Arohan 2017 1

Promotion from Clerical to Officer Cadre
Under
Trainee Officer
&
OJMGS
OJMGS-I (Merit
Merit Channel)
Channel
(Promotion Year 2017
2017-18)
vkjksg.k&2017
Compiled by
Neeraj Kumar Sahu

Trainee Officer-2015
Officer
Updated up to: 25.06.2017
Compiled by: Neeraj Kumar Sahu (Trainee Officer
Officer-2015) Page 1
Foreword
Dear Readers,
It is my honour and privilege to bring out a new series of

“vkjksg.k - 2017” duly updated up to 25.06.2017, for the
promotion year 2017-18. This series will assist the aspirants
in preparing well and acquiring requisite knowledge in
various segments of banking to get through the tests.
The contents compiled by me is based more on the current
developments as per the circulars / instructions / guidelines.
Every effort has been made by me while preparing this series
to avoid errors. However, readers may refer to the relevant
circulars / guidelines of the bank, for more details.
Let the success be with our readers.
All the best
Feedback and suggestions are warmly welcomed

Neeraj Kumar Sahu
Trainee Officer-2015
Lucknow Circle
neeraj.sahu@sbi.co.in
Mobile- +919918003642
Compiled by: Neeraj Kumar Sahu (Trainee Officer-2015) Page 2

***Syllabus***
(Trainee Officers Examination – Revised Test pattern)

Particulars No. of
Marks
Questions
Section-I : 120 Questions (120 Minutes)
General Awareness about Banking Environment, KYC, Legal Issues 20 20
General Banking, handling of customer grievances and Preventive Vigilance (The test will
contain passages relating to practical day-to-day situations in branches/offices, about 10-15 20 20
lines with 5 objective questions on each passage to identify the best option)
Knowledge about products & services of our Bank including retail finance, our associates,
& subsidiaries and of other banks. (Focus on USPs of our products & services) and 20 20
Financial Inclusion.
Knowledge of CBS and other IT products in use in the Bank and IT related security
20 15
concerns.
Alternate Channel Products 20 10
Latest Financial results, performance indicators of the Bank and Productivity &
20 5
profitability related concerns of the Bank, Organizational Structure and History.
SECTION: II (Qualifying marks 50% For General & 45% For SC/STs): Duration 30 Minutes)
Writing Essay on banking related topics (250 words)

1 out of 3 20
(For evaluating comprehension skill and communication skill).
TOTAL(Overall qualifying marks 65% For General & 60% For SC/STs)::
121 100
Duration 150 Minutes
(Officer JMGS-I Examination – Revised Test pattern)

Particulars No. of
Marks
Questions
Section-I : 120 Questions (120 Minutes)
General Banking, KYC, Legal Issues, System & Procedures in our Bank 50 25
CBS & Computer Awareness, computer security related questions 20 15
Products & Services of the Bank, Associates & Subsidiaries, Other banks, Alternate
30 15
Channel & IT Products, Financial Inclusion.
Latest Financial results, performance indicators of the Bank and productivity

10 5
& profitability related concerns of the Bank.
Objective type questions on practical problems in general banking 10 20
General Awareness 10 10
Organisational Structure & Policy guidelines of the Bank 10 10
Total (Duration : 150 minutes) 140 100

(General Awareness about Banking Environment, KYC, Legal Issues & General Banking)
Sl. No. Questions Answers
01 Prime Minister vision of providing “Housing for All” by Year 2022
Retail hypermarket chain Star Bazaar, a joint venture between TATA and
02 _______the has entered into a partnership with SBI Cards and TATA UK Retailer Tesco
Capital to launch a Credit Card.
SBI has launched a card for cashless drive through toll plazas for its
03 SBI Fastag
customers named
RBI puts restriction on _____ Bank to for bank’s lending and branch
04 UCO Bank
expansion
05 First Bank to face restrictions from RBI for bank’s lending IDBI Bank
_____ Bank has become the first lender to classify Videocon Industries as
06 Dena Bank
a Bad Loan. Total Exposures of Videocon is Rs. 40000 Crore.
HDFC Life has entered into a bancassurance tie-up with _____ to
07 distribute its individual life insurance products to the private lender’s Catholic Syrian Bank
customers.
08 After AIRTEL and INDIA-POST who got the license as a Payment Bank? PayTM
Karnataka Bank Ltd has entered into a tie-up with ____ for selling life
09 Life Insurance Corporation (LIC)
insurance policy of _____.
Karnataka Bank Ltd has entered into a tie-up with ____ to sell the Mutual
10 HDFC Asset Management Ltd.
Fund products of ______.
Federal Bank, in association with Geojit, has launched a new Trading
11 “Selfie”
Platform called___ for customers.
Which bank and IFFCO rolled out their first set of co-branded debit cards
12 Bank of Baroda
for farmers with inbuilt overdraft limit od Rs. 2500/-
13 Cashkaro.com ties-up with ____ Bank to launch card-linked offers. YES Bank
HDFC Life announced the launch of an AI (artificial intelligence) based
application, named _____ that can automatically read, understand,
14 “SPOK”
categorize, prioritize, and respond to customers emails sent to the private
insurer.
15 Bank Board Bureau (BBB) is headed by Vinod Rai
Asian Development Bank (ADB) and _____ bank has signed a $100
16 Punjab National Bank
million loan to finance solar rooftop projects
India’s growth is expected to rebound to 7.2% in the 2017-18 fiscal and
17 7.7% (in 2018-19)
____% in 2018-19.
18 FICCI predicted India’s GDP growth will be ____ for 2017-18. 7.4%
19 FICCI predicted the growth in Industry sector will be ____ for 2017-18. 6.9%
20 FICCI predicted the growth in Service Sector will be ____ for 2017-18. 8.4%
21 FICCI predicted the growth in Agriculture will be ____ for 2017-18. 3.5%
22 How Many Tax Slabs are there in GST? 4 Slabs (5%, 12%, 18% & 28%)
23 Principal Adviser of NITI Aayog. Shri Ratan P. Watal
24 CEO of NITI Aayog. Shri Amitabh Kant

The Real Estate (Regulation and
25 Expand RERA (comes into force w.e.f. 01.05.2017)
Development) Act 2016
26 GOI has revised base year of WPI & IIP from 2004-05 to ____ 2011-12
GOI launches “eSanad” for online document verification, which education
27 CBSE Board
board has become first one to be partner with MEA for “eSanad”
28 “Darwaza Band” campaign launched by GOI is related to___ For toilet use in Rural areas
29 Facebook has launched Express WiFi in India with telecom operator____ Bharti AIRTEL
Union Cabinet approved cooperation between India and ____ on railway
30 Japan
safety.
As per Swacch Survekshan 2017 ranking _____ is the cleanest city and Cleanest (Indore)
31
___ is the least clean city. Least clean (Gonda)
32 Country first bio-refinery plant is inaugurated in____ Pune

33 The Fastest train in India named__. (First run between Mumbai-Goa) TEJAS express
34 ____________ becomes first Indian to win Asian Squash title. Joshna Chinappa
35 ____________ becomes first Indian to win a GP3 race. Arjun Maini
36 International Cricketer of the year is_____. Ravichandran Ashwin
37 _____ Fast bowler, becomes world’s highest wicket taker in women ODIs. Jhulan Goswami
38 ____ will introduce boat ambulance in four districts Odisha
39 Nitin Gadkari launches NHAI’s Masala Bond in___ United Kingdom
40 Chairman of Indian Council of Social Science Research (ICSSR) Braj Bihari Kumar
41 New CEO of PayTM payment bank is___ Renu Satti
42 ____ will be new head of WHO w.e.f. 01.07.2017. Tedros Adhanom

Web portal launched by Department of Telecom for information sharing
43 Tarang Sanchar
on Mobile Towers (to check Electro-Magnetic Radiation (EMF))_____.
First state in India to switch to the January-December financial year from
44 Madhya Pradesh.
existing April-March cycle is___
45 SEBI was established in 1992. Chairman of SEBI is___ Ajay Tyagi
46 Part-time Chairman of UIDAI, J. Satyanarayana
47 CEO of UIDAI ____ Ajay Bhushan Pandey
48 NASSOCOM chairman is___ Raman Roy
49 NABARD chairman is___ Harsh Kumar Bhanwala
50 Chairman of CBDT (Central Board of Direct Taxes) _______ Sushil Chandra
51 “Bhilar” will become India’s first “book village” (Bhilar is located in___) Maharashtra
52 The first city in the world to get it own Microsoft font_____ Dubai
53 Name the India’s first woman International Olympic Committee member. Nita Ambani
Name the finance company that has recently launched India’s first and the
54 Edelweiss Tokio
simplest life insurance product that can be bought at POS.
55 SBI Card slashed fuel surcharge to __ % from 2.5%. 1%
56 SBI is offering Skill Loan up to Rs. ____ Lacs. 1.5 Lacs
57 RBI has appointed ___________ as new Executive Director. Smt. Malvika Sinha
RBI has said all the existing Asset Reconstruction Companies (ARCs)
58 31st March 2019
must have a minimum Net-Owned Fund of Rs. 100 crore by____.
59 Which private bank has tied-up with Wells Fargo for US remittances ? Axis Bank
RBI says, total settlement batches for NEFT will be increased from 12 to
60 23 settlement batches
_____.
Governance, Reward and
61 Expand “GRAF”
Accountability Framework
Gujarat International Finance
62 Expand “GIFT City”
Tec-City
63 World bank predicts Indian Economic growth will be ____ in 2017-18. 7.2%
______ has become the first state to launch a special awareness drive to
64 Maharashtra
ensure that transgender in the state register as voters in greater numbers.
65 ___ is to have India’s first privately run railway station. Bhopal
66 Which country officially recognizes Bitcoin as Currency ? Japan

India ranks at ___ in the world in terms of its total contribution to the th
67 7
country’s GDP.

68 Book on Drupadi named “The Flaming Tresses of Drupadi” written by M. Veerappa Moily
Manappuram Finance Ltd to launch its own co-branded prepaid card in the
69 YES Bank
tie-up with ____
Which state has launched mobile app “Kilkari” to create awareness among
70 Haryana
pregnant Women.
71 IBBI (Insolvency and Bankruptcy Board of India) Chairman is____ M.S. Sahoo
YES Bank announced the alliance with ______ under which the bank will
72 Paisabazaar.com
offer conditionally approved loans to the later’s existing customers.
73 e-SOT and e-PRAN card launched for APY. Expand e-SOT Statement of Transaction
74 India’s first ever micro-drama festival named Thepis held in_____. New Delhi
Nearly 4 crore members of ___ will soon be able to settle their claims
75 EPFO
through the mobile application UMANG ?
76 Expand “UDAN” Ude Desh Ka Aam Naagrik
IMF projected a marginally higher than expected growth of the world
77 3.5%
economy at ___% in 2017.
78 IRDA Chairman is T. S. Vijayan
79 IRDA Headquarter is situated in____ Hyderabad
80 Annual Business Standard Award “Banker of the Year” ___ Aditya Puri (MD of HDFC Bank)
81 IBA’s Chairman is____ Rajeev Rishi
82 CEO of IBA (Indian Bank’s Association) is ____ V G Kannan.

Directorate General of Foreign
83 DGFT stands for______
Trade
84 How many capital buffers were recommended by Basel-III? Three
85 ________ recently entered the mortgage loan market in UK? State Bank of India
86 MCX relates to________ Multi Commodity Exchange
87 Expand “ETF” Exchange Traded Fund
88 Chairman of NSE (National Stock Exchange) Ashok Chawla

____will become first in the world to run all government ports on green
89 India
energy?
90 Expand “IFRS” International Financial Reporting Standards
91 Expand “IASB” International Accounting Standards Board
92 WMA stands for ___ Way and Means Advances
93 SBI recently opened it’s second Branch in China at____ Tianjin
94 Chairman of Central Board of Excise & Customs (CBEC)____ Vanaja N. Sarna

India’s first international stock exchange “India International Exchange”
95 Gandhi Nagar (Gujarat)
has been launched in___
96 Chairman of the Financial Stability and Development Council (FSDC) Finance Minister
97 UPSC Chairman is___ David R. Syiemlieh
98 GST Council is headed by____ Union Finance Minister

National Institution for
99 NITI Ayog stands for____
Transforming India
100 Name the official on-board magazine of Indian Railways____ Rail Bandhu
World bank has signed an agreement with GOI to lend ___ towards its
101 $ 1.5 Billion
effort to launch the Swacch Bharat Mission Initiative.
102 R-GDS stands for___ Revamped Gold Deposit Scheme

103 Country’s first IFSC Banking unit was set up by___ YES Bank
104 Maximum No. of directors in Public Limited Co. is increased to___ 15 Directors. (Minimum-3)
105 Treasury Bills are issued in ____ tenures. (Minimum of Rs. 25000/-) Three (91, 182 & 364 Days)
106 RBI’s Financial Year is 01 July to 30 June Every Year
107 ______ Bank is first bank to use Software Robotics. ICICI Bank
PFRDA has allowed Private Sector employees to contribute upto ___% in
108 75%
equity but upto 35 years of age.
109 ________ has issued India’s first Life Insurance IPO. ICICI Prudential Life Insurance
110 Minimum Wage has been increased from Rs. 256/- to Rs. ___ per day. Rs. 350/- Per day.
DAY-NRLM (Deen Dayal Abtyoday Yojana-National Rural Livelihood
111 Mission) scheme is for Women SHG in rural area only and Nodal bank for CANARA Bank
subvention is____
112 Health Indicator- India has been ranked ____ out of 188 Countries. 143rd
113 Form 15G/15H must be retained for ___ years. 07 Years
114 SEBI complaint Redressal System called___ SCORES
115 RBI complaint Redressal System called___ SACHET
116 IRCTC offered travel insurance for the premium of Rs.____ Rs. 0.92 per person
117 iMobile Smart Key is an initiative of ____ ICICI Bank
118 Global Innovation Index-India ranks___ out of 128 countries. 66th
119 Book “The Rise and Fall of the Nation” is written by___ Ruchir Sharma
120 JAM stands for Jan Dhan Aadhar-Mobile

_____ becomes first company to get RBI approval for debt recast under HCC (Hindustan Construction
121
S4A (Scheme for Sustainable Structuring of Stressed Assets) scheme Company)
122 SBI entered into contact with Flipkart to offer EMI facility @ ___% 14%
123 ___ Bank has set up “SME Bank” complete digital banking for SME units. HDFC Bank
124 First Bank to raise capital via India’s first Masala Bond is ___ HDFC Bank
125 Human Capital Index- India ranks ____ out of 130 countries. 105th
126 Pensioner helpline no. is____ 1800110009
127 New website address of our bank is___ https://bank.sbi
128 Govt of India hold share in SBI (as on 31.03.2017)___ 61.23%

Support to Training &
129 STEP Scheme is for Women. Expand STEP__
Employment Programme
130 SAHAJ Yojana is related to LPG connection, PAHAL relates to___ LPG Subsidy
131 SMS Unhappy no. is____ 8008202020
132 GOI has set the inflation target for next 5 Years is___ 4% (upto year 2021)
Central Repository of Information
133 Expand CRILC
on Large Credits
As per World economic forum’s Global Competitiveness Index 2016-17,
134 39th
India ranks ____ out of 138 countries.
135 SBI inaugurates its 199th Foreign Office in___ GIFT City, Gujarat
Public Sector Asset Rehabilitation
136 “PARA” Stands for
Agency
137 Expand “gLTD. Generic Top Level Domain
138 Olympic 2020 will be held in ___ TOKYO
139 ADB forecasts India’s growth rate during 2017-18 at ___% 7.8%

140 “BERI” stands for Bank Exposures Risk Index
141 Budget proposes to bring down the Fiscal Deficit in year 2017-18 at ___% 3.2%
142 Expand “SMAC” Social Media Mobile Analytics Cloud
143 Nobel Peace Prize has been awarded to ___ Juan Manuel Santos
144 RBI announces to celebrate 05.06.2017 to 09.06.2017 as___ Financial Literacy week
145 SBI’ cloud name is___ Meghdoot
146 CIBIL new name is___ Transunion CIBIL Ltd.

____ Bank is included in the list of First Class Banks (FCB) and J&K
147 IDFC Bank
bank removed from the List.
Depositors Education and
148 “DEAF” account stands for___ (DEAF Account No- 161001006009)
Awareness Fund
149 Global Hunger Index, Index ranks at ___ 97th
150 TATA Sons Chairman is Natarajan Chandrasekaran
151 GOI dreams to double the income of farmers by ____ Year 2022
152 Minimum Paid up capital for Small Banks are__ Rs. 100 Crore
153 Expand “BBPOU” Bharat Bill Payment Operating Unit
154 360 degrees feedback is Boss Appraisal
155 “City union Bank” has launched first ROBO for banking named___ LAKSHMI (in Chennai)
156 MD & CEO of City Union Bank N.Kamakodi

3.9% (Now SBI shares in SBI
157 SBI sells __% stake (Rs. 1755 Crore) in SBI Life to KKR & Temasek.
Life is 70.1%)
158 First, ever Bank in India to launch Aadhar Pay. IDFC Bank
159 MD & CEO of SBI Card Vijay Jasuja
160 First bank to provide EMI facility is_________ ICICI Bank
161 World Bank President is____ (Heqd Quarter- Washington) Jim Yong Kim
162 The Managing Director & CEO of IMF is____ (Heqd Quarter- Washington) Christine Lagarde
163 Head Quarter of WHO (World Health Organisation) is in_____ Geneva Switzerland
164 Head of WTO is (H.Q.- Geneva Switzerland) Roberto Azevedo
165 Asian Development Bank (ADB) head is __ (H.Q.- Philippines) Takehiko Nakao
166 United Nation President is ____ (H.Q.- New York City, USA) Peter Thomson
167 Director General (Head) of UNESCO___ (H.Q.- Paris, France) Irrina Bokoa
168 Head of UNICEF___ (H.Q.- New York City, USA) Anthony Lake
169 National Development Bank President_____(H.Q.- Sanghai, China) K.V. Kamath
170 As per second bi-monthly monetary policy statement- SLR & CRR % SLR-20% & CRR-4%
171 As per second bi-monthly monetary policy statement- REPO Rate % 6.25%
172 As per second bi-monthly monetary policy statement- Reverse REPO % 6.00%
173 Bank Rate & Marginal Standing Facility (MSF) % 6.50%
174 RBI has projected economic growth at ___% for current fiscal year. 7.3%
175 Next Football world cup will be organized in___ Russia (in 2018), Qatar (in 2022)
176 SBI has install its ATM in which aircraft carrier ? INS VIKRANT

177 New Deputy Governor of RBI is___ Viral Acharya
178 Which bank had recently blocked all UPI txn____ ICICI Bank
Payments banks like India Post Payment Bank can accept deposits up to
179 Rs 1.00 lakh
____per account from individuals and small businesses.
The Reserve Bank of India (RBI) has opposed a move to establish a
180 separate entity to regulate payments and settlements as recommended Ratan Watal Committee
by_______ for Digital Payments.
Micro Unit Development
181 MUDRA stands for_____
Refinance Agency
182 Dr. Bhim Rao Ambedkar’s birthday (14 April) is celebrated as___ Water day
What is name of project to infuse rs. 70000 crore in Banking industry in
183 INDRADHANUSH-2
next 4 year ?
184 First bank to give access to e-docs on digilocker ____ Kotak Mahindra Bank
185 “F&A” relates to___ Cashless Economy
th
186 IMF has included ____ currency as 6 Currency. China Currency
187 Donald Trump is ____ president of USA. (Related to Republican Party) 45th
Which private bank has won the prestigious Golden Peacock Innovative
188 YES Bank
Product/Service Award 2017 (in Financial Sector banking).
SBI entered into agreement with Germany’s _____ for Rs. 1800 Crore
189 KFW Development Bank
($274 Million) Loan facility for affordable housing.
SBI to purchase 34% shares from its joint venture GE Capital to increase
190 74%
its shares from 60% to ___% in SBI Card.
191 SBI wants its ______ branch to convert into representative office. Paris Branch
SBI offers Credit Card facility under “UNNATI card” Minimum and
192 Min-20000; Max-5.00 Lacs
Maximum limit of these cards are___
193 Under SBI UNNATI Card, SBI exempts for annual fee for ___years. Next 4 Years.
194 CIO (Chief Information Officer) of SBI____ Mrityunjay Mahamatra
Presently Fiscal deficit is 3.2% of GDP. GOI targets for Fiscal Deficit Fiscal Deficit 3% and
195
at____% and Revenue Deficit at____%. Revenue Deficit 1.9%
196 Holding period for long term capital gain lowered to __ years 2 years
International Year of Sustainable
197 United Nations declares year 2017 to celebrate as__
Tourism for Development
198 India’s first fully organic State is____ Sikkim
199 ___ state has come up with India’s first student start-up and innovation. Gujarat
200 SIMsePAY facility launched by ____bank. YES Bank
201 Indian girl ___ has got International Children Peace price-Green Hope. Kehkashan Basu
202 (a) Book “An era of darkness” written by Shashi Tharur
____won his first Grand Slam title after triumphing in the mixed doubles
202 (b) Rohan Bopanna
final of the French Open in June-2017.
Note 2000 = 66 X 166
203 Sizes of Rs. 2000 & Rs. 500 note are____
Note 500 = 63 X 150
204 PM, Shri Modi has launched –“Saur Sujala Yojana in _____ Chhattisgarh
205 First state to adopt fully DBT in Kerosene ____ Jharkhand
206 Expand CKYCR____ Central KYC Records Registry
207 Income Tax Department platform for grievances redressal is_____ E-Nivaran
208 New Director of CBI (Central Bureau of Investigation) is___ Alok Kumar Verma
209 President of ASSOCHAM ____ Sandeep Jajodia
210 Chief Customer Officer of SBI is____ Shri Rajeev Ranjan Sharma
211 (a) First women foreign secretary of Pakistan is ___ Tehmina Janjua
Overdrafts upto ₹ 5,000/- under Pradhan Mantri Jan-DhanYojana (PMJDY) accounts, provided the borrowers’
211 (b)
household annual income does not exceed ₹ 100,000/- for rural areas and ₹ 1,60,000/- for non-rural areas
211 (c) Individual women beneficiaries up to ₹ 1 lakh per borrower (Comes under Priority Sector Lending)
211 (d) Expand PSLCs Priority Sector Lending Certificates

212 Payment Bank is recommendation of ___ Nachiket Mor
213 Fraud above ____ to be reported to CVC. Rs. 1.00 Crore
214 Age of Chairman of DRT & DRAT revised to ____ DRT-65 Years; DRAT-67 Years
215 Expand “PPP” Purchasing Power Parity

Bretain’s Exit from the European
216 Expand “BREXIT”
Union
217 Which state became first Indian state to use Automated Weather Stations Maharashtra
th
Which tennis player has won the Barcelona Open title for a record 10
218 Rafael Nadal
time?
_____has been appointed as the Chairperson of the Public Accounts
219 Mallikarjun Kharge
Committee (PAC) of the Parliament.
_______has stated that Indian economy will grow 7.4 % in 2017-18 and
220 Assian Development Bank
7.6% in 2018-19
Electronic Vaccine Intelligence
221 Expand e-VIN.
Network
In a first of its kind transaction in India,________enabled end to end trade
222 Kotak Mahindra Bank
financing for one of its clients by applying the blockchain technology.
50th annual meeting of the Asian Development Bank (ADB) Board of
223 Japan
Governors was held from 4th– 7thMay 2017 in___
Which internet-based interface has been launched by Union Agriculture
224 and Farmers Welfare Ministry for welfare and development of agricultural e-Krishi Samvad
stakeholders in India ?
Indian has ranked _____ among 40 countries on ‘Renewable Energy nd
225 2
Country Attractiveness Index’ 2017 released by Ernst and Young (EY)
India has ranked ______ in World Bank’s electricity accessibility ranking
226 26th
for the current year
India has launched the process to export ‘Ujala’ to ___________with
227 United Kingdom
affordable ‘Made in India’ LED bulbs
India has ranked at which position on health care index in Lancet medical
228 154th
journal’s report titled ‘Global Burden of Disease ?
____has become the first private airline to get a licence to fly under
229 Turbo Megha Airways
UDAN, the government’s regional connectivity scheme.
230 Author of the book ‘Metaphysics, Morals and Politics’ Amal Kumar Mukhopadhyay
231 Author of the book “India 2017 Yearbook” Rajiv Mehrishi

___has launched a national hackathon for developers, startups and students
232 State Bank of India
to come up with innovative ideas and solutions for the banking sector?
233 ___is the highest ranked Indian firm in 2017 Forbes ‘Global 2000’ list? Reliance Industries Ltd.
234 New Chairman of Internet and Mobile Association of India(IAMAI)____ Rajan Anandan
PM Modi laid the foundation stone for an Indian Agricultural Research
235 Dhemaji
Institute (IARI) in which district of Assam ?
52nd Annual Meetings of the African Development Bank (AfDB) were
236 Gandhi Nagar, Gujarat
held from 22ndto 26th May 2017 in____
______has earned the distinction of becoming India’s first city with
237 Nagpur
electric mass mobility system.
238 Apple has opened its first Southeast Asia store in which country___ Singapore
_____has overtaken Oil and Natural Gas Corp (ONGC) to become India’s
239 IOC (Indian Oil Corporation)
most profitable public sector undertaking (PSU).
240 43rd G7 summit was held on May 26–27, 2017 in which country Italy
As per ‘India Development Report’ released by World Bank on May 29,
241 2017, India ranks _______ among 131 countries in terms of women 120th
participation in the workforce.
242 __will become first in the world to run all government ports on green energy? India
SBI creates wholly-owned subsidiary (SBIIMS) to manage real estate. SBI Infra Management Solutions
243
Expand SBIIMS. Pvt. Ltd.
SBI Exclusif, The Wealth Management Services of our bank was launched
244 Kochi
at ____.
Financial Advisory Branch for
245 What is “SBI InCube” ?
Start-ups

246 Risk Awareness Day / Jokhim Jagrukta Diwas” is observed every year on 1st September
247 Partial freezing means Disallow All Debits

Bank has set up AML/CFT Cell (earlier knows as KYC AML CELL), at
248 Jaipur. It will be analyzing the alerts on transactions handled across the AMLOCK
Bank with the help of the software___
249 “KYC compliance and Fraud Prevention Day” is celebrated on___ 1st August
250 NGOs/NPOs promoted by UN or its agencies are classified as___ Low Risk
251 All Inoperative accounts are classified as ____ Medium Risk
252 PRM (Proactive Risk Manager) software is 11nalyzing alerts, based on__ ATM, POS & e-Com
253 Bank has decided to observe ____ of every year as “AML-CFT” Day 2nd November
254 “Customer” has been defined under_____ KYC Guidelines

Primary responsibility of ensuring KYC compliance in respect of all
255 Parent Branch
accounts maintained with BCs will rest with the___
256 Expand CDD. Customer Due Diligence
Full KYC exercise will be required to be done at least every ______ years
257 10, 8, & 2 Years
for low, medium and high risk individuals and entities respectively
258 KUA stands for KYC User Agency
259 CMP Centre is situated in ____ Mumbai
260 OCI stands for___ Overseas Citizen of India

Any deposit or any amount remaining unclaimed for more than ten years
261 shall be credited to the Fund, within a period of _______ from the expiry 3 Months
of the said period of ten years.
262 (a) UCIC stands for (as per RBI) Unique Customer Identification Code
262 (b) UCIC stands for (as per State Bank of India) Uniform Customer Identification Code
263 BSBDA (Basic Savings Bank Deposit Accounts) are___ Full KYC Compliance
264 KYC Policy is reviewed by RBI every year on___ 01st July
265 FIU-IND stands for__ Financial Intelligence Unit-India
266 Maximum Limit of Threshold can be___ Rs. 10.00 Lacs
267 Threshold in case of business___ (But not exceeding Rs. 10.00 Lacs) Equal to One Month’s Turnover
268 Threshold in case of salaried___ (But not exceeding Rs. 10.00 Lacs) Equal to 3 months’ Salary
269 (a) NRI customers are classified as___ High Risk
269 (b) Bullion Dealers /Jewelers, Pooled Account & Account of Mules are___ High Risk
Bank which is incorporated in a country where it has no physical presence
270 Shell Bank
and is not affiliated to any regulated financial group___
In terms of PML Amendment Act 2012, banks/Fis should maintain for at least
271 5 Years
___years from the date of transaction between the bank/FI and the client
The CTR (Cash Transaction Report) for each month should be submitted
272 15th of the succeeding month
to FIU-IND by__
The STR (Suspicious Transaction Reports) should be furnished within
273 _____of arriving at a conclusion that any transaction, whether cash or non- Seven Days
cash, or a series of transactions integrally connected are of suspicious nature.
CRR (Counterfeit Currency Report) for each month should be submitted to
274 15th of the succeeding month
FIU-IND by__
Credit/Debit summations of Rs.
Risk Categorization in case of Medium Risk Customer depends upon
275 50.00 Lacs to below Rs. 2.00
(Individual) (Less than 50 Lacs-Low risk and More Than 2.00 crore-High Risk)
Crores per annum
Credit/Debit summations of Rs.
Risk Categorization in case of Medium Risk Customer depends upon
276 2.00 Crore to below Rs. 10.00
(Non-Individual) (Less than 2 Cr.-Low risk and More Than 10.00 crore-High Risk)
Crores per annum
FATF (Financial Action Task Force on Money Laundering) also known as
277 PARIS
GAFI (Grouped action financier) has its head quarter in__
278 CFT stands for__ Combating Financial Terrorism

