Nominee can be a resident Indian also)


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Overview of NRE Accounts: Account Type: Savings Bank / Current Account / Term Deposit / Special Term Deposit / Recurring Deposit. Credits will be the form of: o o o Remittances from abroad. Transfer from other NRE / FCNR accounts. Foreign exchange brought to India.

Account can be opened jointly with other NRIs. Bank deposits are free from wealth tax in India. Interest earned on NRE accounts is exempt from Indian income tax.

NRE Savings Bank A/C Only for non-resident Indians (NRIs). Can be a joint account with another NRI (In case the joint account holder is your spouse, she / he should also be an NRI). Minimum balance Rs.1000/- (Rs. 5000/- in case of Personal Banking Branches)

Permissible Credits Remittances from abroad through banking channel. Personal cheques drawn on foreign account(s). Proceeds of Foreign Currency Notes / Travelers cheques tendered by NRI, while visiting India. Drafts issued by bank / exchange companies abroad. Transfer from another NRE account. Interest / dividend / maturity proceeds of investments made in India on repatriable basis.

Note: Amounts in excess of $ 5000 (or equivalent) in currency or $ 10,000/- (or equivalent) in Travelers cheques should be accompanied by a Currency Declaration Form. Multi-City Cheque (MCC) facility for NRIs: A Multi-City Cheque (MCC) is one that can be written by the customer in favour of his client and is payable at par at all branches in India of the Bank. MCC can be issued in cheque operated accounts (SB and Current), in addition to normal cheque books. The MCC facility is to be used only for genuine transactions / bonafide remittances. No cash payments will be made to third parties at other branches. The upper limit for issue of MCCs is Rs.5 lacs. The issue charges for MCC are Rs. 3 per cheque leaf and will be debited from the account at the time of issue of the cheque book. There are no transaction charges.

NRE Term Deposits Rupee deposits of fixed tenure. Minimum period of 1 year. Maximum period of 10 years. Interest paid quarterly on Term Deposit Receipts (TDRs). Principal & interest amount are fully repatriable. Premature withdrawals permitted (conditional): o On pre-mature withdrawal of the Deposit (after completion of 1 year), interest will be calculated at applicable rate for the period the Deposit has actually remained with the Bank less applicable penalty as under:NRE term deposits opened Before 01st January, 2012 From 01st January, 2012 Penalty 1% 0.50%*

* The interest paid shall be 0.50% below the rate applicable for the period deposit has remained with the Bank or 0.50% below the contracted rate, whichever is lower. o No interest is payable if the deposit is withdrawn before one year.

Recurring Deposits Want to create a fund for your children's education or marriage or to buy a house or for a dream holiday? Whatever may be your financial goals, through our Recurring Deposit Scheme, you can save a little every month so that at the time of need you have sufficient funds to achieve your financial goals. So, set aside a small amount every month and earn at compounded rates of interest. Flexibility in period of deposit with maturity ranging from 12 months to 120 months Attractive interest rates.

Interest income is tax free in India You can avail a loan/overdraft against your deposit Premature withdrawal allowed Minimum monthly installment of Rs.1000/-

Special Term Deposits Deposit your money for a period of 1 year and up to 10 years. Get a two-fold income, with interest both on your deposit and on the interest accrued on it. Invest in an affordable/very low Minimum Deposit Amount of Rs. 1000/- only. Enjoy higher returns with compounded interest every quarter. Open a Special Term Deposit at any branch of ours. Access your accounts 24X7 from anywhere in the world, with our Internet Banking facility. Avail nomination facility for your deposits.

Tax Implications As per the current regulations, interest income is exempt from income tax in India. Automatic Renewals No need to track maturity of your deposits. Automatic renewal on maturity, if there are no instructions for renewal. Earn interest for same period as that of your matured deposit, at the interest rate prevailing on the date of maturity.

Flexibility Convert your Term Deposit to a Special Term Deposit, and enjoy compounded rate of interest to multiply your money faster. Convert your Special Term Deposit to a Term Deposit to receive monthly / quarterly interest payments to handle your financial requirements.

To open an NRE account with a branch in India:

1. Click here to download the account opening form. 2. Fill up the account opening form and send it to the branch of your choice with the
following documents: o o o Two passport size photographs attested by you. Passport & Residence Visa / ID Card Copies duly attested by Banker / Notary Public / Indian Embassy / A person known to the Bank. Initial remittance.

Signature in the account opening form verified by any one of the following : Indian Embassy / Consulate / High Commissioner. Your bank abroad. A person known to the Bank. Notary Public.

3. Enclosures (any two of the following):

o o o o o Cheque drawn on bank account abroad. Latest Overseas Bank statement in original. Copy of Telephone / Electricity Bill. Cancelled paid cheque of your Overseas Bank A/c. Copy of Proof of Drawing Income / Employee ID / Labour Card.

Interest Rates: Click here for Interest Rates. Other Facilities: International Debit Card. Internet banking. Add-on SBI ATM Card.


NRE FIXED DEPOSITS (w.e.f. 07th June 2013) Tenor 1 year and up to 10 years For all amounts including Bulk Deposits 8.75%


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NRO FIXED DEPOSITS (w.e.f. 07th June 2013) Tenor 7 days to less than 1 year 1 year and up to 10 years Below Rs. 1 Crore 6.50% 8.75% Rs 1 Crore & above 7.25% 8.75%

FOREIGN CURRENCY NON-RESIDENT DEPOSITS (FCNR(B)) (% P.A.) w.e.f 01/08/2013 CURRENCY USD GBP EURO CAD AUD PERIOD OF THE DEPOSIT RATE YIELD* RATE YIELD* RATE YIELD* RATE YIELD* RATE YIELD* 1 year and above but < 2 years 2.67 2.76 2.86 2.96 2.47 2.55 3.37 3.51 4.48 4.70 2 years & above, but < 3 years 2.48 2.60 2.71 2.84 2.56 2.68 3.55 3.77 4.65 5.00 3 years & above, but < 4 years

3.78 4.10 3.87 4.20 3.74 4.05 4.78 5.28 5.89 6.64 4 years & above, but < 5 years 4.17 4.65 4.11 4.58 3.96 4.40 5.03 5.73 6.19 7.24 5 years 4.56 5.14 4.41 4.95 4.20 4.69 5.26 6.02 6.42 7.55 CURRENCY JPY CHF DKK NZD SEK PERIOD OF THE DEPOSIT RATE YIELD* RATE YIELD* RATE YIELD* RATE YIELD* RATE YIELD* 1 year and above but < 2 years 2.41 2.49 2.24 2.31 2.62 2.71

4.91 5.17 3.28 3.41 2 years & above, but < 3 years 2.28 2.38 2.20 2.29 2.79 2.93 5.37 5.83 3.45 3.66 3 years & above, but < 4 years 3.32 3.57 3.34 3.59 3.97 4.32 6.71 7.67 4.67 5.15 4 years & above, but < 5 years 3.38 3.70 3.52 3.87 4.21 4.70 6.97 8.31 4.89 5.55 5 years 3.46 3.80 3.73 4.12 4.44 4.99 7.18 8.60 5.11 5.83 * Annualised yield at the end of the period. FOREIGN CURRENCY NON-RESIDENT DEPOSITS (FCNR(B)) (% P.A.) w.e.f 01/08/2013 CURRENCY USD GBP EURO CAD AUD

PERIOD OF THE DEPOSIT RATE YIELD* RATE YIELD* RATE YIELD* RATE YIELD* RATE YIELD* 1 year and above but < 2 years 2.67 2.76 2.86 2.96 2.47 2.55 3.37 3.51 4.48 4.70 2 years & above, but < 3 years 2.48 2.60 2.71 2.84 2.56 2.68 3.55 3.77 4.65 5.00 3 years & above, but < 4 years 3.78 4.10 3.87 4.20 3.74 4.05 4.78 5.28 5.89 6.64 4 years & above, but < 5 years 4.17 4.65 4.11 4.58 3.96 4.40 5.03 5.73 6.19 7.24 5 years 4.56

5.14 4.41 4.95 4.20 4.69 5.26 6.02 6.42 7.55 CURRENCY JPY CHF DKK
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RESIDENT FOREIGN CURRENCY A/C. (RFC ) w.e.f 01/08/2013 PERIOD 1 year and above but less than 2 years 2 years and above but less than 3 years 3 years USD GBP EURO




2.48 3.78

2.71 3.87

2.56 3.74


0.50% over the rate paid on the relative Time Deposits offered as security.

Loan against NRO and NRE Fixed Deposits

Loan against security of FCNR (B) Deposits

2.25 % over Banks Base Rate* (12.00% p.a. currently)

*Banks Base Rate is 9.75 % p.a. (w.e.f. 18th September 2012) and subject to change.


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State Bank Gift Card

Presenting Gifts to Employees and also to near and dear ones during festive season or on special occasions is an integral and unique culture in India. Traditionally, gifts have been given in the form of cash or kind. With the advancement of Banking, Gift Cheques were introduced, allowing the beneficiary to use the money according to their wishes. These cheques, however, are accepted at the issuing bank branches only. The State Bank Gift Card, issued in association with VISA International, is one such product which gives the comfort of convenience and wide acceptability. State Bank Gift Card is a Pre-paid Plastic Card supported by Magnetic-strip based technology. It is usable at all VISA enabled Merchant Establishments at Point of Sale by signature and over Internet for e-Commerce transactions by using secure Verified by Visa. It is a perfect substitute for Gift Vouchers sold by many retail houses as its use is not restricted to any particular Merchant. Features: Currency of Issue Indian Rupee only All State Bank of India Branches and also available online through SBI Internet Banking for all SBI customers availing Internet Banking facility. State Bank Gift Card is not reloadable Rs. 500 and thereafter in multiples of Re. 1/Rs. 50,000/State Bank Gift Cards can only be used at VISA enabled Merchant Establishments at Point of sale and over Internet for e-Commerce transactions by using secure Verified by Visa. Facility of cash withdrawal is not available on this Card.


Re-load Minimum Amount of Issue Maximum Amount of Issue


Balance enquiry

Validity of Card Daily Transaction Limit Personalized Cards

Cardholder can view the balance in the State Bank Gift Card and also obtain a transaction receipt indicating the balance from any State Bank Group ATM in India free of cost and also online at The validity of the card is for 1 yearfrom the date of issue. No Limit; upto the available balance in the Card. The Card can also be personalized, upon request by the Corporates for Bulk Issue.


