24 * 7

BANKING FACILITY
FOR
RETAIL & CORPORATE
CUSTOMERS
BANKING STARTS
for Anyone with
an

ACCOUNT
for that

DIGITAL ACCOUNT

Regular Account

INSTA DEPOSIT account
 24 * 7
facility to
RETAIL CUSTOMERS
●Retail Internet banking
● SBI Anywhere personal

● SBI Quick

● SWAYAM (for Passbook Printing)

RETAIL INTERNET
BANKING (RINB)
Various Functionalities inRINB
Account Summary and Account Statement

1) Fund transfer to Own a/c , With in SBI or Outside SBI.

2) One can get his CIBIL score.
3) Can update Aadhar with Bank account (CIF).
4) NPS contribution can be made by using RINB facility.
5) Demand Draft can be issued by using RINB facility.
6) Various Bill payment, Insurance premium payment, top up , recharge can be done using
RINB facility.
7) Opening of E-TDR, E-STDR, E-RD can be done with RINB.
8) TDS enquiry , Interest certificate on deposit account can be done with RINB.
9) Overdraft facility against TDR can be obtain with RINB and also overdraft against TDR can
be close from RINB itself.
10) NRI E Z Trade Fund Transfer A/c by which NRI customer can have 3 in 1 account in
association with SBI Caps security Ltd (SSL) to trade in Shares.
11) Tax credit Statement ( Form 26AS) can be viewed and e-Filing and E- verification can
also be done by RINB. Housing Loan - Notional Interest : A Herculean task for Salaried
Individuals now made a cake walk.
12) Demat and ASBA services can also be accessible from RINB.
Various Functionalities in RINB Contd.
• ATM card related services like blocking of ATM card, limit change,
usage change, pin generation for ATM can also be done by RINB.
● Premium payment of various social service scheme like PMSBY, PMJJBY
and APY can also be done by RINB facility.
● Submission and enquiry of 15G and 15H can also be done by RINB facility.
● SB Account can be transferred from one branch to other using RINB facility.
● Purchase of sovereign Gold Bond can also be initiated by RINB.
● EMI facility for E-commerce purchase can be set up with RINB.
● Standing Instruction for E-RD, PPF can be set up with RINB.
● Cheque Book request and payment of stop cheque can also be initiated from RINB facility.
● Closure of loan Account can be done from RINB and no need to visit branch for this purpose.
● New PPF Account can be open from RINB facility.
● Online nomination of Saving account and other deposit account can also be done
through RINB facility.
● Access level upgrade for RINB can be done from RINB itself and no need to visit branch for
this purpose.
● OD Limit for CSP Account can be set through RINB facility.
● Eligibility of Loan from PPF Account or withdrawal of PPF account can be checked through
RINB facility.
 SBI ANYWHERE
PERSONAL
USP
➔

➔ Convenience of banking from anywhere, anytime, on 24 x 7 basis

➔ Various banking facilities like fund transfer, opening TDR/STDR/RD, instant loan
on FDs.
➔ Facilitates online Tax payment, ITR e-filing, e-commerce, bill payment.
➔ Highly secure, fast and accurate
➔ Eliminates paper work - Green initiative
➔ Transactions on real time basis (except NEFT)
➔ Target Group : All personal segment account holders
 SBI QUICK
USP : App Features :

SMS or Missed Call banking, without 1. Account services -

use of Internet. ➔ Registration
➔ Balance enquiry
Target Group : For all State Bank ➔ Mini-statement
account holders ➔ 6 month e-statement
➔ Edu loan int e-cert
Pre-requisites : ➔ Home loan int e-cert
1. Mobile No. should be registered in the ➔ Deregister
bank account
2. ATM cum debit card-
2. For dual SIM phones, the default ➔ ATM card blocking
SIM/No. for sending SMS should be the ➔ ATM card switch on-of
registered mobile number ➔ Generate Green PIN , etc.
SBI QUICK
 Features :
●
Stand-alone, networked machine for passbook
printing 24x7
●
Bar code is affixed on the customer's passbook
and mapped to his account number.
●
Can be used by customer himself, without
intervention of Branch staf.
●
Reduces Branch congestion.
 SBI BUDDY
MERCHANTS
Features
Limits per wallet (Amount inRs.)
a. Add Money – users can add money to the wallet a/c
using debit cards/net banking/IMPS credentials of 1. Maximum balance at any point of time 10,000/-
account with any Bank.
b. Ask Money – users can ask money from other State 2. Top up through any channel per transaction 10,000/-
Bank Buddy users
c. Send Money – users can send money to any contact in
phone book or Facebook. 3. Total reload in a month 10,000/-