279 Stock Brokers, Pawn Shops, Telemarketers & Auctioneers are____ Medium Risk Customers
280 AMLOCK software has been acquired from___ M/s 3i-Infotech
281 No frill accounts has been replaced with___ BSBD Accounts
Positive confirmation (obtaining KYC related updates through email
2 Years- for Medium Risk
/letter/telephonic conversation /forms/interviews/visits, etc.), will be
282
required to be completed at least every _____years for medium risk and at
3 Years- for Low Risk
least every ____ years for low risk individuals
Bank has decided to fix following thresholds in AMLOCK Software, Low Risk- 50 Lacs
283 subject to review from time to time, for filtering transactions and Medium Risk- 30 Lacs
generating STR alerts. High Risk- 10 lacs
KYC verification of all the members of SHG need not be done while
284 opening the savings bank account of the SHG; KYC verification of all the All the office bearers
_____would suffice.
285 PEP stands for ____ Politically Exposed Persons
286 “Non Face to Face” customers are___ High Risk
01 Aggregate of all credits in
a financial year does not
exceed
Rs. 1.00 Lac
287 ‘Small Account’ means a savings account in a banking company where (ii) Aggregate of all withdrawals
and transfers in a month does not
exceed Rs. 10000/-
(iii) Balance at any point of time
does not exceed Rs. 50000/-.
288 Small Accounts can be opened only in___ by authorized signatories. Only in Branches (Not in CSP)
289 Who can be guardian in case of Insane person ? Close Blood Relative Only
290 PIO Stands for Person of Indian Origin
291 National Voters’ Service Portal (NVSP) website to verify Voter ID__ http://electoralsearch.in/
Cash Txn of –Rs. 10 Lacs & above and Suspicious nature to be recorded
292 10 years
up to ___ Years.
293 (a) CMP cheques with facsimile signature up to Rs. ___ Lacs. Rs. 10.00 Lacs
293 (b) Facsimile signature upon CCPAP cheques upto__Rs. Lacs Rs. 5.00 Lacs
 Super Affluent = Annual Income > Rs. 50 Lacs
 Affluent = Annual Income > Rs. 12 Lacs up to Rs. 50 Lacs
294 Customer Classification-  Mass Affluent = Annual Income > Rs. 2 Lacs up to Rs. 12 Lacs
 Mass = Annual Income > Rs. 70000/- up to Rs. 2.00 Lacs
 Lower Mass = Annual Income < Rs. 70000/-
 Deposit of Rs. 5.00 Lacs & more
295 Vishes Customer Classification-  Home Loan of Rs. 10 Lacs & above + Deposit of Rs. 2 Lacs
 Car Loan of Rs. 10 Lacs & above + Deposit of Rs. 2 Lacs
296 HNI Customers are, who has___ AQB of more than 20.00 lacs in P-segment at CIF level.
297 Director of FIU-IND is___ Pankaj Kumar Mishra
298 Sureties not needed in disposal of deceased account for amount upto___ Rs. 5.00 Lacs
As per Section ___ of Indian Evidence Act-1872, presumption of death
299 can be raised only after a lapse of 7 years from the date of his/her reporting Section 108
as lost.
For Amount upto Rs. 1.00 Lacs will be entertained without insisting for
300 valid death certificate. All such claims in respect of missing person, One year
reported missing for a minimum period of ___ year shall be settled.
Section-60 of Civil Procedure
301 Garnishee Order is issued under ____
Code-1908
Complaint under COPRA must be lodged within __ from the date of
302 2 Years
incident.
Clayton’s Rules defines____, when several debts are owned.
303 Appropriation of Payments
(Under Sec-59 to 61 of Indian Contract Act 1872)
As per Section ___ of Indian Contract Act 1872; a Quasi Contract means
304 Loans to minor to meet necessaries of life are binding on the minor’s Section-68
estate.
305 ____ is issued by the Court on the WILL of the Deceased. Probate

____ is issued by the court when no WILL available / name of executer
306 Letter of Administration
not available in WILL / executor is died.
307 Letter of Administration & Probate are valid in whole India if issued by High Court
308 Letter of Administration & Probate are valid in State only if issued by District Court
Letter of Administration & Probate if issued by District Court of Rs.
309 Less than 10000/-
_______are valid in whole country.
310 A person who dies without WILL is called___ INTESTATE
311 Guidelines on KYC/AML/CFT are issued under___ Rule 7 of PML Act 2005
312 SARFAESI came into force on___ 21.08.2002

As per new Company Act 2013, Private Company can have maximum of
313 200 Shareholders / Members
____ members / Shareholders
314 Class action suits can be initiated by ____ against Company & Auditors. Shareholders
315 Small Company Paid up Capital is___ Rs. 50 Lacs

Key Managerial Personnel (KMP) may be in Public Company having
316 More than Rs. 10.00 Crore
paid-up capital of Rs. _____.
317 Eligibility age to become Managing Director or Whole Time Director__ 21 years
318 Lok Adalat deals case upto Rs.___ Rs. 20.00 Lacs
319 State Commission deals case upto Rs.___ (There are 3 Members) Above Rs. 20 Lacs up to Rs.1 cr.
320 National Commission deals case of Rs.___ (There are 5 Members) Above Rs. 1.00 Crore
321 DRT is applicable in case of debts/claims outstanding amounting to ___ Rs.10 lacs or More,
Application filed before DRT shall be disposed-off as early as possible but
322 180 days
not later than ___
323 Maximum Directors in Public Company is__ 15
324 Minimum Directors in Public & Private Company respectively are ___ 3&2
325 No. of partners may be up to the maximum of __ (As per Company Act 2013) Max- 100 (Minimum no. 2)
326 New account up to 180 days comes under___ Medium Risk
327 Head of AML-CFT is__ General Manager
328 Ombudsmen may award up to Rs. ___ Maximum Rs. 10.00 Lacs
329 Ombudsmen may award up to Rs. ___ in case of Credit Card. Maximum Rs. 1.00 Lacs
330 Imprisonment under COPRA for non compliance of order is___ From 1 Month to 3 Years
331 Fine under COPRA for non compliance of order is___ Min- Rs. 2000/- Max-10000/-
Application filed before COPRA shall be disposed-off within 3 months
332 5 Months
but in case of testing of goods it is ____.
333 Offence of Money Laundering defined under__ Sec-3 of PMLA 2002
334 Punishment for Money Laundering defined under__ Sec-4 of PMLA 2002
335 Maintenance of Records are defined under__ Sec-12 of PMLA 2002

Punishment under PMLA 2002, Imprisonment not less than 3 years may
336 be extended upto 7 years & fine may be extended upto Rs. 5 Lacs. If 10 years
criminal activity is involved then imprisonment may be extended upto___
337 Ombudsman appointed under Section______ of Banking Regulation Act. Section-35A
338 Who come under Class-I Heirs Son, Daughter, Widow & Mother
339 Who come under Class-II Heirs Father, Son’s / Daughter’s Children
Time limit for disposing off applications under RTI, if it is in normal
340 30 Days
course.
Time limit for disposing off applications under RTI, if it concerns the life
341 48 Hours
or liberty of a person

Time limit for disposing off applications under RTI, if the application is
342 5 days additional to above.
received through CAPIO (Central Assistant Public Information Officers)
343 Who is CPIO & CAPIO RM as CPIO & BM as CAPIO
344 Information sought from RBO, who is CAPIO in RBO? CM Admin
345 (a) Expand CPIO . Central Public Information Officers
345 (b) Appellate Authority in case of RTI for branches is___ GM (Network)
345 (c) Fee for RTI is Rs.10/- but people_____ is exempted from fee. People of below poverty line Only
The Reserve Bank of India was set up on the basis of the recommendations
346 of the _______on Indian Currency and Finance also known as the Hilton- Royal Commission
Young Commission.
347 Banking Regulation Act 1949 applies to ___ Whole country including J&K
Minor cannot enter into any contract as per Section__ of Indian Contract
348 Section-11
Act 1872.
349 Consent is defined under Section__ of Indian Contract Act 1872. Section-13
350 Free Consent is defined under Section__ of Indian Contract Act 1872. Section-14
351 Coercion is defined under Section__ of Indian Contract Act 1872. Section-15
352 Under Influence is defined under Section__ of Indian Contract Act 1872. Section-16
353 Fraud is defined under Section__ of Indian Contract Act 1872. Section-17
354 Misrepresentation is defined under Sec__ of Indian Contract Act 1872. Section-18
Contingent contract is defined under Section__ of Indian Contract Act
355 Section-31
1872
356 Indemnity is defined under Section__ of Indian Contract Act 1872 Section-124
357 Guarantee is defined under Section__ of Indian Contract Act 1872 Section-126
358 Guarantor’s liability is co-extensive with that of borrower is defined as per Section-128 of ICA-1872
359 Bailment, Bailor & Bailee have been defined under ___ Section-148 of ICA-1872
360 Lien is defined under Section__ of Indian Contract Act 1872 Section-171
(Particular Lien-170 & General Lien-171)
361 Pledge is defined under Section__ of Indian Contract Act 1872 Section-172
362 Agent & Principal is defined in Indian Contract Act 1872 under__ Section-182
363 Hypothecation is defined under Section__ of SARFAESI 2002 Section- 2(n) of SARFAESI 2002
364 “Sale” is defined under Section__ of Transfer of Property Act 1882 Section-54
365 Mortgage is defined under Section__ of Transfer of Property Act 1882 Section-58
Registration of Charge is defined under Section__ of Transfer of
366 Section-100
Property Act 1882 (Not defined in Company Act)
367 Lease is defined under Section__ of Transfer of Property Act 1882 Section-105
368 Actionable Claim is defined under Section__ of TPA 1882 Section-130
369 As per Indian Stamp Act-1899,Under stamping penalty is___ Min- Rs. 5/- & Max- Rs. 500/-
370 All PSB to maintain records in respect of RTI up to ____ 20 years
371 Under RTI Act 2005, exemption from disclosure is defined in__ Section 8 & 9
In case of Mortgage, letter of acknowledgement of debts should be
372 3 years
obtained every ___ till validity of martgage.
In case of dishonor of cheque, for filling civil suit the limitation period is
373 ___ from the date of dishonor. For criminal proceedings under section 142 3 years
of NI Act 1881, it should be initiated within 1 month.
374 Limitation Period in case of Garnishee Order is__ 12 Years
375 Limitation Period in case of Attachment Order is___ 30 Years
376 Limitation Period in case of Mortgage is___ 12 Years
377 Limitation Period in case of Hypothecation is ___ 3 years

378 Limitation Period in case of Bills of Exchange / Promissory Note is ___ 3 years
379 (a) Limitation Period in case of Deposit is ___ 3 Years from Demand
While making appeal, __% of the order (subject to max-25000/35000/50000
379 (b) depending on the appeal being made to State Commission/National 50%
Commission/Supreme Court respectively has to be deposited.
Customer Day on ___ of every ____ (next day in case of holiday) to be
380 15th of Every Month
observed at branches and administrative offices
The minor attains majority at what age when guardian has been appointed
381 Now 18 years
by the court___
382 Maintenance of SLR is defined in Section-24 of BR Act
383 Maintenance of CRR is defined in Section-42 of RBI Act

Dishonour of electronic funds transfer for insufficiency, etc., of funds in
384 the account. It is defined under Section ____ of Payment & settlement Section-25
Act-2007
385 “CRS” stands for Common Reporting Standards
386 Customer Service - Implementation of Recommendations by__ Goiporia Committee

No banking company shall grant loans/advances on the security of its own
387 Section-20 of BR Act 1949
shares.
388 Nomination: For nomination in Deposit accounts. Sec.45 ZA of BR Act 1949
389 Nomination: For nomination in Safe Custody accounts Sec.45 ZC of BR Act 1949
390 Nomination: For nomination in Locker accounts. Sec.45 ZE of BR Act 1949
391 (a) Relation between Banker and Customer in case of- Collection of Cheques Agent & Principal
391 (b) Relation between Banker and Customer in case of- Standing Instructions Agent & Principal
Relation between Banker and Customer in case of-Issuing / Purchase of
392 Debtor & Creditor
Draft by purchaser
Relation between Banker and Customer in case of- Payee of Drafts at
393 Trustee & Beneficiary
Paying Branch
Relation between Banker and Customer in case of- Safe Custody of
394 Bailee & Bailor
Articles
Lessor & Lessee/
395 Relation between Banker and Customer in case of- LOCKER
Licensor & Licensee
396 Relation between Banker and Customer in case of- MORTGAGE Mortgagee & Mortgagor
___% of the average net profits of the last three financial years are to be
397 2%
mandatorily spent on CSR activities by an Indian company.
398 RTI – QM & TS stands for RTI Query Management and Tracking System
399 HPTF stands for High Power Task Force Committee

400 Negotiable Instrument Act 1881 applies to whole country as per Sec. Section-1
401 Promissory Note is defined under sec.__ of NI Act 1881. Section-4
402 Bills of exchange is defined under sec.__ of NI Act 1881. Section-5
403 Cheque is defined under sec.__ of NI Act 1881. Section-6
404 Drawer, Drawee & Payee are defined under sec.__ of NI Act 1881. Section-7
405 Holder is defined under sec.__ of NI Act 1881. Section-8
406 Holder in Due Course is defined under sec.__ of NI Act 1881. Section-9
407 Payment in Due Course is defined under sec.__ of NI Act 1881. Section-10
408 Inland Bill is defined under sec.__ of NI Act 1881. Section-11
409 Foreign Bill is defined under sec.__ of NI Act 1881. Section-12
410 Negotiable Instrument is defined under sec.__ of NI Act 1881. Section-13
411 Negotiation is defined under sec.__ of NI Act 1881. Section-14
412 Endorsement is defined under sec.__ of NI Act 1881. Section-15
413 Endorsement “in blank” and “in full”-“endorsee” defines in Sec- Section-16

414 Ambiguous instruments is defined under sec.__ of NI Act 1881. Section-17
415 Amount Differ (Words & Figures) is defined under sec.__ of NI Act 1881. Section-18
416 Instruments payable on demand is defined under sec.__ of NI Act 1881. Section-19
417 Inchoate (Incomplete) Instrument is defined under sec.__ of NI Act 1881. Section-20
Due date Calculation i.e. Maturity (grace period of 3 days in case of Bills
418 Section-22
of Exchange). Is defined under sec.__ of NI Act 1881.
Due date Calculation (Impossible date like 30 February) is defined under
419 Section-23
sec.__ of NI Act 1881.
Due Date Calculation (Bills of Exchange drawn on days) is defined under
420 Section-24
421 Public Holiday is defined under sec.__ of NI Act 1881. Section-25
As per section__ of NI Act 1881, Minor can draw, endorse, deliver, &
422 Section-26
negotiate the instruments but without binding himself.
423 Agency is defined under sec.__ of NI Act 1881. Section-27
424 Liabilities of Drawer is defined under sec.__ of NI Act 1881. Section-30

Wrongful Dishonor (Liabilities of Drawee/Bank) is defined under sec.__
425 Section-31
of NI Act 1881.
Liability of drawee/payee under Bills of Exchange is defined under sec.__
426 Section-32
of NI Act 1881.
427 Liability of Endorser is defined under sec.__ of NI Act 1881. Section-35
Liability of Prior parties to the Holder in due course is defined under
428 Section-36
429 Delivery is defined under sec.__ of NI Act 1881. Section-46
430 Bearer Cheque is defined under sec.__ of NI Act 1881. Section-47
431 Order Cheque is defined under sec.__ of NI Act 1881. Section-48
432 Sans Recourse (Conditional Endorsement) defined in Section__ Section-52
As per sec.__ of NI Act 1881, Bills of exchange must be accepted within
433 (a) Section-63
48 hours (excluding holidays)
433 (b) The Bill should be presented for acceptance within _____ hours of receipt 24 Hours
Instrument presented during business hour can be paid on the same day
434 but if presented after business hour, as per section___ of NI Act a banker Section-65
will not get protection, in case he/she pays the instrument on that day.
As per sec.__ of NI Act 1881, if no interest rate is mentioned in
435 Section-82
Promissory Note, rate of interest will be @ 18% per annum.
436 As per sec.__ of NI Act 1881, Protection to Paying banker in DRAFT Section-85A
437 As per sec.__ of NI Act , Protection to Paying banker in Order Cheque Section-85(1)
438 As per sec.__ of NI Act, Protection to Paying banker in Bearer Cheque Section-85(2)
439 As per sec.__ of NI Act, Material alteration makes a cheque void. Section-87
As per sec.__ of NI Act, paying banker gets protection when material
440 Section-89
alteration does not appear by naked eyes.
441 Noting is defined under sec.__ of NI Act 1881. Section-99
442 Protesting is defined under sec.__ of NI Act 1881. Section-100
443 General Crossing is defined under sec.__ of NI Act 1881. Section-123
444 Special Crossing is defined under sec.__ of NI Act 1881. Section-124
445 As per section__ of NI Act 1881, Holder may cross the cheque. Section-125
As per section__ of NI Act 1881, Crossing is an instruction to bank to pay
446 (a) Section-126
in account only.
446 (b) Crossing to more than one Bank, is defined in section___ of NI Act Section-127
Payment in due course of crossed cheque is defined under sec.__ of NI
447 Section-128
Act 1881.
448 Not Negotiable Crossing is defined under sec.__ of NI Act 1881. Section-130

Collecting Bankers’ protection in case of crossed cheques is defined under
449 Section-131
450 Insufficient Funds is defined in section___ Section-138 to 147 of NI Act
451 Due date for payment of tax deducted in Month of March___ 30th April
As per Section___ of Limitation Act 1963, Payment/deposit of any amount
452 by the borrower himself by a signed voucher extends limitation period Section-19, Limitation Act 1963
further by 3 years
453 Partners are agent of the firms, is defined in___ Section-18, Partnership Act-1932
As per section___ of Partnership Act 1932, A minor can be admitted to the
454 Section-30
benefits of a partnership but cannot become a partner.
A registered firm can file a suit against others to enforce rights arising
455 from a contract but an unregistered firm cannot. The creditors of an Section-69, Partnership Act-1932
unregistered firm can file a suit against the firm.
456 SLR Minimum & Maximum ___ ? Mini- Nil; Maximum-40%
Charges created in favour of the Bank are registered within a period of
457 30 Days
____ days from the date of creation of charge
The Legal Audit shall be conducted preferably____ months before the 3 Months
458
commencement of RFIA / Credit Audit (Applicable in Above 5 Crore)
459 Criminals Procedure Code came into existence in ____ year 1973
If the aggregate of principal of a term deposit and interest is Rs _____ or
460 Rs. 20000/-
more then payment should not be made in cash.
461 Expand SARFAESI. Securitisation, Reconstruction of Financial Assets and Enforcement of Security Interest
462 Expand OPC One Person Company

CGTMSE (Credit Guarantee Trust for Micro & Small Enterprises) cover
463 Max- 50 Lacs
applicable to RRBs (Regional Rural Banks) is___
CGTMSE (Credit Guarantee Trust for Micro & Small Enterprises) cover
464 Max- 200 Lacs
applicable to SCBs (Scheduled Commercial Banks) is___
465 Under stamped position should be completed within ___ days 30 Days
For making an appeal against order of DRT/DRAT time limit is revised to
466 30 Days
___ days from receiving of order.
For making an appeal in DRAT, minimum ___% of debts has to be
467 50%
deposited by the borrower.
468 Notice under Section 13(2) of SARFAESI 2002, relates to Demand Notice
469 Notice under Section 13(4) of SARFAESI 2002, relates to Possession Notice
Under SARFAESI, time limit for reply from Secured Creditors to the
470 15 Days
representation of borrower or guarantor is extended to ___ days.
 for NPA with outstanding above Rs. 1.00 lac
 NPA Accounts where the amount is at least 20%
of the principal and interest.
Conditions for the case being applicable under
471  NPA Account should be backed by Securities
SARFAESI Act 2002, are___
charged to the Bank by way of Hypothecation or
Mortgage or Assignment.
 Pledge, Lien, Lease are NOT applicable.
472 Sale Notice under SARFAESI, should not be less than__ 15 Days
473 Legal Audit applies on___ Rs. 5 crore and above
474 Stock Audit applies on___ (In Regular Accounts) Rs. 10 crore and above
475 Stock Audit applies on___ (In NPA Accounts) Rs. 5 crore and above
476 (a) Forensic Audit applies on___ Rs. 100 crore and above
476 (b) Credit Audit applies on___ Rs. 10 crore and above
477 Under Sexual Harassment case, a person can appeal within ___ days. 90 Days
A knowledge sharing portal launched by GMU Kolkata to share the
478 eFx Forum
information on forex related matters is____
479 My will service online for public and staff both. Fee for public is___ Rs. 2500/- per will
480 Garnishee Order does not applicable to___ Insolvent, Deceased & Firm

481 Possession of Security in case of- Hypothecation With the Borrower
482 Possession of Security in case of- Assignment With the Bank
483 Possession of Security in case of- Pledge With the Bank
484 Possession of Security in case of- Lien With the Bank
485 Possession of Security in case of- Mortgage With the Debtor

 Customer Acceptance Policy (CAP)
 Customer Identification Procedures (CIP)
486 4 Key factor of Know Your Customer (KYC)
 Monitoring of Transactions
 Risk management
Safe Custody A/c in the name of Minor can be opened only in respect
487 TDR
of keeping-
488 Safe Custody/ Security are balanced once in ____ Half Year
489 Life Insurance Policies accepted as security for advance should be entered in Miscellaneous Security Register
 A locker can also be rented out to a Non-Resident
 Locker cannot be allotted to a minor neither as a single nor a joint account with other.
With respect to Safe  Power of Attorney holder can operate the Locker but cannot surrender the locker.
490 Deposit Lockers,  Lockers to be allotted on first come first serve basis
All statements are true-  80% of the lockers to be issued on First come first basis whereas 20% may be
issued as per BM’s discretion.
 Nomination is not available in case of joint accounts with survivorship benefit.
491 Excessive or illegal interest rate is called___ Usury
492 The box containing duplicate keys of nearby branch will be entered in Safe Deposit Register
The STDR taken from the locker hirers at the time of allotment of locker
493 Safe Custody
should be kept in__ (STDR of Rs. Equal to 3 years’ Rent)
Search warrant for Locker issued by In-come Tax Department should bear
494 Commissioner of Income Tax
Signature of official not below the rank of___
495 Scrips accepted under Safe Custody are entered in Safe Custody Ledger
496 Responsibility of Banker in Safe Deposit article is described in Indian Contract Act
497 For Cancellation of Nomination of Safety Locker, Form ___ will be used SL-2
Relationship of the Banker and the hirer in case of lockers –Licensor &
498 COS 404
licensee, established by stamped agreement___.
In CBS, Cabinet creation and Locker creation can be done only by officers
499 User Type-40, 45, 50 or 60
with user type of_____. This is a one-time activity.
For doing surrender of Locker, customer has to tender the notice at least of
500 7 days
______ days ?
If High risk customer is not operating the locker for ___ year(s) and above,
501 1 Year
bank can proceed further to break open it?
If Medium risk customer is not operating the locker for ___ year(s) and
502 3 years
above, bank can proceed further to break open it?
503 Bearer Bonds are kept under ____ custody? Joint Custody
4 types (Gold, TDR/STDR,
504 In Safe custody, there can be ___ types of collateral, name them?
Shares & Paper based securities)
505 How many variants of lockers are present in our Bank? 4 Variant
506 How many types/sizes of lockers are present in our Bank? 11 Sizes
507 A locker holder can operate his locker free of cost __ in year. 12 Times
508 SDV account consists of ___ digit. 11 Digit
509 Annual rent for Locker due on (In CBS)___ 02nd April Every Year
When locker is sealed by Income Tax department, rent will be recovered
510 Customer
from____
511 Locker rent is credited in BGL Head____ 98324
512 If a scrip is withdrawn for renewal, it is entered in___ Securities Ex-Custody Register

Amount withdrawn from Capital gain account should mandatorily be
513 60 Days
utilized within _____ days
514 (a) Obsolete records are to be identified every year on___ 01st January
514 (b) Obsolete records are to be destroyed every year on___ 07th January
While collecting fee through challan, in a single challan , up to how many
515 10 Challans
types of fee can be collected?
For issuing of duplicate IOI, production of sureties is not needed for
516 Rs. 1.00 Lac
amount up to___
 Non-Payment Advise is NOT required for issuance of duplicate IOI
 Hologram should be affixed on IOI of Rs. 1.00 Lac and above against the
name of Payee.
517 All statements are true-
 For TR Advise generated in IBTS, only one signature required irrespective
of the amount.
 Non Home Transaction Register is discontinued.
518 Penalty for submission of false compliance observed during RFIA Minus 5
More than 90% alerts responded after 7 days in OTMS, what will be the
519 Minus 4
penal marks?
More than 50% but less than 90% alerts responded after 7 days in OTMS,
520 Minus 3
what will be the penal marks?
50% or less than 50% alerts responded after 7 days in OTMS, what will be
521 Minus 2
the penal marks?
522 Expand ICRS INSURANCE CLAIM REPORTING SYSTEM
For how many times a S.B. account can be given OD of Rs. 1000/- (in one
523 3 Times
instance) during a financial year?
And within how many times the same OD (in SB account) should be
524 Within 1 Month
liquidated?
525 Service TAX no. Of State Bank of India? AAACS8577KSDB73
526 Expand PB/RD Account Protested Bill / Recalled Debts
527 In our bank who decides rate of interest in deposit- ALCO
528 First Gramin Bank in India- Prathma Gramin Bank
Any party can file appeal within ___ days on receiving award or the
529 30 Days
Ombudsman rejecting his complaint to Appellate Authority.
The objective of the Stand Up India Scheme is to facilitate bank loans
530 Rs. 10 lacs and Rs. 1 crore.
between____
531 SBI FAST is Cash Management Product (CMP) under control of- Transaction Banking Group
532 What colors are there on Drop-Box? Blue, Red & Yellow
533 Red section in Drop Box denotes- Depositing cheques drawn on this branch (Drop Box Hosting Branch)
534 Yellow section in Drop Box denotes- For depositing all outstation cheques required to be sent for collection
535 Blue section in Drop Box denotes- Local Clearing Cheques
536 What kinds of cheques should NOT be dropped in Drop Box SBI Card Payment & Govt Cheques
537 Drop Box should be opened at ___ intervals Hourly
538 How many times a Banker’s Cheque can be revalidated- Only Once
539 (a) Expand BIAK (in IOI) Built In Authentication Key
539 (b) Maximum amount for which an IOI can be issued is___ Rs. 99,99,99,999
CDC generates a report on Banker’s Cheques outstanding for more than
540 February.
three years on Last date of ____every year
541 IOI instrument type is- 16
542 IOI instrument no. consists of ___ digit 12 digits
543 An IOI can be revalidated within __ only. 1 year from date of original issue
544 All demand drafts above Rs ____ to be account payee / crossed only Rs. 20000/-
545 (a) The validity period of an Income Tax Refund Order is 3 Months
545 (b) Branch Document Register & Safe Custody Register to be retained for__ 20 Years
545 (c) Power of attorney register to be retained for__ 60 Years
545 (d) Charges register & cheque-book register to be retained for___ 5 Years
545 (e) Tocken Register, Govt credit Scrolls are to be retained for__ 8 years
545 (f) Records related to RTI Act-2005, to be retained for___ 20 Years

10 days or End of Months which
546 Validity period of Government Cheques is
is less
547 Bankers’ Cheques are Order Cheque with_____crossing Not Negotiable Crossing
548 Triplicate Bankers’ Cheque can be issued (YES / NO) NO

For making payment by cancellation of duplicate bankers’ cheques,
549 Payee
consent of _____is required.
All bankers’ cheques issued by debiting to charges account having
550 Charges Account
outstanding more than 3 years should be credited into___
551 Fx-OUT per transaction limit increased to ___ $ 25000
552 Expand IBTS Inter Branch Transfer System

An auto-generated e-mail message will be sent to responding branch (in
553 Rs. 5 Lacs & above
case of IBTS) for originating entry of Rs. ____
An auto-generated e-mail & SMS both will be sent to responding branch
554 Rs. 1 Crore & above
(in case of IBTS) for originating entry of Rs. ____
555 Colour of Deposit-Pay in slip___ Blue
556 Colour of Savings Bank Withdrawal Form___ Black
557 Colour of Demand draft / Bankers’ Cheque Form__ Green
Balance up to Rs.____ in unclaimed deposit may be directly disposed by
558 Rs. 1.00 Lacs
branches.
Total 193 Registers out of which ___ registers for Audit purpose to be
559 72 registers
maintained by the branch.
560 Total BMMC certificates are___ 59
561 BMMC for charges to be submitted by ____ for every month 10th of every month
562 DRP / BCP is prepared every year in__ (Kept in BD Register) 1st week of January
563 Income Tax deduction register to be maintained up to ___ Years. 10 Years
564 Valuation of Stationary is done on___ 31st January

Monitoring limit of Large Value cash payments for Metropolitan & Other Metro- 5 Lacs & above
565
centre are___ Others- 1 Lacs & above
566 Double passing of Govt Cheques of Rs. ____ by two officials Rs. 10 Lacs & above
IBTS came into effect from_____
567 15.03.2011
(replacing BCGA –Branch Clearing General Account )
IBTS entry & reversal shall be responded by minimum capability level___
568 3&5
and authorized by minimum capability level___
Death Certificate, Succession Certificate, Letter of Administration, Probate
569 Sundry Document Register
& Court Orders are kept in ____
570 Investment in NPS (New Pension Scheme) is exempted up to Rs. ____ Section-80CCD(1B)- Rs. 50000/-
571 193- TDS on Interest on Security @ ___% 10%
572 194A- TDS on Interest on other than Security @ ___% 10%
194C- TDS on Payment to Contractors, Either more than Rs. 30000/- in Individual/HUF- @1%
573
single payment or Rs. 1.00 Lacs Total in a Year. Others- @2%
574 194H- TDS on Brokerage payment, if exceeds Rs. 15000/- @___% 5%
Rent on Machine- @ 2%
575 194I- TDS on Rent, If exceeds Rs. 1.80 Lacs in a year___
Rent on Land & Building- @10%
576 194IA- TDS on Transfer of Immovable property, if Rs. 50 Lacs & above. 1%
194J- TDS on Fee for Professional & Technical services / royalty, if
577 10%
exceeds Rs. 30000/-.
PAN is mandatory when deposit in TDR of Rs. 50000/- in one instance or
578 Rs. 5.00 Lacs
Aggregate Rs. _____ in a year.
PAN is mandatory when sale / purchase of property or stamp value
579 Rs. 10.00 Lacs
exceeding_______
580 Testamentary Guardian is appointed by___ WILL
Dayabhaga- For West Bengal
581(a) HUF- Name the School -
Metakshara- For Rest India
Only ___ consecutive inspection reports need to be preserved after ensuring that
581(b) the immediately 4th earlier report has been dealt completely and closed.
3 consecutive inspection reports

581 (c) New Branch will be eligible for RFIA in___ 12 Months
582 Succession Certificate is applicable to Debt & Security
583 Expand OTMS Offsite Transaction Monitoring System
584 Performance guarantee attracts the CCF of…....% 50%
585 Trust accounts are classified under___ High Risk
What is the minimum number of employees stipulated for Corporate
586 25
Salary Package (CSP) product.
DIPP is the nodal agency in the field of foreign investments in India. What Department of Industrial Policy
587
is the full form of DIPP ? and Promotion
588 Expand SWIFT code Society for Worldwide Interbank Financial Telecommunication
589 RRBs are working in all states of the country except___ Goa & Sikkim
SIDBI (Small Industries
590 ____is aimed to aid the growth and development of MSME in India
Development Bank of India)
591 A closed economy is__ No Import or Export
Imperial Bank of India which became the State Bank of India on the The All India Rural Credit Survey
592
recommendation of ______ Committee (Gorwala Committee)
593 Expand IFSC Indian Financial System Code
594 Drafts of Rs ______ and above should be signed by two officials Rs. 1.50 Lacs
Duplicate draft to be issued within a maximum period of ______ from 5 working days (otherwise Rs.
595
the date of receipt of such request. 100/- as compensation)
Section 31 of the ______prohibits issue of bearer draft as it would virtually
596 tantamount to issue of currency note. It is a punishable offence under RBI Act
section 58(b) of the Act.
597 Duplicate Banker’s Cheque can be issued against stamped indemnity COS 537
598 IOI to be issued account refers to 98585
599 Physical verification of IOI forms can be done in Half-Yearly