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State Bank eZ Pay Card

The State Bank eZ-Pay Card, a Prepaid plastic Card issued in Indian Rupees in association with VISA International, is an ideal product for making periodical payments. Payment of salaries to employees, who are required to work at different locations, is generally a difficult proposition for employers. Cards can be loaded from a single point and the funds are available to the employees immediately. It is suitable for Disbursement of wages to blue collar workers, Bonus to employees/ reimbursement of expenses to staff, Periodical payment of incentives to agents/ commission to distributors.

One need not be SBI account holder for purchasing State Bank eZ-Pay Card. Any person, in individual capacity also, can obtain eZ-Pay Card. The SBI eZ-Pay Card is usable at all State Bank ATMs through PIN, at Merchant Establishments through by signature and over Internet for e-Commerce transactions by using secure Verified by Visa. The cardholder need not visit any Branch to withdraw his money. Balance enquiry can be made free of charge either through State Bank ATMs or through Internet. Features: Currency of Indian Rupee only

Issue Availability Re-load Minimum Amount of Issue Maximum Amount of Issue

All State Bank of India Branches State Bank eZ-Pay Card is reloadable Rs. 500 and thereafter in multiples of Re. 1/-, however the balance in the Card should not exceed Rs. 50,000/- at any point of time. Rs. 50,000/-


Balance enquiry

Validity of Card Daily Transaction Limit Personalized Cards

State Bank eZ-Pay Card is usable at all State Bank ATMs through PIN, at VISA enabled Merchant Establishments at Point of Sale and over Internet for e-Commerce transactions by using secure Verified by Visa. Cardholder can view the balance in the State Bank eZ-Pay Card and also obtain a transaction receipt indicating the balance from any State Bank Group ATM in India free of cost and also online at The validity of the card is for 10 year from the date of issue. Cash withdrawal limit from State Bank ATMs: Rs.100/ Rs.40,000/- per day. PoS Transaction limit: Rs. 50,000 per day. The Card can also be personalized, upon request by the Corporates for Bulk Issue. Individuals Can be issued to individuals after taking full KYC documents. These individual Cards can be loaded/ reloaded by debit to third party accounts of Corporates/customers. Corporates Corporate Cards (cards both personalised & non-personalised, which can be issued in bulk to corporate clients for onward issuance to their employees at their end) can be issued to employees/beneficiaries of listed company only. Corporates have to submit KYC documents of beneficiaries before loading/activating the Cards for use.



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State Bank Xpress Money Card, a Co-branded Prepaid Card that can be loaded up to Rs.50,000/-, with UAE Exchange and Financial Services Ltd, for loading Inward Remittances received under Money Transfer Service Scheme (MTSS) of Reserve Bank of India. The new product will go a long way in providing Banking facilities to a large number of beneficiaries receiving inward remittance from abroad, who do not have access to basic banking facilities. State Bank Xpress Money Card is an ideal product for loading inward remittance received under Money Transfer Service Scheme (MTSS) of Reserve Bank of India through UAE Exchange and Financial Services Ltd. It is a prepaid Card which allows Cardholders to access their remittances at ATMs through PIN, at PoS by PIN/signature and ecommerce transactions. It will be issued to beneficiaries receiving inward remittances, no prior Banking Relationship required Currency of Issue is Indian Rupee only. The State Bank Xpress Money Card can be used at State Bank Group ATMs (free), Other Bank ATMs (with charge, current Rs.20/per withdrawal), at Merchant Establishments or for online transactions in India. Card Validity: The card is valid for 10 years. The expiry date is preprinted on the cards. The Card can be loaded only with inward remittance received under MTSS of RBI through UAE Exchange and Financial Services Ltd. Minimum Cash withdrawal from State Bank ATMs - Rs.100 per withdrawal Maximum Cash withdrawal from State Bank ATMs Rs.40,000 per day Point of Sales Transactions- Rs. 50,000 per day.



Daily Transaction Limit






The State Bank Xpress Money Card is a re-loadable card and can be re-loaded 30 times in a calendar year. Minimum reload Rs.100 No Maximum stipulation but at any point of time card balance should not exceed Rs.50, 000/-. Issuance charges: Free. Issue of Replacement card: Rs. 100/ Reload fee: Nil Physical statement of account: Rs. 100 (in case customer requests for it) The beneficiary needs to provide the following documents for availing a State Bank Xpress Money Card: Application Proof of Identity such as passport, voter ID card, PAN Card etc. Proof of Residence such as Pass port, Driving license etc. No need to be an State Bank account holder for availing State Bank Xpress Money Card. If the balance in State Bank Xpress Money Card is below Rs.100.00 and the card is not used for six months or is beyond expiry date, the entire balance will be forfeited and State Bank Xpress Money Card will be closed. If balance in State Bank Xpress Money Card is above Rs.100.00 and the card is expired, balance less Rs.100.00 will be refunded to the bonafide cardholder on application. At present State Bank Xpress Money Cards will be issued free of cost through all the branches of UAE Exchange and Financial Services Ltd situated in Kerala State. The product will be launched across all the branches of UAE Exchange and Financial Services Ltd across the Country shortly.


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State Bank Foreign Travel Card is a prepaid Foreign Currency card that makes your foreign trip trouble-free and convenient. It is a Chip based Card which stores encrypted and confidential information. It offers you a convenient and secure way to carry cash anywhere in the world (valid worldwide except in India, Nepal and Bhutan). State Bank Foreign Travel Card is available in eight Foreign Currencies viz. US Dollars (USD), Pound Sterling (GBP), Euro (EUR), Canadian Dollar (CAD), Australian Dollar (AUD), Japanese Yen (YEN), Saudi Riyal (SAR) and Singapore Dollar (SGD). We will shortly be adding UAE Dirham (AED), Thai Baht (THB) Hong Kong Dollar (HKD) and Malaysian Ringgit (MYR). The Card: Issued in association with VISA International. Accepted at 1.80 Million VISA ATMs and at over 28 Million Merchant Establishments (MEs) approximately, all over the world except in India, Nepal and Bhutan. Available at over 1,100+ Branches. Available for retail (students, tourists, pilgrims, medical needs, etc) and corporate customers (Companies, Government Departments, Public Sector Undertakings, etc.) ELIGIBILITY: Any bonafide citizen of India who plans to travel abroad except Nepal and Bhutan. Corporates for their employees whom they plan to send abroad for official purpose subject to completion of KYC norms. Parents/sponsors of the students going abroad for higher studies, in the students name and can be subsequently reloaded up to the statutory ceiling, prescribed from time to time. Foreign Nationals residing in India, subject to completion of KYC norms. FEATURES: Minimum amount of load/Re-load: USD 200/GBP 120/Euros 150/CAD 200/AUD 200/ YEN 15,800/SAR 750/SGD 250.

Maximum amount of issue: As prescribed by RBI/FEMA 1999 depending on the purpose of overseas visit. Presently, equivalent to USD 100,000 per annum for Education/ Employment/Medical; USD 25,000 per Business Trip and USD 10,000 per annum for tourism/pilgrimage. Competitive exchange rates. Reloadable any number of times, within the RBI/FEMA regulations cited above. Operatable by 4 digit PIN at ATMs and by PIN/Signature at Merchant Establishments. Free balance enquiry at State Bank Group ATMs and VISA ATMs (at a charge). Free balance enquiry and view/download details of transactions through by using eight characters (combination of alphabets, numerals and special characters). Add-on cards, not exceeding two in number, can be given for use of the card holder in case of loss/misplacement/defacement of the card. Balance information after each transaction through SMS (service presently available only on Indian SIM Cards). A 24 x 7 call centre to provide information and hot-listing (block) the card in case of loss / misplacement. Now it can be used for online e-commerce payments, while overseas e.g. payment of college fee, booking of air-tickets, online purchase of books etc. DOCUMENTS Copy of first and last pages of Passport. Application for SBFTC & Form A2 PAN or Form 60 in lieu thereof, if the amount tendered is Rs. 50,000/- or more. Proof of residence in case the address is different from that appearing on passport. Travel document.


International banking services of State Bank of India are delivered for the benefit of its Indian customers, non-resident Indians, foreign entities and banks through a network of 188 offices/branches in 34 countries as on 14th July 2013, spread over all time zones. The network is augmented by a cluster of Overseas and NRI branches within India and correspondent links with over 483 banks, the world over. Bank's Joint Ventures and Subsidiaries abroad further underline the Bank's international presence.

The services include corporate lending, loan syndications, merchant banking, handling Letters of Credit and Guarantees, short-term financing, collection of clean and documentary credits and remittances.

The Bank has carved a niche for itself in the Euroland with branches located in Antwerp, Paris and Frankfurt. Indian banks and corporates are able to avail single-window Euro services from the Bank's Frankfurt branch.

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Spreading its arms around the world, the SBIs International Banking Group delivers the full range of cross-border finance solutions through its four wings the Domestic division, the Foreign Offices division, the Foreign Department and the International Services division. The Domestic wing provides services like merchant banking, shipping finance and project export finance. The Foreign Offices wing offers the entire range of international trade and industrial finance products, while the Kolkatta-based Foreign Department undertakes treasury and currency operations. The International Services division renders specialized services like correspondent banking, global link services and country and bank risk exposure monitoring . Being Indias largest and most trusted commercial bank, the SBI offers you a netw ork of relationships unmatched in strength and span by any other Indian financial entity. The bank has a network of 163 offices/branches in 33countries spanning all time zones. The SBIs international presence is supplemented by a group of Overseas and NRI branches in India and correspondent links with over 483leading banks of the world. SBIs offshore joint ventures and subsidiaries enhance its global stature.

The bank has carved a niche for itself in Euroland with branches strategically located in Paris, Frankfurt and Antwerp. Indian banks and corporates are able to avail singlewindow Euro services from SBI Frankfurt. These strengths are reinforced by a dedicated and highly skilled team of professionals deployed by the bank in each specific segment.

