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Quick Success Series - Technology April 24, 2010

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Quick Suc-cess Series

QUICK SUCCESS SERIES is an initiative of SBLC Deoghar to facilitate the preparation of promotion seeking personnel of our Bank, appears to have succeeded in its objective to a large extent as the readers are still approaching us for its revi-sion/updation despite availability of plenty of other study materials.

We would not have been able to sus-tain this unique effort of ours, with-out the active support and continuous encouragement of our DGM cum Cir-cle Development officer Sri Bijaya-nanda Padhi. We are deeply indebted to him for his co-operation and guid-ance.

Sri Rakesh Roshan, Chief Manager (Training) , Sri Kumar Priyank, Chief Manager (Training) ,Sri Sanjay Kumar Sharma, Manager (Training) and Sri Ji-tendra Kumar Arun Manager (Train-ing) at this SBLC have owned up this project and have taken pains to keep it relevant to the users by updating & improving it at half yearly interval.

Though every care has been taken

while updating the contents, we re-quest our readers to point out any lapses at the earliest. Needless to mention that this book is not a substi-tute of circular instructions issued by the Bank from time to time. For de-tailed guidelines please refer to Bank’s latest circulars. Soft copy of this edition is available on our ftp://10.151.51.33 in QSS folder and on SBI TIMES>PATNA CIRCLE>SBLC Deoghar site.

Team SBLC Deoghar is humbled by the response and recognition; it is receiv-ing from readers within and beyond the circle. Our Team wishes the read-ers grand success in their endeavors.

Abhishek Kumar Sharma Assistant General Manager, State Bank Learning Centre, Deoghar- 814112 Phone- 06432-232895 Fax - 06432-231810 E-mail: [email protected]

Technology

Updated By: Kumar Priyank Chief Manager- Training, SBLC Deoghar Mobile- 7321805713 Email- [email protected]

(UPDATED UP TO 31 st october 2016)

Quick Success Series - Technology October 31, 2016

ABBREVIATIONS

RAM - Random Access Memory ROM - Read Only Memory CPU - Central Processing Unit CDMA- Code Division Multiple Access EDP - Electronic Data Processing EDI - Electronic Data Interchange EFT - Electronic Fund Transfer GPRS – General Packet Radio Service MICR - Magnetic Ink Character Recognition WWW - World Wide Web SFMS - Structured Financial Messaging Solu-

tions GUI - Graphical User Interface HTML- Hyper Text Markup Language HTTP - Hyper Text Transfer Protocol FTP - File Transfer Protocol ISDN - Integrated Service Digital Network IMPS- Immediate Payment service. VSAT - Very Small Aperture Terminal USSD - Unstructured Supplementary Services

Data NPCI-National Payment Corporation of India MDR: Merchant Discount Rate

MTSS: Money Transfer service scheme. MAB: MERCHANT ACQUIRING BUSINESS TSP: Technology Service Provider. ADS- Active Directory Services BAS-Biometric Authentication Solution ASBA- Applications Supported by Blocked

Amount NACH- National Automated Clearing House MPLS- Multi Protocol Label Switching OCAS- Online Customer Acquisition System POS- Point Of Sale UPI- Unified Payment Interface APBS- Aadhar Payment Bridge System AEPS- Aadhar Enabled Payment System QR code- Quick Response Code BBPS-Bharat Bill Payment System TreDS- Trade Receivable Discounting Scheme MMID-Mobile Money Identifier MPIN- Mobile PIN VPA- Virtual Payment Address

TERMINOLOGY

BIT - The smallest amount of informa-

tion that can be transmitted

BYTE - A unit of information that corres-ponds to a character (Eight bits)

FTP - File transfer protocol. A protocol used to provide file transfers across a wide variety of systems

UPLOAD - To Transfer a file from Client’s computer to host’s computer (Server)

DOWNLOAD - To Transfer a File From Host (Server) to Client’s Computer

URL - Uniform Resource Locator, the form of the site address that reveals the name of server where the site’s files are stored

ENCRYPTION -Conversion of Plain Text to Ci-pher Text using certain logic

DECRYPTION -Conversion of Cipher Text mes-sage to plain Text

NACH- National clearing system with a centra-lized platform for bulk electronic debit or cre-dit transactions. Implemented by NPCI. Being positioned to replace existing ECS.

Inland LC- SFMS is made mandatory for is-suance of LC and other related transaction from 01/08/2012.

SBI inTOUCH Branch- Digital Branch , started on 01/07/2014

Project Avirat-The 2 Mbps alternate links project (christened as “Project Avirat”) is an ambitious project aiming at providing 2 Mbps alternate links on wireless/wired connectivity to all branches of State Bank of India and As-sociate Banks, including VSAT branches. The alternate connectivity will translate into high-er uptimes, adequate and consistent connec-tivity at end locations leading to better us-er/customer experience.

ITAM-IT Asset Management Solution-The ob-jective for ITAM solution was to manage the IT assets of the Bank with respect to cost, risk, governance and compliance to meet the busi-ness performance objectives of the Bank.

STATE BANK CASH POINT- State Bank Cash Point is a ‘Cash Recycler’ i.e. an ATM-like ma-chine that performs dual functions of cash withdrawal and deposit. From the customer perspective, it functions exactly like our present day ATM and CDM. While cash with-drawals will be effected using a debit card, customers can use their debit card/ cardless function to make cash deposits.

ATM


ATM - stands for- Automated Teller Machine FIRST ATM in the world was installed by Bar-

clays Bank in London in 1967 FIRST ATM in INDIA was installed by HSBC in

Kolkata in 1987 FIRST PSB to Install ATM in INDIA – Indian

Bank Installation of FIRST ATM By SBI- At Jamshed-

pur in 1993 We have two ATM Switches viz. Base24 and

Electra. The production setup is at Mumbai and DR setup for Base24 is at Hyderabad and for Electra at Chennai. All the Electra Switch Connected ATMs are scheduled to be mi-grated to Base24 Switch before July 2016.