Beneficiary need not be a user of State Bank Buddy. 4. Total transactions (merchant transactions and fund
transfers)- Daily limit- 15000/-
d. Recharge and Pay Bills – user can recharge prepaid Monthly limit - 20,000/-
mobile/DTH and pay utility bills using the wallet
application 5. Fund transfer- Per transaction limit - 5000/-
- Daily limit - 5000/-
e. Market Place – users can use the following facilities
􀂃 Shopping 􀂃 Movies 􀂃 Flights 􀂃 Hotels -Monthly limit - 20000/-

6. Cash out at ATM per transaction Not allowed

 24 * 7
facility to
CORPORATE CUSTOMERS
●

● CORPORATE INTERNET BANKING

● COPRORATE ANYWHERE APP

● POS

● BHARAT QR

● BHIM ADHAAR SBI

 CINB (CORPORATE INTERNET
BANKING)
Features :
Apart from regular Internet Banking facilities such as fund transfer, account
statement etc.CINB ofers the following features :
➔ File Upload Facility- To facilitate bulk transactions
➔ Tax Payment- such as Direct (OLTAS)
➔ E-Collection Facility- for collection of receivables from their dealers
➔ Direct Debit Facility (Vistaar)- Corporate (Supplier) can directly debit the
accounts of their dealers maintained at SBI branches at diferent locations.
➔ Online Auditor (Vistaar)- for taking a quick second look at the transaction and
postfacto audits
➔ MIS Reports (Vyapaar&Vistaar)- as per the specific requirement of the
Corporate
➔ PKI Based Security- facility to Upload Files using digital signature
➔ Upgrade from Khata plus facility to Vyapaar or Vistaar and from Vyapaar to
Vistaar
 TYPES OF Transaction Products
CINB
FACILITY SARAL – View and transact with a cap of INR
10 lacs per daylight limit.
● Accounts operated at one branch under
one CIF or a customer number by a single
Enquiry user.
Products

KHATA – Facitlity to View VYAPAAR – View and Transact with cap of

accounts in a Branch under INR 50 lacs per transaction.
one CIF or a Customer ● No daylight limit.
number by a single user ● Accounts operated at one branch.

VISTAAR – View and transact with a cap of

INR 500 crore per transaction.
KHATA PLUS -Multiple ● No day light limit.
users can view accounts ● Multiple users / branches.
under diferent CIF at ●

Multiple Branches.
CORPORATE ANYWHERE
 POS
POINT OF SALE
What is PoS?
PoS is a hassle-free and secure way to receive payments by merchants from their
customers having debit/credit card. The merchant will be provided with PoS
terminals.
Advantages of PoS to Merchants -
➔
No Cash handling : saves precious time and money.
➔
Increased Sales: Customers have tendency to purchase more while using the
card. More sales and higher profits.
➔
Additional revenue stream from value added services such as Cash @ POS,
Dynamic Currency Conversion (DCC) etc.
➔
Increased Customer Stickiness: Customers tend to visit merchants accepting
payment through Cards.
➔
Loyalty Rewards for Customers: Merchants' can ofer additional loyalty
reward points to its customers to attract them for repeated purchases.
➔
OD facility - on basis of last 6 months average transactions.
➔
No Risk of Forged Notes.
 Types of PoS
TYPE OF DEVICES
PARTICULARS
PSTN D-GPRS P-GPRS

Mode of Operation Works on Landline Works on SIM

connection network
Works on SIM network
with Battery Backup
Rent Nil 220/- + GST 400/- + GST

MDR CHARGES FOR DEBIT CREDIT FOREIGN

CARD CARD CARD
MERCHANTS
SMALL MERCHANTS (TURNOVER
UPTO 20 LACS) 0.40% 1.90% 2.50%

OTHER MERCHANTS (TURNOVER 2.50%

MORE THAN 20 LACS) 0.90% 1.90%

NIL MDR CHARGES UPTO Rs . 2000/- FOR DEBIT CARD TXN.