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Introduction SBI Understand there is much stake involved in Export Import business Global economic, political situations, anything and every thing that affects you and your business. SBI offers the trusted financial solution to all your complex Trade finance related fund needs (both in Indian rupee and foreign currencies). The gamut of our services include credit for both pre shipment and post shipment activities. Export Avenue Rupee Export Credit (Pre-Shipment and Post-Shipment) Pre-Shipment Export Credit Post-Shipment Export Credit PreShipment Credit in Foreign Currency (PCFC) Getting Started - Opening a PCFC Operating PCFC Export Bill Rediscounting Letter of Credit

Import Avenue Foreign Currency import credit Supplier's credit

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RUPEE EXPORT CREDIT (PRE-SHIPMENT AND POST-SHIPMENT) SBI understands and values your Pre shipment and post shipment commitments our trade finance cell offers both Pre shipment and Post shipment credit in rupee denominated terms to exporters having firm export orders or confirmed letters of credit.

Avail Rupee export credit at most competitive rates at 449 branches. Click to locate nearest forex authorized branch Book forward contracts in respect of future export credit drawals. Click here for export credit (rupee denominated) Interest rates. Pre-Shipment Export Credit SBI offers Pre-shipment Credit (Packing Credit) to the exporters, for financing purchase, processing, manufacturing or packing of goods prior to shipment. This would mean any loan or advance extended to you by SBI on the basis of: a) Letter of Credit opened in your favor or in favor of some other person, by an overseas buyer; b) a confirmed and irrevocable order for the export of goods from India; c) any other evidence of an order or export from India having been placed on the exporter or some other person, unless lodgement of export order or Letter of Credit with the bank has been waived. Packing Credit is granted for a period depending upon the circumstances of the individual case, such as the time required for procuring, manufacturing or processing (where necessary) and shipping the relative goods. Packing credit is released in one lump sum or in stages, as per the requirement for executing the orders/LC. The pre-shipment / packing credit granted has to be liquidated out of the proceeds of the bill dawn for the exported commodities, once the bill is purchased/discounted etc., thereby converting pre-shipment credit into post-shipment credit. Post-Shipment Export Credit SBI extend Post-shipment Credit that is any loan / advance granted or any other credit provided by SBI for purposes such as export of goods from India. It runs from the date of extending credit, after shipment of goods to the date of realization of export proceeds and includes any loan / advance granted on the security of any duty drawback allowed by the Govt. from time to time. Post-shipment credit has to be liquidated by the proceeds of export bills received from abroad in respect of goods exported. The exporter has the following options at post-shipment stage: i. To get export bills purchased /discounted / negotiated; ii. To get advances against bills for collection; iii. To receive advances against duty drawback receivable from Govt. The exporter has the option to avail of pre-shipment and post-shipment credit either in rupee or in foreign currency. However, if the pre-shipment credit has been availed in foreign currency, the post-shipment credit has necessarily to be under EBR Scheme since foreign currency pre-shipment credit has to be liquidated in foreign currency. The details of pre-shipment and post-shipment credit in foreign currency are mentioned below.

For details contact: (the Asstt. General Manager (Commercial & International Banking Products)

PRE-SHIPMENT CREDIT IN FOREIGN CURRENCY(PCFC) SBIs Pre-shipment Credit in Foreign Currency (PCFC) is just what you need, when you are looking for funds in foreign currency. Avail it to meet your manufacturing, processing and packing fund requirements at international interest rates. Just not this, you can also cover the cost of both domestic as well as imported inputs of SBIs PCFC gives you choice of four different currencies in which to operate the scheme the US Dollar, Pound Sterling, Euro and the Japanese Yen. SBI has 64 branches across the country handling the PCFC facility for your exclusive convenience. Click here for the list of A & B category designated branches, with addresses/phone and fax nos. etc. Our Foreign Department, based at Kolkatta, is the nodal centre for raising and deploying offshore and onshore funds for lending under PCFC.

Getting Started - Opening a PCFC Make sure you have firm export orders or confirmed letters of credit, and you'll find that obtaining the PCFC facility from SBI is a cakewalk. Of course, you also need to satisfy other credit norms. Now for the icing on the cake - we let you have a running account facility with us for PCFC if you are an exporter with a good track record. The specified eligibility factor is that your over dues should not exceed 5 per cent of the average annual export realisations during the preceding three calendar years. In cases where a running account facility has been extended, you must produce a letter of credit or a firm export order within a reasonable amount of time. More good news for existing clients - there is no need for a separate sub-limit for PCFC for you! The PCFC can be made available within the export packing credit available to you provided the outstanding amounts under both rupee and foreign currency facilities do not exceed the sanctioned limits.

Operating PCFC PCFC is to be repaid only with the proceeds of the export bill tendered, under the export bill-rediscounting scheme. In case of cancellation of export order, the PCFC line may be closed by selling equivalent amount of foreign exchange at TT selling rate prevalent on the date of liquidation.

How do the schemes operate? PCFC & EBR schemes go hand in hand. The operation of these schemes is in three stages, viz. i) Disbursement of PCFC ii) Disbursement of EBR and simultaneous repayment of PCFC and iii) Repayment of EBR.

When the exporter has sufficient drawing power available within his overall limit to accommodate the proposed PCFC advance, PCFC is made available to him either in foreign currency for payment of his import bills or in Indian rupees for purchase of domestic raw material by converting the foreign currency of PCFC at T.T. Buying rate. PCFC is operated like cash credit account with balances in foreign currency. The liability of the exporter to the Bank on account of PCFC is in foreign currency. The rupee equivalent will be shown in the account only at notional rates which really doesn't concern the exporter.Interest on PCFC will be arrived in foreign currency and the rupee equivalent thereof will be recovered at quarterly intervals from the exporter's CC or Current account. Click here for Export Credit (Foreign Currency Denominated) Interest rates. For further details, please contact the Asstt. General Manager (Commercial & International Banking Products) nearest to you. Frequently Asked Questions (FAQs) Q. Is there any withholding tax on SBI PCFC? A. No withholding tax is payable on the PCFC, if the interest on the foreign currency line is to be remitted to SBI foreign offices. Q. Can PCFC drawals be booked on a forward basis? A. Yes, forward contracts can be booked in respect of future PCFC drawals. Q. What about cross currency drawals? A. At SBI, PCFC drawals in cross currencies are allowed, subject to the exporter bearing the risk in currency fluctuations. However, cross currency drawals are restricted to the US Dollar. For instance, for an export order in a non-designated currency like the Swiss Franc, PCFC will be given only in USD. However, for orders in Pound Sterling, Euro and the Japanese Yen, pre-shipment credit may be availed in the respective currencies or USD. Multiple currency drawals against the same order are not permitted, for the sake of operational convenience. EXPORT BILL REDISCOUNTING Introduction Avail SBI's export bill rediscounting (EBR) for post shipment finance at international rates of interest. PCFC will be liquidated with the discounting of bills under EBR scheme. The foreign currency of the bill will be applied to PCFC in foreign currency and if there is any surplus of the bill after adjusting to PCFC, the surplus portion will be converted into Indian rupees and credited to the exporter's CC or Current account. The EBR advance which is a foreign currency loan will be eventually closed when the overseas buyer pays the bill and the export proceeds are realised. Take your pick from any of the four designated currencies: US Dollar, Pound Sterling, Euro and the Japanese Yen. Contact any of our 64 forex-intensive branches handling EBR. Getting Started All export bills, demand and usance, are eligible for SBI's EBR scheme. All exporters are

eligible to cover their bills drawn under letters of credit, non-credit bills under sanctioned limits in the bill rediscounting scheme. Operating the EBR Scheme The bank offers export bill rediscounting for a maximum period of 180 days, inclusive of grace and transit periods. What are the special advantages in availing PCFC & EBR from SBI? Vast network of designated branches to handle the schemes and also a well laid out system of customers of non designated branches availing the schemes at the nearest designated branches. No minimum amount is prescribed for drawals under PCFC and EBR schemes No withholding tax need be paid by the exporters, as the lines of credit for funding PCFC and EBR are drawn by SBI from its own foreign offices. Competitive rates of interest for customers with good credit rating and high value business.

Frequently Asked Questions (FAQs) Q. Is there any withholding tax on SBI's EBR facility? No withholding tax is payable on the PCFC, if the interest on the foreign currency line is remitted to SBI foreign offices. Since the bank dispenses lines of credit only from its foreign offices, exporters need not pay withholding tax.

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LETTER OF CREDIT Leverage SBI's reputation and goodwill in the global market! Avail of SBI's Letters of Credit for your purchases in international and domestic trading operations. SBI offers Letters of Credit to facilitate purchase of goods in international trading operations. Backed by SBI's strong reputation, you will be able to build better trust in trade and forge business relationships faster. The bank's vast network of branches and correspondent banks enables your enterprise to sustain a seamless flow of business on a wide platform. (Click here for the list of forex authorised branches and list of correspondents banks). Further, the bank's informed trade finance crew can provide you with sophisticated credit and trade information, and market knowledge, helping you to extract more value from business. Since the Bank establishing the Letter of Credit undertakes the responsibility of honouring the drafts drawn there under, the ability of the importer to meet its obligation, the integrity of the exporter, the nature of goods, besides observance of Exchange Control regulations etc. are considered.