Duplicate to be paid & Original
600 If original and duplicate DD is presented for payment simultaneously should be returned with the
remark “duplicate already paid”
601 Limitation period of Usance bill is___ 3 years from due date
602 Lower & Upper Ceiling in NEFT (National Electronic Fund Transfer) is No Minimum & No Maximum
603 Lower & Upper Ceiling in RTGS (Real Time Gross Settlement) is Min-200000/- & Maximum-Nil
604 Immediate credit of outstation cheques is up to Rs. 30000/-

Normal collection period between two Metro Centres/Major A Class Cities
605 6 & 7 Days
for Our BRANCHES ___ Days &with Other Bank’s Branches ___ days
Collection period between one metro and state capital, For Our Branches
606 8 & 10 Days
___ days, & with Other Bank’s Branches ___ days.
Collection period between two centres, For Our Branches ___ days, &
607 10 & 14 days
with Other Bank’s Branches ___ days.
608 Minimum compensation upon delay in collection is Rs. 25/-
609 LRS stands for Liberalised Remittance Scheme
610 If instrument not collected up to 7/10/14 days, Delayed Interest is @_% Savings Bank Rate
Term Deposit rate for the
If delay in collection of instrument beyond 14 days, Delayed Interest is
611 corresponding period or Savings
@_%
Bank rate, whichever is higher
If delay in collection of instrument beyond 90 days, Delayed Interest is 2% + Term Deposit rate for the
612
@_% corresponding period
If delay in collection of instrument in LOAN ACCOUNT is beyond 90
613 2% + Loan Interest rate
days, Delayed Interest is @_%
614 Due date of filling return for TDS deducted in March 31st May
615 Bill of Exchange (Usance Bill) of ____validity is free from stamp duty. 3 months

616 Staff Account should be scrutinized once in ____ 3 Months
617 The Nodal Branch for making payments under MoneyGram is NRI Kochi
Release of foreign exchange is not admissible for travel to and transaction
618 Nepal & Bhutan
with residents of _______ & _______
619 The front-end software used for making payments under MoneyGram is DeltaWorks
We are offering MoneyGram services under agreement entered with the
620 Thomas Cook India Ltd.
principal agent.
621 Full form of “SPP” used in Western Union payment is Streamlined Payout Procedure
The front-end software used for making payments under Western Union
622 Translink
payment is___
Under The Money Transfer Service Scheme, a beneficiary can receive a
623 30 Txn
maximum of ____ transactions in a calendar year.
624 Under The Money Transfer Service Scheme, ___transactions are permitted Only Inward Txn
SBI conducts Govt. Business as agent of RBI wherever banking
625 department of RBI is not established under Section _____ of RBI Act and 45 of RBI Act & 32 of SBI Act
Section _____ of SBI Act
626 ____ passport seva kendras (PSKs) linked to SBI Branches. 77
627 Govt Cheques are order cheques and also___ Not Transferable
628 Expand GEPG Government Electronic Payment Gateway
629 PFMS stands for Public Financial Management System
630 All credits to the Govt. A/c should be supported by challans or ___ GAR-7
631 Bank gets commission on receipt of per challan (in physical mode) Rs.50/- per challan
632 Bank gets commission on e-receipt of per challan (in electronic mode) Rs.12/- per challan
633 Bank gets commission on Govt Payment___ Rs.65/- per Txn

The Bank makes the Govt Payment (other than Pension) through mirror
634 5.5 Paisa per Rs. 100/- Turnover
account and RBI pays commission @ ___ per Rs. 100/-.
635 Expand FSLO (deals with State Govt, Currency Chest, Small coin deposit) Fund Settlement Link Office
636 Expand SGLO. State Govt Link Office/ Branch

Branch should advise FSLO in case of difference between receipt and
637 Rs. 1.00 Lacs & Above
payments of Rs.___
638 Commission Sharing between dealing branch & link branch is__ 75:25
Once in a year as on __, the balance in State Govt A/c should be
639 30th September
transferred to FSLO. In case holiday on ___ it should be one day prior to this.
640 GBSS stands for__ Govt Business Software Solution
641 OLTAS stands for___ Online Tax Accounting System
642 Central Account System (CAS) of our bank is situated at___ Nagpur
643 TDS related challan form is___ ITNS-281
644 BSR (BASIC STATISTICAL RETURNS) code has ___ digits. 7 digits
645 4th character of PAN card can be one from these 10 characters. ABCFGHJLPT
646 Expand CIN Challan Identification Number

647 Expand CBEC Central Board of Excise & Customs
648 Expand EASIEST Electronic Accounting System in Excise & Service Tax
649 Expand CPAO Central Pension Accounting Office
650 Expand TRACES TDS Reconciliation Analysis and Correction Enabling System
651 Expand SBI FAST Funds Available in Shortest Time
652 SBI e-Pay is___ Payment Aggregator Service. SBI has signed MOU with leading 41 Banks

653 Expand VDMS Verified Date-Wise Monthly Statements
654 Expand EASeR Electronic Accounting System for e-Reciepts
World University Service Centre
655 E-Focal Point Business (e-FPB) branch for Central Excise Payment is___
Chennai (0288)
Fort Market Branch, Mumbai
656 E-Focal Point Business (e-FPB) branch for Service Tax is___
(05347)
657 E-Focal Point Business (e-FPB) branch for CBDT is___ Bangalore Main Branch.
Agency banks will be liable to pay penal interest at Bank Rate as notified
658 by Reserve Bank of India plus ____% for any wrong claims of agency 2%
commission settled.
659 RBI has fixed a fixed interest rate of ___% for delayed payment of pension 8%
660 (a) Withdrawals can be made in PPF, once in a year, after___ 6th to the 15th year
Rs 50,000 (w.e.f. 01 June-2016)
660 (b) No tax would be deducted at source for PF withdrawals of up to___
(Earlier this limit was Rs.30000/-)
Minimum & Maximum Deposit in PPF account is ____ per annum in
661 500/- & 150000/-
multiple of Rs. 5/-
Interest credited in PPF account on 31st March every year calculated on the
662 05th
minimum balance between ____ day and end of the month
663 Maximum Loan Repayment term in PPF is 36 Months
The account extended beyond 15 years; partial withdrawal allowed up to
664 ____% of the balance to the credit at the commencement of the extended 60%
period.
Premature closure of a PPF account on grounds of genuine hardship could
665 be considered only after the ______ from the end of the year in which the Expiry of 5 years
account was opened.
Discontinued account can be revived on payment of Rs.___ per year along
666 Rs. 50/-
with arrears of subscription of Rs.500/- per year
Loans can be availed from the third financial year
excluding the year of deposit. Amount of such loans must
667 Advance against Public Provident Fund (PPF) not exceed 25% of the amount that stood to the account
holder’s credit at the end of the second year immediately
preceding the year in which the loan is applied for.
Maximum amount that can be deposited in Senior Citizen Savings Scheme
668 Rs. 15 Lacs
in multiple of Rs.1000/- is
Period of deposit in SCSS is 05 years which can be extended only once but
669 3 Years
not more than
In case the depositor does not close the account on maturity and also does
not extend the account within a period of one year after maturity, the
670 account will be treated as matured and the depositor will be entitled to Post Office Savings Bank Rate
interest at the rate applicable to the deposits under _____ during the post
maturity period.
An account has been opened jointly under SCSS, what will be the Rs.15 Lacs only for both
671
maximum deposit amount. depositors
672 Passing of challan by Treasury officer/Head of Department Enfacement
Maximum 1/3 of Pension can be commuted and full pension will be
673 15 years
restored after____ from the date of commutation.
674 ITRO credited through ECS up to Rs. ____ Rs. 25000/-
675 A SWO can issue Govt. Receipts without referring to cash officer upto Rs. Rs. 3000/-
676 Rate of interest for PPF Loan for normal case ___ & Default Case___ 2% & 6%
677 Interest on SCSS 2004 is paid at Quarterly
678 Penal interest for delayed settlement of Govt Transactions Bank Rate + 2%
1.5 % after 1 year and
679 Penalty for premature closure of SCSS 2004
1% after 2 years
680 Under SSA (Sukanya Samriddhi Account) Initial deposit should be___ Rs. 1000/-
681 Minimum & Maximum contribution in Sukanya Samriddhi Account__ Rs. 1000/- & 150000/-
682 Nomination in Sukanya Samriddhi Account is ___ NOT ALLOWED
683 No. of Nomination in PPF__ Any no. of Nomination
684 Loan against PPF can be given between ------and-------- financial years 3&6

In case of no nomination in PPF account the outstanding amount will be
685 Rs. 1.00 Lac
paid to legal heirs of the deceased without Succession Certificate up to
686 Strong room fitness certificate to be obtained___ Annually
687 Small coin depot is the property of___ Govt of India
Fake Indian Currency Note Co-
688 FICN stands for – Fake Indian Currency Note; and FCORD means
ordination Centre
689 ICCOMS can be accessed through___ https://iccomssws.rbi.co.in
690 (a) Excess cash found in the branch/cash dept is credited to__ Sundry Deposit A/c
Entries relating to excess cash found in cash balance is transferred to
690 (b) Quarterly
Commission A/c at ____intervals.
691 Cash Management in ATMs by NCR/Diebold is called OPTICASH
Rs 1.00 lac &
692 Minimum Transaction in currency chest at any point of time__
in multiple of Rs 50,000/-
693 CCRS stands for Currency Chest Reporting System
694 Size of the aluminum box handed over to SWO should be _________size 14 X 11 X 4
695 Fidelity insurance cover for single window operator is Rs _____ 5 Lacs
696 Teller system was introduced on recommendation of___ Talwar Committee
Rs. 100/- and
697 Minimum transactions from/to Small coin depot will be___
in multiples of Rs. 50/-
698 Clean Note Policy has been issued by RBI under___ Sec-35A BR Act
As per the latest instructions of the RBI, FIR has to be lodged in case of
699 5 or More
Fake Currency Notes, if the number of notes is
700 Guarantee Bond system is applicable to Currency Notes upto Rs.___ Rs. 100/-
701 SFMS stands for Structured Financial Messaging System
702 PCFC stands for Pre-shipment Credit in Foreign Currency
703 FFMC stands for Full Fledged Money Changers
704 ESOP stands for Employees Stock Option
705 ECGC stands for Export Credit Guarantee Corporation
706 FCCB stands for Foreign Currency Convertible Bonds
707 ECB stands for External Commercial Borrowings
708 FEMA came into effect from ---- 01.06.2000
Two days from the date of
709 Spot rate is when exchange of currencies take place at__
quoting the rate
710 NOSTRO Accounts means___ Our Account With You
711 VOSTRO Accounts means___ Your account with Us
712 LORO Accounts means___ Their account with you
713 (a) Expand OFAC Office of Foreign Assets Control
It may be allowed to open up to Max.____Diamond Dollar Accounts
713 (b) 5 DDA
(DDA) with their banks.
713 (c) Expand “EDF” Export Declaration Form
The operations under 20:80 scheme stands withdrawn. The scheme relates
714 Import of GOLD
to
Liberalised Remittance Scheme (LRS) for resident individuals (increase in
715 $ 250000
the limit from USD 125,000 to______)
 Cross Rate: the exchange rate between 2 foreign currencies without the
intervention of the home currency.
 Cash Rate : The exchange of currencies take place on the date of deal.
 Tom rate : The exchange of currencies takes place on the next working day.
 Spot rate : The exchange of currencies is effected on second working day
716 Rates related statements ___
from the date of quoting the rate.
 Forward rate : The exchange of currencies is effected on a future day from
the date of quoting the rate
 Hedging: Buying foreign currency forward at current price so as to cover
for the unpredicted change in the market

In order to facilitate outward remittances of foreign exchange for personal
717 SEGMENT customers through a centralized platform, in a hassle free Fx-OUT
manner, GMU-K has rolled out a new product
718 Vishwa Yatra Foreign Travel Card can be issued in ---- Currencies 8 currencies
Maximum penalty for giving false compliance certification in the
719 50 Marks
rectification of irregularities in RFIA is Marks
720 Noting or protesting is compulsory in case of___ Foreign Bill
With whom has SBI entered into an agreement for setting up a Payment
721 Reliance Industries Ltd.
Bank Joint Venture___
722 In case of Lost of Govt Challan, Duplicate Challan is____ NOT Issued
723 Fraud cases below Rs 3.00 Crore are to be referred to Local Police / State Police
724 Fraud cases of Rs 3.00 Crore and above are to be referred to CBI
725 Noble Branch for Gold Deposit Account is___ Overseas Branch, Mumbai
726 RTI fee Rs 10/- collected from the customers in cash, is to be credited to P&T charges recovered A/C
Stipulated time limit for resolution of customer’s ATM complaints by the 7 days
727 issuing banks is __ working days from the date of receipt of customer (Otherwise Rs. 100/- per day as
complaint. penalty from 08th Day & onwards)
If resolution of customer’s ATM complaints by the issuing banks is not
Within 30 days of the date of
728 completed within 7 working days, penalty of Rs. 100/- per day from 08th
transactions
Day & onwards will be paid subject to customer has filled the request __
After dishounor of cheque on ______and the Bank will have the right to
729 4th occasion
close the account after serving a notice of 30 days to the customer.
730 Whether RRBs are members of BCSBI ? YES
It is observed that the address mentioned as per ‘proof of address has
731 undergone a change, Banks shall ensure that fresh proof of address is 6 Months
obtained within a period of ___months
Minor, Illiterate & Purdanashin
732 Who cannot open Current Account ?
Lady
Manual preparation and submission of the counterfeit currency reporting
732 01-10-2016
has been discontinued w.e.f.___
The currency chests branches should invariably report all transactions
733 9:00 PM
through ICCOMS on the same day by __PM
734 EXIM Bills is the software used in___ CCIL
735 i-Probe is mandatory for all loan applications of___ Rs. 10 Lacs & above
Transfer Transaction at Non-home branches Max. Limit for cheque issued
736 Rs.10.00 Lacs
in Normal Savings Bank Account
737 Rs. 50.00 Lacs
in HNI/NRI Savings Bank Account
738 Rs. 50.00 Lacs
in Current Account
739 Two currency Note press owned by RBI are at___ Mysore & Salboni
740 Which is the software used at Currency Administration Cells__ Kuber
741 (a) What is e-Kuber ? RBI’s Website
741 (b) R-Returns are to be submitted to RBI within ___days. 7 days

All the accounts where mortgage has been created has to keyed in the
742 30 days
system within_ days failing which Rs.5000 has to be paid an additional fee
743 License for Gun at the branch is obtained in the name of___ Branch Manager
744 Specific gravity of pure gold is___ 19.3
745 IBCH (In Branch Cash Handling) overnight cash retention limit is___ Rs. 1.00 Lac
Balances in Currency Chest have to be verified by an official other than
746 Once in 2 Months
the joint custodians once in___
The difference between day’s total withdrawals and day’s total deposits in
747 Currency Transfer
the Chest is___
In a soiled note remittance to RBI if more than ___% of notes is found to
748 be issuable notes, then entire remittance will be returned by RBI at sending 5%
bank’s cost

749 Surprise verification of Critical Currency Chests is made by LHO at __ Quarterly
750 Expand FNVC Forged Note Vigilance Cell
751 Petty Cash should be checked by ___ at Monthly intervals Branch Manager
752 Under Coinage Act, 1906, for How Many value Rs. Coin can be issued__ Rs. 1000/-
Cash shortage up to which is made good by the employee same day and if
753 Rs. 1000/-
there is no suspicion of fraud, it need not be reported as fraud_
754 Appeal against the order of District Forum can be made before__ State Commission
755 Appeal against the order of State Commission can be made before__ National Commission
756 Appeal against the order of National Commission can be made before__ Supreme Court
District Forum, State Commission
757 Under COPRA cases are dealt by___ as per the amount limit.
& National Commission
758 Expand NOFHC Non Operating Financial Holding Company
759 Expand OFS Offer for Sale
760 Expand UAPA Unlawful Activities Prevention Act
761 Expand EDPMS Export Data Processing and Monitoring System
762 Expand MRFTP Market Related Fund Transfer Price Mechanism
763 (a) Expand NACH National Automated Clearing House
763 (b) Expand DTAA Double Taxation Avoidance Agreement
764 Branches having minimum __ staff should arrange for Vigilance Meeting. 10 Staff Members
765 Vigilance Week observed in ___ November
766 Branches should conduct Customer Service Committee meeting at ___ Monthly intervals
767 Customer Relationship Programme are held in branches at___intervals Quarterly

URL for reporting Online Reporting of instances of detection of
768 https://ccr.statebanktimes.in
counterfeit currency notes by designed officials
The decision to open an account for a Politically Exposed Person (PEP) is
769 SMGS
taken by an official not below the grade of __________
770 TDS from salary/pension u/s 192 filed under TDS return 24Q
771 TDS in respect of deductee who is a non-resident filed under TDS return 27Q
772 TDS in respect of deductee who is a pensioner filed under TDS return 26Q
773 Branch Documents Register consists of ____sections Seven Sections
774 Lease deed entered into with the owner of the Bank premises is entered in_ Branch Document Register
775 Management audit is conducted for__ Administrative Office
Bank provides Bonus to staff @ 8.33% for a salary ceiling of Rs. 10,000
776 Rs.3500/-
with bonus ceiling of Rs__
777 The yearly entry relating to staff welfare fund is passed on__ Last date of February
778 Cost of curtains provided at the residence of an officer is debited to __A/c Charges Account
For prompt submission of compliance remarks for RFIA report, marks are
779 15 Marks
awarded in the same RFIA Report as an incentive to the branch__
The certificate of chest balance as on___ is submitted to RBI by the Chest
780 31st May
branch
Father of a Minor is sentenced to jail for a criminal offence. Who will be
781 Father
his guardian?
782 Bank’s Lien is___ General Lien
783 Regulator of Money Market is___ RBI
784 Bank‘s registered office is at___ Kolkata
785 Bank’s Corporate Office is at___ Mumbai
786 Digital Life Certificate for Pensioners ____ Jeevan Praman

787 Pension for the month of March is payable on___ 01st working day of April
788 Pensioner‘s complaints received on line should be acknowledged within_ Same Day
789 Migration of Non-Individual AOFs from Branches to LCPC w.e.f. 01-01-2017
790 Near Miss Event is___ An operational risk event
791 Designated Officer in case of Branches under Whistle Blower Policy__ DGM (Vigilance) at LHO
792 Online Fire Safety Audit, once in ____ years 2 Years
793 Online Electrical Safety Audit, once in ____ years 2 Years
794 Online Safety Audit of ATMs, once in __ year 1 year
795 Online Self – Audit by BMs, once in ___ months 6 Months
796 Insurance of Bank‘s own assets is covered by___ National Insurance Co. Ltd.
The testing of fugitive ink must be carried out for payment of cheques for
797 Rs. 25000 & above.
value Rs._______ .
Tele-calling and getting confirmation from the drawer for suspicious
798 Rs. 2.00 Lacs & Above
cheques and all non-home cheques of Rs._______.
799 Contact Centre, accessible in ____ different languages. 12 Languages
800 Name the SBI Wealth Management Initiative____ SBI Exclusif
801 Smurfing, Layering and Integration are three types of__ Money Laundering Activity
Branches may open ____bank account in favor of foreign students
802 NRO Account
studying in India.
Individuals with total deposits of Rs.1.50 Crores or more are categorised
803 High Risk
as___ risk customers.
804 _____shall be the Principal Officer for AML/CFT matters. GM (AML/CFT)
The maximum amount to be accepted in Term Deposits on behalf of a
805 Rs. 2.00 Lacs
minor, without guardianship, will be restricted to Rs____
806 FATCA stands for Foreign Account Tax Compliance Act
807 CRS stands for Common Reporting Standards

Important portions of the Trust Deed relevant to the trust account must be
808 Branch Document Register
entered in the___
809 A contract of Insurance is a contract of___ Indemnity
In the case of dishonor of cheque due to insufficiency of funds the Twice the amount of cheque or
810
punishment under Section 138 of N.I. Act is two year imprisonment or both
Before filling suit against the drawer of cheque, time of ___ days to be
811 15 Days
given to drawer for payment of cheque.
812 Unclaimed deposits are classified by the bank as ___liabilities Current Liability
813 Fixed Rate loans beyond ___ are exempted from Base rate / MCLR. 3 Years
When loan is to be granted against the security of a LIC policy, which
814 Assignment
charge is to be created___
In case of mortgage of immovable property as collateral security, a search
815 30 Years
report from legal counsel is insisted upon for_ years
In unavoidable circumstances where vehicles are not available, cash
816 Below Rs. 2.00 Lacs
remittances may be carried on 3 wheelers upto a ceiling of___
817 For Cash Remittance up to Rs. 50 Lacs, No. of escorting guards___ One Guard
Counterfeit Notes should be preserved for ___ years from the date of
818 3 years
receipt from the police authorities
819 Counterfeit Notes subjected to verification at Half-Yearly on__ 31st March & 30th September
The counterfeit Bank note acknowledgement receipt should be The Cashier as well as by the
820
authenticated by__ tenderer.
821 Validity of RBI draft is___ 6 Months
822 The Hologram has nine digit number. The first two digits represent__ Circle Code
823 (a) If the collection is realized beyond ___, it is treated as Abnormal Delay 45 Days
823 (b) If the collection is realized beyond ___, it is treated as Extraordinary Delay 90 Days

If the customer has suffered any loss incidental to return of a cheque or not
carrying out of direct debit instructions due to insufficiency of balance on
account of the unauthorized / erroneous debit, Bank will compensate the
824 customer to the extent of such financial loss in addition to an amount Minimum Rs.100/-
equivalent to interest calculated on the unauthorized/erroneously debited
amount at applicable Savings Bank rate, minimum_____, besides
refunding the cheque return charges.
In case verification of the entry reported to be unauthorised /erroneous by
the customer does not involve a third party, the Bank shall arrange to
825 7 working days
complete the process of verification within a maximum period of
____from the date of reporting of erroneous debit.
If a fraud, in the account of a customer, has been committed by a member
of staff, and has been so established, the Bank will not only restore the
826 amount, it will also pay compensation _______above the applicable @ 1%
interest rate in respect of deposit/overdraft/loan account, for the period, on
the amount involved.
In case where neither the Bank is at fault nor the customer, but the fault
lies elsewhere in the system, the Bank will help in restoring the actual
Rs.100/- per fault of Rs.5000/-
827 amount involved and, as a gesture of goodwill & to deal with the
(maximum Rs.1000/-)
customers fairly, will also compensate the customer with Rs._______ for
each instance
In the event of non-compliance/delayed compliance of ECS direct
debits/other debits to accounts, compensation may be equivalent to the Rs. 100/-, (subject to a maximum
828
interest calculated on the amount to be debited, for the delayed period, at of Rs.1,000/-)
applicable Savings Bank rate, with minimum of________.
The instruction for Stop Payment of cheque/ blocking of lost ATM card Home Branch / through Contact
829
will be accepted at ____ centre/ Internet Banking.
In case a cheque has been paid after acknowledgement of its stop payment
instruction /ATM Card has not been blocked after such a request has been
Two working days &
acknowledged by the Bank, Bank shall reverse the debit on account of
830
stopped cheque/ blocked ATM card with value dated credit within ______
Rs.100/-.
of the customer intimating the transaction to the Bank, and
also compensate the customer with _____.
Cheques deposited in the drop-box_____. will be sent for clearance on
831 Up to 11 A.M
same day, for which the clearance period will be T+1 working days.
Cheques deposited ___will be sent for clearing on next day, for which
832 After 11 A.M.
clearance period will be T+2 working days.
Bank will pay interest on the amount of the cheque for a further period of
833 ____at Savings Bank rate to provide for possible further delay in obtaining 15 days
duplicate cheque /instrument and collection thereof.
The Bank would also compensate the customer for any reasonable charges
which he/she incurs in getting duplicate cheque/instrument upon
834 production of receipt, in the event the instrument is to be obtained from a Rs. 250/-
Bank/institution who would charge a fee for issue of duplicate instrument,
subject to a maximum of Rs.____.
The time limit for resolution of customer’s ATM complaints by the issuing
835 7 working days
banks is _____from the date of receipt of customer complaint.
Failure to re-credit the customer’s account within 7 working days of
receipt of the complaint shall entail payment of compensation to the
836 Rs. 100/- per day
customer @ Rs.____ by the issuing bank, provided the claim is lodged
with the issuing bank within 30 days of the date of transactions
If the pension is credited beyond due date-II (i.e. last date of next month
837 also), the pensioner may be compensated for the delay beyond due date-II 8% fixed rate
at the rate of _____on the pension/arrears for the delay period.
Duplicate IOI will be issued within 5 working days from the receipt of
838 such request from the purchaser thereof. In the event of any delay beyond Rs.100/-
5 days, a compensation of _____will be paid
Timeline for payment of compensation within ___ after the deficiency is
839 within 15 (fifteen) days
acknowledged.
840 Expand VPIS Valuable Paper Inventory System
841 Inter Office Instrument type is___ 16
842 Who can damage the IOI in CBS to reprint it ? Vault Teller (User Type-50)
All requests for Drafts / Bankers’ cheque for Rs. 50000/- and above should
843 mandatorily be processed through _____ irrespective of the production of Customer’s Account Only.
PAN / Form 60-61

INDICATIVE TIME NORMS FOR TRANSACTIONS
(to be reckoned after reaching the counter request being received by the Bank)
844 Encashment of cheque 5 Minutes
845 Receipt of cash (for 100 pieces of notes) 3 Minutes
846 Issue of Demand Drafts 10 Minutes
847 Payment of Demand Drafts 8 Minutes

Issue of Cheque books Branches not linked to LCPC in10 Minutes but if
848 Maximum 7 Days
Branches linked to LCPC__
849 Opening of accounts 10 Minutes
850 Issue of duplicate card/PIN 7 Working Days
851 Transfer of Accounts 7 Working Days

852 NPA Account outstanding more than 1.00 Cr up to Rs. 10 cr. transferred to SARB
853 NPA Account outstanding more than 10.00 Cr, transferred to SAMB
854 Small Enterprises, Which is having turnover upto Rs.___ 5 crore
855 Medium Enterprises, Which is having turnover of Rs.___ More than 5.00 crore
856 ESR (Early Sanction review) is applicable to___ Above 50 Lakhs to Rs. 5 crore
857 LRM (Loan Review Mechanism) is applicable to___ Rs. 5.00 crore & above
858 Income in NPA account is on___ Actual / Realization Basis
859 Income in Standard account is on___ Accrual Basis
860 Expand NSFR Net Stable Funding Ratio
861 If outstanding is more than Drawing Power, then account will be__ Out of Order
862 When such Out of order continues for More than ___ days, becomes NPA 90 days
Account turns into NPA when sufficient credit / Interest survicing not
863 90 days
available for ___
864 Stock statement not submitted up to ___ days account will be out of order 90 Days
Further such out of order continues in regard to Stock statement for next
865 NPA (i.e. total in 180 days)
90 days, account will be___
867 Renewal of Account not done after ___ days, account will be NPA 180 days
868 If Security Erosion more than ___, turns into NPA. 90% of Realizable value
869 EMI / Principal / Interest overdue for ___ days, account will be NPA 90 days
870 Advance value refers to__ (Market Value - Margin)

Advance value or Limit
871 Drawing Power is equal to
whichever is less.
872 If Security Erosion more than 50% of Realizable value, Account will be Doubtful Category

Provision in NPA Accounts
873 As per Provisioning Norms- Provision for Substandard Account (Secured) 15%
874 As per Provisioning Norms- Provision for Substandard Account (Unsecured) 25%
875 As per Provisioning Norms- Provision for Doubtful Category-1 (Secured) 25%
878 As per Provisioning Norms-Provision for All Doubtful Category (Unsecured) 100%
879 As per Provisioning Norms- Provision for Loss Assets 100%
880 Expand IRAC Income Recognition Asset Classification
881 ___ Both type of account can be written-off as provision is 100% Doubtful-3 & Loss category
Provision in Standard Accounts
882 As per Provisioning Norms- Provision for Agri Loans & MSE loans 0.25%
As per Provisioning Norms- Provision for Medium Enterprises & P-Seg
883 0.40%
loans, Mid Corporate & Large Corporate Loans
884 As per Provisioning Norms- Provision for CRE (Residential) Housing loans 0.75%
885 As per Provisioning Norms- Provision for CRE (Commercial Loan) 1.00%
Additional funding facility. It will be standard for 12 months. If after 12 months any
886 Rehabilitation Means-
account is in NPA, it will also be turn into NPA.
Amend in existing repayment duration. NPA account turns into NPA and are under
887 Restructuring Means-
review for 12 months. If performance is satisfactory, it turns into Standard assets.
888 Loan, Which doesn’t have any security either primary or collateral called Abinitio Unsecured Loans
889 Micro & Small Enterprises involve in Manufacturing Activity called__ SSI (Small Scale Industries)
890 Micro & Small Enterprises involve in Trading & Services activity called__ SBF
Medium Enterprises involve in Manufacturing, Trading & Services
891 C&I (Commercial & Institution)
activity called
892 As per New IRAC Norms, RG-00 & RG-03 means No overdue upto__ 30 Days
893 As per New IRAC Norms, RG-09, means __ Regular Account
894 As per New IRAC Norms, SMA-0 refers to- RG-00
897 National Banking Group deals with proposal of Rs. Up to___ 50 Crore
898 National Banking Group deals with proposal of Rs. Up to___ 50 Crore
899 Mid-Corporate Group deals with proposal of Rs. Up to___ > 50 Crore up to 500 Crore
900 Corporate Account Group deals with proposal of Rs. ___ > 500 Crore
901 Expand VMS Vendor Management System
902 Willful defaulters can be declared, who is having loans of ___ Rs. 25 Lacs & above
903 Non-Cooperative Borrower can be declared, who is having loans of ___ Rs. 5 Crore and above
A person or entity can be re-financed only after___ from the date of
904 After 5 years
removing their name from the willful defaulter’s list
Temporary Overdraft of Rs. up to ______ and casual purchase of cheque
905 Rs. 25000 & Rs. 5000/-
of Rs. ______ at a time is not treated as Credit Facility