The Bank's ATM Switch, set up at Belapur, Navi Mumbai consists of: • Tandem Server (HP Himalaya Series), which is fail-safe, fault-tolerant and highly scaleable. • Base24, the application software for Tan-dem, supplied by ACI Worldwide, Singapore. • Host Security Module (HSM) - supplied by Racal, UK, provides for PIN authentication.

• Connectivity to the network through SBConnect, VSATs, CDMA.

Disaster Recovery Site (DRS): The Bank has established a DRS at LHO, Chennai to take care of any disruption of in services at the ASC at Belapur. The ATM Switch hardware and software have been replicated at DRS. All ATM and POS transactions are also replicated at DRS online using extractor / replicator utili-ty.

SBI seamlessly migrates its BASE 24 ATM SWITCH, to become the first bank in the world to operate a switch on HP nonstop Quad Core System, capable of handling over 50000 ATMs..

ATM vendors : The bank has purchased ATMs of different makes and models from almost all ATM manufacturers viz. NCR, Diebold, Win-cor, Hitachi, Hyosung, Oki and Vortex de-pending on its requirements.

ASC has been awarded with the “ISO Certifica-tion - 27001” indicating highest technical and Security/safety standards

Managed Services (MS) providers : The Bank has outsourced the management of ATMs on its network to NCR, AGS, HitachiPayments (Prizm) and FSS (4 vendors)

MS vendor will be allowed maximum 2 cash outs per 100 ATM per month or part thereof for the group of ATMs allotted to vendor at Circle level. Penalty will be levied for any addi-tional cash out during the month. Penalty would be as under:- (i) Rs. 1000/- per incident (ii) Additional Rs.5000/- if cash out continues beyond 12 hours, for each block of 4 hours. The ATMs have been classified into 3 dif-

ferent categories- Metro ATMs, Preferred ATMs and Regular ATMs.

Metro ATMs: All ATMs (including BLA/TOM) lo-cated at six metro centres viz. Delhi, Mumbai, Kolkata, Chennai, Hyderabad & Bangalore. As per new MS Agreement, MS vendors have to maintain higher availability (96%) at all Bank owned ATMs. The concerned Circles should follow up with BLA vendors also for maintaining availability commen-surate to the target (96%) for CAPEX ATMs at these centres. Preferred ATMs: ATMs identified (CAPEX only) on the basis of VIP locations advised by Circles, num-ber of daily average hits and percentage share of acquiring transactions in total transactions at a particular ATMs. MS vendors have to maintain higher availability compared to other ATMs at the centres (as mentioned in the agreement). Star ATMs: These are ATMs identified at four Me-tro centres (Delhi, Mumbai, Kolkata and Chennai) where Circles have to achieve 100% availability and ambience, visibility, signage, etc. of these ATMs has to be above par. Regular ATMs: All ATMs which have not been ca-tegorised in any of the above three categories are ‘Regular ATMs’. Overnight cash retention : Source: Report from the link branch SLA: Vendor will not hold or retain in their vault more than 15% of the total cash taken from Bank on monthly basis. Penalty: If the retention is more than 15%, a pe-nalty of 6% per annum will be levied on the excess cash retained in the vault during the month Card Issue Service Providers I) Vendors for Contact Cards: a. Syscom Corporation (P) Ltd. – A Morpho Com-pany.


b. MCT Cards & Technology (P) Ltd. c. Giesecke & Devrient India (P) Ltd. II) Vendor for (Dual Interface) Contactless Cards: a. MCT Cards & Technology (P) Ltd. b. Oberthur Technologies India (P) Ltd. c. Syscom Corporation (P) Ltd. – A Morpho Com-pany. For off-site ATM connectivity, we are using

following wireless technologies:

CAPEX Model OPEX Model

VSats HCL Comnet, Hughes, Bharti Airtel

HCL Comnet, Hughes, Bharti Airtel, Tata

CDMA Tata, Reliance Reliance

2G/3G Vodafone, Airtel Criteria for Issue of Cards: All new SB Account / Current Account holders are eligible for issuance of ATM- cum-Debit card and the request is to be made on the SB Account opening form itself. All existing account holders who maintain the specified minimum balance are also eligible for issuance of the card. The excep-tions to the above rules for the issuance of card are: • Accounts Operated jointly by all the account holders, • SB accounts of minors except cheque operated accounts by minor, • Accounts operated by illiterates. Issue of ATM Cards for Joint Accounts • Either or Survivor / Anyone or Survivor: In case of joint accounts operated by "either or survivor" or "anyone or survivor", a card may be issued to each account holder authorized to operate the account. Minimum balance and other eligibility conditions would apply to each card holder sepa-rately. For joint accounts, maximum of two cards can be issued under different names. • Former or Survivor: In case of joint accounts operated by "Former or Survivor", the card can be issued only to the "former". The request for is-suing an ATM card must be signed by all the ac-count holders in such cases.

• Joint Operation: In case the mode of operation is "jointly" by all the account holders, ATM cards cannot be issued. If the account holders desire

ATM cards, they must change the mode of opera-tion suitably. Features of the ATM cum Debit Card The front face of the card displays 19 digit (Maes-tro Cards) or 16 digit (Visa/Mastercard/Rupay) card number in addition to the name of the card-holder and the month from which card is valid. Maestro Cards are issued with a validity period up to year 2049. For 19 digit cards, the first 6 digits of the ATM card number represent the Bank's Institutional Identification Number (UN) / (BIN), the next five digits represent the branch code 12th digit represents type of card (0 - domestic, 7 - Kisan, 8 - International), next 6 digits represent the serial number of card issued at the branch and the last digit is the check digit. For 16 digit cards, first 6 digit of the ATM card number represent the Bank’s Institutional Identi-fication Number (UB/BIN), next 9 digits represent the serial number and the last digit is the check digit. The reverse of the card has a magnetic stripe and a white stripe for the signature of the cardholder. The magnetic stripe contains cardholder related details and should not be exposed to harsh condi-tions. So far, the Bank has been issuing only mag-netic stripe based cards. However, with effect from 01-11.2015, our bank is issuing only EMV compliant cards. EMV : Europay, Mastercard and Visa have devel-oped a common standard for smartcards to re-duce the frauds taking place with magnetic stripe cards. EMV is a standard for chip embedded cards, often referred to as smart cards. The trans-actions with EMV Cards are more secure (protects against counterfeit card) and can hold more in-formation than magstripes. ISSUANCE OF ALL NEW DEBIT CARD AS EMV CHIP + PIN CARDS (e-cir 1349 dt 03/02/2016) From 1st Feb 2016 (i.e. as per the extended time-lines permitted by RBI) all the Branches should stop issuance of the existing inventory of Mag-stripe based non-personalized cards and issue only EMV CHIP Cards. As regards the existing stock of classic Magstripe Cards, branches may arrange to destroy the same as the same cannot

be issued from today onwards.