Foreign Currency import credit This is ideal for both Indian importers and their foreign suppliers. SBI offers credit to foreign suppliers of Indian importers by purchasing the import bill for its full value through one of the bank's overseas offices. The tenor of this form of supplier's credit does not exceed 180 days. The supplier gets 100 per cent of the invoice value immediately, making his deal practically a cash sale. Importers get credit for a maximum period of 180 days, enabling them to manage their liquidity better. Further, their interest payables could be lower since international interest rates are currently lower than domestic rates. These facilities are useful for import by sellers in the domestic market as well as exportrelated import. For further details, please contact the Asstt. General Manager (Commercial & International Banking Products) nearest to you. ( FAQs) Frequently Asked Questions Q. What are the exchange control regulations applicable? A. Authorised dealers are permitted to make interest payments accrued on interest bills for a period not exceeding six months from the date of shipment. In this case, the interest rate should not exceed the prime rate of the country in whose currency the import goods are invoiced in. Given that the stipulations on tenor and the interest rate are met, no prior permission from the Reserve Bank of India is required for this facility. Short term foreign Currency Funding for Imports

Suppliers Credit Suppliers' Credit essentially represents credit sales effected by the supplier on the basis of accepted bills or promissory notes with or without a collateral security. Any credit facility arranged with recourse to the supplier for financing upto 180 days import into India which is not backed up in the form of any letter/document/guarantee/agreement, etc. issued by the LC opening banks or in any other manner except normal routine commercial transactions like an LC, can be treated as a suppliers' credit. The underlying commercial contract between the exporter and the Indian importer should provide for drawing of usance drafts with an upper cap of 180 days on the usance period. When documents under such usance LCs are discounted by our foreign offices and other banks, it is not based on any mandate/letter of comfort/guarantee given by the LC opening bank in India either on their own behalf or at the instance of the importer, i.e.. the buyer of goods. Indian importers are free to enjoy a credit period of 180 days on their imports from the date of shipment provided interest for the period does not exceed the prime rate for the currency in which the goods are invoiced. Prior approval of RBI/GOI was required for exceeding this time limit, till September 2002. With a view to simplifying the procedure for imports into India, RBI, in September 2002, decided that the Authorised dealers may approve proposals received in form ECB for short term credit for financing, by way of Suppliers' Credit, of import of goods into India, provided.

The credit is being extended for a period of less than 3 years The amount of credit does not exceed USD 20 million (approx. Rs. 94 crores now) per import transaction. The 'all-in-cost' per annum, payable for the credit does not exceed 6 months LIBOR + 200 basis points.



SBIs Merchant Banking Department (MBD) is part of the Domestic wing of IBG and caters to the forex funding needs of the Indian corporates. MBD is strongly positioned to offer Foreign Currency Loans at competitive rates to finance your business. The broad activities of the Department are:

External Commercial Borrowings (ECB) are raised by Indian Corporates mainly to fund capex needs. ECBs should have a minimum average tenor of three years and all in cost should not exceed the ceiling prescribed by RBI. Foreign Currency Term Loans (FCTLs) are extended to overseas subsidiaries/ Special Purpose Vehicles (SPV) of Indian corporates. A large number of overseas Mergers and Acquisitions (M&As) deals by Indian corporates have been funded by SBI at competitive rates. The exposure requires specialized and comprehensive financial analysis, legal due diligence and risk assessment. In some cases, FCTLs are sanctioned against Letters of Comfort (LOCs) issued by our domestic offices/other banks and risk premium is passed on to these offices. MBD syndicates the FCTLs/ECBs in the international market wherein foreign and Indian banks participate. Indian Corporates borrowing in foreign currency from SBI have an added advantage of no withholding tax implications. The Bank has been a market leader for the past few years in the Foreign Currency Syndicated loan market and has successfully syndicated large ticket

loans as a Mandated Lead Arranger and Bookrunner. This has been possible due to its ability to underwrite large amounts on the strength of its global balance sheet.

SBI, being an Indian entity, has no India exposure ceiling. Our primary focus is on Indian Clients. SBIs seasoned Team of Professionals provides you with insightful credit information and helps you maximize the value from the transaction.


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State Bank of India is an active participant in the area of finance of Project Export activities. These activities mainly involve financing the fund-based and non-fund based requirements of the project exporters, viz: Export of engineering goods on deferred payment terms Execution of turnkey projects abroad Execution of overseas civil construction contracts abroad Export of services - the contracts for export of consultancy, technical and other services

Project export contracts are generally of high value and exporters undertaking them are required to offer competitive terms to be able to secure orders from foreign buyers in the face of stiff international competition. Our vast network of branches spread all over the country which are authorized to handle trade related transactions, substantial presence overseas with branches/offices in all major commercial centers of the world covering all time zones and our strong network of correspondent relationship with top ranking banks in several countries add to our competitive strength to facilitate and meet various requirements of project exporters. Moreover, we also enjoy high credentials in International banking community. Credit facilities offered by us: Various types of credit facilities, both non-fund and fund-based, that project exporters may need at the time of bidding and/or for execution of the project are extended by the Bank. Non-Fund Based Facilities Letter of Credit facility on behalf of our customers enabling them to import raw material required for manufacturing goods for project export is provided by us and also all other types of guarantees required for project export contract are issued by us, eg. Bid Bond Guarantee

Advance Payment Guarantee Performance Guarantee Down Payment Guarantee Retention Money Guarantee Maintenance Guarantee Overseas Borrowing Guarantee Fund Based i) Pre-shipment credit both in Indian rupees and in foreign currency to extend financial assistance for procuring/ manufacturing/ processing/ packing/ shipping goods meant for export. Rupee/ Foreign currency suppliers credit : When a project export is on deferred credit terms, we meet the financial requirement of our exporters in Indian rupees or foreign currency. Buyers credit : Bank also participates in grant of credit to foreign buyers under the Buyers Credit Scheme of Exim Bank.



REGULATORY FRAMEWORK Exchange Control Regulations: The exchange control regulations relating to Project and Service Exports, revised from time to time, are contained in the Memorandum of Instructions on Project and Service Exports (PEM) issued by Reserve Bank of India. The directions contained in the PEM are issued under Section 10 (4) and Section 11 (1) of the Foreign Exchange Management Act, (42 of 1999) Authority structure for clearance of Project Export proposals : Reserve Bank of India has laid down the authority structure for clearance of project export proposals based on the value of contract: Contract value up to USD 100 mio Authorised Dealer/ Bank Contract value above USD 100 mio Working Group/Exim Bank

Thus, proposals with contract value up to USD 100 mio are cleared by State Bank of India. For proposals with contract value above USD 100 mio, reference to Working Group is made by us as the Sponsoring Bank on behalf of our customers.


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State Bank of India has launched "SBI EXPORTERS GOLD CARD SCHEME" to meet the working capital needs of exporters with good track record and credit worthiness, subject to their fulfilling the specified eligibility norms. The salient features of the scheme are as under:

Assessment norms have been simplified and for units with export turnover up to Rs. 100 crore simplified assessment in terms of Nayak Committee norms will be made within specified time norm not exceeding 25 days in case of new sanctions and 15 days in case of renewals. Further relaxations, subject to certain conditions, in the form of automatic renewal of limits after the three year tenure as also simplified method for effecting annual step-up in limits is being examined by the Bank. Standby limit of 20% will be sanctioned to all the SBI Exporters Gold Card holders over and above the sanctioned limit to meet credit demands arising out of receipt of sudden orders. Limits sanctioned will be valid for a period of three years. Interest will be charged at concessional rate from the Gold Card holders. The present rate for Packing Credit up to 180 days and Post-shipment credit up to 365 days would be 3.75% below the Bank's benchmark Prime Lending Rate. Also, SBI Gold Card holders will be given preference for grant of packing credit in foreign currency. International Credit/Debit cards and Internet Banking facilities shall be extended to the SBI Exporters Gold Card holders on priority basis

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Profile Profile India's largest bank is also home to the country's biggest and most powerful Treasury, contributing to a major chunk of the total turnover in the money and forex markets. Through a network of state-of-the-art dealing rooms in India and abroad, backed by the assured expertise of informed professionals, the SBI extends round-theclock support to clients in managing their forex and interest rate exposures. SBI's relationships with over 700 correspondent banks are also leveraged in extracting maximum value from treasury operations. SBI's treasury operations are channeled through the Rupee Treasury, the Forex Treasury and the Treasury Management Group. The Rupee Treasury deals in the domestic money and debt markets while the Forex Treasury deals mainly in the local foreign exchange market. The TMG monitors the investment, risk and asset-liability management aspects of the Bank's overseas offices. Rupee Treasury The Rupee Treasury carries out the banks rupee-based treasury functions in the domestic market. Broadly, these include asset liability management, investments and trading. The Rupee Treasury also manages the banks position regarding statutory requirements like the cash reserve ratio (CRR) and the statutory liquidity ratio (SLR), as per the norms of the Reserve Bank of India.

Products and Services Asset Liability Management (ALM): The ALM function comprises management of liquidity, maturity profiles of assets and liabilities and interest rate risks. Investments: SBI offers financial support through a wide spectrum of investment products that can substitute the traditional credit avenues of a corporate like commercial papers, preference shares, non-convertible debentures, securitized paper, fixed and floating rate products. SBI invests in primary and secondary market equity as per its own discretion. These products allow you to leverage the flexibility of financial markets, enable efficient interest risk management and optimize the cost of funds. They can also be customized in terms of tenors and liquidity options. SBI invests in these instruments issued by your company, thus providing you a dynamic substitute for traditional credit options. The Rupee Treasury handles the banks domestic investments. Trading The banks trading operations are unmatched in size and value in the domestic market and cover government securities, corporate bonds, call money and other instruments. SBI is the biggest lender in call. Forex Treasury (FX) The SBI is the countrys biggest and most important Forex Treasury, both in the Interbank and Corporate Foreign Exchange markets, and deals with all the major corporates and institutions in all the financial centers in India and abroad. The banks team of seasoned, skilled and professional dealers can tailor customized solutions that meet your specific requirements and extract maximum value out of each market situation. The banks dealing rooms provide 24-hour trading facilities and employs state-of-the-art technology and information systems. SBIs relationships with ove r 700 correspondent banks and institutions across the globe enhance the strength of the Forex treasury. The FX Treasury can also structure and facilitate execution of derivatives including long term rupee-foreign currency swaps, rupee-foreign currency interest rate swaps and cross currency swaps. OVERSEAS TREASURY OPERATION Treasury Management Group The Treasury Management Group (TMG) is a part of the International Banking Group (IBG) and functions under the Chief General Manager (Foreign Offices). The department monitors management, supervision and control of treasury functions at SBIs foreign offices. The functional areas include asset liability management, market risk management, investments, forex and derivatives and trading operations in various asset classes and raising of medium and long term resources for Foreign Offices. Asset Liability Management (ALM) and Market Risk Management:

The ALM function comprises management of liquidity, maturity profiles of assets and liabilities and interest rate risks at the Foreign Offices. Activities include monitoring of structural mismatches in liquidity at Foreign offices, monitoring and analysis of the interest rate risk of Foreign Offices as a whole, capital charge for Market Risk for IBG in terms of BASEL I & II guidelines, conducting stress test on liquidity risk, interest rate risk and forex risk at periodic intervals, preparation of ICAAP Policy for Foreign Offices for liquidity risk, interest rate risk and forex risk, formulation and periodical review of ALM Policy, Market Risk Policy and Derivatives Policy for Foreign Offices and allocation of capital to Foreign Offices. Investments:

The main objectives of investment operations at the Banks Foreign Offices, which are monitored by TMG are (a) compliance with the regulatory requirements of the host country, (b) optimization of profits from investment operations, (c) maintenance of liquidity (d) temporary deployment of surplus funds until such funds are redeployed in core banking activities and (e) facilitate growth and expansion of Foreign Offices through strategic investments. Investment operations are undertaken in accordance with the investment policy for Foreign Offices formulated by TMG and branch specific local regulations, if any. Forex and Money Market:

Monitoring of Foreign Exchange Dealing operations and money market operations at our Foreign Offices which includes formulation and implementation of guidelines for these activities, setting up of risk control limits and ensuring their adherence with the objective of optimizing of returns while managing the attendant risks. Raising of resources:

Treasury Management Group assists Foreign Offices in raising medium and long term resources which include bilateral loans and syndicated loans. TMG also assists Foreign Offices in raising short term resources by obtaining money market lines and reciprocal lines from other banks. Apart from the above, Treasury Management Group undertakes issuance of bonds in Foreign Currency under the Banks Medium Term Note (MTN) programme as also outside the Programme. This includes raising of funds through issue of Innovative Perpetual Debt Instruments (IPDIs) / Hybrid Tier I (HT I) bonds. Portfolio Management & Custodial Services The Portfolio Management Services Section (PMS) of State bank of India has been set up to handle investment and regulatory related concerns of Institutional investors functioning in the area of Social Security. The PMS forms part of the Treasury Dept. of State Bank of India, and is based at Mumbai.

PMS was set up exclusively for management of investments of Social Security funds and custody of the securities related thereto. In the increasingly complex regulatory and investment environment of today, even the most sophisticated investors are finding it difficult to address day to day investment concerns, such as

adherence to stated investment objectives security selection quality considerations conformity to policy constraints investment returns

The team manning the PMS Section consists of highly experienced officers of State Bank of India, who have the required depth of knowledge to handle large investment portfolios and address the concern of large investors. The capabilities of the team range from Investment Management and Custody to Information Reporting.

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STATE BANK OF INDIA OPENS INDIA'S FIRST OFFSHORE BANKING UNIT State Bank of India has opened the first Offshore Banking Unit (OBU) in India at the SEEPZ Special Economic Zone, New Bank Building, Andheri (East) Mumbai 400,096 on 17th July 2003 - another landmark in the history of India's Financial Sector. The OBU will be deemed as an overseas branch of the Bank and undertake the following activities : 1. Raise funds in convertible foreign currency as deposits and borrowings from Non Residents sources. 2. Transact in foreign exchange with residents in India who are eligible to enter into or undertake such transactions in terms of various Rules and Regulations as framed under Foreign Exchange Management Act, 1999. 3. Open foreign currency accounts abroad as well as with other OBUs in India 4. Trade in foreign currencies in the overseas market and also with banks in India where both legs of the transactions are denominated in foreign currencies. 5. Provide customised loan and liability products for the benefit of clients 6. Maintain Special Rupee account with an Authorised Dealer in India out of the convertible foreign exchange resources for meeting local expenses 7. Buy Rupees from an Authorised Dealer in India to fund the Special Rupee Account.


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Following the USA PATRIOT Act and the final rules issued by the U.S. Department of Treasury, Banks ("Foreign banks") are required to issue Certification to U.S. banks or broker-dealers in securities ("Covered Financial Institutions") with which they maintain Correspondent accounts. For this purpose and as permitted by the final rules, State bank of India has prepared a Certification for use by any financial institution that needs a USA PATRIOT Act Certification from State Bank of India or one of its branches. We kindly request you to use this Certification instead of approaching directly State Bank of India's branches. This Certification only covers State Bank of India and its branches and does not cover its subsidiaries and joint ventures. If the Certification is required from our subsidiaries and joint ventures, please contact them directly.

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Overview (i) (ii) With effect from 01.04.2011, all the new demat accounts and Online Trading accounts will be opened in the books of SBI Cap Securities Ltd. The existing demat accounts in the books of the Bank will continue to be maintained by the Bank.

Therefore, in new 3 in one facility, Savings/Current account will be held with SBI while Demat and Online Trading account will be held in the books of SBI Cap Securities Ltd. However, existing demat customers of SBI will continue to get the services from SBI as before. SBI is a Depository Participant registered with both National Securities Depositories Limited (NSDL) and Central Depository Services Limited (CDSL) and is operating its DP activity through more than 1000 branches. Our Power Demat Account offers you the following features: Features & Benefits of a Demat Account As opposed to the earlier form of dealing in physical certificates with delays in transaction, holding and trading in Demat form has the following benefits: Account Maintenance & Safe custody: Facilitates Maintaining Security Balance in electronic form Dematerialization: Facilitates converting physical share certificate into electronic balances. Rematerialization: Facilitates converting the electronic balances to physical (share certificate) form.

Account Transfers: Facilitates delivery/receipt of electronic balances consequent to market / off-market trades. Pledge/Hypothecation: Facilitates blocking securities balance of borrowers in favour of lenders for obtaining Loans / advances against shares. Initial Public offer: Facilitates faster and direct credit of security balances into DP account on allotment through public issue of companies Disbursement of corporate benefits: Facilitates faster and direct credit of security balance into DP account on account of non-monetary corporate benefits as bonus and rights issues. Security Lending: Facilitates earning extra income on your dematerialized holdings by the way of securities lending.

A Demat account with SBI provides you the following benefits: Customer Care: You can now call our dedicated Customer Care 24X7 and rest assured that all your queries are taken care of. Transact Anywhere: Now operate your Demat account from any of the 1000 plus Demat enabled branches of SBI. Statements by e-mail: Receive your account statement and bill by email. Demat Services Online Facility This convenientand paper free facility lets you operate from the comfort of your home or office through SBIs Internet Banking Facility -

Online Demat Statements: You can now view your Demat account details, statement of holdings, statement of transactions and statement of billing online. Order Delivery Instruction Booklet online: No queues at branches anymore as you can now order your Delivery Instructions Booklet online and the same would be delivered at your doorsteps. Check ISINs, Settlement Calendar and Status of Requests online eZ - Instructions: You can transfer or pledge/unpledge securities online anyplace, anytime. Mobile Alerts: Receive SMS alerts for all debits/credits as well as for any request which cannot be processed. eZ-trade@sbi: In case you want an Online Trading Facility, you can have it with SBICap Securities Limited. This service provides you with a 3-in-1 account which is an integrated platform of Savings Bank A/c, Demat A/c and Online Trading A/c to give you a convenient and paper free trading experience.


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You can view your SBI Demat Account online All you need to do is to get your demat account linked to your existing Internet Banking User id.

If you have already linked your demat account to your Internet Banking account, please log in to Access Account Online. To go to the Demat Screen -- e-Services Click here to view the Demat Screen You can view the following from the comfort of your home or office through
1. 2. 3. 4.

Account details Holding details Statement of transaction Billing Statement

Account Details: Provides your account related information like BO/Client Id, PAN No, Joint Holders name, Account Type, Bank Account Details, Nominee Details etc. for a given BO/Client id. Click here to view the Account details Screen Holding details: Gives the details of the all scrips (description and ISIN) held in dematerialised form along with information on the status of the holdings like Current, Free, Frozen, Pledge, Lockin, Earmark, Pending Demat and Pending Remat. Click here to view the Holding details Screen Statement of transaction: You can view your transaction in your account by choosing date range. The results would display information about the description of the scrip along with the date of credit or debit and the resultant balance available. Click here to view the Statement of Transaction Screen Billing Statement: You can view your transaction in your account by choosing date range. The results would display information about the description of the scrip alongwith the date of credit or debit and the resultant balance available. Click here to view the Billing Statement Screen Click here to view the Billing Statement Details Screen

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State Bank of India (SBI) introduces you to a State-of-the-Art broking predominantly to cater to every broking need and offers a truly world class experience of online investing anyplace, anytime. Buying and selling of shares is now just a click away. Our value proposition is based on unmatched expertise, State-of-Art technology and operational ease that will redefine the way India trades. With us you have the power of research expertise to aid you in making the right decisions, operational ease allowing you to seamlessly execute your transactions, timely advice that helps you pick the right opportunities and a customized trading experience to suit your needs and demands. So go ahead and enjoy your fast, easy and hassle-free trading experience with the Indias Largest Bank. State Bank of India in alliance with SBICap Securities Limited offers you an online trading account which will let you trade from the comfort of your home or office either through the Internet. This service provides you with a 3-in-1 account which is an integrated platform of Savings Bank A/c, Demat A/c and an Online Trading A/c to give you a convenient and paper free trading experience under one roof. Experience eZ-trade@sbi Powered by SBICAP Securities Limited

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Revised Depository Service Charges for residents retail customers and Corporates Sr. CHARGE HEAD No. 1 A/c Opening 2 Annual Maintenance Charges STANDARD CHARGES Nil Rs. 400/- (Rs 350/- for customers receiving statements by e-mail ) Rs. 100/- (for Agreement between DP and BO) or Rs. 200/- (if POA for eZinstructions is also signed) Nil

Agreement Stamp Paper

4 5

Buy - Market and Off-Market Sell - Market and Off-Market (% of transaction value of each ISIN) For trade done For instruction submitted through

Nil 0.03% (Min. Rs. 10/-)(For Institutional Demat A/c

Internet (eZinstructions) For instruction submitted through Branches

Max. Rs 1000/-) 0.03% (Min. Rs. 30/- )(For Institutional Demat A/c Max. Rs 1000/-) Rs. 10 /-

6 7

Rejection/fails Extra charges for processing of instructions submitted on the execution date late (accepted at Client's risk) For instruction submitted through Internet (eZinstructions) For instruction submitted through Branches


Rs. 10/- per ISIN

Dematerialisation For each request form Extra for each certificate Rs. 35/Rs. 2/Rs. 25/Nil

Rematerialisation (For each request form)

10 Closure of Account 11 Pledge Creation/Closure/Confirmation/ Invocation (% of value for each ISIN in each request) If SBI is the counter party If SBI is not the counter party

0.02% (Min. Rs. 15/-) 0.04% (Min. Rs. 30/-)

12 Additional Account Statements By Courier By e-mail Rs. 30/Nil 1) NSDL charges recoverable extra at actuals as applicable from time to time 2) Service tax required to

13 Other Charges

be paid on the entire fee charged to the customer 3) Mailing and courier charges for handling shares in connection with dematerialization and for mailing physical statements to clients are to be recovered on actual basis 4) There will be a charge of Rs. 100/- for unsuccessful attempt to recover payment through direct debit or ECS. The depository services are liable for discontinuation if SBI is unable to recover charges from the customer for any reason whatsoever. In such cases there will be a charge of Rs. 250/- for resumption of services and the services will be resumed after a minimum of three working days from the date of receipt of request at Centralised Processing Cell, Mumbai 5) If the Demat Account is closed during the year, pro-rata refund of Annual Service Charge will be made after deduction of the service charge for each completed quarter and part thereof.