Takeover Rating Criterion
906 ECR (External Credit Rating) is applicable to___ Rs. 10.00 Crore & above
907 For Exposure (25 Lacs to 10 Crore) CRA should be SB-7 or better
CRA should be SB-7 or better &
908 For Exposure (10 Crore to 50 Crore) If ECR NOT available.
Collateral at least 75%
909 For Exposure (10 Crore to 50 Crore) If ECR available.
ECR should be- “BBB” or better
910 For Exposure (above 50 Crore) If ECR NOT available. CRA should be SB-5 or better
911 For Exposure (above 50 Crore) If ECR not available.
ECR should be- “BBB+” or better
912 Generally, takeover of loan of Rs. ___ is considered in our Bank. Rs. 25 Lacs & above
90 Days in takeover case and
913 Perfection of security must be completed within __ of disbursement.
6 months in normal case
Takeover in Agriculture
914 Minimum amount eligible for takeover, in case of ACC accounts Rs. 1.00 Lacs
915 Minimum amount eligible for takeover, in case of ATL for allied activity Rs. 10.00 Lacs
Minimum amount eligible for takeover, in case of ATL for other than
916 Rs. 2.00 Lacs
allied activity
917 Maximum amount eligible for takeover in Agriculture is__ Rs. 2.00 Crore
918 ATL having residual repayment period of ___ is eligible for takeover 2 Years
15% of Bank’s Capital Fund
919 Exposure Norms, In case of Single Borrower is +
5% for Infrastructure
40% of Bank’s Capital Fund
920 Exposure Norms, In case of Borrower Group, is +
10% for Infrastructure
921 Substantial Exposure in case of Single Borrower is- 10% of Bank’s Capital Fund
922 Expand LEF Large Exposures Framework
923 Expand IPEL Internal Prudential Exposure Limit
924 Expand UFCE Un-hedged Foreign Currency Exposure
925 Expand FITL Funded Interest Term Loan
926 Expand FEDAI Foreign Exchange Dealer’s Association of India
927 Expand EPC Export Packing Credit
928 Expand “LIE” Lender’s Independent Engineer
929 Term Loan tenure normally be___ 10 Years
930 For Manufacturing Unit Current Ratio (Desired & Acceptable level) is >1.33 & >1.00 respectively
931 For Trade & Service Unit Current Ratio (Desired & Acceptable level) is >1.20 & >1.00 respectively
932 DSCR (Debt Service Coverage Ratio) (Desired & Acceptable level) is >=1.50 & >=1.20 respectively
933 FACR (Fixed Assets Coverage Ratio) (Desired & Acceptable level) is 1.25
934 Adhoc limit are to be reviewed not later than ___ from its sanction. 3 Months
When Adhoc limit is not reviewed/renewed within ___ from its sanction,
935 180 Days.
becomes NPA.
936 Facility Rating in CRA is applicable for exposures of___ Beyond Rs. 5 Crore
937 Dynamic Review of Rating is applicable to ___ Rs. 10 Crore & above
Hurdle rate of rating for New/Existing proposal for fresh / renewal as the
938 SB-10
case may be, is__
Working Capital Limit and Term Loan sanctioned but not utilized or
939 6 Months
availed within ___ from the date of sanction, need REVALIDATION

940 Bank Guarantee is issued /renewed for a period of maximum- 18 Months
941 Maturity period of Bank Guarantee is__ 10 Years
942 Above 10 years, BG can be issued against ___ with prior approval. 100% cash margin
943 Countries have been classified in ___ risk categories. 11 risk category
Cost of CGTMSE up to Rs. ___ is borne by the bank and beyond it will be
944 Rs. 50 Lacs
borne by the customers.
945 In case of ____ Loan, full fee of CGTMSE is borne by customer. Term Loan
946 UCC refers to Unconditional Cancellability Clause
947 If recovery is in NPA account, then sequence of recovery is Charges, Interest then Principal
948 Drawing Power is calculated on the basis of stock statement not older than 3 Months
949 Provision in case of Willful defaulters (in Standard Account) 5%

Banks are to submit quarterly return on borrowers exposures of Rs. ____
950 Rs. 5 Crore & Above
to RBI-CRILC
951 Expand IBC Insolvency and Bankruptcy Code-2016
952 Expand BIFR Board for Industrial & Financial Reconstruction
953 Expand ECIB Export Credit Insurance for Banks
954 Expand FFR Financial Follow-up Reports

___ LC authorizes an intermediary bank to make an advance to the
955 Red Clause Letter of Credit
beneficiary before shipment.
Apart from advance for pre-shipment, ___ LC gives advance to the
956 Green Clause Letter of Credit
exporter to cover storage at the port of shipment.
957 Our Bank issues only ___ Irrevocable LC
958 If Central Government repudiates its guarantee, account will turn into__ NPA
Policy Guidelines
959 CASA as on 31-12-2016 46.55%
960 CASA Target minimum 46%

According to IMF’s World Economic Outlook, Global Growth is
961 3.4%
estimated to slow at 3.1% in year 2016 before recovering __% in 2017.
962 CSO estimates GDP growth __% as on 31.03.2017 7.1%
963 SBI estimates GDP growth __% as on 31.03.2017 6.7%
964 Agriculture Growth __% in Year 2017 4.1%
965 Industry Growth __% in Year 2017 5.2%
966 Service Sector Growth __% in Year 2017 8.8%
967 Inflation in Whole Price Index ___ % in Jabuary-2017 5.25%
968 Inflation in CPI ___ % in Jabuary-2017 3.17%
969 Current Account Deficit down by ___ in Q2-2017 $ 3.4 Billion
970 Foreign exchange reserve increased ___ Q2-2017 $ 8.5 Billion

The fortnightly data of ASCB indicates that credit off take (YOY) has
971 been declined to historical low of ___% as of week ending 17.02.2017 4.76%
compared to the last year’s growth of 11.6% in Feb-2016.
972 Under Make in India concepts, India targets to manufacture ___ products 181 products
973 India currently imports goods across ___ sectors 25 Sectors

Smart Cities: An investment of ______over a five-year period has been
974 Rs.50,802 Crore
proposed in these 100 cities.
975 Renewal Energy: Annual Target is ___ by year 2020 175 GW
976 Skill India: To train minimum ___ skilled work force by year 2022. 300 Million
977 __% of our population based on agriculture. 70%
978 BASEL-III to be implemented by__ 31-03-2019
979 Expand ETECP End to End Credit Process

Our bank is able to sell only ___ products per customers against average 3
980 1.97 products
in private banks.
Target to sell at least ___ products to new customer and ___ new products
981 3 & 2 respectively
to existing customers respectively.
982 Cost to Income ration as on Dec-2016 decreased by 1.3%, Now it is__ 49.48%
983 Expand D-SIB (SBI & ICICI are identified as D-SIB) Domestic-Systemically Important Banks
984 CAR (Capital Adequacy Ratio) in March-2018 at__% 11.325%
985 CAR (Capital Adequacy Ratio) in March-2019 at__% 12.10%
Approach for good quality data feeding in system so that it is
986 GET IT RIGHT FIRST TIME refers to- ensured of Data integrity. New account set-up complete and correct
in all respect and existing errors are corrected in CBS.
JAM (Jan Dhan- Aadhar- Mobile) trinity envisages linking India’s ____to
987 900 million mobile users
their Bank accounts and also links them with Aadhar.
988 Expand ANBC Adjusted Net Bank Credit
989 Expand EWS Early Warning System
990 Expand AQR Asset Quality Review
991 Expand MRPA Market Risk Participation Agreement
992 Expand CEEP Customer Excellence Experience Project / Prgramme
993 Expand AUM Asset Under Management
994 SBI Mingle is introduced on___ 01-07-2016 (On Bank’s day)

Under SBI Wealth Management - SBI Exclusif, 1956 HNI customers have
995 Rs.1525 crore
been on-boarded with ____AUM as on 31st December 2016.
Under SBI Wealth Management - SBI Exclusif, we should target at least
996 5000 HNIs
____customers with AUM of Rs. 5000 crore in FY 2018.
997 SBI Buddy was launched on___ with 13 languages. 18-08-2015
998 Target for Overheads increase for-Circles at 10.5%

Target for Overheads increase for- Corporate Centre Establishments
999 10%
including apex training institutions at__
1000 Target for Overheads increase for-I&MA including ZIOs 5%
1001 Target for Overheads increase for-GITC at _ 35%
1002 After Merger approx increase in Branches is__ 6000
1003 After Merger approx increase in Staff is__ 70000
1004 Target for F.Y. 2018- Operating Profit to increase by minimum 17%
1005 Target for F.Y. 2018- Net Interest Income to increase by minimum 6%
1006 Target for F.Y. 2018- Overheads to increase by maximum 14%
1007 Target for F.Y. 2018- Cost to Income ratio- below 48%
1008 Target for F.Y. 2018- NIM Domestic -Minimum 2.90%
1009 Target for F.Y. 2018- Gross NPA- Ratio below 6.75%

1010 Target for F.Y. 2018- AUCA recovery Rs. 6000 Crore
1011 Out of Total AUCA recovery of 6000 Cr. target for SAMG is Rs. 3825 Crore
1012 Target for F.Y. 2018- Growth in Deposits YoY- Minimum 9%
1013 Out of total deposit growth, Target in Saving Bank Deposit Growth 7%
1014 Out of total deposit growth, Target in Current Account Deposit Growth 21%
1015 Growth in Advances YoY- Minimum 11%
1016 Out of total advance growth, Target in Retail Segment- 18%
1017 Out of total advance growth, Target in Home Loan- 17%
1018 Out of total advance growth, Target in Auto Loan- 17%
1019 Target for F.Y. 2018- Other Income to increase – Minimum 30%
1020 Target for F.Y. 2018- ROA (Return on Assets) Minimum 0.55%
1021 Target for F.Y. 2018- ROE (Return on Equity) Minimum 9.50%
1022 Target to reduce customers’ complaints by __% in F.Y. 2018 50%

While GOI has so far allocated Rs.5,681 Crore of Capital during FY 2017,
1023 Rs.9,100 Crore
the Bank has raised __of Additional Tier-I Capital during the year till date
The Capital Adequacy Ratio (CAR) of the Bank was __% as on
1024 13.73%
31.12.2016.
1025 Daily Average Transaction in POS is___ 5.52 Lacs
Total percentage of Any Time Channel is 77.32% (December-2016) and
1026 85%
targeted at __% by March-2018
1027 Digital Banking Includes___ INB, MBS, POS & KIOSK
IBG contributes 14% in balance sheet and __% in Profitability of the Bank
1028 30%
as on 31-12-2016.
1029 As on December 31, 2016 Bank’s PSL lending was ___of its ANBC. 33.01%
Technology
Through INB, Fund Transfer within own account (same customer number)
1030 Max- 1,00,00,000/- (1.00 crore)
in same branch
1031 Through INB, Creation of e-TDR/e-STDR (Minimum- 1000/-) Max- 99,99,999/-
1032 Through INB, Creation of e - RD (Monthly instalment) (Min 100/-) Max- 99,99,999/-
1033 Through INB, Fund Transfer within SBI (Third Party) Max- 10.00 Lacs
25,000/- Per Transaction
1034 Through INB, Transfer through Credit Card (VISA) Bill pay
(Per day Max. 50,000/-)
1035 Through INB, IRCTC & Merchant Transaction limit Max- 5.00 Lacs
1036 Through INB, Inter Bank Transfer (NEFT) Min- 1/- Max- 10.00 Lacs
1037 Through INB, Inter Bank Transfer (RTGS) Min- 2. Lcas; Max- 10.00 Lacs
1038 Through INB, Immediate Payment Service (IMPS) Max-Rs. 2.00 Lacs
1039 (By INB) Demand Draft / Donation / Bill Payment /Top-up Prepaid Card Max- 5.00 Lacs
Through INB, Contribution to New Pension System (Tier-I, Min-500/-)
1040 Max- 10.00 Lacs
(Tier-II, Min-250/-)
1041 Through INB, State Bank Collect (i-Collect)(wherever applicable) Max- 10.00 Lacs
1042 Through INB, All Taxes payments Max-Rs. 2.00 Crore
1043 Through INB, Portfolio Investment Scheme (PIS) for NRIs Max-Rs. 1.00 Crore
1044 Through INB, IPO for Retail investors Max-Rs. 2.00 Lacs
Above Rs. 2.00 Lacs
1045(a) Through INB, IPO (Initial Public Offering) for HNIs
Max-1.00 Crore
Yes Minor of 10 years or more &
1045(b) Can a minor submit information online for opening Savings Bank account
can sign uniformly

1046 Through INB, DMAT (Lien marking) Max-Rs. 1.00 Crore
1047 No. of active Gift Card at a time__ Min-1 Card, Max- 10 cards
A new beneficiary, if approved by you during the period from 6.00 AM to
1048 within 4 hours
8.00 PM, will be activated on the same day _____
During the first 4 days after activation (cooling period), you can transfer a
1049 Rs. 100000/-
total of ______to a new beneficiary
Login Password for Retail INB customers is mandatory to be changed
1050 180 days
after__ Days.
1051 For Nomination Enquiry through INB, now OTP is _____ Not Mandatory
1052 Quick Transfer Maximum Limit- Rs. 10000/- Per day
1053(a) Quick Transfer facility using IMPS mode is currently available ___ between 8 a.m to 8 p.m
1053(b) Combination of “ALT + 0” key to deactivate user while using INB called__ Deadman’s Switch
1054 IMPS transaction upto Rs. ____No Charges. Rs. 1000/-
Cut off time for PPF transactions is 8 : 00 P.M. Any PPF transaction
1055 created between 8 : 00 P.M. and 12:00 A.M. on a particular day will be after 7 : 00 A.M.
processed ________on the next day.
1056 Through INB, Timing of RTGS- 8:00 A.M. to 4:00 P.M
1057 Through INB, Timing of NEFT- 7:00 A.M. to 6:30 P.M
Through INB, International Funds Transfer, Currently the facility is
1058 USD, EUR and GBP.
available only in 3 international currencies viz.___
Through INB, International Funds Transfer, Currently the facility is
1059(a) 11 overseas
available for ___ overseas destinations
Time limit within which one must approach a branch after submitting the
1059(b) 30 days
information online, for opening Savings Bank account online.
International Funds Transfer, Maximum amount of a single transfer is
1060 USD 5000
_____or equivalent in foreign currency
International Funds Transfer, Only up to _____are allowed for a single
1061 4 remittances
customer per calendar month.
1062 Through INB, The courier charges for delivery of demand draft by courier Rs.50/- + Service Tax
IMPS outward transactions are allowed to transfer collective of amount
1063 Rs.40,000/-
______between 08:00 PM and 08:00 AM.
Benficiary Mobile Number or
1064 For State Bank mCASH - Send Money either by
Email Id is mandatory
1065 State Bank mCASH -Transaction limit ____per transaction. Rs.1101/-
1067 State Bank mCASH – Transaction per Day limit ______. Rs.2202/-.
State Bank mCASH – The maximum limit of fund transfer _____in a
1068 Rs.5101/-
month, per user.
1069 State Bank mCASH- The customer would be charged at __per request Rs. 2.50
The passcode generated in mCash to claim money by the beneficiary is
1070 5 days
valid upto__?
Online OD against Fixed Deposit- The Mode of Operation in STDR/TDR
1071 Single
should be-.
Online OD against Fixed Deposit- The minimum residual tenor of
1072 6 months and above
TDR/STDR should be __
The limit for overdraft against STDR and TDR is ____ and ____ of the
1073 90% for STDR & 75% for TDR
value of STDR & TDR respectively.
1074 Minimum & Maximum OD limit against the TDR/STDR should be __ Rs. 25,000/-. & Rs. 5.00 Crore
Maximum Repayment period has been capped at ____against STDR/e-
5 years for STDR &
1075 STDR and ___against TDR/e-TDR respectively for Overdraft availed
3 years for TDR
online.
1076 e-RD Holiday Savings Account- Tenure of deposit is__ 12 Months
For e-RD, Whenever a depositor fails to pay the installment on due date
1077 for three consecutive months the account shall not be closed and service Rs 10/-
charge of______is applicable.
For e-RD, The Penalty in case of delay in payment of installment of RD of Rs 1.50 for every Rs 100 per
1078
5 years or less shall be_____. month
For e-RD, in case of delay in payment of installment of RD for more than
1079 Rs 2/- for every Rs 100 per month
5 years shall be____

Maximum Transaction Limit per
1080 Maximum Top-up for SBI Buddy through INB is___
day Rs.5000/-
1081 Virtual Card limit ___ Min- 100/- Max- 50000/-
48 Hours or transaction which
1082(a) Validity of Virtual Card limit ___
occurs first.
1082(b) No. of Virtual Card can be generated at one point of time___ Only One
1083 Virtual Card is base on ____ platform. VISA
For default Image Gift Card ,If the Gift Card is not topped up within
1084 __from the date of issuance, a charge of Rs.120 will be recovered from One month
your account
For Image Based Gift cards (for specific occasion), an issuance Fees of
1085 Rs.105+ST (as applicable)
___will be debited from your account at the time of card order.
Validity of Gift Card is__
1086 3 years
Gift cards will be issued from full KYC complied accounts of our Bank only.
1087 Limit of Gift Card is __ Min- 500/- Max- 50000/-
Maximum load at any point of time cannot exceed Rs.10000/-
Minimum and Maximum limit for top up of Re-loadable with a load/reload limit of Rs. 10,000/- with
1088
Smart Payout card monthly ceiling of Rs.25, 000/-. (limit of Rs.10000/- per
transaction and Rs.25000/- per month)
Smart Payout card - Cash withdrawal at any SBG ATMs (free of charge) Rs.20/- for cash withdrawal &
1089
and with charge at other Bank’s ATM IS (Daily Limit Rs. 10000/-) Rs.9/- for enquiry
1090 Smart Payout card ISSUANCE charge is__ Rs.105+ST (as applicable)
An ideal product for making periodical payments like salary, wages,
1091 commission, etc and also can be issued as an add-on Card for the existing Smart Payout card
account holders.
1092 Validity of Smart Payout card is__ 10 Years
1093 Minimum amount of issue - Smart Payout card Rs. 100/-

No.of Smart Payout Cards For Individuals: ______per account for fully
1094 Maximum 3 Cards
KYC complied account.(excluding current account)
1095 State Bank Achiever Card-Validity of the Card 10 Years
1096 Minimum Limit of State Bank Achiever Card is __ Min- 100/-

Rs.1,00,000/-. [ For employess of
1097 Maximum Limit of State Bank Achiever Card is __ State Bank Group the limit has
been enhanced to Rs.2,00,000/-]
1098 Minimum & Maximum limit of State Bank eZ-Pay card Min- 100/- Max- 50000/-
1099 State Bank eZ-Pay Card-Validity of the Card 10 Years

For payment of Government disbursements like Scholarship, social
benefits like NREGA, Anganwadi staff salary, old age pension,
1100 State Bank eZ-Pay Card
Wages/Bonus/incentives to employees, Periodical payment of incentives to
agents/commission to distributors & Remittances received from abroad.
1101 Transaction limit in Retail INB & CINB ____ is same. CINB SARAL
1102 How many variants are there in CINB? 5 (Five)
1103 Other Name of CINB- Khata Advantage
1104 Other Name of CINB- Khata Plus Advantage
1105 Other Name of CINB- Vyapar Privilege
1106 Other Name of CINB- Vistar Freedom
Uniform Resource Locator (URL) Address of Complaint Management
1107 https://10.0.22.170:8070/CMS
System (CMS) is
1108 URL Address for Branch Interface login- http://192.168.25.52
1109 Expand IRATA Internet Banking Request Approval Through ATM
1110 Maximum Transaction Limit per transaction in Vyapar is- Rs. 50 Lacs per Txn
1111 Maximum Transaction Limit per transaction in Vistarr is- Rs. 500 Crore per Txn
1112 For applying Online SB account opening, max a/c holder can be _____ Max. Two Account Holder

1113 Expand TMK Terminal Master Key
How many last transactions does an ATM Machine provide in mini
1114 Last 10 Txn
statement?
1115 PBF refers to Positive Balance File
1116 CAP in State bank Connect stands for___ City Aggregation Point
1117 CVV stands for Card Verification Value

Opticash referes to-Management of cash in ATM at the level indicated
1118 Opticash refers to
by the vendor to ensure against cash outage, without loading full cash.
1119 Which card has 19 digits on it Maestro Card
1120 BHS stands for Business Hour Safe

Maximum Cash withdrawal limit for State Bank Premium and Pride card
1121 Rs. 2 Lacs & Rs. 1 Lacs
respectively
1122 PAI in case of State Bank Premium & Pride Card respectively Rs. 5 Lacs & Rs. 2 Lacs
1123 Maximum C2C (Card to Card) fund transfer limit for debit card is in a day Rs. 40000/-
1124 EMV refers to Euro Pay, Master & Visa
1125 PAI in case of GOLD Debit Card Rs. 2 Lacs
1126 PAI in case of Platinum Debit Card Rs. 5 Lacs
1127 How many account(s) can be linked to SME Insta Deposit Card? 3 Accounts
Max 16 (3 through CBS & rest 13
1128 How many account(s) can be linked to a ATM Card?
through Service Desk)
1129 The service provider for POS is______ Prizm Technology
1130 SME Insta Deposit Card validity period is__ 10 Years

Metro ATM in 6 Metro centres (Mumbai, Delhi, Kolkata,
Chennai, Bangalore & Hyderabad) with 96% targeted
1131 Difference between Metro ATMs & Star ATMs availability.
STAR ATM in 4 metro centres (Mumbai, Delhi, Kolkata,
Chennai) with 100% targeted availability.
If the Overnight Cash Retention is more than 15% (of the total cash taken
1132 from Bank on Monthly basis), a penalty of __ % per annum will be levied 6% P.A.
on the excess cash retained in the vault during the month?
1133 Maestro Card’s validity period ends in Year 2049
No, (But only in case of Jan Dhan, Rupay Card can be
1134 Whether illiterate can be provided ATM?
provided)
1135 Expand QR Code Quick Response Code
1136(a) POS Limit in Classic Debit card & Global Debit Cards respectively? Rs. 50000/- & 75000/- respectively
1136(b) POS Limit in Gold & Platinum International Debit Cards. Rs. 2.00 Lacs (for Both)
1137 First ever talking ATM in SBI was installed at__ JNU Delhi on 04.10.2012
1138 Expand VPA Virtual Payment Address
1139 Expand UPI Unified Payment Interface
1140 Expand CDMA Code Division Multiple Access
1141 Expand GPRS General Packet Radio Service
1142 Expand CCDP Centralised Credit Data Processing
1143 Expand IMPS Immediate Payment service
1144 Expand VSAT Very Small Aperture Terminal
1145 Expand USSD Unstructured Supplementary Services Data
1146 Expand OCAS Online Customer Acquisition System
1147 Expand NPCI National Payment Corporation of India

1148 Expand ASBA Applications Supported by Blocked Amount
1149 Expand VIRUS Vital Information Resources Under Seize
1150 Expand CDC Central Data Centre
1151 Expand DCPK Debit Card Printing Kiosk
1152 Expand MIT (in case of INB) Manual Intervention Transaction
1153 Expand MTSS Money Transfer Service Scheme
1154 Expand BAS Biometric Authentication Solution
1155 Expand TCRN Temporary Customer Reference Number
1156 Expand DNS Deferred Net Settlement

PIN entry time reduced from 30 seconds to 20 seconds and display time of
1157 screen “Do you want some more time” reduced from 60 seconds to ___ 05 SECONDS
seconds
1158 ATM card can also be blocked by SMS last four digits of the card no. to 567676
1800112211 & 18004253800 &
1159 Contact Centre Helpline No-
080- 26599990
1160 ATM Maintenance Service Providers are___ NCR, FSS & DIEBOLD
1161 Central Hub of HCL Comnet is located at Noida
Software used at ATM Switch Centre is _____ and supplied by ACI
1162 BASE24
Worldwide, Singapore
ATM Switch Centre (ASC) is located at CBD, Belapur, Navi Mumbai.
1163 Central Business District
Here, CBD stands for
1164 FIRST Public Sector Bank to Install ATM in INDIA – Indian Bank
1165 Installation of FIRST ATM By SBI- At ______in 1993 Jamshedpur

ATM - stands for- Automated Teller Machine FIRST ATM in the world
1166 Bar-clays Bank, Year-1967
was installed by ______in London in_____
Out of 4 contact centre of SBI at Kolkata, Agra, Vadodara &
1167 Vadodara
Bangalore, which is the first contact centre ?
1168 Internet Banking Site is maintained by__ Tech Mahindra
1169 Internet Banking Site is encrypted using __encryption and verified by___ 256 bit, Verisign
ATM Switch Centre has been awarded with the “ISO
1170 27001
Certification___indicating highest technical and Security/safety standards
1171 MMID (Mobile Money Identifier) comprises of how many digits 7 Digits
1172 Our Bank’s first four digits are__ 9002
1173 The maximum deposit allowed through cash deposit machine is? Rs. 2.00 Lacs
 00 or 01 – Transaction Successful
 50 – Unauthorized Usage
 51 – Expired Card
 52 – Invalid Cards
 53 – Invalid Pin
 58 or 59 – Insufficient Fund
 60 – Usage Limit Exceeds
1174 Some Important ATM Error Codes-  62 – Pin Tries exceed
 70 – System error
 71 – Contact card issuer
 76 – Dormant Account
 77 – Account is Locked
 78 – Inoperative Account
 79 – Account not connected to card
 150 – Blocked Card
1175 The maximum limit per transaction in Western Union money transfer is $ 2500
1176 The issuance fee for SBI FASTag is ___ Rs. 150/-
1177 The primary centre for Anti-virus solution is located at___ Hyderabad

1178 Integration of INB site with another site is called___ e-Handshake
1179 Expand MOPS Multi Option Payment System
1180 Expand URIB User Driven Registration for Internet Banking
1181 Expand STP Straight Through Processing
1182 The lastest e-waste policy of the bank was approved in ___year. 2016
1183 Software used by our bank at abroad branches is___ at acquired from__ Finacle (acquired from Infosys)
1184 The validity of Green Remit Card is ___years from date of issue 10 years
1185 Expand TPD (in GCC) Transaction Processing Device

BSNL (Firstly in 4 States named-
1186 State Bank MobiCash in partnership with __ company has been launched
Punjab, Rajastha, Haryana, Bihar)
In Mobicash, if the wallet is not used for___ the account will be treated as
1187 6 Months
suspended/dormant
Mobicash subscribers can also use this service over USSD by dialing
1188 *511#
which numbers?
1189 State Bank of India UPI App Name is___ SBI Pay
1190 SBI Pay- Per Transaction limit Rs. 10000/-
1191 SBI Pay- Per day Transaction limit Rs. 25000/-
1192 SBI Pay- Total no. of Transactions in a day (debit)__ 20 Txn
SBI Buddy- Limits Nil KYC Full KYC
1193 Maximum Balance at a Time Rs. 20000/- Rs. 50000/-
1194 Top-up per transaction Rs. 10000/- Rs. 10000/-
1195 Total Reload in Month Rs. 20000/- Rs. 50000/-

Daily- Rs. 15000 Daily- Rs. 50000
1196 Total Transaction (Merchant Transaction & fund Transfer)
Monthly- Rs. 20000 Monthly- Rs. 100000
Per Txn- Rs. 2000 Per Txn- Rs. 5000
1197 Fund Transfer (Transfer to Account) Daily Txn- Rs. 2000 Daily Txn- Rs. 5000
Monthly- Rs. 5000 Monthly- Rs. 25000
1198 4 Billers are in SBI Buddy- Prepaid & Postpaid Mobile, DTH, GAS &__ Electricity
1199 In SBI Buddy, Disputed Transaction will be reversed in__ days 15 Day
1200 In SBI Buddy, If talk-time not updated, amount will be reversed in__ days 5 days
1201 SBI Buddy- For registration minimum age should be__ 10 Years
1202 To install SBI Buddy via link, missed call to no- 09021122222
1203 In Buddy, ____no. of last transaction history___ Last 25 Transactions
1204 In Buddy, ____No. of contacts can be added in My Preferences 20 Contacs
1205 Contact less card work on NFC, expand NFC Near Field Communication
1206 Maximum per Transaction limit without swiping card is___ Rs. 2000/-
1207 Expand “e-RI” E-Return Intermediary
1208 Computer Security day is observed on__ 30th November
1209 Expand BHIM Bharat Interface for Money
After expiry of prepaid cards (all variants) the unutilized balances up to
1210 Rs. 500/-
what amount shall lapse to the Bank and Card will be closed
1211 BHIM App is available in___ 12 Languages
1212 The Imprest Card Validity is___ 10 Years
1213 Limit of Imprest Card ___ Min-100 & Max-50000

1214 For SBI No Queue, Service provider is__ Aurion Pro
1215 SBI “Mitra” is an app for SBI Employees for information on___ Mutual Funds
1216 Account statement can be accessed through State Bank Samadhan time___ From 6:00 am to 10:00 pm
Deposit in S.B A/c
Deposit in Loan A/c
1217 SBI Digi Voucher- 4 Facility Available-
Remittance- NEFT/RTGS
Draft
___is the social banking application of SBI which enables you to perform
1218 State Bank Mingle
basic banking activities through SBI official Facebook page /Twitter
Name the Facility- Just fill up the account opening form on the digital
1219 board at the bank and open your account in a jiffy. Walk-in with your SBI Scribe
KYC documents, walk-out with an account number.
1220 GRC (Green Remit Card) Daily & Monthly Transaction Limit__ Daily-25000 & Monthly-100000
1221 SWAYAM (No of Barcode digit) 8 digit
1222 In order to do Registration for SBI Quick First time SMS to ___ 09223488888
 Customers having Average Quarterly Balance (AQB)
minimum – Rs. 50000/- in SB/CA Or
 Depositor Having Deposit of >= Rs. 5.00 Lacs but <Rs.
1223 Criteria to Issue Gold International Debit Card
10.00 Or
 Home Loan >= Rs. 10 Lacs < Rs. 20 Lacs Or
 Car Loan >= Rs. 3.00 Lacs < Rs. 5.00 Lacs
 Customers having Average Quarterly Balance (AQB)
minimum – Rs. 1,00,000/- in SB/CA Or
1224 Criteria to Issue Platinum International Debit Card  Depositor Having Deposit of > Rs. 10.00 Lacs Or
 Home Loan >= Rs. 20 Lacs Or
 Car Loan >= Rs. 5.00 Lacs
CINB Features
Features Khata Khata Plus Saral Vyapaar Vistar
Transaction Right No No Yes Yes Yes