DEBIT CARDS : (Amt in 000’)

Feature Classic Global Gold Platinum

ATM Limit 40 40 50 100

POS Limit 50 75 200 200

Dom/Intl DOM INTL INTL INTL

Chip/stripe CHIP CHIP CHIP CHIP

Purchase Protection

NA NA 5 50

Accidental Insurance

NA NA 200 500

Prepaid Cards A) Gift Card: a. Ideal for Corporate and individual gifting b. Also available online. c. Validity 3 years. d. Card limit Rs. 50000.00 e. Single load. f. Can be used on POS and online. B) Achiever Card a. Ideal for Corporates for non-cash incentives to employees. b. Reloadable. c. Validity 10 years. d. Card limit Rs. 100000.00 (200000 for employee) e. Can be bulk loaded online. f. Can be used on POS and online. C) EZPAY Card a. A variant of Rupee prepaid card with reloadable limit of Rs. 50000.00 b. An ideal product for payment of Govt. dis-bursement (Scholarship, social benefits etc) c. Wages to blue collar workers d. Validity 10 years e. Loading/ reloading at SBI branches/ through CINB f. Can be used on ATM, POS & online. D) Foreign Travel Card An ideal product for IT and other Corporates de-puting their employees on overseas assignment, student going abroad for studies and leisure tra-vellers etc .a. Available in 8 currencies- USD, GBP, EURO, AUD,CAD,JPY,SAR & SGD. b. Single/ multi-currency option c. Customised limit. d. Add-on card option available e. Corporate/ individual variant f. Validity 5 years. g. Reloadable. h. Can be used on ATM, POS & online. E) Payroll Card

a. Ideal for payment of salaries/ periodic pay-ments for blue collar workers. b. Simplified KYC (i.e. name, photograph, contact number and address) c. Validity 10 years d. Card limit Rs. 10000.00 (monthly limit Rs. 25000.00) e. Can be bulk loaded online. f. Can be used on ATM, POS & online.

Visa Money Transfer (VMT) facility enables any card holder of the Bank to transfer funds through the SBI Group ATM and all INB Users with transac-tions rights to any VISA Debit Card / Credit Card issued by the bank or any other bank in India. The card holder has to make one time registration and set up the VISA Card to which he proposes to transfer funds through www.onlinesbi.co.in. Transaction Limit- Rs 50000/- and Charge Rs 20/- + service tax. Card to Card Transfer (C2C) All ATM cum Debit Card holders of State Bank Group except State Bank of Patiala and State Bank of Mysore custom-ers. (This facility has been disabled for SBP and SBM as per their request. The card holders of SBP and SBM cannot remit funds but can receive funds)enables card holders to transfer funds to any card holder within State Bank Group through any State Bank ATM. Transaction Limit Rs 40,000/-. Per day without any limit of number of txn. Time limit for Credit- Within the same Bank-On line. Between different Bank-T+1 day. Money Send is launched by Master Card

Worldwide (MCW). It enables our card hold-ers to remit funds to any Maestro/Master Card holder of other banks within the country through State Bank Group ATMs. Transaction Limit- below Rs 50000/- per transaction. Charges- Upto Rs 25000/- Rs 20.00 per trans-action and More than Rs 25000/- Rs 30 per transaction. Day of Credit- (T+1) in case of Maestro Card and (T+2) in case of Master Card & VISA.

Undelivered ATM Cards & PIN should be in separate custody.

ATM Cards not delivered within a period of 45 days should be hot listed through Contact Centre.

http://www.onlinesbi.co.in/


PIN Mailers not delivered within a period of 45 days should be destroyed and Cards hot listed through Contact Centre.

International Debit Card Bank issues International Debit Cards, which are affiliated to MasterCard International's/VISA etc. These cards can be used abroad and transactions can be made in the currency of the country where card is used. There is no monetary ceiling on spends through International Debit Card while on a visit outside India except that it should not exceed exchange entitlements of the person under extant FEMA guidelines. The other condition is that the total amount of transactions on the card will be limited to the extent of the balance available in the ac-count maintained by the cardholder. The daily transaction limit per card has been set at US$ 1000/- each for merchant transactions and ATMs. As such, the total permissible withdrawal at Merchant Establishments and ATMs on a day is a maximum of US$ 2000/-. Issuance of ATM Photo Card ATM Photo cards are issued to the following cate-gories of Customers:

• MAHE Card (exclusively for Manipal University students / employees)

• ARMY Card (exclusively for Army personnel)

• IIM-L (exclusively for Indian Institute of Man-agement, Lucknow)

• Pehla Kadam, Pehli Udan etc.

Kisan card can be given only for ACC / KCC

Account Types excluding PB/RD products and to individuals only. SBI Exporters Gold card can be

given only for EPC (CC) account types (Product Types

COMPLAINT complaints for unsuccessful transactions

RBI- ATM related complaint to be resolved within 07 working days from the date of com-plaint; else Bank has to compensate the cus-tomer with Rs. 100/- per day beyond the 07th

day.

To be Paid by Debit to BGL A/C No 2399995 Charges (ATM Compensation)

Centralization of ATM Complaints Registra-tion. Complaint Management System (CMS) launched with effect from 21st Dec 2009.