Recovery of demat service charges: Customers to provide a debit authorization to SBI for recovery of charges

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BASIC SERVICES DEMAT ACCOUNT (BSDA) SERVICES In terms of the directive of SEBI, existing SBI demat account holders shall be eligible to opt for BSDA subject to the following conditions: Conditions: 1. All the individuals who have or propose to have only one Demat account where they are the sole or first holder.

2. Individuals having any other Demat account/s where they are not the first holder shall be eligible for BSDA in respect of the single Demat account where they are sole or first holder. 3. The individual shall have only one BSDA in his / her name across all depositories. 4. Value of securities held in the Demat account shall not exceed Rupees Two Lakhs at any point of time. 5. All BOs opting for the facility of BSDA, shall register their mobile number for availing the SMS alert facility for debit transactions. The charge structure shall be on a slab basis as under:a. No Annual Maintenance Charges (AMC) shall be levied, if the value of holding is up to Rs. 50,000. b. For the value of holding from Rs 50,001 to Rs 200,000, AMC of Rs 100 shall be charged. c. If the value of holding in such BSDA exceeds the prescribed criteria at any date, we shall levy AMC as applicable to regular accounts (non- BSDA) from that date onwards, which is Rs. 400/- per annum (Rs 350/-, If the account statement is to be sent by email). We enclose the form for converting a regular Demat account into Basic Services Demat Account (BSDA), subject to fulfillment of the above conditions. In case you intend to convert your existing Demat account into BSDA, you may please fill up the form and submit the same at your Demat Service Branch for onward submission to DPCPC. You may please note that the provision of BSDA is effective from 01 October 2012. The outstanding service charges on the account, if any, is payable immediately for availing the BSDA. It may also be noted that your Demat account shall continue to attract AMC charges for regular Non-BSDA account till your application for converting the Demat account into BSDA in the enclosed form is received by us


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Now you can receive statement by e-mail. A monthly statement will be sent to the email id specified by you when there are transactions in your account. Otherwise, a quarterly statement will be sent. This is as per current NSDL/CDSL guidelines. In addition, you will receive a physical copy of the annual statement to assist you in filing income tax returns. The e-mail statement will be authenticated by a digital signature obtained from a Certifying Authority under the Information Technology Act, 2000. This will allow you toverify that the statement is sent by State Bank of India only and that the contents of the same have not been altered during transmission. Please note that the statements are sent via standard email and are therefore only as secure as standard email transmission through the Internet. Since the email transmission is not encrypted, it is not necessarily protected from unauthorized access.

To subscribe for the facility or to update your email id, please complete and send " Subscription form for mobile alerts/ getting statements by e-mail " at the address specified in the form. You can also submit the same at your nearest SBI branch offering demat services. It may be noted that on being registered for receiving statements by e-mail, the annual maintenance charge is lower by Rs. 50/- per annum starting from when it is next due.


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Demat as well as Online Trading accounts are now being opened in the books of SBI Cap Sec Ltd. However, if anyone wants to open a demat or/ and online trading account, he/she has the following options: (i) Approach the nearest SBI branch- Branch will gather the requisite information and forward the same to SBI Cap Securities Ltd. (ii) Through our site,, the customer may submit the account opening request to SBI Cap Securities Ltd. Visit Apply Online Forms in the Home page. (iii) The customer may request SBI Cap Securities Ltd. directly also to open the account (

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SBI is a one shop providing financial products / services of a wide range for large , medium and small customers both domestic and international. Working Capital Financing
Assistance extended both as Fund based and Non-Fund based facilities to

Corporates , Partnership firms , Proprietary concerns Working Capital finance extended to all segments of industries and services sector such as IT Term Loans To support capital expenditures for setting up new ventures as also for expansion, renovation etc. Deferred Payment Guarantees

To support purchase of capital equipments. Corporate Loans For a variety of business related purposes to corporates. Export Credit To Corporates / Non Corporates Strategic Business Units (i) Corporate Accounts Group (CAG) (ii)Project Finance (iii) Lease Finance An exclusive unit providing one s shopping to Corporates A dedicated set up specialised in financing of infrastructure and other large projects Exclusive set up for handling large ticket leases. Pricing SBI's Prime Lending Rates (PLR) are among the lowest Presently Bank has two PLR's SBAR for loans payable on demand and upto one year
SBMTLR for loans payable beyond one year.

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Project Finance Strategic Business Unit A one-stop-shop of financial services for new projects as well as expansion, diversification and modernisation of existing projects in infrastructure and non infrastructure sectors . Expertise Being India's largest bank and with the rich experience gained over generation, SBI brings considerable expertise in engineering financial packages that address complex financial requirements. Project Finance SBU is well equipped to provide a bouquet of structured financial solutions with the support of the largest Treasury in India (i.e. SBI's), International Division of SBI and SBI Capital Markets Limited. The global presence as also the well spread domestic branch network of SBI ensures that the delivery of your project specific financial needs are totally taken care of.

Lead role in many projects Allied roles such as security agent, monitoring/TRA agent etc. Synergy with SBI caps (exchange of leads, joint attempt in bidding for projects, joint syndication etc.). In a way, the two institutions are complimentary to each other. We have in house expertise (in appraising projects) in infrastructure sector as well as non-infrastructure sector. Some of the areas are as follows: Infrastructure sector:

Infrastructure sector:

Road & urban infrastructure Power and utilities Oil & gas, other natural resources Ports and airports Telecommunications

Non-infrastructure sector:

Manufacturing: Cement, steel,

mining, engineering, auto components, textiles, Pulp & papers, chemical & pharmaceuticals

Services: Tourism & hospitality,

educational Institutions, health industry

Expertise Rupee term loan Foreign currency term loan/convertible bonds/GDR/ADR Debt advisory service Loan syndication Loan underwriting Deferred payment guarantee Other customized products i.e. receivables securitisation, e.t.c.

Why Project Finance SBU? Since its inception in 1995 the Project Finance SBU has built-up a strong reputation for it's in-depth understanding of the infrastructure sector as well as noninfrastructure sector in India and we have the ability to provide tailor made financial solutions to meet the growing & diversified requirement for different levels of the project. The recent transactions undertaken by PF-SBU include a wide range of projects undertaken by the Indian Corporates. What's in it for you? Single window solution

Appetite for large value loans. Proven ability to arrange/syndicate


Competitive pricing.
Professional team

Dedicated group with sector expertise. Panel of legal and technical experts. Procedural ease

Standardized information requirements.

Credit appraisal/ delivery time period is


Wide branch network ensuring ease of disbursement. Eligibility The infrastructure wing of PF SBU deals with projects wherein The project cost is more than Rs 100 Crores. The proposed share of SBI in the term loan is more than Rs.50 crores. In case of projects in Road sector alone, the cut off will be project cost of Rs.50 crores and SBI Term Loan Rs. 25 Crores, respectively. The commercial wing of PF SBU deals with projects wherein ; The minimum project cost is Rs. 200 crores (Rs. 100 crores in respect of Services sector). The minimum proposed term commitment is of Rs. 50 crores from SBI. For project funding requirements below the amounts indicated above, you may kindly contact the nearest branch of the SBI Group.

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Working Capital Finance SBI offers working capital finance to meet the entire range of short-term fund requirements that arise within a corporates day -to-day operational cycle. The SBI working capital loans can help your company in financing inventories, managing internal cash flows, supporting supply chains, funding production and marketing operations, providing cash support to business expansion and carrying current assets. SBIs working finance products comprise a spectrum of funded and non-funded facilities ranging from cash credit to structured loans, to meet the different demands from all segments of industry, trade and the services sector. Funded facilities include cash credit, demand loan and bill discounting. Demand loans are considered also under the FCNR (B) scheme. Non-funded instruments comprise letters of credit (inland and overseas) as well as bank guarantees (performance and financial) to cover advance payments, bid bonds etc.

Project Finance The SBI has formed a dedicated Project Finance Strategic Business Unit to assess credit proposals from and extend term loans for large industrial and infrastructure projects. Apart from this, project term loans for medium sized projects and smaller clients are delivered through the CAG and the NBG. In general, project finance covers greenfield industrial projects, capacity expansion at existing manufacturing units, construction ventures or other infrastructure projects. Capital intensive business expansion and diversification as well as replacement of equipment may be financed through the project term loans. Project finance is quite often channeled through special purpose vehicles and arranged against the future cash streams to emerge from the project. The loans are approved on the basis of strong in-house appraisal of the cost and viability of the ventures as well as the credit standing of promoters.

Deffered Payment Gaurantees Q. What is the SBI deferred payment guarantee? SBI can extend deferred payment guarantees to industrial projects for obtaining imported equipment. The DPG is a standby credit guaranteeing deferred payments, usually for payments for capital goods, turnkey contracts etc. Corporate Term Loan The SBI corporate term loans can support your company in funding ongoing business expansion, repaying high cost debt, technology upgradation, R&D expenditure, leveraging specific cash streams that accrue into your company, implementing early retirement schemes and supplementing working capital.