1 Cr. For own a/c No limit for own a/c No limit for own a/c
Transaction Limit No No 2 Cr. for Tax 2 Cr. for Tax 500 Cr. for Tax
10 Lacs for 3rd Party 50 Lacs for 3rd Party No limit for 3rd Party
Bulk Upload Transaction No No No Yes Yes
CBS Branch CBS
Product Type Branch Interface Branch Interface
(CIF Based) Interface (CIF Based)
Number of CIFs One Multiple One Multiple Multiple

Number of Account
One Multiple One One Multiple
Holding Branches
Upgradable No Yes No Yes No
Supplier payment No No 25 Lacs Per day 50 Lacs per Txn, 500 Cr. per Txn,
No limit in no. of Txn No limit in no. of Txn
Draft Issue No No 5 Lacs 50 Lacs per Txn, 1.00 Cr. per Txn,
No limit in no. of Txn No limit in no. of Txn
All Other All Other All Other
Eligibility of Customer Single (Prop.) Single (Prop.)
Customer Customer Customer
User Type Single Multiple Single Multiple Multiple
2 3 4
Minimum Number of
1 Admin & 1 Admin, Maker & Regulator, Admin,
Users Request
Enquirer Checker Maker & Checker
2 2
(INB Request C1, C3, C4, (INB Request Form C1, C3, C4, C5, C1, C2, C3, C4,
Number of Forms Form & PPK & PPK
C5, C6 C6 C5, C6
Acknowledgement) Acknowledgement)

1225 Expand IMT Instant Money Transfer
1226 IMT maximum transaction limit is_ Rs. 10000/-
1227 IMT maximum monthly transaction limit per beneficiary is_ Rs. 25000/-
1228 IMT Per sender maximum monthly transaction limit is_ Rs. 50000/-
1229 Under IMT facility maximum ___ beneficiaries may be. 10 beneficiaries
1230 The IMT ID generated is of _____digits 15 digits
Debit Card Variants PAI (Rs.) Purchase Protection (Rs.)
1231 State Bank Gold International Rs. 200000/- Rs. 5000/-
1232 State Bank Platinum International Rs. 500000/- Rs. 50000/-
1233 State Bank Pride (Business Debit) Rs. 200000/- Rs. 5000/-
1234 State Bank Premium (Business Debit) Rs. 500000/- Rs. 50000/-
1235 SBI Yuva International Rs. 200000/- Rs. 5000/-
1236 Name the Insurance Co. offering PAI facility in SBI Debit Cards National Insurance Co. Ltd
1237 Expand PADSS Payment Application Data Security Standards’
1238 In Microsoft Word, to check spelling, which key is to be pressed___ F7
1239 In Microsoft Word, to go for HELP, which key is to be pressed___ F1
1240 In Microsoft Word, for option “GO TO”, which key is to be pressed___ F5
1241 F12 key works as ___ Save As
1242 In Microsoft Excel, to amend any cell, which key to be pressed__ F2
1243 Tech Service provider for Mobile Banking___ Spanco Tele Systems Pvt Ltd.
1244 For redressal of grievances related to MBS & IMPS email to be sent to ___ mb.support@sbi.co.in
1245 The ID provided for State Bank Freedom is __ length and consists of___ 7 characters & Alpha-numeric
1246 Under MBS facility you can link up to ___accounts. 5 P-seg accounts (SB/CA)
1247 If MBS facility is not used for __ months, it gets deactivated automatically. 6 Months
Centralised Online
1248 CBS stands for Core Banking Solution, where CORE stands for___
Real-time Environment
1249 The brand name of CMP product of SBI is__ SBI FAST
1250 Bank’s WAN State Bank Connect is maintained and supported by__ Dimension Data Ltd.
1251 VVR checking has been made online w.e.f. ___ 01-10-2012
1252 The data related to online VVR is available in CBS up to____. 3 Years
1253 If a teller does not login for __ days or more, his/her uses ID gets inactive. 7 Days
1254 Software used in CBS for maintenance of data-base is___ Oracle
1255 Expand COV Customer One View
1256 Eximbills software is used for__ Forex Business
1257 Name the Antivirus being used in our Bank (SBI) Trend Micro
1258 Holiday Marking in Branch Calendar denotes as___ HH
1259 Maximum Capability level is at branch ___ & CDC ___ respectively. 9 in Branch & 16 in CDC
1260 Expand GLIF General Ledger Interface File
1261 Expand GLCC General Ledger Classification Code
1262 Expand GLCOMP General Ledger Comparison Report
1263 Expand IVRS Interactive Voice Recording
1264 Expand PKI Public Key Infrastructure
1265 Expand TCP/IP Transmission Control Protocol / Internet Protocol

1266 Expand INFINET Indian Financial Network
1267 Expand OFSA Oracle Financial Services Application
1268 Expand COBOL Common Business Oriented Language
1269 Expand IDRBT Institute for Development & Research in Banking Technology
1270 Expand MICR Magnetic Ink Character Recognition
1271 Expand ECS Electronic Clearing System
1272 Expand OBU Offshore Banking Unit
1273 Expand CTS Cheque Truncation System
1274 Under CTS, what is IRD___ Image Replacement Document
1275 The DRS (Disaster Recovery Site) for CTS is situated at___ Hyderabad
1276 The DR (Disaster Recovery) site for ATM, CBS & INB Switch located at__ Chennai
1277 CGL/BGL cash Difference A/c 1204505001
1278 CGL Suspense A/c 1111111111
1279 Technical Suspense A/c 1260505001
1280 Technical Support for sbi INTOUCH is provided by___ Accenture
1281 Network Operations Centre (NOC) of State Bank Connect is located at___ Bangalore
1282 No. of Digits in UTR (Unique Transaction Reference) 22
1283 No. of Digits in PPK (Pre-Printed Kit) 10
1284 No. of Digits in SYS 20
1285 Computer system failure is classified in the risk category of__ Operational Risk
1286 Spam mail from known source is called___ Spoofing
1287 Internet Piracy is known as___ Phishing
1288 Scrambling data for securing is known as___ Encryption
1289 Incremental back-up of data is to be taken at ___ intervals. Daily
1290 SAN (Short Account Number) is provided in cheques to enable___ Posting in CBS
1291 Customized forex outward remittance facility on the INB platform of bank__ remXout
1292 Trade Finance software of the bank known as___ and acquired from__ Eximbills (Taiwan-China)
1293 Screen No. in CBS for unified payment service___ Screen: 29061
1294 The first White Label ATM (WLA) of the country was launched at__ Chandrapada (Maharashtra)
1295 Signtrieve package is used for___ Signature Retrieval
1296 Head Quarter of SWIFT is situated at___ Brussels
1297 Partner of Aadhar Card is___ ITEZ
1298 National Financial Switch (NFS) is maintained by___ & located at___ NPCI, Mumbai
1299 In MAB (Merchant Acquiring Business) off-us transactions are? Other Bank’s ATM on our POS
1300 On-us transaction refers to_____ Txn where issuer and acquirer is same
1301 First Bank in India to introduce computerization (in year 1971) is__ State Bank of India
1302 B@ncsLink & B@ncs24 software is produced from___ FNS, Australia
1303 Finance1 (Finance-one) for CDC has been acquired from__ Comlink, USA
1304 Software used for ATM___ BASE24
1305 Expand DRP Disaster Recovery Plan
1306 Expand BCP Business Continuity Plan
1307 For Tickle feed mechanism, file upload type “SMC” refers to Single Debit-Multiple Credits
1308 What is m-commerce Mobile Commerce
1309 Expand CSP Customer Service Point

1310 Depreciation on Computer System applies as Straight Line Method @ __% 33.33%
1311 DTH recharge /mobile recharge is done in INB through SBI-Oxipay
The ‘mall on Mobile’ facility which permits the booking of Railway tickets and
1312 NGPAY
purchases on mobile is called__
1313 MAB stands for___ Merchant Acquiring Business
1314 MDR refers to Merchant Discount Rate
1315 How many types of POS (Point of Sale) terminals are available___ 4 (Four) Types
1316 The National Financial Switch (NFS) promoted by IDBRT relates to ATM connectivity among banks
1317 State Bank NFC (Near Field Communication ) Card name is sbiINTOUCH Tap & Go Debit Card
1318 How many contact less transactions are permitted in NFC card 5 (Five)
1319 In Contact less Card what is the limit of transaction without using PIN Rs. 2000/-
1320 What is the Maximum Limit of NRI Family card At POS Rs. 50000/-
1321 NRI family card is valid for__ 10 Years
1322 What is the minimum Top-up Amount for NRI Family Card Rs. 100/-
1323 Application used for stock trading ___ SBI SMART
1324 SRGD refers to__ System Requirement Gathering Document

Additional Air Accidental Insurance (Death) cover in case of Gold Variants
1325 Rs. 5 Lacs
CSP is___
Additional Air Accidental Insurance (Death) cover in case of Diamond Variants
1326 Rs. 15 Lacs
CSP is___
Additional Air Accidental Insurance (Death) cover only in case of of Start up
1327 Rs. 25 Lacs
Platinum Variants CSP is___
NRE account can be opened as S.B, CA, RD, TDR & STDR with mode of
1328 Former or Survivor
operation as ___
1329 NRE (RD, TDR & STDR) account can be opened for ___ Years 1 to 10 years
RD- 1 to 10 Years
NRO account can also be opened as S.B. CA, RD, TDR & STDR for foreign
1330 TDR- 7 days to 10 years
students and tenure of RD, TDR & STDR accounts respectively are___
STDR- 6 Months to 10 Years
1331 FCNR (B) account type (Only TDR and STDR) and tenure___ 1 to 5 Years
Foreign Currency Non-
1332 FCNR (B) refers to
Resident (Bank)
1333 RFC (Resident Foreign Currency) account (Only TDR and STDR) and tenure__ 1 to 3 Years
1334 NRI (including PIO/OCI) residing in ____ are not permitted to open NRO a/c. Nepal & Bhutan
1335 LARF refers to Legal Audit Reporting Format
1336 CARF refers to Credit Audit Report Format

Platinum Variant not available in ___(Since officers qualifying for Platinum
1337 Variant are on deputation from Army & they are already covered DSP-AR
under DSP-Army)
1338 Personal Accident Insurance cover of Rs._ lacs (In Gold, Diamond & Platinum) Rs. 5 Lacs
For Salary Package facility the organization should have at least 25 employee
1339 Rs. 5000/-
with Gross Monthly Salary of Rs.___
1340 Expand UDAY Ujwal Discom Assurance Yojana
1341 Expand MPIN Mobile Banking Personal Identification Number
1342 Expand PRAN Permanent Retirement Account No.
1343 Expand CDS Credit Default Swap
1344 Expand SWOT Strength Weakness Opportunity Threat
1345 Expand P2P Peer to Peer

P-Segment (Liability Products)
Savings Bank Savings Bank Plus

For joint account Mode Operation can be as
(a) Either or Survivor (b) Former or Survivor (c) Latter or Survivor
(d) Both or Survivor (e) Both jointly
For Metro: Monthly Average Balance of Rs. 5000/-

For Urban: Monthly Average Balance of Rs.3000/-
For Semi-Urban: Monthly Average Balance of Rs. 2000/-
For Rural: Monthly Average Balance of Rs.1000/-
No. of cash deposit transactions in a month - 3 transactions free

Beyond 3 Transactions in a month (Excluding Alternate channel transactions) -
Rs. 50/-+ ST per Transaction. No restriction of cash deposit at Non-Home
Branches for Savings Bank Account
Account Closure Charge for: Upto 14 days of opening Nil ; After 14 days
PBBU (Individuals) Rs. 500/- + ST SMEBU (Company/Non-Individual) - Rs. 1000/- + ST
 Minimum Deposit = Rs. 10/- Auto Sweep Availabale

 Minimum Withdrawal = Rs. 50/- Minimum Threshold Rs. 35000/-
 Maximum no. of Withdrawal = 30 (in six months excluding Minimum Resultant Balance- Rs.25000/-
alternate channel transaction Minimum TDR / STDR = Rs. 10000/- (in multiple of Rs.
 Interest is payable quarterly on 25th of June, Sep, Dec & 1000/-)
March. (Calculated on daily basis) TDR/STDR (as opted) can be broken as LIFO
 Interest will be paid only if works out to Re1/-or more. TDR/STDR term length = 1 to 5 Year (By default- 1Y)
Thereafter, fifty paise and more will be rounded off to the next
Nomination (in favour of one Individual Only)
higher rupee and anything less will be ignored.
 Account becomes Inoperative if no transaction takes place in 2
years except interest credited / charges debited by bank.
 Minors can open Savings Bank accounts either singly or jointly
with his/ her guardian or by guardian alone on behalf of his/ her
minor ward.
 Mothers can also be a Guardian of the minor for opening of
Bank accounts. Mothers, however, will be guardian for the
limited purpose of operation of the account with their minor
children.
 Banks cannot open joint accounts with either or
survivor/former or survivor mandate where one account holder
is a minor and the other one is major
 Two Minor can open open SB account only as “JOINTLY”
operated.
 If minor is less than 10 years of age, ID proof and address of
the person who will operate the account shall be obtained with
the Account Opening Form.
 In cases where minor can operate the account independently
i.e. he is of 10 years and above and can sign uniformly. KYC
documents of applicant (Minor) would be required only.
 Maximum Deposits that can be accepted in the SB accounts of
minors in single name is Rs.2.00 Lacs. and with guardian is Rs
20.00 Lacs
 Two notices be sent to the KYC non-compliant account holders
afresh with a response time of 3 months each (for partial freeze
after 3 months' notice)
 WELCOME-KITS- ATM, Cheque Book, INB Kit, Welcome
Letter, Z Card & BCSBI Banking Codes.
 Government Departments or Bodies who for performance of
their functions depend on Budgetary Allocations, cannot open
Savings Bank Accounts.
Nomination (in favour of one Individual Only)
YUVA SB ACCOUNT SURABHI ACCOUNT

Nomination (in favour of one Individual Only) Nomination (in favour of one Individual Only)
 Entry Age- 18-30 Years (Account to continue as it is, even if Savings & Current Account linked to
the account holder attains the age of 30 years.) Corporate Liquid Term Deposit (CLTD)
 Free collection of one cheque, with a ceiling of Rs. 20,000/- per  Period for CLTD - Minimum – 12 months
month. Maximum – 36 months
One draft / Bankers Cheque will be issued free, per calendar  Threshold Limit- Rs. 1 Lac
month, favouring Educational Institutions or for applying jobs. Minimum STDR / TDR = Rs. 1.00 Lacs (in multiple of Rs.
Multi-city cheques will be provided, out of which 25 cheque 10000/-)
leaves will be free in a year. Partial Withdrawal based on LIFO in multiples of Rs.10,000

BSBD Account Small Account
 Person, Who don't have Officially Valid Documents (OVDs)
Full KYC Copliance  Liberalized KYC
Can be opened either Single or Jointly  Only Single (Mode of Operation)
 No Minimum Balance Stipulation
No Minimum Balance Stipulation  Account closure Charges- Nil
Account closure Charges- Nil  Aggregate of all credits in a financial year does not exceed
No limit on number of deposits that can be made in a rupees one lakh;
month  Aggregate of all withdrawals and transfers in a month does not
Maximum Four withdrawals in a month including ATM exceed rupees ten thousand
withdrawals free of charges.  Balance in the account at any point of time does not exceed
Beyond 4 withdrawals: No withdrawal allowed rupees fifty thousand, and
Minimum services like: ATM-cum-Debit card will be  Foreign remittances are not allowed to be credited unless the
issued free of cost and no annual maintenance charge will identity of the client is fully established through the production
apply of official valid documents.
If the customer already has a Savings Bank Account, the These Small Accounts would be valid normally for a period of
twelve months. Thereafter, such accounts would be allowed to
same will have to be closed within 30 days of opening a continue for a further period of twelve more months, if the
Basic Savings Bank Deposit Account account holder provides a document showing that she/he has
applied for any of the officially valid document, within twelve
months of opening the Small Account.”
Pehla Kadam Pehli Udaan

Minor of any age. Jointly with the Parent/ Guardian or  Minors above the age of 10 years and who can sign uniformly.
Singly by Parent/ Guardian Singly operated
 Cap on Balance • Rs. 5 lac in the Account & Rs. 10 lac aggregate deposit on the CIF of the Minor.
 With Enquiry rights and limited transactions like - Bill payment, Inter-Branch Transfer (NEFT Only) e-TDR/e-STDR/e-RD & Issue
of Draft. Per day transaction limit of Rs. 5,000/-
 Photo-embossed ATM Card (With POS limit Of Rs. 5000/-); 10 Cheque Leave free in a year
 Mobile Banking: With viewing rights and limited transaction right like: Bill payment, Top ups. Per day transaction limit of Rs.
2,000/-
 Auto sweep facility with a minimum threshold of Rs. 20,000. Sweep in multiple of Rs 1,000 with a minimum of Rs. 10,000/-
 Personal Accident Insurance Cover (offered by SBI General) for the Parent (in case of Pehla Kadam account only)
Features Current Acount Power POS (OD) Current Account (Sahaj)

Monthly Average Balance Rs. 10000/- Rs. 5000/- Rs. 1000/-
Penalty for non-maintenance
Rs 500 +ST Rs 500 +ST Rs 300 +ST
MAB
A/c Keeping Charges Rs. 550 + ST (P.A.) Rs. 550 + ST (P.A.) Rs. 550 + ST (P.A.)
Banks should, at the time of opening Current Accounts, insist on a declaration to the effect that the account holder is not
enjoying any credit facility with other Bank(s). Banks should scrupulously ensure that their branches do not open Current
Accounts of entities which enjoy credit facilities (fund based or non-fund based from the banking system without
specifically obtaining a No-Objection Certificate from the lending bank(s).
 Penalty for closing the a/c Upto 14 days of opening- Charges = Nil & After 14 days - Rs.1,000/-+ ST
Cash withdrawal at counter in
Cash Withdrawal (Home Br.) Unlimited Unlimited
Home Branch Not Allowed
P’ Segment – Rs 50,000/- for self. ‘SME’ Segment – Rs 1,00,000/- for self. Drawings per cheque to be
Cash Withdrawal (Non-home) No cash payment to third parties. No cash payment of CAG/MCG/CMPcheques. limited to Rs. 15,000/-
OD Facility :
Available up to Rs 5 lakhs.
 Max Deposit Rs 10000/- per
Loan :25% of last 6 months Txn
Min: Rs 25000/- Max: Rs 5 Lacs day
 To be eligible for OD, the  Cheque Book Available
********************** ****************** Merchant must have generated  Immediate credit of Outstation
a transaction volume of at Cheques upto Rs 15000/-
least Rs 1.25 lac on the  ATM Available (Cash
terminal(s) installed in the last Withdrawal limit Rs. 15000/-)
6 months to be eligible

Features Power BASE Power GAIN Power PACK
Monthly Average Balance Rs. 20000/- Rs. 200000/- Rs. 500000/-
Rs 500 +ST Rs 1500 +ST Rs 2500 +ST
MAB
A/c Keeping Charges Rs. 550 + ST (P.A.) Rs. 550 + ST (P.A.) Rs. 550 + ST (P.A.)
Banks should, at the time of opening Current Accounts, insist on a declaration to the effect that the account holder is
not enjoying any credit facility with other Bank(s). Banks should scrupulously ensure that their branches do not open
Current Accounts of entities which enjoy credit facilities (fund based or non-fund based from the banking system
without specifically obtaining a No-Objection Certificate from the lending bank(s).
 Penalty for closing the a/c Upto 14 days of opening- Charges = Nil & After 14 days - Rs.1,000/-+ ST
Cash Deposit in Non-Home Maximum Limit for deposit of cash at Non Home branch is Rs.2 lakhs per day.
Free up to Rs.60 lacs or 12 times
Upto Rs.25000/- per day : Upto Rs.15.00 Lacs per day :
Cash Deposit in Home Br. of last QAB whichever is higher,
Free Free
p.m.
P’ Segment – Rs 50,000/- for self. ‘SME’ Segment – Rs 1,00,000/- for self.
Cash Withdrawal in Non-Home
No cash payment to third parties. No cash payment of CAG/MCG/CMPcheques.
RTGS /NEFT Charges Normal Free Free
Business Debit Card Pride Pride Premium
Cheque Book 50 leafs Free 200 leafs Free 1000 leafs Free
Features Power Jyoti Power Jyoti (PUL)

Monthly Average Balance Rs. 50000/- Rs. 50000/-
Rs. 1000 + ST Rs. 1000 + ST
MAB
Fee Collection Facility For Institutions Through Our Core Banking Branches
 Penalty for
closing the a/c Upto 14 days of opening- Charges = Nil & After 14 days - Rs.1,000/-+ ST
 Cheque book facility not available. The Institution can transfer the required balance through authorization /
sweep.
 Charges Per Transaction is Rs. 60 + Service Tax, which may be reduced by circle CGM to Rs.20 +ST.
Account Keeping Charge Rs. 550 + ST (P.A.) Rs. 550 + ST (P.A.)
INB Facility Not Available Available
Features STDR TDR RD

Rs. 50/- (For Rural)
Minimum Deposit Amount Rs. 1000/- Rs. 1000/-
Rs. 100/- (For Others)
Term Length 6 Months to 10 years 7 Days to 10 years 1 Year to 10 Years
ROI As applicable to time deposit. Announced by the bank from time to time
Loan against deposit To the extent of 90% of the deposit + accrued interest thereon
For retail Term Deposits up to Rs 5.00 lacs, the Premature withdrawal allowed
and for this, rules for TDR/STDR
prepayment penalty will be ‘NIL' provided the is applicable
deposits have remained with the bank for at least 7
days. Penalty charges for non-Deposit
Premature Closure Penalty of monthly installments:
For Term Deposits above Rs 5.00 lacs but less For less than 5 years
Rs. 1.50 per Rs. 100/- per month
than Rs 1 crore, the prepayment penalty will 1% For above 5 years-
for all tenors Rs. 2.00 per Rs. 100/- per month
TDS TDS Applicable TDS Applicable

Features SBI Flexi Deposit Annuity Deposit
Minimum Deposit Rs. 5000/- (in multiple of Rs. 500) Rs. 25000/- (minimum annuity Rs. 1000/-)
Maximum Deposit Rs. 50000/- Per Years No Limit
Minimum- 5 Years
Tenure 3 Years / 5 Years / 7 Years / 10 Years
Maximum- 7 years
TDS Applicable Applicable
Premature Closure Penalty of 1% in ROI Permitted only in case of Death
Penalty for default in payment of Minimum

Penalty for Default Not Applicable
Deposit per Financial Year Rs 50/-
Interest Compounding Quarterly ****************
Features SBI Tax Saving Scheme

Minimum- Rs. 1000/-
Deposit
Maximum- Rs. 150000/-
Minimum- 5 Years
Tenure
Maximum- 10 years
Nomination Available but no nomination shall be made in respect of a term deposit
applied for and held by or on behalf of a minor
Others No Loan Facility and deposit cannot be held as security against any loan as well.
In case of Joint A/c, only First Account holder will get tax benefit.
Features Non-Callable Term Deposit Scheme

Minimum- Rs. 1.00 Crore
Deposit
Maximum- No Limit
Minimum- 181 Days (For Domestic Deposit) & 1 Year (For NRE Deposit)
Tenure of Deposit
Maximum- 3 years
 Only Demand Loan is allowed against the deposits aligning repayment with the
residual period of deposit.
Loan  Non-Callable Deposits should not be used as security/ margin money for (LC/BG) and
any other credit facility or purpose.
 Overdraft strictly not allowed
 No premature withdrawal allowed even in death of depositor. the legal heir may be
Premature Closure
allowed to avail Demand Loan subject to completion of legal formalities
Features RECURRING DEPOSIT – TINY RD

Initial Deposit Minimum Rs.10/- in cash ( No fixed installment.)
Deposit
Multiple deposits can be made in the account during a month
Tenure of RD 6 Months / 1 Year / 2 Years / 3 Years / 4 Years / 5 Years (Mode of Operation: SINGLE)
Number of account per Multiple accounts can be opened with maximum aggregate balance up to Rs.50,000/-
customer including SBI Tiny SB Account
KYC Norms Liberalized KYC as applicable in Small Account
No debits allowed other than premature payment/ payment on maturity.

Others
Mini statement with the last ten transactions will be issued on request

Capital Gain Account Scheme (CGAS)
 The CGAS account can be opened only with an authorized/approved bank branch.
Rural branches of banks are not included.
 Minimum Deposit Rs. 1000/- No Maximum

#
 Period of deposit is 2 or 3 years from date of transfer of original asset as the case may be.
#
 Period of Deposit:- Max- 24 Months Purchase of One Residential House situated in India from the date of transfer
#
 Period of Deposit:- Max- 36 Months Construction of One Residential House situated in India from date of transfer
 Funds withdrawn from CGAS account needs to be utilized within 2 months.

 No loan facility against this deposit is available. This term deposit can neither be accepted as margin money for non-
fund based nor as collateral to any type of fund-based facilities.
 Interest earned on CGAS deposit, will be taxable.
 Type of Account- S.B. Account (Deposit Account-A) and Term Deposits (TDR / STDR) (Deposit Account-B)
 ROI:- As applicable to normal Savings Bank account and/or Term Deposits for respective maturities of Retail & Bulk
deposits.
 No additional interest rate benefit for Senior Citizens or Staff.
 Closure of TDR/STDR (Account – B) allowed before maturity. (Proceeds to be credited to CapGains SB account-
Account- A only).
 At the time of closure of all accounts, the depositor will have to produce specific authority letter/ certificate from the
Income Tax Officer of the respective jurisdiction. The closure would be allowed on the terms mentioned in the letter of
authority.
 Nomination facility is available for the deposits (Up to 3 Nominees can be nominated)
 Auto renewal is NOT available for Term Deposits or Special Term Deposits opened under SBI CapGains Plus unlike
the Regular Term Deposit or Special Term Deposit product.
 Upon maturity of a Term Deposit or Special Term Deposit opened under SBI CapGains Plus, the proceeds will be
credited into the Savings Bank Account opened under SBI CapGains Plus.
 NO ATM debit card or Cheque book can be issued for CapGains SB account (A/C-A).
 Cash withdrawals from Account-A only upto Rs.25,000. Above Rs.25,000 can be paid only by way of issuance of a
crossed DD / banker’s cheque drawn in favour of the person to whom the depositor intends to make the payment
 Accounts under CapGains are barred from online opening of account / assigning Internet banking transaction rights.
(Can be mapped only for enquiry rights) Payment of interest on Capgains TDR Periodical interest (quarterly, half
yearly etc.,) can be credited to regular SB account of depositor. Calendar quarter option will NOT be available for this
product.
 Form-A: Application Form
 Form-B: Conversion of TDR into S.B. Account
 Form-C: Withdrawal from CGAS
 Form-D: Subsequent Withdrawal are permitted only after the customer submits the details regarding the manner and
extent of utilisation of the amount withdrawn from account on the previous occasion
 Form-E: Nomination
 Form-F: Cancellation of Nomination
 Form-G: Complete closure of all Capgain plus accounts
 Form-H: To be used by the legal heirs / nominees of the deceased customer, duly approved by the Assessing Officer,
Income Tax Department of the Assessee’s (depositor’s) jurisdiction.