URL Address for CMS is https://10.0.22.170:8070/CMS. Can be as-sessed at Branch, Contact Centre, Administra-tive offices and ASC

SBI customer can lodge the complaint in CMS either by calling the contact centre or at any branch (not necessarily customer branch) for following five categories:

i) Account debited but cash not dispensed ii) Account debited twice for the same withdrawal iii) Amount debited but amount not transferred to merchant establishment iv) Account debited twice for the same transac-tion at POS v) Regeneration of PIN Following transactions can also be lodged through CMS wef 20.10.2010: ATM Services: B to B transactions, C to C

transactions, VISA money transfer, Trust do-nations, FEE payments, Mobile Top up, SBI card payments

Payment gateway transactions: Online trans-actions through SBI debit card

Customer can also track his complaint by call-ing at contact centre or sending a SMS “ATM ticket number” to 567676 (for e.g. ATM AT429212345)

Error Codes in ATM: 00-Transaction approved with Balances

Transaction is successful 01- Successful Transaction – NO BALANCES

FOR DISPLAY (applicable to Credit Cards) 50- UNAUTHORISED USAGE -Card Blocked –

Branch should arrange for re-activation of the card

51- Expired Card 52- Invalid Card 53- Invalid PIN 54- ACCOUNT NOT APPEARING IN PBF AT

SWITCH CENTRE. Cards not flagged in the branch. Card issue status should be ‘ON’

55- INELIGIBLE TRANSACTION –The customer account status is dormant. Cashwithdrawal should be made across the counter to activate the account or branch should reset the dor-mancy flag.

https://10.0.22.170:8070/CMS


56- Ineligible Account (Selection of wrong type of A/C)

57- TRANSACTION NOT SUPPORTED by this ATM

58- INSUFFICIENT FUNDS Verify Bankmaster Node is working properly

59- INSUFFICIENT FUNDS (Try for lesser amount) Verify Bankmaster Node is working properly

60- MAXIMUM NO. OF WITHDRAWAL for the User ALLOWED REACHED

61- Would have EXCEEDED WITHDRAWAL of per day LIMIT of Rs.15,000/=- customer can try for a lesser amount

62- PIN Tries Exceeded 63- WITHDRAWAL LIMIT ALREADY EXCEEDED

further withdrawal will not be permitted 64- INVALID CREDIT CARD CASH ADVANCE

AMOUNT 68- EXTERNAL DECLINE – other bank / agency

not accessible 69- NO SHARING BETWEEN THE CARD ISSUED 70- SYSTEM ERROR (Please try other ATM (or)

contact branch – can be hardware problem

71- CONTACT CARD ISSUER (Credit Cards only) 72- MINI STATEMENT NOT MADE AVAILABLE

(not connected to database) – 73- ROUTING LOOKUP PROBLEM – Connectivi-

ty problem 74- MESSAGE EDIT ERROR – card damaged Changes introduced in ATM transaction flow

to safe guard customer interest and Bank’s image

i) Screen “Receipt cannot be printed, do you want to continue” removed - to prevent the frauds committed by jamming the receipt printer

ii) 2 digit security screen introduced - to pre-vent the key pad tampering frauds

iii) PIN entry time reduced from 30 seconds to 20 seconds and display time of screen “Do you want some more time” reduced from 60 seconds to 05 seconds - to restrict the time availability to the miscreants for manipula-tions

The existing Debit Card issuance strategy has been modified in line with RBI guidelines w.e.f. September 1, 2013 as follows: (e-Cir 579/ 2013-14)

Debit Card to Illiterate Customers- Now Debit Card may be issued to illiterate customers under

financial inclusion products to those who request for such cards. Under PMJDY, RuPay Debit Cards are to be provided to all Basic SB account holders to extend to them the benefit of Rs one lac acci-dent insurance cover. Limit Channel Change Through INB- The customer may select “ATM Card Limit/Channel/Usage Change” option and the customer may decide, based on his/her preference and input: • “ATM/POS/CNP” daily limits • Enable/disable ATM/POS/CNP channel • Enable/disable domestic/international usage for State Bank International Debit Cards INTERNET BANKING State Bank of India had introduced Internet Bank-ing Services in July 2001. Through its portal www.onlinesbi.com, Bank provides world class Internet Banking services to: Retail customers – Retail Internet Banking (RINB) for ‘P’ segment customers including NRI custom-ers.

Corporate Customers – Corporate Internet Bank-ing (CINB) for SME customers having business ac-counts with the Bank. The list of the banking services (financial and non-financial) offered to Retail customers through the Bank’s Internet Banking portal www.onlinesbi.com are as under; List of Non-Financial Services 1. View/Download/Print Account Statement (De-posit, Loan, PPF). 2. View Account summary. 3. Reprint Challan. 4. View Income Tax statement (Form 26AS). 5. Link Aadhaar Number. 6. Link LPG customer ID. 7. Online registration for PMSBY (Pradhan Mantri Suraksha Bima Yojana). 8. Online registration for PMJJBY (Pradhan Mantri Jeevan Jyoti Bima Yojana). 9. Online registration for APY (Atal Pension Yoja-na). 10. Change of Login Password. 11. View Loyalty Points under State Bank Re-wardz.


12. Windows App Registration for State Bank An-ywhere. 13. Offers. 14. Add Billers. 15. Delete Billers. 16. Modify Billers. 17. Approve Billers. 18. View Bills. 19. View payments history. 20. View deleted billers history. 21. Scheduling of Bills. 22. Find Transactions. 23. Interest Certificate on Deposit accounts. 24. Download Housing Loan Interest Certificate. 25. Download Education Loan Interest Certificate. 26. Download Housing Loan (Prov.) Interest Certif-icate. 27. Status Enquiry. 28. Scheduled Transactions. 29. Pension Slip. 30. Transaction Limit/Charges. 31. Reprint EPFO Challan. 32. Set Account Nick name. 33. View/modify personal details. 34. High Security Options. 35. Manage Accounts Display (hide/unhide). 36. Generation of Form 15G/H. 37. Enquire submission of form 15G/H status. 38. TDS enquiry. 39. TDS Account Linking. 40. Online Mobile Number Registration/Updation. 41. SMS alert registration/updation. 42. Request for issue of cheque book. 43. Online request for stop cheque payment (single/range of cheques). 44. Revocation of stop cheques instruction. 45. Online upgradation of access level. 46. Apply for opening PPF account. 47. Registration, De-registration of State Bank Freedom. 48. Locker availability search. 49. Update Buddy Wallet through KYC. 50. Enquire/Registration/Cancellation of Nomi-nation. 51. Sweep creation for CSA accounts. 52. ATM PIN Generation. 53. Block/Hotlist ATM card. 54. Activation of New ATM card. 55. Apply for New ATM card. 56. Set ATM Transaction limit (Cash withdraw-al/CNP).