Corporate term loans can be structured under the FCNR (B) scheme as well, with the option of switching the currency denomination at the end of interest periods. This will help you take advantage of global interest rate trends vis--vis domestic rates to minimize your debt cost. The banks corporate term loans are generally available for tenors from three to five years, synchronized with your specific needs. SBI corporate term loans may carry fixed or floating rates, as befits the exact requirement of the client and the risk context. Again, these rates will be linked to the banks prime lending rate. SBI corporate term loans can have a bullet or periodic repayment schedule, as required by the client. The repayment mode may be linked to the cash accruals of the company. The Banks expert credit crew gauges the applicants particular fund requirements and evaluates the companys credit worthiness, factoring in the cash flows generated by it .

Structured Finance SBI structured finance involves assembling unique credit configurations to meet the complex fund requirements of large industrial and infrastructure projects. Structured finance can be a combination of funded and non-funded facilities as well as other credit enhancement tools, lease contracts for instance, to fit the multi-layer financial requirements of large and long-gestation projects. Q. What is the SBI advantage in structured finance? Being Indias largest bank and with the rich experience that it brings with it, SBI commands formidable expertise in engineering financial packages that address complex requirements with minimum risk. Further, SBI has firm relationships across the financial map of the world, which can be leveraged to structure solutions that may necessitate the participation of several credit agencies.

Dealer Financing SBI extends financial support to the corporate distribution networks, by providing both working capital finance and term loans to select dealers of identified companies. This gives dealers to leverage their business relationship with major corporates to avail low cost credit. Also, this type of financial solutions allows the corporate negotiate a better price with dealers. Dealer financing may be extended in the bill discounting form or simply as cash credit.

Channel Financing Channel financing is an innovative finance mechanism by which the bank meets the various fund necessities along your supply chain at the suppliers end itself, thus helping you sustain a seamless business flow along the arteries of the enterprise. Channel finance ensures the immediate realization of sales proceeds for the SBI clients supplier, making it practically a cash sale. On the other hand, the corporate gets credit for a duration equaling the tenor of the loan, enabling smoother liquidity management.

SBI has the worlds largest banking network of over 9,000 branches and this enables it to deliver the financial solution at your suppliers doorsteps, across the span of the country.

Equipment Leasing The SBIs has deployed a dedicated Strategic Business Unit for lease financing that is richly experienced in arranging lease contracts for procuring expensive equipment for your project or plant. At SBI, we arrange lease agreements as stand alone contracts or as part of a structured package.

Loan Syndication The SBI leverages its vast network of relationships to arrange syndicated credit products for corporate clients and industrial projects. With its rich experience and strong reputation, SBIs syndication desk can assemble large loan packages involving a ring of reputed financial entities, domestic and international, that match the large credit requirements of infrastructure projects.


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Transport Plus Purpose To finance new trucks/tankers/trailers/tippers/luxury buses including take over of existing similar loans from other banks/institutions. Eligibility Profit making Corporates/Non-corporates (surface transport operators) owning more than 10 well-maintained vehicles (including the proposed).

Quantum of finance Minimum Rs. 10 lacs and maximum Rs. 10 crores.

Repayment Term Loan: Maximum 5 years. Repayment will be in Equated Monthly Installments (EMI), starting two months after disbursement. Cash Credit: Repayable on demand, renewal every year.

EMI Calculator

Margin 20%

Eligible amount of finance Term Loan: 100 % of the cost of the chassis, inclusive of excise duty. Other expenses are to be borne by the borrower. Where body building is not required, 80 % of the cost of the vehicle will be financed. An additional Term Loan limit, subject to a maximum of 20% of the original limit may be sanctioned for repair of the vehicle, on or after the 3rd year if the loan account is regular.

Cash Credit : 80% of receivables.

Prepayment Term Loan: Maximum 1% p.a. on the pre-paid amount, for the residual period.

Rate of Interest For Term loans, 8.50% p.a. with monthly rests and for Cash Credit, 11.75% p.a. with monthly rests.

Security Primary: Hypothecation of vehicles financed as well as book debts.Collateral : i) At least 50% of the loan amount ii) Personal guarantee of promoters and two third-party guarantors.

Insurance As per Banks guidelines.

Applicability Metro/urban/semi-urban centers

Bill Finance The banks bill finance product helps you bridge the fund gap between the date of sale of products to the receipt of payments. The bank purchases the bill of exchange your company receives against a product sale, at a discount, thus doing away with the delay in realizing the receivables.

The extent of discounting would amount to the interest calculated till the payments for the original sale are realized, and will be determined on the basis of market interest rates as well as the credit rating of the borrower.

Cash Credit for Traders SBI cash credit can be in the form of a running account, similar to an overdraft secured by a charge on current assets, that meets the frequent cash requirements of your trading cycle.

Term Loan for Asset Aquisition The specialized product has been designed to help you purchase plant, machinery, land or other physical assets required during the growth and expansion of the your company.

Letters of Credit The SBI offers Letters of Credit to facilitates your purchases of goods in trading operations, both domestic and international. Backed by the SBIs strong reputation, you will be able to build better trust in trade and forge business relationships faster. The banks vast network of branches and correspondent banks enables your enterprise to sustain a seamless flow of business on a wide platform. Further, the banks informed trade finance crew can provide you with sophisticated credit and trade information and market knowledge, helping you extract more value from business.

Bank Gaurantees The SBI guarantees the creditworthiness or the business capacity of its clients through its financial and performance guarantees.

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Cash Management Product The bank offers a totally technology-driven cash management product, based on the satellite-linked SBI FAST (for Funds Available in the Shortest Time) platform that connects 120 centers spread across the country. Your cash collections can be pooled at these centers at competitive rates. Further, your cost centers at various locations can have a daily limit with the SBIs local branch which can be swept automatically into your main account located at your corporate center.

The SBI is planning to raise the number of its cash management centers to 500, which then would cover 90 per cent the banks corporate clients financial transactions. Q. What are the benefits of the SBI cash management product? The cash management solution ensures a comfortable liquidity position within your corporation always and will significantly bring down transaction time and cost. Further, the quicker, more efficient and better-controlled cash circulation can actually create profit opportunities for the company. The company will be better placed to forecast its cash positions and schedule related financial transactions accordingly.

Channel Financing Channel financing is an innovative finance mechanism by which the bank meets the various fund necessities along your supply chain at the suppliers end itself, thus helping you sustain a seamless business flow along the arteries of the enterprise. Channel finance ensures the immediate realization of sales proceeds for the SBI clients supplier, making it practically a cash sale. On the other hand, the corporate gets credit for a duration equaling the tenor of the loan, enabling smoother liquidity management. SBI has the worlds largest banking network of over 9,000 branches and this enables it to deliver the financial solution at your suppliers doorsteps, across the span of the country.

Construction Equipment Loan (CEL) : Line of credit for financing the requirement of existing construction companies, having credit rating of SB-1 to SB-8 (new model), to purchase new machines / equipments / vehicles for execution of construction projects / standard construction equipments.
Quantum : Rs 3.00 crores to Rs 100.00 crores. Pricing : Linked to the Base Rate of the Bank as per credit rating of the company. Tenure : upto 4 years Repayment : In monthly instalments. However, variable repayment programme can also be considered based on the cash flow of the company. Others : The loan may be disbursed in several tranches, subject to minimum 10% of the sanctioned amount for any tranche, within a period of maximum one year from the date of sanction depending on requirement of equipments / machinery / vehicles within the specified time frame.

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We are happy to announce that SBI Capital Markets Ltd. has expanded its retail broking network to help investors carry out their broking transactions with confidence. At present the investors can buy/sell shares at both NSE and BSE through their Retail Broking Centres in the cash market.We furnish hereunder the location of these Centres with full particulars of the contact persons.All investors can approach these branches for their broking needs. NAME AND ADDRESS AHMEDABAD SBI, DP CELL, CAG BRANCH 58, SHRIMALI SOCIETY NAVARANGPURA AHMEDABAD 380009 BANGALORE SBI LHO CAMPUS BEHIND SPB BRANCH ST. MARKS ROAD BANGALORE 560001 BARODA SBI, ALKAPURI, R.C. DUTT ROAD BARODA 390 007. BHOPAL STATE BANK OF INDORE TT NAGAR, BHOPAL 462003 CHANDIGARH STATE BANK OF PATIALA SCO 99 - 106 (GROUND FLOOR) SECTOR 8-C CHANDIGARH 160 017 CHENNAI SBI MAIN BRANCH NEW NO. 84, OLD NO. 22 RAJAJI SALAI CHENNAI 600001 INDIRANAGAR - CHENNAI SBI SPB BRANCH, PLOT NO. 4 TEACHERS COLONY, INDIRANAGAR ADYAR, CHENNAI 600020 COIMBATORE SBI MAIN BRANCH, STATE BANK ROAD DEALER MEHUL BHATT CONTACT NOS. 079-26460139 079-26420735


9845052934 080-30905247




92294-34681 0755-2677871


0172-5079240 0172-5075069 9855082085


044-52065997 9383121623


044-52607565 9884014367


9842616806 9894652646



040-55843302 9849223014


55313302 98660 09430


0731-2547517 9425067039


033-22481729 9830600116




0161-5001180 0161-5025634 9814740264


022-25020955 022-25020964 9819491971


022-22040385 9819084369


022-22631289/90 9892972163



011-23311777 011-309340001


9520-25539399 98232-59092


98427 99971 98948 19005


98257 06168 96


[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. 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 Your money will be credited to your account in 4 days. [at present, there are no charges for remittances over $100


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ELECTRONIC TRANSFER CHARGES (ALL SEGMENT) SL. No. Inter-Core Charges between our branches Transfer transaction between SBI branches Local/Outstation Cash Transaction between SBI Branches: Local /Outstation P-SegmentRs.25,000/- per day SME SegmentRs.2.00 lac per day Rs.2/- per 1000. min.Rs.10/per transaction Free P-Segments; (iv) Encashment of cheque at non home branch Max.limit:Rs.50,000/SME segment: Max.Limit:1.00 lacs Free upto Rs.50,000/Rs.2/- per 1000 above 50,000/Max. Amt. Charges


Subject to restriction for non-home transactions for different branches.




Deposit of cash at non-home CBS branches

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Sl No.