Features Public Provident Fund-1968 Sukanya Samriddhi Account
Eligibilty Any Resident Individual Only Girl Child
Entry of Age (Min & Max) No Age Limit Min- Since Birth; Max-10 years
Minimum Deposit Rs. 500/- (in multiple of Rs. 5/-) Rs. 1000/- (in multiple of Rs. 100/-)
Maximum Deposit Rs. 150000/- Rs. 150000/-

Min-1 subscription; Max-No Time limit
(The total amount deposited in an account
shall not exceed Rs. 1.50 Lacs in a
financial year .If any deposit in excess of
No. of Subscriptions Max.-12 & Min.-1
Rs. 1.50 Lacs is deposited in the account
due to any accounting error, it will not be
eligible for any interest and may be
withdrawn any time by the depositor.)
No. Mandatory Initial Deposit, Subject to
MANDATORY Initial Deposit Minimum subscription in year should be Rs. 1000/-
Rs. 500/-
Tenure / Maturity 15 Years 21 Years
Max. Period for Subscribe 15 years 14 Years
Each extension of 5 years with any no. of
Extension No Extension Allowed
extension
18 years
(Withdrawal is permissible only after the girl
Lock in Period 5 Years
child attains 18 years of age or has passed tenth
standard, whichever is earlier.)
Documents KYC of Account Holder Birth Certificate & KYC of Guardian
Penalty on Default Rs. 50/- for every default year Rs. 50/- for every default year
Natural/ Legal guardian may open two accounts
in the name of two girl children. Third account
No. of Accounts Only One per Individual in case of twin girl as second birth or if first
birth itself results in three girl children.
Interest will be calculated for the calendar Interest will be calculated for the calendar
month on the lowest balance in an account on month on the lowest balance in an account on
Interest Calculation
the deposits made between the close of the 5th the deposits made between the close of the 10th
day and the end of the month and shall be day and the end of the month and shall be
(Compounded Yearly) credited to the account at the end of each credited to the account at the end of each
financial year financial year
Nomination Yes, Available (Any no. of Nominee) Not, Available
50% of the balance in the account as at the end Withdrawal is permissible only after the girl
Withdrawal of the 4th financial year can be withdrawn in child attains 18 years of age or has passed tenth
the 6th year) standard, whichever is earlier
Loan Facility Available, from 3rd year till 6th year Not Available
 If the account holder becomes a non-citizen
or NRI after opening of account, the account
Pre-Mature Closure Only on Death of Subscriber shall deemed to be closed prematurely from
the date of change of status & no interest
shall be deemed to accrue to the account from
such date.
PREMATURE PAYMENT:  On the death of the account holder the
account shall be closed immediately on
Others Features Premature payment is allowed only after the production of death certificate issued by
account or the account of the minor account competent authority. In this case the interest
holder of whom he/she is the guardian has will be paid till the date of death of account
completed five financial years, where: holder. In this case, No penalty to be imposed
a) The amount is required for the treatment of for failure to deposit the minimum stipulated
serious ailments or life threatening diseases of amount of Rs.1000/- in a year.
Form-A Application Form the Account holder, spouse or dependent  Interest is permitted even after the completion
children or parents, on production of of 14 years of the account till the closure of
Form-C PPF Withdrawal supporting documents from competent account on maturity
Form-D Loan from PPF medical authority;  No interest shall be payable once the
Form-E Nomination b) That the amount is required for higher Account completes 21 years from the date
education of the account holder or the minor of its opening.
Cancellation/Variation of
Form-F Nominee
account holder, on production of documents  If Sukanya Samriddhi Account defaults, it
and fee bills in confirmation of admission in a can only be regularised within 15 years else
Form-G Claim by Nominee /Hier recognized institute of higher education in Post Office Savings Bank interest rate will be
Form-H PPF Extension India & abroad. applicable at the time of its maturity

Features Senior Citizen Saving Scheme – 2004
 An individual who has attained the age of 60 years and above on the date of opening of an account.
 Who has attained the age of 55 years or more but less than 60 years and who has retired on
superannuation or otherwise on the date of opening an account
 Who has retired at any time before the commencement of these rules and attained the age of 55 years or
Eligibility more on the date of opening of an account,
 The retired personnel of Defense Services (excluding civilian Defense employees) irrespective of the
above age limits subject to fulfillment of other specified conditions.
 Both NRIs and Hindu Undivided Family are not eligible to open an account under these rules.
 There shall be only one deposit in the account in multiple of one thousand rupees not exceeding Rupees
Deposit
15.00 Lacs
 Maximum – Rs. 15.00 Lacs ( in multiple of Rs.1000/-); Tenure – 5 Years (Can be extended only
Amount of Deposit
once for maximum for 3 years)
Withdrawal  Permitted after one year of opening the account but with penalty
 By cheque or demand draft drawn in favour of the depositor and endorsed in favour of the deposit office.
Mode of Deposit
 Cash allowed only if the amount of deposit is less than Rupees One lakh.
 The depositor may extend the account for a further period of three years after the maturity period of five
Renewal years. An application in Form B should be made within a period of one year after the date of maturity
period
 Payable at the end of each calendar quarter e.g. 31st March / 30th June / 30th September / 31st
Interest December. Compounding of interest not permissible
 The depositor may nominate a person or more than one person by an application on Form-C
Nomination accompanied by the passbook to the Branch.
 The deposit made at the time of opening of account shall be paid by the concerned deposit office after
the expiry of five years from the date of opening of the account on production of the passbook
accompanied by a written application (withdrawal form) Form E.
 In case a depositor does not close the account on maturity and also does not extend the account, the
Maturity
account will be treated as matured and the depositor will be entitled to close the account at any time
subject to the condition that the post maturity interest at the rate as applicable to the deposits under the
Post office Savings Accounts from time to time will be payable on such matured deposits up to the end
of the month preceding the month of the closure of the account.
 In case of death of the depositor before maturity the account shall be closed and deposit refunded on
application in Form-F along with interest to the nominee or legal heirs in case the nominee has also
expired or nomination was not made as per rules.
Death of Depositor
 If the total amount including interest payable is up to Rupees one lakh it may be paid to the legal heirs on
production of (i) letter of indemnity (ii) an affidavit (iii) a letter of disclaimer on affidavit (iv) certificate
of death of the depositor on stamped paper in the form as in Annexure to Form F.
On an application in Form E the depositor may be permitted to withdraw the deposit and close the
account at any time after the expiry of one year from the date of opening of the account subject to the
following conditions:
 In case the account is closed after the expiry of one year but before the expiry of two years from the date
Pre-mature closure of opening of the account, an amount equal to 1.5% of the deposit shall be deducted and the balance
paid to the depositor.
 In case the account is closed on or after the expiry of two years from the date of opening of the account,
an amount equal to 1% of the deposit shall be deducted and balance paid to the depositor
 TDS is applicable. However, no TDS is applicable if the depositor files Form 15H or Form 15G or a
certificate under S 197 (i) of IT Act.
TDS
 Nominee of investors of SCSS can also produce 15G form at the time of payment after the death of
depositor
 Both the spouses can open individual and / or joint accounts with each other with the maximum deposits
up to Rs.15 lakh each, provided both are individually eligible to invest.
 In case of Joint account, The whole amount of investment in an account under the scheme is attributed to
the first applicant / depositor only.
 In case of a joint account, if the first holder / depositor expires before the maturity of the account, the
spouse may continue the account on the same terms and conditions as specified under the SCSS Rules.
However, if the second holder i.e. spouse has his / her own individual account, the aggregate of his/her
individual account and the deposit amount in the joint account of the deceased spouse should not be
Others more than the prescribed maximum limit.
 A depositor may apply in Form G, enclosing the Pass Book thereto, for transfer of his account from one
deposit office to another. If the deposit amount is rupees one lakh or above, a transfer fee of Rs. 5/- per
lakh of deposit for the first transfer and rupees 10/- per lakh of deposit for the second and subsequent
transfers shall be payable
 A depositor may extend the account for a further period of three years by making an application
to the deposit office within a period of one year after maturity.
 Only 1 Private Bank (ICICI Bank) is allowed to open SCSS-2004 Account

SME Products
Margin / Term / Stock
Products Minimum Maximum Facility Collateral Others
LTV Repayment Statement
 LTV 50% of realizable
value
SBI ABL
 FB + NFB (Both
Drop line Facility)
10 Lacs 20 Crore 50% Nil 1-15 Years Quarterly
OD  Minimum 25% cash
(Inspection-
margin for NFB facility.
Half-yearly)
 Immovable property
(SARFAESI enabled)
*
Maximum Limit
Tier-I= 50 Cr
Tier-II & III = 20 Cr.
SBI ABL-CRE Tier-IV, V, VI= 5 Crore
50 Crore Drop line Half-
10 Lacs * 60% Nil 1-8 Years  LTV 60% of realizable
(Inspection- (Tier wise) OD Yearly
Half-yearly) value
 Fund Based (FB) Only
 Immovable property
(SARFAESI enabled)
 10 times of average
monthly balance in
current account in
previous 12 months
 Existing business for at
Simplified Small least 5 years in the same
Business Loan location
(SSBL) More than Less than 25 Drop line  Minimum average
10% 40% 1-5 Years Quarterly
10 Lacs Lacs OD monthly balance of
(Inspection- more than Rs. 1 lac in
Quarterly) last 12 months
 Unit is situated within a
radius of 5 km from the
financing branch
 Health Insurance 2 Lacs
Mandatory
 In addition, Standby
Simplified Cash Line of Credit (SLC) to
Credit Facility the extent of 15% of the
(SCCF) CC Limit will also be
C.C.
> 5 Crore 20 Crore 25% 30% 12 Monhs Monthly sanctioned
(FB)
 CRA: SB-9 and better
(Inspection-  ECR: BB & better
Quarterly)  Only Manufacturing
Unit
Primary : Hypothecation
of stock in trade,
receivables, machinery,
office equipment
Collateral :
SME Credit Upto CC- 3 SSI – No collateral is to
Card 25000-Nil
years Yearly be insisted upon
*** 10 Lacs Above CC / TL ***
25000- TL- 5 28 feb (To be covered under
(Inspection-
20% Years CGTMSE)
Quarterly)
SBF—For loans more
than Rs.25000/- charge
over movable / immovable
Property / third party
guarantee
 Min CRA SB9 & above
 Max 12 times in a year
To meet unforeseen
the scheme can be
expenditure/ bulk
availed with the gap of
orders / tax /repairs –
20% of FBWC 20% 15 days.
SME Credit Plus *** No cheque book to be 2 Months ***
Max-25 Lacs FBWC  Standard for 2 years.
issued -
 Customers of High
Clean Cash Credit -
standing and integrity.
EM to be extended.
 Existing security to be
extended
 Promoters age 18-65
SME Smart CC-
 Min-Score 60
Score Mfg- 50 Lacs CC-25% 2Years
5 Lacs CC / TL *** Monthly (50 in each parameters)
(Inspection- Trade-25 Lacs TL-33% TL-5
 Annual Review 2 years
Quarterly) Years
 TL (Moratorium-6 M)
Doctor Plus  Including Moratorium-1Y)
Covered
(Inspection- 5 to 7  Only for Allopathic
10 Lacs 5 Crore 15% TL under ***
Halfyearly) Years  Loan upto 2.00 Cr. No
CGTMSE
Tangible Security
Medical  Including Moratorium-6M)

Covered  Loan upto 2.00 Cr. No
Equipment
10 Lacs 20 Crore 15% TL under 3 to Years *** Tangible Security
Finance Scheme  Min- CRA Rating SB-9
CGTMSE
 (Inspection-Halfyearly)

 Inspection Quarterly
NBG-50 Cr. 30% &
Lease Rental 10 years or  Review- Annually
NBG-10 Lac MCG-500 Cr. for
Discounting TL 143% residual  DSCR Upto Rs.50 crores = 1.20
MCG-50 Cr. Maals-200 Malls-
(LRD)Scheme lease period  DSCR above Rs. 50 crore =
Cr. 50%
1.10
15%, SA
can
reduce
5%,
Max Loan-  EMI/NMI – 50%
SME CAR LOAN NAI- 4 Lacs AGM - TL Nil 7 Years
2.5 X NAI 5% (S.A. may relax to 60%)
Min reqd
margin-
5%
 CCC-1 can reduce the collateral
requirement to 15%
 CRA of SB 9 and above
 Retail CIR score of each of the
With Minimum 25% promoters is above 680
CONSTRUCTION Coll-10% TL / collateral.  Disbursements within 6 months.
Min- 25
EQUIPMENT Max- 10 Cr. Dropline (Incase, the loan 5 Years  No commitment charges
Lacs Without
LOAN OD is covered under  Min 3 Years experience
Coll-15% CGTMSE/CGSSI  Gross DSCR for last year is
above 1.25 %, in case of
existing units
 Processing fee in case of Micro
Ent. Is NIL
Margin: Repayment:
COMMODITY Security-
WCDL/ RDL (under tie-up) = 25% of Markt P. WCDL = 12 Months
BACKED
CC = Repayable on demand Primary-Stock
WAREHOUSE WCDL / RDL (CWC / SWC):=30% of M. price
RDL = when the produce is
RECEIPT For For CC (under tie-up)= 35% of market sold within the validity of WHR Collateral- Personal Guarantee
FINANCING
price or 12 month period, whichever
is earlier
 Min 3 Years experience
 Fleet operator having existing
fleet of minimum 10 vehicles
 Requirement of minimum 10
SBI FLEET
Repayment: new vehicles or minimum loan
FINANCE
Scores between 50% to less than amount Rs.50 Lacs
SCHEME
Min- 50 Lac Max- 10 Cr. *** Term Loan 60%: Max 60 months.  Collateral-Up to Rs. 1 Cr: No
Scores 60% and above: Max 66 collateral security. Loans will
(Inspection-
months Repayment in EMI basis be covered under CGTMSE.
Quarterly)
 Above Rs 1 Cr: Min 20%
tangible collateral including
unencumbered vehicles in the
existing fleet
Account of the dealer will be  Sanction Validity 12 Months
Max-Need Margin- Cash
m-DFS Min- 50 Lac inactivated after 120 days from  Collateral- 150%
Based 10% Credit
the date of debit, if unpaid.  Stock Statement- Quarterly
 Collateral Minimum 25% of
the loan amount
 Dealers who availed of a limit
of Rs.100 lakhs and above
25% of the existing e-DFS /
Drop-line OD for Dropline under e-DFS & m-DFS
m-DFS limit subject to a Repayment- 36 Months
e-DFS & m-DFS OD  No additional collateral is
maximum of Rs.5 Cr
necessary, provided the existing
collateral for the e-DFS is 25%
and m-DFS account is 150%
 Inspection- Quarterly
No Security- 100% stock
e-VFS 100% Finance ** ***
Margin Collateral- 25%
 Stand By Line of Credit (SLC)  Collateral Minimum 25% of
Margin- Cash facility the
Min- 1 Lac Max- 25 Lacs
SBI Nil Credit  SLC will be: 25% of the limit  Loan Limit is 2 to 3 times of
"e-SMART SME" under e-Smart SME loans. (average net sales of last three
e-COMMERCE (Total exposure of the borrower months
LOAN  Collateral: Loan up to Rs. 10 Lacs (Covered CGTMSE) including SLC should be below  DP to be updated quarterly as
 Stock Statement: Quarterly Rs. 25 Lacs) advised by Corporate Centre.
(Snapdeal, Flipkart  Inspection: Loan up to Rs. 10 Lacs- Yearly  SLC can be availed for a (2 to 3 times of average of last 6
& Shopclues) Loan above Rs. 10 Lacs – Quarterly maximum of 2 months at a months net sales
 Validity – 1 year time; Can be availed a Revision in DP= Quarterly
maximum of 4 times in a year
OLA- Minimum: Need based  Tie-up with- OLA, UBER &
Maximum: Rs. 50 lacs Repayment: ECORENTACAR
UBER- Minimum: OLA- 3 to 5 Years  Loans will be covered under
Needbased CGTMSE.
UBER- 5 Years  Collecting 12 post-dated
Taxi Maximum: Rs. 10 lacs
Term Loan (Repayment will start After 3 cheques upfront from drivers as
Aggregator ECORENTACAR: months of Moratorium) means of security
Minimum: Need based ECORENTACAR- 4 Years  CIBIL Score more than 600 is
*
Maximum: Rs. 50 lakh (Repayment will start After 3 required.
(On-road price of individual car months of Moratorium)  CIBIL Score of (-1) and CRIF
to be limited to Rs 20 Lakh) Scor (0) is also acceptable.

Both manufacturing and Repayment- Generally 5 yrs.
services enterprises: 20% of Margin-  CRA rating of SB8 & above, or
Open Term Loan Term Loan (Sanctioning Authority may ii) ECR of BB & above
total limit sanctioned with a 25%
maximum of Rs. 5 crores extend upto 7 years.)
Repayment- Generally 3 yrs.  Eligibility:
General Purpose Min- 25 lac & above; Margin- Existing SSI borrowers should
Term Loan (Sanctioning Authority may have a CRA rating of SB 7 and
Term Loan Max- 50 lacs 25%
extend upto 5 years.) above
Repayment:  Age- 18-60 years
 BC should be attached with
DL- 36 months (1 month Bank for at least 01 year
Loan to BCs Moratorium)  providing Banking Services
Min- 25000/-; Margin-
(Business DL/TL/OD under Financial Inclusion and
Max- 2.50 lacs Nil
Corresspondence) TL-60 Months (1 month should be residing in his / her
Moratorium) area of operations for more than
3 years
 Collateral- NIL
OD- 12 Months
Margin Upto Rs.25000/- NIL
Weaver Credit Max- 2.00 TL / Repayment : 3 years for
Over Rs.25000/- and upto Rs.2  Collateral- NIL
Card Lacs CC both TL / CC
lacs 20%
Margin : Upto Rs.25000/- NIL
ARTISAN Max- 2.00
Over Rs.25000/- and upto Rs.2 CC CC- Renewal in 3 years  Collateral- NIL
CREDIT CARD Lacs
lacs 20%
 Eligibility:
 All non-farm entrepreneurial
CC- Renewal in 3 years credit extended to “Individuals,
General Credit
Max- 5.00 Lacs Margin-20% TL/ CC which is eligible for
Card
TL repayment – 5 years classification Under Priority
Sector guidelines
 Collateral- NIL
TARUN : 5 lacs to Rs. 10 lacs,
SHISHU : Upto 50,000, Daily Cash/POS KISHORE : 50,000 to Rs. 5 lakhs,
Daily Cash/POS withdrawal
withdrawal limit : 10,000/15,000 Daily Cash/POS limit : 15,000/25,000 limit : 20,000/30,000
 Stock Statement : Yearly as on 31st December every year
MUDRA Loan
 Validity WC / TL to be reviewed annually
 Inspection Half Yearly
 Repayment WC / TL - In 3 - 5 years including a moratorium of upto 6 months
 Upfront fees / Processing Fees NIL for SHISHU i.e. upto Rs. 50,000/-
For KISHORE / TARUN - 0.50% of Loan Amount
 Margin for SHISHU-Nil & KISHORE / TARUN-10%
 Objective: To facilitate loans to at least 1 SC/ST and 1 Women borrower per branch.
 Loan amount Min-More than 10 Lacs, Max- 1 Crore
 Type of facilities Composite Loan (Working Capital facilities / Term Loan
 Repayment for Term Loans Maximum of 7 years (including moratorium period upto 18 months)
Stand-up India
 Margin Minimum mandatory margin is 10%. Max. Margin money on composite loan would be upto 25% which
will be reduced through convergence with Central / State schemes.
 Inspection CC Limits / Term Loans – Quarterly However, if the account becomes irregular, inspection to be
done on monthly basis.
Industry Type For Manufacturing Unit Investing in P&M For Trade / Service sector Investing in P&M
Micro Investment in P&M does not exceed Rs.25 lacs Investment in P&M does not exceed Rs. 10 lacs
Small More than Rs.25 lacs but does not exceed Rs. 5 crore. More than Rs.10 lacs but does not exceed Rs. 2 crore.
Medium More than Rs. 5 crore but does not exceed Rs. 10 crore. More than Rs. 2 crore but does not exceed Rs.5 crore.
 For purchasing goods through Flipkart;

 Minimum Loan = Rs. 5000/-
 Maximum Loan :
For Silver Category = 25000;
For Gold category = 50000;
For Diamond & Platinum = 75000

SME General Rules

1 Validity of ECR (External Credit Rating) 15 Months
2 ECR is applicable on exposure of ___ Rs.10 Cr. & Above
3 Under SME, Letter of Arrangement SME-1
4 Under SME, Agreement of Loan cum Hypothecation SME-2
5 Under SME, Guarantee Agreement SME-3
6 For Limit enhancement, SME Document SME 4
7 For Creation of Equitable Mortgage, SME Documents- SME 5 & 6
8 For Extension of Equitable Mortgage, SME Documents- SME 7 & 8
9 SME, Revival Letter SME-11
10 SME, Link Letter SME-12
11 Contribution refers to__ Sales – variable cost
12 Break even point refers to___ No profit No Loss
13 Net cash Accrual refers to___ Profit after tax + Depreciation
14 Tangible Net worth refers to___ Net worth – Intangible Assets

CRA Model is mandatory for all accounts with Aggregate Exposure of___for
15 both Non-Trading Sector (C&I, SME and AGL segments) and Trading Rs.50 Lacs and above
Sector (including Services), with scoring model.
Wherever scoring models are not in place, CRA has to be carried out for
16 Rs.25 lacs and above
exposures from______, as hitherto.
17 CRA is validated on the basis of ___ Audited Balance Sheet
25%
Minimum Eligible Working Capital limits Under Turnover Method,
18 (Assessment at 31.25% minus
Enhanced to__ for MSE.
6.25% as margin)
30%
Minimum Eligible Working Capital limits Under Turnover Method,
19 (Assessment at 37.50% minus
Enhanced to__ for MSE that transacts digitally.
7.50% as margin)
20 Credit Conversion Factor (CCF) for Financial Guarantee is ________ 100%
21 Crystallization means________ Conversion of Forex liability to INR liability
22 Method of working out working capital requirement of seasonal industries – Cash Budget Method
Nayak Committee (Turn-Over
23 Assessment of working capital for exposures up to Rs. 5 Crore, Method__
Method)
24 Assessment of working capital for exposures above Rs. 5 Crore, Method__ Projected Balance Sheet
25 Margin money kept for LC and Bank Guarantee is considered as___ Current Account
26 At the Bank level, Non fund based limit can be maximum ___% of FBL. 100%
SME, For loans with credit limit upto Rs.50,000/- , waiver of legal action
27 General Manager
may be permitted by a committee headed by an officer not below the rank of

P-Segment Home Loan General Rules
No. of Co-Borrowers:
Restricted to maximum 3 including spouse/children/parents/siblings. However, AGM (Region)/AGM (Branch) can
relax maximum number of coborrowers provided the repayment is made through an account with Bank in the joint
names of all the borrowers.
In cases where the co-applicants are unrelated to each other, the DGM (B&O) may permit the relaxation for acceptance
of non-related co-borrowers, provided the repayment is made through an account with Bank in the name of all
borrowers
EMI/NMI Ratio (for Normal HL and Hamara Ghar Also)
Net Annual Income EMI/NMIRatio

<= Rs. 1.20 lac 20%
>Rs. 1.20 lac &<= Rs. 3 lacs 30%
>Rs. 3 lacs &<= Rs. 5 lacs 55%
> Rs. 5 lacs &<= Rs. 8 lacs 60%
> Rs. 8 lacs &<= Rs. 10 lacs 65%
> Rs. 10 lacs 70%
The loan limit sanctioned for SBILife premium must not be taken into account for arriving at LTV ratio on HL.
Loan to Value (LTV) ratio
Upto Rs. 30 lacs 90%

Above Rs. 30 lacs and upto Rs. 75 lacs 80%
Above Rs. 75 lacs 75%
Inclusion of Stamp Duty, Registration Charges and other Documentation Charges in project cost of dwelling unit not
exceeding Rs. 10 lacs Stamp Duty, Registration Charges and other documentation charges has been permitted to be
added to the cost of the house/dwelling unit for the purpose of calculating LTV Ratio in cases where the total project
cost of the dwelling unit does not exceed Rs.10 lacs.
Maximum loan amount will be lowest of loan amount assessed on the basis of
a) Permissible EMI/NMI ratio
b) Maximum permissible LTV ratio
c) Loan amount applied for
Adding cost of furnishings/interior to the cost of house/flat: (For Normal HL)

10% of the cost of the house/flat or Rs. 25 lacs, whichever is lower
Adding cost of furnishings/interior to the cost of house/flat: (For HL to Non-Salaried Person)
10% of the cost of the house/flat or Rs. 50 lacs, whichever is lower
Maximum Loan for repairs / renovations

The maximum loan amount should not normally exceed Rs 10 lacs. Such loans exceeding the above ceiling amount
require prior administrative clearance from the GM of the network.
Reimbursement of investment in housing, made during the preceding 12 Months
Discretionary powers to Circle for interest concessions

Authority Home loan of Rs10 lac & above
DGM (B&O) Upto 5 bps, subject to floor rate of 50 bps above 1 year MCLR
GM (Network) Upto 10 bps, subject to floor rate of 50 bps above 1 year MCLR
CGM Circle Upto 15 bps, subject to floor rate of 50 bps above 1 year MCLR
The above mentioned discretionary powers will be available for MCLR linked Floating Interest Home Loan of Rs. 10
lacs and above. The discretionary power will not be available under Hamara Ghar Scheme (Fixed Interest).
No penal interest should be charged for Home Loans upto Rs.25,000/- (Above this 2%)
Appropriate Authorities for approving concession in Home Loan Processing fee in respect of bulk proposals from
employees of PSUs/Government Organizations /reputed Companies Approving Authorities Discretionary Powers
General Manager (Network) Concession upto 50%
Chief General Manager, Circle Concession upto 100%
Managing Director (NBG) Concession upto 100% for launch of different Campaigns

If a borrower remits any amount for credit of his/her Home Loan Account in a Branch other than the Home
Branch, either by way of cash, local cheque or Multi-City cheque, drawn on any Bank, the same may be
accepted without collecting Non-Home Branch charges
CERSAI registration charges

Loan Amount Registration Charges (per loan account)
Upto Rs. 5 lacs Rs. 50/- plus applicable Service Tax
Above Rs. 5lacs Rs. 100/- plus applicable Service Tax
Collateral security
Provision of accepting other immovable properties as security in lieu of mortgage of house/flat financed The realisable
market value of the residential property (should not be a vacant plot of land) should be at least 125% of the value of the
Home Loan sanctioned.
Pari-passu/ Second Charge

Discretionary power for administrative approval for acceptance of pari-passu charge /second charge over property shall
be as under:
(a) For loans upto Rs. 30 lacs in case of loans given by reputed employers. - -AGM (Region) /AGM (Branch)
(b) For loans above Rs. 30 lacs -GM (Network)
The sanction of a home loan will be valid for 3 months (including PAL) from the date of sanction.In case the
loan remains undisbursed during the validity period, the applicant will be required to seek revalidation of
sanction. 50% of the applicable processing fee will continue to be recovered for each revalidation of sanction.
Discretionary Powers for approval of deviations in respect of Credit Card for ‘Accounts in default’as per the
aforesaid criteria or ‘Write-off’:
(a) Overdue amount upto Rs.10,000/-

Sanctioning authority not below the rank of a Chief Manager
(b) Overdue amount above Rs.10,000/-

For loans sanctioned by RACPC and other CPCs – AGM of the CPC
For loans sanctioned at branches – AGM(RBO)
For loans sanctioned by Committees - Sanctioning Authority
Discretionary Powers to approve deviation for any default/write-off appearing in CIBIL in respect of non-Credit
Card dues:
Overdue Amount Empowered Authority
Upto Rs.10,000/- AGM (Branch)/(CPC)/(RBO) or concerned Credit Committee
Above Rs.10,000/- & upto Rs.50,000/- DGM (B&O) for sanctions upto the rank of AGM or the concerned
Credit Committee
No deviation will be permitted in cases where the default/write-off/settled amount exceeds Rs.50,000/-
Home Loan limit upto Rs. 10 lacs: Report from CIBIL.

Home Loan limit above Rs. 10 lacs: Report from two credit bureaus i.e. CIBIL & CRIF High Mark Credit
Information Services Pvt Ltd.
Turn Around Time (TAT):

RACPC/RASMECCC
Different scenario Sourcing entities Processing entities Total TAT for sanction
Under builder tie-up (same centre) 2 4 6
Under builder tie-up (other centre) 2 10 12
Out of Builder tie-up (same centre) 2 10 12
Out of Builder tie-up (other centre) 2 14 16
Documentation and disbursement 2 2 2
The ‘in-principle’ approval shall be valid for 30 days from the date of issue.
Option to avail loan other than the place of construction:

(i) either at the place of construction, or
(ii) place of employment/profession/business activity, or
(iii) at a place of residence, or
(iv) at a Branch located at other centre where he/she has ongoing relationship for last two years, by securing the loan
repayment through check-off facilityor by obtaining post-dated cheques/ECS/S.I. as per extant instructions. However,
this option should be extended only on a selective basis, in respect of loan proposal of businessmen/industrialists etc.,
keeping in view the apparent risks involved in this regard

Repayment period
Maximum 30 *years (or) up to the age of 70 years (the age by which the loan should be fully repaid) of the borrower,
whichever is early
For Home Loan Borrowers falling under Commercial Real Estate (CRE) and Individuals engaged in business maximum
loan tenor will be 25 years.
Moratorium period (Repayment holiday)
Current moratorium period of 18 months may be considered adequate up to 7 floors for each tower. Beyond that we
may consider additional 6 months for each 7 floors subject to a maximum period of 36 months. Moratorium may be
fixed for each tower separately, if the whole project comprises more than one tower as under:
No. of floors Maximum Permissible Moratorium
Upto 7 floors 18 months
>7 floors and <=14 floors 24 months
>14 floors and <=21 floors 30 months
More than 21 floors 36 months
For Mega/Integrated Township projects (approved by our Bank under the Builder Tie-up arrangement), General
Manager (Network) is permitted to approve a longer Moratorium Period of upto 48 months irrespective of the number
of floors in the residential project
No moratorium under SBI Realty.
Interest applied during the moratorium period should be recovered.
Baloon Payment is termed as Part Payment

Post Dated Cheques (PDCs)
Where check-off facility/ECS/RECS (Debit) are not available, post-dated cheques (complying with CTS-2010 standard
formats)is obtained, each cheque being equal to the amount of the EMI fixed (Minimum 48 PDCs)
Waiver of Pre-Sanction Process
In case of Defence/Para Military Personnel / employees of Corporates/Establishments/PSUs,, verification/pre-sanction
survey of work-place and residence will be waived in respect of existing customers maintaining salary accounts
minimum for last one year under Defence/Para Military Salary Package provided the salary has been credited to the
account regularly
Disbursement in Home Loans should be made through NEFT/RTGS directly in the account of Builder. However, in
case of resale property, the disbursement should be made through Account Payee IOI, duly incorporating the seller’s
account number and name of bankers.
Two Valuation Reports from different empanelled Valuers of the Bank should be obtained for all loans of Rs 1
crore and above Two Title Investigation Report (TIRs) from two different empanelled Advocates of the Bank
should be obtained
Certified Copy of Title Deeds: Norms regarding obtention of certified copies of Title Deeds directly from the
office of the Sub-registrar is waived for Home Loans upto Rs. 50.00 lacs
TIR in respect of POA Sales/Gift Deed will invariably be obtained from two empanelled advocates, irrespective
of loan amount
Scrutiny of Gift Deed and POA by Bank’s Law officer will be waived in respect of loans upto Rs. 1.00 crore.
Post disbursement inspection within 15 days in respect of all loans disbursements, thereafter every quarter for the first
year to ensure mortgage formalities have been completed, Bank’s charge on propertynoted and possession of of the
property is taken by the borrower. The 2nd and 4th inspection should be carried out by a different official. Thereafter,
inspection to be carried out once in every 3 year. If repayments are in arrears for two successive months, inspection
should be conducted immediately. In case of NPA, Inspection at Half-Yearly interval.
Classification under Priority Sector Advances w.e.f. 23.04.2015
Purchase/construction of a dwelling unit per family Rs. 28 lacs with project cost not exceeding Rs. 35 lacs
(Metro centres with population above 10 lacs)
Purchase/construction of a dwelling unit per family Rs. 20 lacs with project cost not exceeding Rs. 25 lacs
(Other centres)
Repairs to damaged dwelling units per family Rs. 5 Lacs
(Metropolitan areas)
Repairs to damaged dwelling units per family Rs. 2 Lacs
(Other areas)
 Purchase of house /flats which are more than 15 years old: Administrative Clearance should be obtained from
the next higher authority except expected longevity of the structure, as certified by an empanelled structural engineer /
architect (or unexpired lease period, in case of lease hold properties) is at least 5 years more than the loan tenor.