57. Demat Services (Holding details, transaction statement, billing statement) 58. Generate challans/e-Receipts. 59. Add to Favourites. 60. Online Registration for Retail Internet Banking. 61. Online Resetting of Login Password and Profile Password. 62. Filing of Income tax returns. 63. SBG Group services (Register and view SBI MF and SBI Life details). 64. Lock User Access. List of Financial Services 1. Intrabank Fund Transfer. 2. Interbank Fund Transfer (NEFT/RTGS/GRPT). 3. IMPS Fund Transfer. 4. International Fund Transfer. 5. State Bank mCASH - Send money on contacts. 6. Power Jyoti Fee PUL Collection. 7. NPS contribution. 8. EPFO subscription. 9. Western Union Money Transfer (Receive Mon-ey). 10. Credit Card (VISA) Bill Payments. 11. Donation to Religious and Charitable institu-tions. 12. NRI e-Z Trade Funds Transfer. 13. Online request for Issue of Demand Draft. 14. Utility Bill Payments (Electricity, Water, Tele-phone) 15. Mobile Top Up & DTH Recharge. 16. SBI Life Insurance Premium payment. 17. Mutual Fund Purchases. 18. SBI General Insurance Premium payment. 19. Premium payments of other insurance com-panies. 20. Online creation and closure of e-TDR/e-STDR/e-MOD. 21. Online creation and closure of e-RD/e-Flexi Deposit. 22. Online creation and closure of e-Annuity De-posit. 23. Overdraft against Deposit accounts. 24. My Holiday Savings account. 25. Auto Sweep facility. 26. Online payment of State Govt. taxes. 27. Online payment of Direct taxes. 28. Online payment of Indirect taxes. 29. Setting of SI for periodical transfer of amount to other accounts. 30. Online request for closure of loan accounts.


31. Apply online for IPO (Equity). 32. Apply online for IPO (Debt). 33. NRE Services (Outward Remittance from NRE/FCNR (B)) 34. Request by NRE customers for Inward Remit-tance Disposal. 35. State Bank Virtual Card (Gener-ate/Cancel/view virtual card details). 36. Gift Card (Create/Top Up/View History). 37. Prepaid Cards (Register/Top up/De-Register/view prepaid card details). 38. SBI Exclusif. 39. Payment of various fees of Educational Institu-tions. 40. Online Ticketing (Booking of Rail/Flight/Bus tickets). 41. Trade in Shares (eZ-trade@SBI). 42. SBI FX Trade for trading in Currency futures. 43. Sweep Creation for CSA. 44. EMI for e-Commerce. 45. Top up Buddy. Eligibility: All individual customers satisfying Bank’s KYC norms, are eligible to register for Internet Banking facility.

For minors, the internet banking facility shall be made available as per the account opened under the specific product/variant (Pehla Kadam/Pehli Udaan). Minor accounts opened under product codes other than Pehla Kadam/Pehli Udaan can also be provided INB facility with View/Limited Transaction rights as opted by the account holder.

Jointly operated accounts are not eligible for INB facility. However, Joint Accounts with operational instructions as ‘Either or Survivor’ or ‘Anyone or Survivor’ or ‘Former or Survivor’ or ‘Latter or Survivor’ are eligible for INB facility.

PMJDY accounts opened under BSBDA (Basic Sav-ings Bank Deposit Account) are also eligible for Internet Banking facility.

Power of Attorney (PoA) holders provided the PoA specifically authorises the agent to operate the bank account through internet banking. (Refer e-Circular No. NBG/NBG-INB-INB/13/2012-13 dated January 11, 2013)

Visually Challenged customers are also eligible for availing INB services of the Bank. (Refer e-Circular

No.NBG/NBG-INB-INB/3/2013-14 dated August 8, 2013).

Types of accounts eligible for INB are Savings Bank (Including NRE), Savings Bank plus, Current Ac-count, Current Account (Over Draft), Maxgain Ac-counts, Term Loan account, Demand Loan ac-count, PPF account, Term Deposit accounts such as TDR,STDR,MODs and RD. (Illiterate customer not to be provided with the INB facility as he himself will not be able to use it and will have to depend upon third person to use the facility giving rise to additional risks of per-petuating frauds apart from risks of phish-ing/vishing which are applicable to all types of customers) Site for Internet Banking www.onlinesbi.com Site is verified by Veri sign & Secured by 256

bit encryption Site is maintained by Satyam / SIFY URL Address for Branch login:

http://192.168.25.52 PPK stands for Pre Printed Kit. A Packet con-

tains 100 PPKs. Each PPK has a unique 10 digit Number First Five Digit of PPK denotes Packet Number 6th & 7th Digit of PPK denotes Circle Code

(SBI Circle in which PPK will be issued) 8th & 9th Digit of PPK Denotes Serial Number

(ranging from 00 to 99) 10th Digit of PPK Denotes Checksum Number PPK is available for Retail Customers & Khata

Type Corporate Customers Three types of user rights facility is available

under RINB View rights only View and transaction rights Limited transactions rights Under Limited Transaction Rights, Customer

can use following features of INB i) Funds transfer within his/her own accounts ii) Opening of new deposit accounts under e-

TDR/e-STDR scheme. iii) Request for opening new accounts under

the same CIF through branch intervention ENHANCEMENTS/MODIFICATIONS The following enhancements/modifications

have been done in retail internet banking: (i) e-TDR/e-STDR for Senior Citizen with addi-

tional rate of interest:- The facility enabling

http://www.onlinesbi.com/

http://192.168.25.52/


senior citizens to open e-TDR/e-STDR with additional rate of interest through internet banking has been introduced. This enables our senior citizen customers to open e-TDR/e-STDR without visiting the Branch. The date of birth recorded in CBS is used for age calcula-tion and categorization of customer as senior citizen.

ii) Maturity Instructions Tenor for e-TDR/e-STDR:- The functionality has been developed. It allows an internet banking user to give any one of the following maturity instructions while making e-TDR/e-STDR: • Auto renew principal • Auto renew principal and repay interest • Repay principal and interest

(iii)e-RD for Limited Transaction Rights Us-ers:- The facility for online opening of RD ac-counts has been extended to internet banking users with Limited Transaction Rights.