RTGS/NEFT/ECS CHARGES Transaction Items Charges Slab Upto Rs.10,000Rs.2.50 Upto Rs.1.00 Rs.5.00 lac NEFT Above Rs.1.00 Rs.15.00 lac to 2.00 lacs Above Rs.2.00 Rs.25.00 lacs

a) RTGS Customer Transactions (R-41) Time of settlement at the RBI From To 09.00 Hours After 12.00 Hours After 15.30 Hours b) RTGS 12.00 Hours

Transaction Slab

Chaqrges Rs.25 Rs.51 Rs.26 Rs.52 Rs.31 Rs.56

Rs.2.00 lacs to Rs.5.00 lacs Above Rs.5.00 lacs Rs.2.00 lacs to 15.30 Rs.5.00 lacs Hours Above Rs.5.00 lacs Rs.2.00 lacs to 16.30 Rs.5.00 lacs Hours (on week days) Above Rs.5.00 lacs Inter-Bnak Transactions (R-42)

Time of settlement at the RBI From To 09.00 Hours After 12.00 Hours After 15.30 Hours 12.00 Hours

Transaction Slab Rs.2.00 lacs to Rs.5.00 lacs Above Rs.5.00 lacs Rs.2.00 lacs to Rs.5.00 lacs Above Rs.5.00 lacs Rs.2.00 lacs to Rs.5.00 lacs Above Rs.5.00 lacs

Charges Rs.25 Rs.51 Rs.26 Rs.52 Rs.31 Rs.56

15.30 Hours 16.30 Hours (on week days)

NOTE: i) Charges are to be recovered from the account where the credit is afforded. However, no recovery shall be effected from the accounts of Vishesh Customers and holders of Savings Plus and Premium Savings Accounts. ii) Charges recovered are to be credited to the branch which puts through the transactions. iii) Circles have the discretion to reduce the maximum cash withdrawal limit per non-home transaction at non-chest branches. iv) Non-home transactions will be allowed to be conducted without any service

charges from all Staff/SBI Pensioners and Staff of Associates. i) ii) iii) iv) Above charges are applicable to all type of transactions, including interbank funds transfer (RTGS R-42). As above charges are all inclusive, no additional charges such as Courier charges, out of pocket expenses etc., need to be levied from the customers. The charges are applicable only to transactions originated and payable within India. To reduce the Clearing Cycle and to promote electronic mode of payment, the drawee branches should use electronic modes like RTGS/NEFT, wherever available, to remit proceeds to the collecting branches.

NOTE: CONCESSIONS IN SERVICE CHARGES i) Service charges for certain categories of customer like individuals in rural areas, pensioners and senior citizens, the service charges has been reduced to 50% of applicable prescribed charges in respect of following services : a) b) c) d) e) f) g) h) ii) iii) Issue of duplicate Passbook/statement of accounts. Issue of cheque books. Noting of Standing Instructions. Stop payment instructions. Charges for non-maintenance of minimum balance. Issue of balance certificate. Signature verification. Ledger folio charges.

No service charges will be levied for no frill accounts. BPR entities and Managers of Division will also exercise powers in respective grades as above in regard to concession in service charges.

The charges are inclusive of Service Tax and no separate recovery is required to be made


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(i) Home Loan Processing Fee Sl No. Items Loan Amount & Processing charges Upto Rs. 25 lacs 0.25% of loan amt. Min. Rs. 1000/Home Loan 1. Above Rs. 25 lacss and upto Rs. 75 lacs Rs. 6500/Above Rs. 75 lacs- Rs. 10,000/(ii) Processing Charges for Auto Loans Processing Sl No. Items charges 0.51% of Loan Amount: Min. Rs.1020/- Max. Rs.10200/ Rs.510/- (under Special 1. Salary Package) SBI Car Loan Rs.5100/- for Mercedes cars Rs. 500/ per application, till 31.03.2013 0.51% of Loan Amount : Min. Rs.1020/- Max. Rs.10200/2. NRI Car Loan Rs.5100/- for Mercedes cars Rs. 500/ per application, till 31.03.2013 0.51% of Loan Amount: 3. Used Car Loan Min. Rs.510/- Max. Rs.10200/0.51% of Loan Amount: 4. Certified Pre- owned Car Loan Min. Rs.510/- Max. Rs.10200/1.22% of Loan Amount: 5. Two-wheeler Loan Min. Rs.255/- Max. Rs 510/(iii) Processing Charges for other P Segment Loans Sl Processing Items No. charges 1. Xpress Credit 1.01% of Loan Amount SBI Saral (a) If credit score is 60 or 2. 2.02% of Loan Amount above (b) If credit score is 50 to 60 3.03% 0f Loan Amount 3. Festival Loan 1.01% of Loan Amount Personal loan against Mortgage 2.02% of Loan Amount 4. of Immovable Property Max. Rs.50,933/2.02% of Loan Amount 5. Rent Plus Max. Rs.1,01,,865/Loans to Emp. to purchase of 6. Rs. 2040/- per application ESOPs of their own Company

7. 8.


Loans for subscription of IPO. (a) For 1 Application Rs. 511/(b) For subsequent Application Rs.101/Equity Plus Rs. 2040/- per application Gold Loan (a) For loan upto Rs.25000/Rs. 511/1.01% of Loan amt. or Rs. (b) For loan above Rs.25000/1022/- whichever is higher

10. 11. 12. 13.

Advances against RBI Relief Bond Loan against Demat Units of Open Ended Schemes of SBI Mutual fund Career Loan Loan against the units of SBI Debt Fund Series

1.01% of Loan Amount

1.01% of Loan Amount 0.51% of Loan amt. 0.51% of Loan amt. Minimum Rs. 101/-


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Inter-city transaction for all e-Fright Intra-City Inter-city per transaction Upto Rs.20,000/Above Rs.20,000/- but upto Rs.5.00 lacs Above Rs.5.00 lacs

Service Charges. Free.

Rs.100/- per transaction.

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State Bank of India, the countrys largest commercial Bank in terms of profits,
assets, deposits, branches and employees, welcomes you to its Investors Relations Section. SBI, with its heritage dating back to the year 1806, strives to continuously provide latest and upto date information on its financial performance. It is our endeavor to walk on the path of transparency and allow complete access to all the stakeholders enabling total awareness about the Bank. The Bank communicates with the stakeholders through a variety of channels, such as through e-mail, website, conference call, one-on-one meeting, analysts meet and attendance at Investor Conference throughout the world Please find below Banks financial results, analysis of performance and other highlights which will be of interest to Investors, Fund Managers and Analysts. SBI has always been fundamentally strong in its core business which is mirrored in its results year after year.

Heading Current Information Q1 FY 2013-14 Results FY 2012-13 Results Q3 FY 2012-13 Results Q2 FY 2012-13 Results Q1 FY 2012-13 Results FY 2011-12 Results Q3 FY 2011-12 Results H1 FY 2011-12 Results Q1 FY 2011-12 Results FY 2010-11 Results SBI Q3FY 2010-11 Results

Contents Press Release Q1 FY 2014 Abridged Profit & Loss Q1 FY 2014 Analyst Presentation Q1 FY 2014 Press Release FY 2012-13 Abridged Profit & Loss FY 2012-13 Analyst Presentation FY 2012-13 Press Release Q3 FY 2013 Abridged Profit & Loss Q3 FY 2013 Analyst Presentation Q3 FY 2013 Press Release H1 FY 2013 Abridged Profit & Loss H1 FY 2013 Analyst Presentation Q2 FY 2013 Press Release Q1 FY 2013 Abridged Profit & Loss Q1 FY 2013 Analyst Presentation Q1 FY 2013 Press Release FY 2011-12 Abridged Profit & Loss FY 2011-12 Analyst Presentation FY 2011-12 Press Release Q3 FY12 Abridged Profit & Loss Q3 FY12 Analyst Presentation Q3 FY12 Press Release H1 FY12 Abridged Profit & Loss H1 FY12 Analyst Presentation H1 FY12 Press Release Q1 FY12 Abridged Profit & Loss Q1 FY12 Analyst Presentation Q1 FY12 Press Release FY11 Abridged Profit & Loss FY11 Analyst Presentation FY11 Press Release Q3 FY11 Abridged Profit & Loss Q3 FY11 Analyst Presentation Q3 FY11

SBI H1FY 2010-11 Results SBI Q1FY 2010-11 Results

SBI FY 2009-10 Results

Press Release H1 FY11 Abridged Profit & Loss H1 FY11 Analyst Presentation H1 FY11 Press Release Q1 FY11 Press Advertisement Q1 FY11 Abridged Profit & Loss Q1 FY11 Analyst Presentation Q1 FY11 Press Release FY10 Press Advertisement FY10 Abridged Profit & Loss FY10 Analyst Presentation FY-10 Analyst Presentation Q3 FY10 Press Release Q3 FY10 Press Advertisement Q3 FY10 Notes to Press Advertisement Q3FY10 Abridged Profit & Loss Q3 FY10 Analyst Presentation H1 FY10 Press Release H1 FY10 Press Advertisement H1 FY10 Abridged Profit & Loss H1 FY10 Analyst Presentation FY-09 Press Release Q1 FY10 Press Advertisement Q1 FY10 Abridged Profit & Loss Q1 FY10 Analyst Presentation FY-09 Press Release FY-09 Press Advertisement FY-09 Abridged Profit & Loss FY-09 Press Release Abridged Profit & Loss Unaudited Financial Results for the period ended 31st December 2008 Notes Analyst Presentation Press Release Abridged Profit & Loss Unaudited Financial Results for the Half Year Ended 30th September 2008 ANALYST PRESENTATION - H1FY09

SBI Q3 FY 10

H1 FY10


FY 2008-09 Results

Q3 FY 2008-09 Results

SBI H1 FY-09 Results

Press Release in connection with Q1FY09 results Comparison of Performance (abridged Profit and Loss
Q1FY08-09 Results Account) Q1FY 09 Audited Financial results for the year ended 30th June 2008 Analyst Presentation FY08 Press Release FY 08 Press Advertisement FY08

FY 2007-08 Results

Historic Data

Share holding Pattern as on 31st March 2010 SBI Financial Highlights: Past 7 years P & L Account Details of SBI Group for the year 2010 11 State Bank Group Financial Highlights 2006 11

State Bank Group Data