 BHARAT QR CODE
What is
BHARAT QR?
§ It is a Digital PoS hence no physical
device is required. A QR Code is
scanned by the customer to make
payment.
§ Merchant can see record of his
transaction on Bharat QR Merchant
App. This BHARAT QR also allows
merchant to accept payments through
all modes such as Cards, BHIM/UPI,
PayTM and Google Tez.
§ MDR 10 bps less than usual Debit Card
MDR applicable for PoS.
§ 0.65 % txn charges in case of UPI
payment.
WHY BHARAT
QR?
• Nil MDR on for Debit Card txn upto
Rs. 2000 to be used aggressively for
marketing BHARAT QR.
• No rentals and commitment charges.
• A new, hassle-free and secure way to
receive payments by Merchants from
their customers by scanning a QR
code.
§ No manual settlement required as
PoS– Merchant gets the credit on T+1
basis
§ Minimum chances of chargeback as it is
customer initiated transaction.
 BHIM ADHAAR SBI
SBI has introduced a unique concept of ‘BHIM AADHAR
SBI’ riding on existing Aadhar Enabled Payment System
(AEPS) platform.
USP
Merchant Requirement: Current /Saving i. No need to say
Account(Aadhar seeded), 4.2 version Android with OTG “Chhutta nhi hai…”
support and Biometric device.
ii. Zero MDR
TRANSACTION LIMIT
iii. Real time payment.
PARAMETER CUSTOMER MERCHANT
(BUYER) (SELLER) iv. Consumers do not
need to have card,
Per Txn Rs. 2000 Rs. 2000
mobile, internet and
Per Day Rs. 5000 Rs. 25000 remember password
and OTP.
Per month Rs. 25000 Rs. 100000
SBI PRODUCTS FOR ALL
 ATM

You can withdraw cash
from any beaches of the
SBI across the India 24*7.

We have biggest no. of
“ 59291” atm's
available in India as
compare to any other
banks.
(AS ON 31st MARCH 2017)



 CDM
➔
The Cash Deposit Machine, better known as CDM
is an ATM like machine that allows you to deposit
cash directly into your account using the ATM
cum debit card.

USP
✔
Instant credit of cash deposit into your own
account
✔
Quick and convenient way to deposit cash
✔
Paperless transaction
✔
The per transaction limit is Rs.49,900/- for
Cardless deposit and through Debit Cards ₹2.00
lacs (subject to account has PAN number).
✔
You can also deposit cash in your PPF, RD and
Loan accounts
✔
Upto 200 currency notes can be deposited in a
single transaction
✔
The CDM only accepts denominations of Rs.100/-,
Rs.500/- & Rs.2000/-



 BHIM SBI PAY
USP :
1. For real time money transfer directly from bank account to beneficiary's account
without adding beneficiary (as required in INB)
2. Multi options of money transfer, using any of the following beneficiary details:
a. VPA (Virtual Payment Address)
b. QR (Quick Response)
c. Aadhaar number
d. Account no+IFSC

3. Multiple accounts in multiple banks can be linked for fund transfer and balance
enquiry.
4. No transaction charges
5. App can be used by both consumer and merchant.
Target Group : Account holders of any UPI enabled bank (presently 34 banks are
UPI enabled)
Pre-requisites:
1. Mobile - Android 4.2 and above, with internet connection
2. Mobile number present in the android handset should be registered in Bank
account
3. Valid email address
4. Details of ATM/debit card linked to the account required for UPI PIN set up
THANK
YOU