(iv) Removal of Term Deposit Account and Recurring Deposit Account option from opening of accounts through MIT:- The option for opening term deposit account and recurring deposit account through manual intervention has been removed . This has been done as the functionality of making e-TDR/e-STDR/e-RD is fully operational and has gained popularity among internet banking users.

(v) Maximum Limit for creation of e-TDR/e-STDR:- The maximum limit for creation of e-TDR/e-STDR has been increased from Rs.10 lacs to Rs.25 lacs. Minor can also be given INB Facili-ty Only with View rights.

Internet banking facility for the visually chal-lenged is introduced in January, 2010 and available to such customer. No additional un-dertaking should be taken from them for pro-viding INB facility. The following internet banking services are available to visually chal-lenged customers from the above URL: I. En-quiry of balances and transactions. II. Genera-tion and downloading of statement of ac-counts III. Transfer of funds within own ac-counts linked under the username of visually challenged customer IV.

MIT stands for Manual Intervention Transac-tions (Transactions for which requests re-ceived from the customer are placed in CBS by the INB system)

Services where No Manual Intervention is re-quired- i)Balance Enquiry ii) Account State-ment iii)Fund Transfer to Self Accounts iv)Third Party Fund Transfer v) Inter Bank Payee Fund Transfer vi) PPF transfer vii) E-Tax Payment viii) E-ticketing ix) Bill Payments x) Visa Money Transfer xi) Making Donations xii) eZ Trade xiii) Setting up Standing Instruction xiv) Issuance of Cheque Book xv) TDS related enquiry xvi) DEMAT Enquiry xvii) Online Appli-cation for IPO xviii) Opening of eTDR/eSTDR

Services where Manual Intervention is re-quired- i) Opening of new account (Savings, Current) ii) Issue of Draft iv) deposit renewal v) closure of loan account

IRATA- INB Request Approval Through ATM-Following requests now may be approved through ATM instead of visiting the branch-

(i) Immediate activation of third party and availing full third party transfer limit of Rs.10 lacs instantly (Instead of a cooling period of 4 days from the normal limit Rs.1,00,000/-) (ii) Resetting of login password in the event when the customer has forgotten the profile password. (iii)Unlock User Access DD Through INB request: Time Norms: By Hand (OTC)-10 Minutes, By Courier- Same Day, not later than 3 working days.

e-RD 1.No manual intervention required by branches for opening / closure of recurring deposit account under (e-RD). 2. Domestic, NRE & NRO customers & Staff mem-bers can avail this facility. 3. The online opening / closure facility through e-RD available between 08:00 HRS IST and 20:00 HRS IST. Requests received for e-RD creation /closure beyond this period will be scheduled for next opening hours, if user opts for the same. 4. The RD a/c in INR will be opened in the same name(s) and mode of operation as in the debit a/c from which first installment of e-RD a/c is paid. The customer can select the debit a/c as per his/her choice at the time of opening e-RD, if he/she has more than one transactional accounts mapped to his/her username. 5. The period and minimum amount limit of e-RD will same as mentioned for RD product code in CBS.


6. e-RD will create recurring deposit a/c .In the-same session, setting up SI possible. The SI created through this process is cancelled auto-matically on online closure / Premature closure of e-RD The SI created (Sepa-rately through Internet Banking or through Branch) will need to be cancelled by the custom-er/Branch. 7. Passbook for e-RD accounts will not be gener-ated online. Customers can print statement of e-RD account through IN Banking/home branch, if they need a passbook for their e-RD accounts. 8. For enquiring current deposit interest rates, a hyperlink of our corporate web-site (www.sbi.co.in/ www.statebankofindia.com) has been provided on e-RD request page, 9. Senior citizens (Public & Staff) will not be able to avail privileged rate of interest facility in e-RD. the branch. 10. Benefit of interest rate to staff will be availa-ble only if the debit a/c is categorized as staff ac-count in Core & INB database. 11. The e-RD details will contain the e-RD a/c no., debit a/c no. from which the e-RD a/c is funded, period selected by customer, Interest rate and maturity date. The RD accounts not opened through e-RD, can-not be closed online through “Close a/c” tab un-der “e-RD”. 12. The nominee of the selected debit a/c will be retained to e-RD account, if the customer opts for the same. Home branch can set the new nomi-nee(s) on the request of customer after receiving appropriate documents from him/her. 13. Instructions/ rules/guidelines for normal RD account will mutatis mutandis be applicable for e-RD accounts also. Profile Password is needed to access all links

under profile tab. It is created at the time of First Login.

INTERNET BANKING : ELECTRONIC BILL PAYMENT FACILITY INTRODUCTION OF SBI INSTAPAY SER-VICE‘SBI-Insta Pay’ has been introduced in ‘onli-nesbi.com’ The salient features of this product are as under: i) Prior registration with the biller is not re-quired.ii) The customer can make the payment by debit to his account in SBI.iii) A wide variety of billers like electricity and other utility bills, pre-paid / post-paid mobile phones, insurance pre-

mium, credit card, DTH and donations are availa-ble. OD Facility- Now RINB customers can avail OD

against their TDR/STDR online between 8am to 8 pm.