Ceiling for migration of NPA to SAMBs & SARBs
(a) Migration to SAMBs: NPAs with outstanding of Rs.10 Cr. and above shall be migrated to SAMBs.
(b) Migration to SARBs: NPAs with outstanding of Rs.10 lacs and less than Rs.10 Cr. shall be migrated to SARBs.
NPAs should be migrated to SAMG immediately, but in any case within a maximum period of 180 days from the date
of NPA with the approval of the Controllers of the Branches.
All existing AUCAs of Rs.10 lacs& above in NBG have to be migratedto SAMG
Branches as well as RACPCs should carry out post-disbursement inspection within 7 days of disbursement in all cases
Lenders’ liability: Bank should return the securities documents to the borrower within 15 days of closure of loan
account subject to Bank’s final claim settlement. In case of delay, Bank to pay @ Rs. 100/ per hay beyond 15 days
subject to maximum of Rs. 5000/.
Cut-off Ranges under both model:

Score Grade Action
>80 grade-1 clear sanction
71-80 grade-2 clear sanction
66-70 grade-3 clear sanction
56-65 grade-4 overrides required
40 & Below grade 7-10 Decline
Commercial Real Estate (CRE) :

If an individual owns two or more houses, singly or jointly then the exposure for the third house onwards/purchase of
plot will be treated as CRE Home Loans maximum number of Home Loans in the name of an individual, including the
existing loans and the proposed one will be restricted to 5 (five) Home Loans (excluding closed accounts) under Home
Loan Scheme in P-Segment.
Rapayment of Home Loan even after 70 Years of age:

Home Loan can be repaid after 70 years of age by borrower subject to the co-borrower must be below the age of 50
years and having steady and sufficient income and legal hier i.e. daughter / son / spouce.
P-Segment HOME LOAN Products

Term /
Products Age Minimum Maximum Facility Collateral Others
Repayment
Home Loan Variants

 INB & Chequebook available
 No ATM provided
Max-  HL for Rs. 20 Lac & above & SB/CA
Maxgain Min-18 Yrs Min-20 Lacs
No Limit
Overdraft Existing EM ***
with Min Rs. 5000/- are eligible
 Conversion from HL to Maxgain
conversion fee- (Rs. 2000+ST)
LTV= for Salaried
 Upto75 Lac-80%
Min-18 Yrs Min- 3 Lacs No Limit
Above 75 lacs-75%
Facility = TL & Maxgain
 Non-Salaried
2 Years work experience in
 Upto75 Lac- 75%
NRI Home Repayment-30 Years or 60 years of age of India or abroad.
Above 75 lacs-70%
borrower which is earlier. 2 years minimum job
Loan contracted and completed  No Paripassu Charge
TAT:  The maximum loan amount should be
NRI Home Loans, where proposed 6 months on that job.
 Security E.M. normally limited to Rs.10 lacs. Loans
property is under Builder Tie-up (12 day) exceeding this amount require prior
NRI Home Loans, where proposed property administrative clearance from the GM of
is not under Builder Tie-up (16 day) the network
Maximum period for construction
Max- Maximum of 10Years. of house: 5 years from the date of
Min-18 Yrs Min-5 Lacs TL only
15 Crore No moratorium first disbursement of the loan.
Purchase of a residential plot
located within the municipal/
LTV % corporation area of Urban/Metro
SBI Realty EMI/NMI %
Centres with population of 1 lac &
>3 Lacs <= 5 Lacs = 40% Loan up to Rs. 75 Lacs = 70%
Loan above Rs. 75 Lacs = 60% above. However, GM (Network)
>5 Lacs <= 8 Lacs = 50%
will be empowered to approve
>8 Lacs <= 10 Lacs = 55%
sanction of loans under SBI Realty
> 10 Lacs = 60%
Takeover Not Permitted Scheme in the towns with less than 1
lac population

Category-1 (Min- 2 Lacs; Max-50 Lacs)
Existing HL Limit Max Top-Up eligibility
Category-2 (Min-2 Lacs; Max-5 Crore)
Repayment- 15 years or Residual period of existing Housing Loan
Facility – Dropline OD / Term loan
Loan up to Rs. 75 Lacs 10% of existing HL
Extension of E.M. is not needed on Loan up to Rs. 5 Lacs
Loan above Rs. 75 Lacs 15% of existing HL
SBI Home NAI – Rs. 3 Lacs
Top-up Max 2 Top-up can be at a time (2nd loan one year after 1st one)
OD= Min 5 Lacs; Max- 2 crore EMI/NMI %

TL= Min 2 Lacs; Max- 5 crore LTV %
>3 Lacs <= 5 Lacs = 55%
Loan up to Rs. 75 Lacs = 80%
Loan up to Rs. 20 Lac = Only TL >5 Lacs <= 10 Lacs = 60%
Loan above Rs. 75 Lacs = 75%
Above 20 Lac up to 2 Cr. = TL / OD > 10 Lacs = 70%
Above 2 cr. = Only TL
No Mortgage of land Loan Amount = Salaried (36 X NMI)
Min Age- 21 years, Max- 60 years Business (2 X Average of 3 years NAI)
SBI Tribal Repayment- 15 Years (For salaried before retirement & for
Plus businessman before attaining 65 years of age) Eligibility: Salaried (5 Years completed service)
Margin- For construction /purchase- 15% Business (5 years experience + Having Average Balance
For Renovation /Repairs- 20% of Rs. 5000/- for Last 2 Years)
EARNEST Shorterm loan up to 100% of the application money with a maximum of Rs.10 lacs (For apply to development authority)
MONEY One person can be financed only for one application at any point of time.
2 PDCs (one for Principal & 2nd for 6 months’ interest)
DEPOSIT
Age- Minimum 21 Years
(EMD) Facility- Demand Loan (N0 Minimum income stipulated)
SCHEME Repayment- Not more than 12 Months from date of disbursement
Age of First Borrower = 60 years (Account can be Single or Jointly with Spouse having minimum age of 58 years)
Title verification and search report for a period of 30 years will be required
Residual Life of property = Should be at least 20 years in case of single borrower and
Reverse 25 years in case of spouse being below 60 years of age.
Mortgage Second Marriage NOT allowed
Tenure of Loan = Up to 68 Years of Age = 15 Years (Either Single or Jointly)
Loan Above 68 Years of Age = 10 Years
LOAN Amount : Min 3 Lacs; Max- 1 Crore (subject to 90% of the realizable value of property)
The loan shall become due and payable only when the last surviving borrower dies or opts to sell the home, or
permanently moves out of the home for to an institution or to relatives
PAL will be available only at the RACPCs (Finally Loan can be availed only where PAL has been sanctioned
from)
Minimum limit amount under this facility would be Rs. 10 Lacs
Pre- Sanction of pre-approved Home Loan limit will be advised to the borrowers through a “Pre-approved Loan
Approved Arrangement Letter (PLAL)
Limit (PAL) Validity = 3 Months
If the time gap between the date of this letter and the date on which the details of the property are submitted
by you in the specified format, is more than one month, the Bank will obtain a fresh Credit Information
Report.
To fund SBI Life Premium
SBI Equivalent to amount of SBI Life Premium
Suraksha Nil Margin & Processing
Disbursement- In 5 Annual Installments
Age for Entry- 18-62 Years (Maximum Age for cover 70 Years)
Rin Raksha Moratorium – 3 Months to 24 Months
Sum Assured – Minimum Rs. 10000/- (Max- No Limit)
For Full or Part Interest during Moratorium paid by the builder.
Pre-EMI Builders/groups with minimum experience of 5 years and should have successfully completed atleast 2 projects
Interest by
involving minimum aggregate number of 200 units during the last 5 years.
Builder
Minimum Project cost - Rs. 40 Lacs per unit / flat
In place of YUVA Home Loan
NMI = No Minimum NET ANNUAL INCOME (as per master circular updated upto 30.04.2017)
Age- 21-45 Years (All salaried with 2 years experience)
Minimum loan amount Rs. 20.00 lacs. (ONLY – Term Loan)
Loan amount 1.2 times (120%) of the loan amount calculated as per the normal method
SBI
FLEXIPAY Loan tenor : Minimum 25 years and maximum 30 years.
HOME Start-up/Moratorium Period :
LOAN For ready to move in properties: upto 36 Months.
For under construction properties: upto 36 months plus remaining construction period (i.e. from the date of
sanction to the expected date of completion), subject to a maximum moratorium period of 60 months.
Repayment Period : During Moratorium Only Interest
Next 36 Months 100% of EMI
Next 36 Months 105% of EMI

Government of India under the aegis of the Ministry of Housing and Urban Poverty Alleviation (MoHUPA) has
PMAY launched ‘Credit Linked subsidy Scheme (CLSS)’ for Urban Areas under the ambit of Pradhan Mantri Awas Yojana
(Pradhan Mantri Awas
Yojana) EWS
LIG (Lower Income Group) CLSS (MIG-I) CLSS (MIG-II)
(Economic Weaker Section)
Maximum Household
Upto Rs. 3.00 Lacs Upto Rs. 6.00 Lacs Above Rs. 6.00 Lacs & Above Rs. 12 lacs &
Income per annum Upto Rs. 12.00 Lacs Upto Rs. 18 lacs
Maximum carpet Area of
house
30 Sq. Mtr 60 Sq. Mtr 90 Sq. Mtr 110 Sq. Mtr
Max- LOAN Up to Rs. 6 Lacs Up to Rs. 6 Lacs Up to Rs. 9 Lacs Up to Rs. 12 Lacs
Maximum tenor of loan
on which subsidy will be 15 Years 20 Years 20 Years 20 Years
calculated
Maximum Subsidy Amount
Payable
Rs. 2.20 lacs Rs. 2.68 lacs Rs. 2.35 lacs Rs. 2.30 lacs
Subsidy Percentage (%) 6.5% 6.5% 4% 3%
Home Loans under these schemes will continue to be made available only by way of term loan (no maxgain facility) with a maximum tenor of
30 years, subject to liquidation of the loan outstanding before the borrower reaches the age of 70 years
NO Processing Fee.
Segment (SME / C&I)
(Corporate Entity Should be in the line of business for at least 3 years with net DSRA (Debt Service Reserve Account)
profit) Amt. equivalent to 3 EMIs will be
obtained in the form of STDR and to
SBI Loan : Minimum – Rs. 1 crore, Max- No cap
meet any short term mismatch in cash-
Corporate Repayment : 15 years TERM LOAN ONLY flow and a lien in favour of the Bank will
Home Loan LTV % = 75% be noted on STDR. Amount towards
Processing = Min 50000/ (Max- 10 Lacs + ST) DSRA will be recovered at the time of
Moratorium: Upto 3 months in case of purchase of ready-built house and first disbursement of the loan.
maximum 36 months in case of under-construction house.
A new Affordable housing loan product
Fixed Interest rate for 2 years
HAMARA Maximum loan Rs 30 lacs, LTV ratio upto 90%
GHAR Facility = Term Loan
The Government of India is also providing interest subvention upto Rs. 2.20 lacs under Pradhan Mantri Awas Yojana
(PMAY) for affordable housing to all eligible borrowers.
Facility = TERM LOAN Only
Loan Amount = Min- 10 lacs; Maximum = Rs. 7.50 Crore subject to
(a) At Non-BPR urban centres: 1 crore,
(b) At other BPR centres: Rs. 2 crores
(c) Within the Municipal Corporation areas of NCR, Mumbai, Pune, Chennai, Ahmedabad, Bangalore and Hyderabad
LOAN centres: Rs. 7.50 crores,
AGAINST (d) Place of Rural /Semi urban or Place with population less than 1 lacs = NO Loan Permitted
PROPERTY Loan Tenure = Min 5 Years; Max- 15 Years
(LAP) Minimum Net Monthly Income of Rs. 25,000/ (or Rs. 3 lacs per annum).
Minimum CIBIL Score of 700
EMI / NMI %
LTV %
>3 Lacs <= 5 Lacs = 50%
Loan up to Rs. 1 Crore = 65%
>5 Lacs <= 10 Lacs = 55%
Loan above Rs. 1 Crore = 60%
> 10 Lacs = 60%
Repayment upto the 75 years of age.
SBI Privilege Home Loan: Employees of Central / State Governments (including PSBs, PSUs of Central Government, and
other individual(s) with pensionable service
SBI SBI Shaurya Home Loan: Defense Personnel belonging toArmy, Navy and Air force
PRIVILEGE Age- 18-75 Years TERM LOAN only
HOME Loan : Minimum – Rs. 10 Lacs, Max- Rs. 50 crore
LOAN (EMI / NMI % ) Where age of the eldest salaried borrower is up to 45 years ( >Rs. 3 Lac &<= Rs. 5 Lacs - 55%)
& (EMI / NMI % ) Where age of the eldest salaried borrower is above 45 years ( >Rs. 3 Lac &<= Rs. 5 Lacs - 50%)
EMI / NMI %
SBI >5 Lacs <= 8 Lacs = 65%
SHAURYA >8 Lacs <= 10 Lacs = 70%
HOME > 10 Lacs = 75%
LOAN Minimum: 60 months; Maximum: 360 months or upto the age of 75 years
Moratorium : Age up to 55 Years – same as normal HL NO PROCESSING FEE
Age above 55 Years – Only 18 Months
Where age of the eldest salaried borrower is above 45 years (During Moratorium = Only interest to be served)
Loan : Minimum – Rs. 50000/-, Max- Rs. 50 crore
LTV same as Normal HL In case of Business Man :
Business should be 3 years old and having profit in last 2
Loan up to Rs. 20 Lac = Only TL years.
Home Loan Above 20 Lac up to 3 Cr. = TL / OD
to Above 3 cr. = Only TL Minimum Risk Grade is 3 (on a scale of 1 to 10) under
Non-Salaried Minimum Net Annual Income is Rs. 3 lacs, Bank’s Risk Scoring Model
Repayment same as normal HL
Cost of furnishings/interior to the cost of house/flat: 10% of the cost of house/flat or Rs. 50 lacs, whichever is lower

Minimum Rs. 20 lacs, Maximum: Rs. 2 crores
The Net Monthly Income of the applicants, as per their latest salary slip or ITR, should be atleast 150% of the expected
repayment towards interest on Bridge Home Loan.
LTV Ratio of the existing housing property will be calculated based on Valuation Report not more than 3 months old.
Two Title Search Reports and Valuation Reports should continue to be obtained from two different empanelled
Bridge Advocates/Valuers in cases where loans are above Rs. 1 crore.
Home Loan Loan Tenor : Maximum 2 years.
Processing Fee: 0.35% of the loan amount plus applicable service tax, minimum of Rs. 5,000/-.
Loan will be sanctioned at Non-BPA only by LPC (Branches at non-BPR centres will not sanction)
Post-Sanction Inspection should be carried out once immediately after 1st disbursement and thereafter before every
disbursement. After 100% disbursement once in a year.
Minimum CIBIL Score of 700
Eligibility:
(a) Minimum Home Loan Limit of Rs. 20 lacs with INB facility
(b) Minimum residual tenure of Home Loan of 5 years,
(c) Satisfactory track record of 3 years or more
(d) The customer should not have any live Home Top-up Loan
(e) No instance of the Home Loan account slipping to RG-3 or further in the past,
(f) CIBIL Score of 700 or higher
(g) Maintaining Saving Bank Account linked with CIF of Home Loan.
Pop-up conveying the Insta Home Top-up Loan offer will be shown to the selected customers when they access their account
through INB.
Insta Home Validity of Offer: 30 Days

Top-up Loan Loan Amount: 5% of the Home Loan Limit subject to ( Minimum Rs. 1.00 lacs, Maximum: Rs. 5.00 Lacs )
Facility - Overdraft (with reducing drawing power).
Processing fee : Flat Rs. 2000 + ST
Tenure : Residual Maturity of underlying Home Loan Tenure of Insta Home Topup Loan
Above 60 months but upto 120 months 60 Months
Above 120 months 120 Months
At any point of time, only one `Insta Home Top-Up Loan’ will be permitted. Second Insta Home Top-up Loan will be
permitted considered only after a gap of one year from the date of opening of the previous “Insta Top-Up Loan”, subject to
the condition that the 1st loan is closed.
 No Moratorium
Credit Risk Guarantee Fund Trust for Low Income Housing in Urban Areas (CRGFTLIH) has been set-up by the Government
of India and the National Housing Bank (NHB) has been nominated to manage the operations of the Trust. Under CRGFTLIH,
default guarantee cover will be available to the Bank for eligible Home Loans upto Rs. 5 lacs granted to the borrowers in the
EWS/LIG categories in Urban Areas.
Home Loans upto Rs. 5.00 lacs for construction or purchase of new or old dwelling units and extension of existing dwelling units
to the borrowers in the EWS (Annual income upto Rs. 1,00,000/-) or LIG (Annual income between Rs. 1,00,001/- to Rs.
2,00,000/-) categories in Urban Areas
P-Segment CAR LOAN General Rules

Net Annual Income: CIBIL Score:
Salaried & Pensioner : 2.50 Lacs
Business & Agriculture : 4.00 Lacs *For Salaried – 650
*For Businessman – 700
Facility : Term Loan / Overdraft *For Agriculture – 700 (Mandatorily from Equifax)
Car Loan as Overdraft Minimum Loan: Rs. 3.00 Lacs For Only Car Loan Applicants
Maximum no. of co-borrower can be only 2 persons Up to Rs. 10 Lacs = 50%

Finance: 85% of on-road price Above Rs. 10 Lacs = 60%
90% of on-road price (in case of salary package / tie-up) In Normal, under Car Loan Scheme
Maximum Loan:
(a) Salaried : 48 X NMI The maximum cost of accessories should not
(b) Business/Professional : 4 X NAI exceed 5% of cost of vehicle or Rs. 50,000/-,
(c) Agriculturist : 3 X NAI whichever is less.
Scoring Model: Only 86 & Above sanction For Car Loan Applicants who has already availed
(Score below 86 should be declined) Home Loan from our bank
For Assured Car Loan: Min Age- 18 years Up to Rs. 5 Lacs = 50%
Car Loan Entry Age 21-65 Years (But Loan can be repaid by the age Above Rs. 5 Lacs & Up to Rs. 10 Lacs = 60%
of 70 Years) Above Rs. 10 Lacs = 70%
Inspection in NPA Account – Half Yearly
TAT- 2 days Reimbursement of Vehicle purchased
Penal Interest- For Loan up to 25,000/-- Nil out of own source can be financed but
Above Rs. 25000, 2% on the overdue amount (one month EMI)
subject to the vehicle should not be older
 Vahan.com (Charges for Non-registration – 5700/-) than 3 Months.
(Enquiry on vahan search – Rs. 61/)

P-Segment CAR LOAN Products.
High Value Cars = Rs. 20 Lacs to Rs. 1.00 Crore
Super Luxury Super Luxury Cars = Above Rs. 1.00 crore
Imported Car Minimum CIBIL score
For Salaried & Person of Pvt. Unlisted Co. = 650
For Other / Business / Self Professional = 700
Capacity = 500 Cubic Capacity (CC)
Super Bike Loan Facility = TL / OD EMI / NMI %
NAI = Rs. 6.00 Lacs
Min Loan = Rs. 3.00 Lacs NAI Up to Rs. 10 Lacs = 50%
(Age:- 21-65 Years) Repayment = 5 years NAI Above Rs. 10 Lacs = 60%
Margin= 15% of ex-showroom price (For CSP Margin 10%)
College Going Student Age- 18 - 25 Years (Parents age should not be more than 55 years)
Normal Youngsters Age - 18 to 28 Years,
Nano Youth Car Loan Repayment- 5 Years
NAI = Rs. 2.00 Lacs (NMI = Rs. 16667/-)
Loan = Minimum = Rs. 1.00 Lacs; Max- Rs. 2.75 Lacs
Only existing SME borrowers are eligible for this facility.
EMI / NMI = 50% (Sanctioning Authority may relax upto 60%)
Margin = 15% (Sanctioning Authority may relax maximum upto 10%, i.e. after relaxation Margin only 5%)
SME Retail Car Loan Finance = 85% of On-road price
Gross Taxable Income = Rs. 4.00 Lacs
Loan Amount = 2.5 Times NAI
Repayment = 7 Years
Loan Amount : 2.5 X NAI (i.e. 30 X NMI in case of salaried)
Used Car Loan Max Loan : Rs. 15.00 Lacs
Margin = 15% EMI / NMI = 50%
(Age:- 21-65 Years) Repayment = 7 Years from the date of original sale.
The maximum cost of accessories should not exceed 5% of the cost of vehicle or Rs. 25,000/-, whichever is less
Minimum NAI = Rs. 2.00 Lacs (Net monthly income of applicant(s) should be at least 2 times of EMI)
SBI Certified Age of the vehicle: Not more than eight years old
Pre-owned Tenure: 8 years minus the age of the vehicle, subject to a maximum tenure of 5 years
Financing of old vehicles on the basis of duplicate Registration Books will not be entertained
CAR LOAN Loan Amount : Min- 1.00 Lacs; Max- 5.00 Lacs (2.5 X NAI)
(Age:- 21-65 Years) EMI/NMI = 50%
Margin = 20% i.e. (LTV = 80%)
Purchase of a Car and a Two Wheeler taken together. No overdraft
For Both Vehicles LTV 85% of on-road price (90% in case of CSP)
Takeover of loans is not permitted under the SBI Combo Loan Scheme
Reimbursement of cost of vehicles is not permitted under SBI Combo Loan scheme
Min NAI
– For Salaried 2.50 lacs
Combo Loan – For Others 4.00 lacs EMI/NMI %
(Age:- 21-65 Years) Up to Rs. 5 Lacs = 50%
Loan Amount : Above Rs. 5 Lacs & Up to Rs. 10 Lacs = 60%
– For Salaried 48 X NMI Above Rs. 10 Lacs = 70%
– For Others 4 X NAI
– For Agriculturist 3 X NAI
Both loan should be disbursed within 1 month
Min Age- 18 Years Max- No Age limit
Loan Min- Rs. 2.00 Lacs; Max Loan- No Limit
Assured Car Loan Repayment : 3 to 7 years (
PSS – Waived if earlier & present address is same.
(Age- Min 18 Years) Maximum Joint Account holder can be – 2
100% of TDR/STDR can be given as loan for vehicle of on-road price
CIBIL Score - 600
Max Loan = 18 X NMA or 1.5 X NAI
EMI/NMI %
NAI Up to Rs. 10 Lacs = 50%
NRI Car Loan NAI Above Rs. 10 Lacs = 60%
(Age:- 21-65 Years) NRI should be employed for 2 years and maintaining NRI account atleast for 1 year average balance Rs 50000
Minimum NMI = $1000
Margin = 15%
Housing loan borrowers of SBI, & Satisfactorily serviced the loan for at least 1 year after moratorium period
Minimum Income = Rs 2.00 Lacs
100% on-road finance subject to 75% of present market value of the house property less present outstanding
in the Home Loan account and Home Equity, if any
Loyalty Car Loan
No need to extension of Equitable Mortgage for Loan up to Rs. 10.00 Lacs, only a letter from borrower is
required that title teed will be in possession of the bank till the loan is fully liquidated.
All Car Loan variants can be given
Post – disbursement inspection of vehicles must be carried out by the operating unit for auto loans within 15 days from the date of
disbursement.

.P-Segment (Education Loan).
Jointly with Student & Parent / Guardian
Loan Rs. 10.00 Lacs for Study in India & Rs. 20.00 Lacs in Abroad
Moratorium = Course Period + 1 Year
Repayment = 15 Years from starting of repayment date. (i.e. after moratorium)
PAN card is mandatory
Margin : Up to Loan of Rs. 4.00 Lacs = Nil
Above Rs. 4.00 lacs = (a) Study In India – Margin 5%
(b) Study in Abroad – Margin 15%
Central Subsidy provided to the family having Annual Income up to Rs. 4.50 Lacs only.
SBI Student Loan Collateral Security: Up to Rs. 7.50 Lacs = Nil (Only Guarantee of co-borrower)
Above Rs. 7.50 lacs = Tangible Security + Guarantee of co-borrower
Subsidy amount will be the amount as interest applied in moratorium
i.e. course period + 12 months / 6 months from getting job
Additional 1% Interest subvention on the entire loan outstanding, if interest served promptly during
moratorium period.
TAT (Turned Around Time) = 15 Days
During moratorium period- Only Simple Interest & after moratorium period, compounded
Cost Reimbursement: Reimburse 1st semester cost within 6 month of admission.
Without receipt: Only Max 20% of tuition fee payable for the entire course period, will be payable.
Category No Collateral With Collateral
“AA” Up to 30.00 lacs Nil
“A” Up to 20.00 lacs Up to 30.00 lacs
“B” Up to 20.00 lacs Nil
SBI Scholar Loan “C” Up to 7.50 lacs Up to 30.00 lacs
Margin : Up to Loan of Rs. 4.00 Lacs = Nil

Above Rs. 4.00 Lacs upto Rs. 7.50 Lacs = 5%
No collateral security up to Rs. 7.50 lacs = Nil

Repayment = 15 Years from starting of repayment date. (i.e. after moratorium)
Moratorium = Course period + 1 year
Loan Amount : Min-Rs. 20.00 Lacs ; Max- 1.5 crore
Accrued Interest during the moratorium to be added to the principal and repayment in EMI fixed
Global Ed-Vantage Moratorium – 6 Months after completion of course
Loan Margin = 10% with each disbursement
Processing fee to be recovered before issuing sanction Letter (Rs. 10000/- per application)
Security: (a) For Liquid Security - 100% of Loan Amount
(b) For land & building - 110% of Loan Amount
Loan Amount : Min-Rs. 5000/- ; Max- 1.50 Lacs
No Collateral / third party guarantee required
Moratorium :
Course Period Moratorium Period
Course upto 1 year 6 Months from completion of course period
SBI Skill Loan Course above 1 year 1 year from completion of course period
Repayment :
Loan Amount Repayment Period
Loan Up to Rs. 50000/- 3 years
Loan above Rs. 50000/- Up to Rs. 100000/- 5 years
Loan above Rs. 100000/- 7 years
For Higher study after 12th standard (Only by Branches of BIHAR)
100% Guarantee of Bihar Govt. for loan up to Rs. 4.00 Lacs + interest
Not Covered under CGFSEL (Credit Guarantee Fund Scheme for Education Loan)
Bihar Student Credit Age of Student not exceeding 25 years
Card Scheme Max Loan= Rs. 4.00 Lacs
Processing & Margin = Nil, No Collateral
Repayment = Course period + 1 years
Tenure = 15 years

PERSONAL GOLD PERSONAL LIQUID GOLD LOAN
Features LOAN GOLD LOAN BULLET REPAYMENT
Bank's existing customers can avail the loan by pledge of gold ornaments including gold coins sold by
Purpose Banks. gold coins (weight of coins not to exceed 50 grams per customer)
Facility Demand Loan Overdraft Demand Loan
Eligibility Age: 21 years and above Profession: Anybody with Steady source of income including: Bank s Employees. Pensioners
Security Pledge of Gold ornaments made of not less than 18 carrot gold.
Min- Rs. 20000/- Min- Rs. 20000/- Min- Rs. 20000/-
Loan Amount
Max- Rs. 20.00 Lacs Max- Rs. 20.00 Lacs Max- Rs. 20.00 Lacs
36 Months (Interest to be serviced on 12 Months
Repayment 36 EMIs monthly basis. Principal to be paid at (Both Interest and Principal to be
the end of the term). paid at the end of the term).
Facility of PAN registration should be completed within 7 days.
P-Segment (Xpress credit)
Xpress Credit Xpress-Credit

Features Xpress Credit
Non Permanent Employees Teaching & Non-Teaching
NMI Rs. 5000/- Rs. 10000/- ***
12 times the average of last 6
months’ salary credit in the
Term Loan:
account but not more than last (a) For Teachers & Staff of
Minimum: Rs.25,000/-
Maximum: 24 times NMI month’s salary credit in the Government Schools who are
account subject to employees of the State Govt:
subject to maximum of Rs 15 lacs.
24 times NMI
Loan Amount Minimum : Rs.50,000/-
Overdraft: (b) For Teachers & Staff of
Minimum: Rs. 5 lacs Govt Aided /Semi-Govt Schools
Maximum: 24 times NMI Maximum :
(a) For NMI Income below Rs. :12 months Gross Salary
subject to maximum of Rs 15 lacs.
50,000/- : Rs.2.00 lacs [Max ceiling of Rs 15 lacs]
(b) For NMI Income of Rs. 50,000/-
and above : Rs.5.00 lacs.
EMI / NMI % 50% 40% 50%
Non-Permanent Employees :
36 months.
60 months or residual service 60 months or residual service
Repayment period whichever is less Contractual employees: 36 months period whichever is less
or the remaining period of expiry
of Contact, whichever is lower.
Facility DL / OD with Reducing DP Demand Loan Demand Loan
71 & Above – Clear Sanction 71 & Above – Clear Sanction 71 & Above – Clear Sanction
Scoring Model > 51 & upto 70 – Deviation > 51 & upto 70 – Deviation > 51 & upto 70 – Deviation
Below 70 – Decline Below 70 – Decline Below 70 – Decline
CIBIL- 700 or above
Salary a/c should be with our branch
Processing fee:- 1% of Loan +ST
for last 12 months
Rs. 250/- waived in processing fee, if
Should be working in same These Private Schools and
borrower provides, PAN, AADHAR
organization for last 3 years. Colleges should be at least 15
& Mobile simultaneously.
Contract employee should have years old and should be affiliated
Penal Interest: 2% additional on ROI to CBSE/ ICSE/UGC/AICTE
residual service of 1 year to avail the
No Security facility. These Private Schools and
Renewal of loans will be allowed Third Party Guarantee Required Colleges must have 5 years of
Other Conditions after 24 months. banking relationship with us.
Only Metro & Urban Branches are
Review of loan will be done yearly. allowed The number of employees
Provision for 2nd Loan: Second In case of co-operative society (teaching and non-teaching) of
Loan can be sanctioned after 1 year (a) Should be in existence from last such Institutes should not be less
of disbursement of the 1st loan 5 years than 50.
provided the 1st loan has been No Security
(b) No. of employees – At least 50
satisfactorily conducted and is (c) Salary a/c of 50% employees
regular atthe time of sanction of 2nd with our branch.
Loan

Xpress Credit – ELITE
Features Xpress Credit - IT Employees
(for Senior Officials)
Senior Officials working in Central/ State Govt
All Employers in IT/ ITeS industry who are establishments, Quasi Government Bodies, PSUs,
member of NASSCOM Defence, with Gross Monthly Salary above Rs.
Eligibility
Employees with a minimum of 6 months length of 1,00,000/-
service & should have salary accounts with SBI. There is no compulsory requirement of him/ her
maintaining salary account with the Bank
NMI / GMI NMI- Rs. 25000/- Gross Monthly Income- Rs. 100000/-
18 times NMI 24 times NMI

Loan Amount Minimum: Rs.50,000/- Minimum: Rs. 3.00 Lacs
Maximum of Rs 10 lacs. Maximum of Rs 20 Lacs.
EMI / NMI % 50% 60%
60 months or the residual service,

Repayment 36 Months
whichever is lower.
Overdraft (Reducing DP) Overdraft (Reducing DP)

Facility (NO CHEQUE BOOK) [With cheque book facility]
Review of loan to be done if 3 months’ Review of loan to be done if 2 months’

Review of Loan
installments are overdue installments are overdue
Security No Security No Security

& Margin Nil Margin Nil Margin
 Minimum CIBIL- 600
 Top up loan can be sanctioned after 1 year of

disbursement of the 1st Loan, provided the 1st Loan is
Other Conditions Pre-Payment charges 3% of pre-paid amount
being satisfactorily conducted and is regular at the
time of sanction of Top up Loan. There cannot be
more than 2 Xpress Elite Loans standing in the name
of a borrower (Subject to overall EMI/NMI 60%)
LOAN AGAINST MUTUAL FUNDS

 Loan Amount = Minimum Rs. 25000/-
Maximum (a) Equity / Hybrid / ETF – Rs. 20 Lacs
(b) Debt / FMP - Rs. 5 crore
 Margin = (a) Equity / Hybrid / ETF – 50%