A customer can change his/her mobile num-ber in INB as well as CBS through INB with the help of ATM Card details and Contact Centre without visiting the branch

Corporate Internet Banking has four variants- KHATA, KHATA PLUS, VYAPAR & VISTAAR.

KHATA- Enquiry Only / used for enquiry on all accounts at one branch

KHATA PLUS- Enquiry Only/ used for enquiry on all accounts at various branches across the country

VYAPAR- Enquiry & transaction / for corpo-rate maintaining account at any one SBI Branch. Single Transaction Limit Rs 50.00 Lakh without day cap. Permitted Transactions - Fund Transfer/Third Party Payment/ Inter Bank Payment/Draft Issue/Payment to Regis-tered Suppliers/ E-Tax.

VISTAAR- (Complete range of online transac-tions for corporate maintaining account at multiple branches of SBI) TP Fund Transfer up-to Rs 500.00 Crore per transaction without day cap/ request for issue of Demand Draft - Rs 1.00 crore per transaction/ No limit on No of Transaction.

Permitted Transaction: Fund Transfer/Third Party Payment/Inter Bank Payment/Draft Is-sue/Payment to Registered Suppliers/Bulk Upload Facility/E-Tax/DGFT Pay-ments/Customs Payments/ Excise Duty Pay-ments.

SARAL- A simplified single user interface with functional and security features similar to Re-tail Internet Banking facility called “CINB Sar-al” has been launched. CINB ‘Saral’ will facili-tate penetration of CINB among a larger sec-tion of SME customers and micro enterprises as the facility is single user based, operated on the lines of RINB and hence highly user friendly.

RETAIL INTERNET BANKING (RINB) ONLINE FOR-EIGN OUTWARD REMITTANCE PROJECT ‘rem-Xout’ (e-cir:520/2012-13 dt:28/08/2012) The product will be initially available to the RINB users of Metro-Urban Branches. Remittance will

http://www.sbi.co.in/%20www.statebankofindia.com


be permitted in USD, EUR and GBP. Remittance will initially be restricted to the following 11 coun-tries : (UK, USA, Australia, New Zealand, France, Germany, Japan, Canada, Singapore, South Africa and Hongkong) A user can make upto 4 remit-tances in a calendar month. A commission of USD10 in INR equivalent would be charged for each remittance. The GMU, Kolkata, will share the commission with the Branches in the ratio of 80:20 on the INR equivalent of commission recov-ered. No commission would be recovered from staff and Bank’s pensioners. The security features and limits applicable for third party transfer in INR will be applicable muta-tis mutandis to Forex remittances also, i.e., (a) Only one third party foreign beneficiary would be added in a calendar day. (b) The beneficiary would be activated on the next day, after a cool-ing period, during which SMSes will be sent at pe-riodic intervals to the user. (c) The aggregate fund transfer limit for the newly added beneficiary will be equivalent to forex value of Rs.50,000/- for the first five days. A user can add upto seven benefi-ciaries for making outward remittances. A new registration process has been developed for INB registration for new user- User Driven Reg-istration Process for Internet Banking (URIB) Process: 1. Customer will apply online, create his temporary username, password and generate reg-istration form containing a ‘Ref. No.’. 2. The registration form, duly signed, will be submitted by the customer at his home branch in person or by post/courier. 3. Branch would scrutinize the registration form and complete the registration process by input-ting the Ref. No. printed on the application form against the ‘Internet Banking Kit No.’ field in CBS screen. Customer can login after 1 hour with the user-name and password already created by him. (e-circ 1386/2013-14). Now CBS sends INC and CAM files regarding customer data to INB every 30 mi-nutes during the day from 9.00 am to 8.00 pm. Internet Banking Request Approval through

ATM (IRATA)- Functionality to approve follow-ing INB request

(i) Immediate activation of third party and availing full third party transfer limit of Rs.5 lacs instantly

(Instead of a cooling period of 5 days from the normal limit Rs.50,000/-) (ii) Resetting of login password in the event when the customer has forgotten the profile password. (iii)Unlock User Access SBI ANYWHERE- An app meant for using INB in mobile phone. Internet connectivity is required. Special feature- ePassbook. INTERNET BANKING: GIFT CARD ONLINE PURCHASE FACILITY FOR RETAIL INB CUSTOMERS (e-cir 1396 dt 11/02/2016) The bank has introduced following Image based gift cards for various occasions:- i. Anniversary Gift card ii. Birthday Gift card iii. Christmas Gift card iv. Congratulation Gift card v. Diwali Gift card vi. Durga Puja Gift card vii. Id Mubarak Gift card viii. Silver Jubilee wishes Gift card ix. New year Gift card The steps involved in the activity are as under:- a) Customers, having Retail Internet Banking facili-ty with transaction right will be able to request for Image Based Gift Card. b) The applicant provides his/ her details, benefi-ciary details, address to which the card will be sent and select the Image. One time password is sent to INB customer for issuance. c) Information is sent to prepaid host for processing the request. d) Image Based Gift Card is created and sent to customer as ‘0’ value card along with the PIN Mai-ler. e) On receipt of the card, customer logs into Onli-neSBI and loads (one-time only) the card. SMS based one-time password (mandatory) is sent to applicant’s registered mobile number and after debiting customer’s account the information for top up is sent to Prepaid Host.


f) Status of the card and value of top up can be seen from ‘enquiry’ tab.

MOBILE BANKING Brand Name- State Bank FreedoM. MBS available to satisfactory running Current

/ Savings Account holders of P segment & SME customers (CC and CA).(For SME cus-tomers only enquiry right of their last 5 trans-actions).