(b) Debt / FMP - 15%
 Facility – Overdraft (With Cheque book, INB & ATM)

 Age for Entry- 18 years (Excluding NRI); Max Age- No Limit
 For Equity / Hybrid / ETF = Only D-MAT form
 Debt / FMP Both Physical as well as D-MAT form
 67 Branches in 40 cities are authorized
 Yearly review in individual Loan

LOAN TO COAL MINE PENSIONERS
 Loan Amount = Minimum = Rs. 25000/-
 Loan Amount = Maximum = 18 times NMP (Net Monthly Pension) , subject to Max- Rs. 3.00 Lacs
 EMI / NMI = 50% Top-up loan (2nd loan) can be sanctioned to Pensioner and Family pensioner
 Max Entry Age- 65 years after 1 year of disbursement of the 1st loan provided the 1st loan has been
 Margin – Nil satisfactorily conducted, subject to overall EMI/NMI % should not exceed 50%
 Facility – Demand Loan
 Repayment – 5 years (i.e. in 60 EMIs)
 PPO (Pension Payment order) should be cross checked with PPO of DHANBAD Branch
 Third Party Guarantee of a person good for the loan amount who has been maintaining a satisfactorily
conducted account with the Bank; preferably spouse/son/daughter of the pensioners.
SBI PENSION LOAN

SBI Pension Loan to Regular SBI Pension Loan to
Features Jai Jawan Pension Loan
Pensioner Family Pensioner
Loan
Rs. 25000/- Rs. 25000/- Rs. 25000/-
Minimum
Maximum of 36 months’ pension
with a ceiling of Rs. 14.00 lacs for
Maximum of 18 months’ pension Maximum of 18 months’ pension pensioners up to 56 Years.
with a ceiling of with a ceiling of
(a) Rs. 14.00 lacs for pensioners (a) Rs. 5.00 lacs for pensioners Maximum of 18 months’ pension
Loan up to 72 Years of age. up to 72 Years of age. with a ceiling of
Maximum (b) Rs. 12.00 lacs for pensioners (b) Rs. 4.50 lacs for pensioners (a) Rs.14.00 lacs for pensioners
from 72 upto 74 years from 72 upto 74 years up to 72 Years of age.
(c) Rs. 7.50 lacs for pensioners (c) Rs. 2.50 lacs for pensioners (b) Rs.12.00 lacs for pensioners
from 74 up to 76 years from 74 up to 76 years from 72 upto 74 years
(c) Rs.7.50 lacs for pensioners
from 74 up to 76 years
Facility Demand Loan Demand Loan Term Loan
EMI / NMI 50% 33% 50%

Up to 56 years Age = in 7 Years
(full repayment upto 63 years age)
Up to 72 years Age = in 5 Years Up to 72 years Age = in 5 Years
(full repayment upto 77 years age) (full repayment upto 77 years age)
>56 upto 72 years of age = 5 years
>72 upto 74 years of age = 4 years >72 upto 74 years of age = 4 years
Repayment (full repayment upto 78 years age) (full repayment upto 78 years age)
>72 upto 74 years of age = 4 years
> 74 up to 76 years of age = 2 years > 74 up to 76 years of age = 2 years
(full repayment upto 78 years age) (full repayment upto 78 years age)
> 74 up to 76 years of age = 2 years
No provision of 2nd loan. Fresh
Top-up loan (2nd loan) can be sanctioned to Pensioner and Family
Loans can be taken after
Others pensioner after 1 year of disbursement of the 1st loan provided the 1st
liquidating the first loan only after
loan has been satisfactorily conducted.
12 months

Agriculture Advance-General Rules
Agriculture Documents Revolutions
Blue Revolution – Fish
AB-1 – Agreement for Hypothecation
Green Revolution – Food
AB-2 – Guarantee Deed
Red Revolution – Meat
AB-3 – Mortgage Deed
Yellow Revolution – Oil Seeds
AB-4 – Revival Letter (Borrower)
Black Revolution – Rubber
AB-5 – Revival Letter (Guarantor)
Brown Revolution – Cocoa
AB-6 – Notice to Borrower
Rainbow Revolution – Flower
AB-7 – Conversion of Crop Loan to Term Loan
White Revolution – Milk
Cultures Ground Water Level
Aquaculture- Shrimp/Prawn farming White Block – Water uses less than 70% (of ground level)
Apriculture- Mushroom cultivation Grey Block – Water uses 70-90% (of available water)
Dark Black – More than 90% of water used.
Apiculture- Bee keeping
Floriculture- Flower production Spacing Norms
Horticulture- Vegetable, fruits, flowers 1 Dug-Well covers area = 90 Meters
Olericulture- Vegetable production 1 Bore well /Tube well covers area = 125 Meter
1 Pump set covers area = Nil
Moriculture- Mulberry cultivation
Pisciculture- Fish farming Then,
Sylviculture- Forest tree cultivation  Space Between Two Dug-well (90+90) = 180 meters
Vermiculture- Rearing of Earthworm  Between Two Dug-well & 1 Pumset (90+90) = 180 meters
 Between Two Bore-well & 1 Pumset (125+125) = 250 meters
Sericulture- Silk Production
 Between one Dug-well & one bore-well (90+125) = 215 meters
Tissue Culture- Plant propagation  Space between 2 Pump sets = (0+0) = 0 Meters
Farmer Type Wet Land Dry Land
Marginal Farmer 1.25 acre 2.50 acre
Small Farmer 2.50 acre 5.00 acre
Agricultural labourer- Land holding up to 0.5 acre of land or having a home-stead; should have income of more than 50% by
way of agricultural wages
 Collateral (Mortgage of land) NOT required for Loan upto = Rs. 1 Lac
 Accordingly Upto Rs. 1 Lacs = AB-3 (Deed of Mortgage) Not needed
 Rabi Season (October to March) = Repayment in 31st July; Kharif Season (April to September) = Repayment in 31st January
 Crop Loan Insurance (PMFBY) Branch gets commission @ 4% of the premium
 Crop Loan Insurance (PMFBY), Premium for Kharif- 2% Rabi-1.5% Horticulture- 5%
 Crop Loan Insurance (PMFBY), Cut-off date for premium = 31st July & 31st December
 Cut-off date for uploading soft-copy of the details of individual insured farmers within 15 days after cut-off date of
premium collection.
 RBI has dispensed with obtention of ‘No Due Certificate’ (NDC) from individual borrowers (including SHGs &
JLGs) in rural and semi-urban areas for all types of loans including loans under Government Sponsored Schemes
(GSS), irrespective of the amount involved, unless the GSS itself ask for obtention of NDC.
 In ATL above Rs.2.00 lacs, Atleast 20 PDCs / cheques covering the full / remaining repayment period, whichever is less.
 Collateral security waived up to = Rs. 1.00 Lacs
 In tie-up (Contract Farming), Collateral security waived up to = Rs. 3.00 Lacs
 A bank will be eligible for unrestricted refinance by NABARD only if the gross NPA to total loans and advances as at previous
March ended has not exceeded 15%.
th
 DCB (Demand Collection Balance) register is maintained = 30 June every year.
 Interest Subvention claims are to be submitted Twice in a year i.e. on 30th September & 31st March.
 Additional Interest Subvention (3%) claims are to be submitted yearly i.e. on 31st March. (Applicable for loan upto Rs. 3 Lacs)
 The concept of weaker sections was evolved by Ghosh Committee
 SELF HELP GROUPs: Recommended by Kalia Committee.
 SHG - A voluntary association of 10-20 persons with common interest, (In difficult area minimum no. of members 5)
 Finance up to a max of 4 times the savings of SHG, up to Rs. 50000/- per SHG member.
 Self Help Groups where all members are undertaking SME activities or majority, say, 90% members are taking up SME
activities are to be classified under SME segment.
 Service Area Approach had been recommended by the Ojha committee in 1989. (applicable in Govt Sponsored Scheme).
 The operational area of the branches for financing under schemes other than GSS, should be:
(a) ADBs/DBDs – Within a radius of 50 km.
(b) Other branches- within a radius of 20 km.
 The Branches have to submit LBR (Lead Bank Return)
(a) LBR 1- Annual statement showing annual target under the plan
(b) LBR 2- Month wise disbursement under the credit plan
(c) LBR 3- Half yearly recoveries and outstanding Loans & LBR U1/U2/U3 are submitted by branches located in urban areas

Agriculture Segment Products
Kisan Credit Card Loan Amount : No Minimum; No Maximum
(Revised) Age- 18-70 Years
Short Duration (say up to 12 Months); and Long Term (say 12-18 Months)
(Master Circular dated Scoring Model:- 71 & above (Clear Sanction); 26 to 70 (May be considered); But score less than 26-Decline
09.03.2017) Facility – ACC (Agriculture Cash Credit)
Margin – NIL PROCESSING FEE = upto 3.00 LACS - NIL
Marginal Farmer = Rs. 10000 to Rs. 50000 as flexi KCC based on land & crop pattern + small TL investment
Other than Marginal Farmers = loan based on Maximum Permissible Limit (MPL)
Validity = KCC Limit is valid for 5 years, subject to annual review. Branches shall, therefore, ensure to obtain
Collateral:- revival letters before expiry of 3 years.
Upto Rs. 1 Lacs – NIL  Rate of interest for KCC account is based on the Maximum Drawing Limit
> Rs.1 Lacs – Mortgage  Security document if loan limit above Rs.1.00 lakh
of land  KCC is in the nature of revolving cash credit. Credit Balance in the account is eligible for receipt of interest at
Savings Bank rate
Simple interest will be applied on due date or for one year whichever is earlier
In case of non –payment of loan within the prescribed repayment due date, interest will be applied at card
rate, beyond the repayment due date, compounded at half yearly rests
TAT = 3 days from completion of all documents
Service Area Concept will not be applicable
Margin is included in (SOF-Scale of finance)
Concession in rate of Interest @ 0.50% if Loan above Rs. 3.00 Lacs
Personal Contact to the farmer, if KCC remains overdue above 3 days.
Repayment due dates based on cropping pattern are as follows
Cropping patter Repayment due date

Kharif (April to September) Monocrop Date fixed by SLBC/DTC or 31st January
Rabi crop ( October to March ) Monocrop Date fixed by SLBC/DTC or 31st July
Date fixed by SLBC/DTC or

Short Term (Multi Crop)
12 Months from the date of first DISBURSEMENT
Date fixed by SLBC/DTC or
Long Term crops (one crop)
12 Months from the date of first DISBURSEMENT
Maximum Loan = Rs. 1.00 Lacs
Validity = 3 Years (annual review)
KRISHAK UTTHAN No Security ; No Margin
YOJANA Facility for tenant farmers, landless farmers, share croppers and oral lessee, who don’t have recorded land.
Disbursement : 20% instant on sanction & rest 80% after ensuring end use of funds.
Migratory tillers are not eligible under the scheme.
Group of 4-10 Members
More than one person from the same family should not be included in the same JLG
NABARD provides grant assistance to Bank for formation, nurturing and financing of new JLGs @ Rs.2, 000
per JLG
Joint Liability Group Maximum Loan amount of loan may be restricted to Rs.50,000 per individual
Margin = NIL
Score = 6/10
NABARD will provide 100% refinance assistance under investment credit.
Facility = DL / CC / OD
LTV % = 75% i.e. (Margin = 25%)
Repayment = CC/OD = 3 years; & DL – 2 or 3 months after harvesting but not later than 1 year
Processing Fee = Upto Rs. 25000 = Nil
Collateral value = 135% of Advance value (Value of Ornaments always be 135% of outstanding)
Agri Gold Loan GOLD Retention Limit is reviewed by competent authority every year in JANUARY
Gravity Test Formula :- 19.3= X / (X-Y) (Gravity of 24 Caret Gold is 19.3)
Assessment upto Rs. 50000/- generally done by Cash Officer; above Rs. 50000/- by reputed Gold appraiser. In
Hyderabad/ Chennai / Kerala circle it is beyond Rs. 1.00 Lacs
Quality / purity of Gold rests with : CASH OFFICER
Weight / No. of items of Gold Ornaments rests with : JOINT CUSTODIAN
To help farmers avoid distress sale of their produce & to enable prompt repayment of crop loan dues and
provide liquidity to farmers to meet contingency needs
LOAN = Max. 50 lacs (Repayable within 12 Months)
Margin = 40% in all case (except WHR issued by Collateral Managed warehouses)
No Cash Disbursement for loan beyond Rs. 20000/- (Only to Account)
Inspection: For Loan up to Rs. 25000/- (Once in Two Months i.e. Bi-monthly)
Produce Marketing Inspection: For Loan above Rs. 25000/- (Monthly, if stored in own house / warehouse )
Loan (PML) Scoring Model = 30/50 (In case score is 25/50, sanction may be granted by next higher authority)
The interest subvention @ 2% is available on PML for a period of 6 months for Loan upto Rs. 3.00 Lacs to
Small and marginal farmers having KCC.
Collateral:
(a) Farmers own warehouse: Waived upto Rs. 1.00 Lacs (Above 1.00 Lacs Mortgage of Land)
(b) Other than above: Waived upto Rs. 10.00 Lacs (Above 10.00 Lacs Mortgage of Land)
(c) WHR Issued by Collaterally managed Warehouses: Fully Waived

For Financing Commission Agents / Arthias against their receivables from farmers.
Facility : Cash Credit (Hypothecation of Book debts not older than 6 months)
Max Loan = Rs. 50 lacs; MARGIN = 40%
ARTHIAS PLUS
Collateral = Up to Rs. 25000/- (1.5 times of the advance as Equitable Mortgage)
Collateral = Above Rs. 25000/- (2 times of the advance as Equitable Mortgage)
Repayment = Max 6 Months
Quantum of Loan: 5 times the annual farm income / 50% of the value of land (to be) mortgaged as
collateral security, whichever is less, with a maximum of Rs. 10 lakh minus term loan outstanding
if any at the time of application.
Max- 10 lacs (Facility - ATL only)
Margin: Investment Purpose: 10% Consumption Purpose: 30%
KISAN GOLD CARD
Disbursement: 80% for Investment Credit (Other than Purchase of land, Construction of farm
(KGC) house and Purchase of tractor & its accessories)
Disbursement: 20% for Consumption Needs
Validity = 1 year from sanction
Repayment = For Normal Activity – 6 to 7 years
Repayment = For Horticulture – 9 years
Loan Amount :
5 times of farm/non-farm Annual Income OR
65% of the value of land/building to be mortgaged whichever is less.
Minimum - Rs. 3.00 Lacs
Maximum - Rs. 200.00 Lacs
Facility : Drip-line OD Only for Medium & large farmers
Margin – 15-25%
LTV – 65%
ASSET BACKED Collateral Coverage– 155% of Loan amount
AGRI. LOAN (ABAL) EM/RM of SARFAESI Compliant immovable property
Property within the radius of 25 KMs. from the branch
Only 1st charge on immovable property
Processing Fee: 1.00 % of loan amount. Maximum Rs. 2.00 Lacs
Repayment : 1 to 6 years
Inspection: Half-yearly
Interest Subvention NOT available.
13(2) notice under SARFAESI to be served at the date of NPA, if not repaid.
Schemes & features Modified New Tractor loan Stree Shakti Tractor Loan Tatkla Tractor Loan
Facility ATL ATL ATL
Without Collateral:
On Tractor- 25% To be kept as TDR with Zero
rate of interest for value of 25%
Margin 15% On Accessories – 50%
of cost of (tractor + insurance +
registration)
With Collateral:- 10%
Loan Amount 85% of on-road price Total Cost (including everything) – Margin
100%
(cost of accessories excluded)
Scoring Model 71 & above – Clear sanction 71 & above – Clear sanction 61 & above – Clear sanction
Land Holding Min 2.00 Acres Min 2.00 Acres Min 2.00 Acres
NAI *** Rs. 1.50 Lacs ***
EMI/ NMI % *** 60% ***
Without Collateral = 36 EMIs + 1 M If net Loan (Loan-Margin as
as Moratorium
Repayment *** TDR) = 4 years
With Collateral = 48 EMIs + 1 M as If loan in full = 5 years
Moratorium
Up to Rs. 1 Lac only To be kept as TDR with Zero
Collateral
Hypothecation of Tractor 30 % of loan amount in the form of rate of interest for value of 25%
Avove Rs. 1 lac, Mortgage of TDRs/NSCs/Gold Ornaments of cost of (tractor + insurance +
land also. registration)
DSCR 1.5 :1 1.5 :1 ***
TAT *** 3 days 2 days
Inspection Half-yearly Half-yearly Quarterly
PDCs  6 PDCs 
Penal interest @ 2% p.a. for failure Eligibility- Who can purchase
to get the Tractor/Trolly registered tractor with cash.
within 1 Month, from date of delivery
for period of delay.
Interest to be applied on net of
Margin ( Bank Loan Amount -
Others  Braches should ensure by verifying Margin Amt. in 0 % TDR )
the RC book within a period of 15
days from the date of disbursement of
PAI cover for Rs.4.00 lakh up to
2 farmers for first year by bank
the loan or reported delivery of the
tractor NO Upfront fee

Schemes & features Combine Harvesters Power Tiller Farm Machinery
All
farmers-individuals/Joint
borrowers who are owner
Farmer or Group of Max. 3 farmers cultivators
Eligibility New Combine Harvester Only owing land 1 acre (perennially
 Tenant farmers, Oral lessees and
irrigated land)
Share Croppers
SHG & JLG
Facility ATL ATL ATL
Margin 25% of cost + accessories 10% Loan upto Rs. 50000/- NIL
(excluding Reg + Insurance) Above Rs. 50000/- = 10%
Loan Amount 75% of cost + accessories 90% of (Power Tiller + Accessories) ***
(excluding Reg + Insurance)
71 & above – clear sanction 71 & above – clear sanction 56 & above – clear sanction
Scoring Model 26 & above – Deviation require 26 & above – Deviation require 26 & above – Deviation require
25 & below – decline 25 & below – decline 25 & below – decline
Self propelled combine
harvesters
Min-8 acres (Irrigated)
Land Holding Combine Harvesters (as as 1 acre (perennially irrigated land) ****
attachment / equipment)
Min-6 acres (Irrigated) (Farmer
should own a tractor of NOT
less than 50 HP)
5 Years (Including Moratorium)
Repayment
9 Years (Including all grace Minimum monthly repayment of Rs. 7 Years (Yearly / Half-yearly /
500/- mandatory and rest amount
period) in Half-yearly installments Quarterly / Monthly)
(Principal +Interest) to be repaid at
Half-yearly intervals
Upto Rs. 1.00 lac = Nil
Upto Rs. 1.00 lac = Nil Upto Rs. 1.00 lac = Nil
>1.00 lacs to 2.00 lacs-
Collateral >Rs. 1.00 lacs 50% of loan as 50% mortgage / TPG / 50% Liquid security >Rs. 1.00 lacs = Mortgage of
mortgage / Liquid security land
> 2.00 lacs- only 50% mortgage
DSCR 1.75 : 1 If land is below 1 acre = 1.75:1 1.75:1
TAT 7 days 7 days 7 days
Inspection Quarterly Quarterly Half-yearly
Penal interest @ 2% for period Failure to get the vehicle registered
of default within one month from the date of Insurance waived upto Rs. 25000
Others delivery attracts penal interest rate of
(Also in failure to get the C.H. 2% for the period of default by the Upfront fee waived upto Rs. 2 lac
registered within 30 days) borrower
Loan = 4 X the average profit of last 2 years (Maximum Rs. 10.00 Lacs)
Out of Loan of Rs. 10 Lacs, Bifurcation of Finance under:-
(a) Milk House / Society Office = Rs. 2 Lacs
(b) Automatic Milk collection system = Rs. 1 Lac
(c) Milk Transportation = Rs. 3 lacs
Dairy Society Plus (d) Chilling Unit = Rs. 4 Lacs
Margin = 15%
Repayment = 5 Years with gestation /Moratorium period of 6 Months
Collateral = Mortgage of land / Guarantee of Dairy Union
Maximum Age = Less than 65 years
Having Animals LESS than 10 = 0.25 acre land for every 5 animal for growing green fodder
Having Animals MORE than 10 = 1 acre land for every 5 animal for growing green fodder (Either Own / lease)
Loan Amount = Max- 5 Lacs
Dairy Plus
Working Capital = Rs. 2500/- per animal per year
Margin = Loan upto Rs. 1.00 Lac = NIL
Margin = Loan above Rs. 1.00 Lac = 10%
Repayment = 5 Years + Gestation /Moratorium period of 6 Months
Maximum Age = Less than 65 years
Having 0.5 acre land for every 5 animal for growing green fodder
Finance for 4 Milch cattle (Without Margin)
Margin = NIL (Only 10% kept as TDR)
Collateral =Up to Rs. 1.00 Lac= NIL
New Dairy Products > Rs. 1.00 lac to Rs. 3.00 Lacs = 20% (10% as TDR + 10% in Others)
under Tie-up > Rs. 3.00 lacs = 35% (10% as TDR + 25% in Others)
Minimum Score : 25 & Above

Repayment = 5 Years (Including 1 Month Moratorium)
PAI of Rs. 2.00 Lacs Mandatory
5 Years Insurance of New Cattle by Applicant

Facility = Both TL / ACC / KCC
Term Loan (for cost of construction / purchase of machinery)
ACC (for cultivation of vegetables / crops)
Loan Amount = Cost of Project – Margin
POLY House Margin = 15%
Collateral = Upto Rs. 1 Lacs – NIL & More than Rs.1 Lacs – Mortgage of land
Credit Score = 50 & Above
Minimum Size of Unit = 1000 Square Meters
TAT = 7 days
Loan = 80% of (Cost + Insurance)
Margin = 20% of (Cost + Insurance)
Solar Photovoltaic Water Subsidy = Upto Max- 5 H.P.
Back end subsidy = in form of Zero rate TDR for 3 years locking period
Pump
Credit Score = 50 & above

Combination of KCC + PML
Max Loan amount = (a) Production Credit - No Upper Limit
(b) PML - Rs. 25 Lacs per borrower
FEEL
(Farmer Easy Empowered Margin = (i) Production Credit (a) If Scale of Finance is available – NIL
Loan) (b) If cost of cultivation is available (Then Above Rs. 1.00 Lac) = 15 to 25%
(Krishi Kalyan) (ii) PML = 40%
Repayment = Crop loan to be liquidated out of PML and PML to be liquidated within 12 Months.
Stock Statement = Bi-Monthly
Limit = Rs. 25000 (Max.)
General Credit Card Validity = 3 Years (Annual review)
Revolving CASH CREDIT
Min- Rs. 50000/-
Max- 4 X Corpus of SHG as CASH CREDIT
SHG Credit Card
No Margin
Validity = 3 Years
Minimum Rs. 2.00 Lacs as TERM LOAN
SHG Gold Card No Margin
Validity = 3 Years
New Farmer – Minimum flock size = 6000 birds
Existing Farmer – Expansion of 6000 addition birds Total 6000 to 12000 birds
Repayment to begin from the 7th month of disbursement (5 repayment cycle in a year)
Moratorium = 6 Months
TAT = 7 days
Broiler Plus under Tie-up Facility = ATL
Margin = New (NIL) – Only Cash Collateral 25%
Margin = existing (NIL) – Only Cash Collateral 20%
As TDR with card rate and interest will be credited in loan account (on quarterly basis)
Collateral = 50% of Loan Amount
Credit Score = 25 & above
PAI is mandatory
The farmers should possess adequate land for construction of poultry shed, which should be at least 500
meters away from any existing poultry farm. Potable water source should be ensured.
ECONOMIC FLOCK SIZE: The minimum flock size should be 5000 birds. However, financing can be
done for 10,000 and 15,000 birds or part thereof. A model scheme has also been circularized by the Bank
New Farmer – Minimum flock size = 6000 birds
Broiler Plus Rearing Period of birds : 7 weeks
Repayment = 5 years inclusive of Moratorium of 6 Months
Facility = ATL
Maximum Loan : Rs.9.00 lakh per farmer
Margin = 25%
Collateral = 50% of Loan Amount
Credit Information Report
When Secured Loan When Unsecure Loan
Up to Rs. 3.00 Lacs = Only ONE CIR Up to Rs. 1.00 Lac = Only ONE CIR
Above Rs. 3.00 Lacs = Two CIR Above Rs. 1.00 Lac = Two CIR

Some Important Committees
A C Shah Committee NBFC (Non Banking Financial Company)
Ghose Committee Concept of weaker section
Goiporia Committee Customer Service In Banks
Khanna Committee Non Performing Assets
Mahadevan Committee Single Window Counter
ML Dantwala Committee Regional Rural Banks
Narsimham Committee Banking Sector Reform
Rangrajan Committee Computerization of Banking Industry
Talwar Committee Customer Service
SS Kohli Committee Willful Defaulter
Raghuram Rajan Committee Financial Sector Reform
For comprehensive financial services for small businesses and low-income
Nachiket Mor Committee
households
Bimal Jalan Committee New Bank License
Kalia Committee Self Help Group
Ghose Committee Relating to frauds and malpractices in banks
Ratan Watal Committee To regulate payments and settlements for Digital Payments
Talwar Committee Teller System
Ojha Committee Service Area Approach
 After Merger Total Customers of the bank are = Approx. 37 Crore

 No. of ATMs = 59000
 No. of Branches = 24000
 The Central Board has declared a dividend of INR 2.60 per share @ 260% for the year ended March 31, 2017
 Other Income for the year and quarter ended December 31, 2016 includes gain of INR 1,755 Crore on sale of
3.9% stake held by the bank in the subsidiary SBI Life Insurance Company Limited
 No. of Total Circles = 16
 No. of Apex Institutes = 5 (6th Institute is being set up in Kolkata)
 No. of SBLCs are = 47
Financial Results (As on 31.03.2017)

 Provision Coverage Ratio (PCR) = 65.95 %.
 Operating Profit = Rs. 50848 Crore
 Total Provision = Rs. 40364 Crore
 NET PROFIT = Rs. 10484 Crore
 Net Profit (in Quarter-4) = Rs. 2815 crore  Gross NPA of SBI Group (Whole) = 9.04%
 CASA Ration on 31.03.2017 = 45.58%  Net NPA of SBI Group (Whole) = 5.15%
 Gross NPA (Rs. 112343 Crore) = 6.90%
 Net NPA (Rs. 58270 Crore) = 3.71%
 ROE (Return on Equity) = 7.25%
 ROA (Return on Assets) = 0.41%
 Average Cost of Deposit = 5.79%
 Average Yield on Advance = 9.42%
 Cost to Income Ratio = 47.75%
 Net Interest Margin (NIM) = 3.11%
 CAR (Capital Adequacy Ratio) = 13.11%
 EPS (Earning Per Share) = 13.43%
 Face Value of Share = Rs. 1 per Share
“All the Best. Go and get it”


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Promotion from Clerical to Officer Cadre

Neeraj Kumar Sahu

It is my honour and privilege to bring out a new series of

All the best

Feedback and suggestions are warmly welcomed

Compiled by: Neeraj Kumar Sahu (Trainee Officer-2015) Page 2

(Trainee Officers Examination – Revised Test pattern)

General Awareness about Banking Environment, KYC, Legal Issues 20 20

Alternate Channel Products 20 10

Writing Essay on banking related topics (250 words)

(Officer JMGS-I Examination – Revised Test pattern)

CBS & Computer Awareness, computer security related questions 20 15

Latest Financial results, performance indicators of the Bank and productivity

Objective type questions on practical problems in general banking 10 20

Organisational Structure & Policy guidelines of the Bank 10 10

Total (Duration : 150 minutes) 140 100

Compiled by: Neeraj Kumar Sahu (Trainee Officer-2015) Page 3

23 Principal Adviser of NITI Aayog. Shri Ratan P. Watal

24 CEO of NITI Aayog. Shri Amitabh Kant

Compiled by: Neeraj Kumar Sahu (Trainee Officer-2015) Page 4

35 ____________ becomes first Indian to win a GP3 race. Arjun Maini

36 International Cricketer of the year is_____. Ravichandran Ashwin

38 ____ will introduce boat ambulance in four districts Odisha

39 Nitin Gadkari launches NHAI’s Masala Bond in___ United Kingdom

41 New CEO of PayTM payment bank is___ Renu Satti

42 ____ will be new head of WHO w.e.f. 01.07.2017. Tedros Adhanom

46 Part-time Chairman of UIDAI, J. Satyanarayana

47 CEO of UIDAI ____ Ajay Bhushan Pandey

48 NASSOCOM chairman is___ Raman Roy

49 NABARD chairman is___ Harsh Kumar Bhanwala

50 Chairman of CBDT (Central Board of Direct Taxes) _______ Sushil Chandra

56 SBI is offering Skill Loan up to Rs. ____ Lacs. 1.5 Lacs

66 Which country officially recognizes Bitcoin as Currency ? Japan

Compiled by: Neeraj Kumar Sahu (Trainee Officer-2015) Page 5

79 IRDA Headquarter is situated in____ Hyderabad

81 IBA’s Chairman is____ Rajeev Rishi

82 CEO of IBA (Indian Bank’s Association) is ____ V G Kannan.

86 MCX relates to________ Multi Commodity Exchange

87 Expand “ETF” Exchange Traded Fund

88 Chairman of NSE (National Stock Exchange) Ashok Chawla

91 Expand “IASB” International Accounting Standards Board

92 WMA stands for ___ Way and Means Advances

93 SBI recently opened it’s second Branch in China at____ Tianjin

94 Chairman of Central Board of Excise & Customs (CBEC)____ Vanaja N. Sarna

97 UPSC Chairman is___ David R. Syiemlieh

98 GST Council is headed by____ Union Finance Minister

Compiled by: Neeraj Kumar Sahu (Trainee Officer-2015) Page 6

106 RBI’s Financial Year is 01 July to 30 June Every Year

113 Form 15G/15H must be retained for ___ years. 07 Years

114 SEBI complaint Redressal System called___ SCORES

115 RBI complaint Redressal System called___ SACHET

117 iMobile Smart Key is an initiative of ____ ICICI Bank

118 Global Innovation Index-India ranks___ out of 128 countries. 66th

120 JAM stands for Jan Dhan Aadhar-Mobile

126 Pensioner helpline no. is____ 1800110009

127 New website address of our bank is___ https://bank.sbi

128 Govt of India hold share in SBI (as on 31.03.2017)___ 61.23%

131 SMS Unhappy no. is____ 8008202020

138 Olympic 2020 will be held in ___ TOKYO

Compiled by: Neeraj Kumar Sahu (Trainee Officer-2015) Page 7

142 Expand “SMAC” Social Media Mobile Analytics Cloud

145 SBI’ cloud name is___ Meghdoot

146 CIBIL new name is___ Transunion CIBIL Ltd.