It can be availed over: A) SMS Platform B) USSD (Unstructured Supplementary Data-Services) C) Wireless Application Protocol, and D) Application Based

Functionalities available under C) & D)- Balance Enquiry / Mini Statement (Last 5 Txns) / Fund Transfer (To accounts with SBI & other Banks) / Cheque Book Issue / Bill pay-ment (Telephone Bill, LIC & SBI Life Premium, SBI Credit Card Bill, etc) / Mobile Top Up / M Commerce / Online enquiry of DEMAT Ac-counts

Maximum Daily Limit-Self A/c- Rs 99.99 Lakhs, 3rd party A/c- Rs 50,000/-,Industry Major tie ups for Dealer Payment Collections- Rs 15 Lakhs (Calendar Month Cap- Removed)

SMS Mobile banking/USSD transaction- re-stricted up to daily limit of Rs.5,000/-with a calendar month limit of Rs.25,000/-as per RBI directives.

MBS on SMS/USSD platform -available on any Mobile Handsets

Application software is installed in user’s Mobile. It can be downloaded from SBI’s web-

site www.sbi.co.in under link services > mo-bile banking.

On all platform User ID & MPIN is obtained by sending an SMS <MBSREG> to 567676/9223440000.

The customer is required to accept terms and conditions of the services by sending a SMS to 9223440000 as <saccept><userID><Mpin>

For Change Mpin <Smpin><UserId><Old Mpin><New Mpin>

Balance of account <Sbal><UserId><Mpin> Mini statement of account

<Smin><UserId><Mpin> Mobile Top-up <Sto-

pup><UserId><Mpin><telecom operator of

beneficiary Mobile><Mob no of beneficiary ><Amount>

DTH recharge <Sdth><UserId><Mpin><Service Provider><DTH serial number><amount>

IMPS fund transfer <IMPS><Mobile No><MMID><amount><User ID><MPIN><Purpose(optional field- up to 20 char-Alpha numeric)>

Transaction processed through SMS or GPRS GPRS is cheaper as compared to SMS Mode Registration of service either through ATM,

GCC (Green Channel Counter) ,INB, SSK or at the Branch

Only one Account enabled through ATM Maximum 5 Accounts can be enabled for P

Seg. customers and only 1 accounts for non P-Segment customers.

End to End security using 128 bit AES encryp-tion

MBS over WAP – available on all mobile phones (Java/non java) with GPRS Connectivi-ty.

Installation of software not required. Used through browsing Verisign certified se-

curedsite. https://mobile.onlinesbi.com/sbiwap

In addition to User ID & MPIN, WAP Login ID is also provided

MBS over USSD- available to all types of mo-bile phones.

Features- Balance Enquiry / Mini Statement (Last 5 Transactions) / Fund Transfer to SBI Accounts only / Mobile Top Up

Maximum Daily Transaction per Customer for Fund Transfer & Mobile Top up Rs 5000/- within an overall Calendar Month Limit of Rs 25000/-

User ID & MPIN is obtained in the same process.

Subscribers can Dial *595#, *99# to access the MBS facility over USSD.

In all cases, MPIN is required to be changed before registering the services.

Branches can now lodge re-quests/issues/complaints relating to MBS transactions at State Bank Group Service Desk.

MBS Complaint Redressal System- Financial request- to be sent to GITC by e-mail ([email protected]), Non financial request to be lodged through Service Desk.

http://www.sbi.co.in/


STATE BANK BUDDY – MOBILE WALLET Mobile Wallet services in collaboration with Ac-centure and MasterCard. The target customers for State Bank Buddy include the young generation or GenNext, who are tech savvy, those who want to make payments with ease and on the go and also individuals who are hesitant to expose the entire balance on their accounts while using digital channels for payment. Buddy mobile wallet is available in 13 languages on Android an iOS. After downloading, it has to be registered using mobile number or Facebook cre-dentials. To use the wallet, money has to be loaded using debit cards/net banking/IMPS cre-dentials of account with any Bank. User can ask/ send money, recharge and pay bills, and use facili-ties like shopping, movies, flight tickets, hotels etc. Limits of Buddy are as follows: Max Balance- Rs. 20,000/-(NIL KYC), Rs.50,000/-(Full KYC), Total TOP up through any channel per txn- Rs. 20,000/-(NIL KYC), Rs.10,000/-(Full KYC), Total Reload in a month-Rs.20,000/-(NIL KYC), Rs.50,000/-(Full KYC)

RTGS & NEFT RTGS – Real Time Gross Settlement : This is a

system where the processing of funds transfer instructions takes place at the time they are received (real time). Also the settlement of funds transfer instructions occurs individually on an instruction by instruction basis (gross settlement). RTGS is the fastest possible interbank money transfer facility available through secure banking channels in India

NEFT- National Electronic Fund Transfer : This system of fund transfer operates on a Deferred Net Settlement basis. Fund transfer transactions are settled in batches as opposed to the continuous, individual settlement in RTGS. Presently, NEFT operates in hourly batches from 8 am to 7 pm on week days.

Nationwide Fund transfer system maintained by RBI for enabling transfer of funds from re-mitter’s account in a particular bank to the beneficiary’s account in another bank any-where in the country.

Banks can only originate credit transactions RTGS- Used for high Value remittances of Rs

2.00 Lakh & above / Transactions processed & settled on Real Time Basis / Transactions set-

tled individually & continuously on a transac-tion by transaction basis / Remittance sent in rounded off rupees.

NEFT- For Retail Remittances/No minimum stipulated transaction amount/Operates on Deferred Net Settlement (DNS) basis/Settled in batches- 6 times a day/Can be sent inclu-sive of paisa component

RTGS Transaction Types: a) R-41 (Customer to Customer) b) R-42 (Bank to Bank) RBI has decided to levy the following charges

on the member banks for all outward RTGS transactions like Membership fee (Per month),Transaction fee (Per month),Time va-rying tariff (Varies on the time of settlement at RBI).

From 01/09/2015, timings for RTGS/NEFT: RTGS - On all working days including working Sat-urday (Excluding Sundays / Holidays / 2nd and 4th Saturdays) Customer Transaction- Open for Business : 08:00 hours Cut-off time : 16:30 hours Inter-Bank Transaction- Open for Business : 08:00 hours Cut-off time : 19:45 hours NEFT- On all working days including working Sat-urday (Excluding Sundays / Holidays / 2nd and 4th Saturdays) Customer Transaction – Open for Business : 08:00 hours Cut-off time : 19:00 hours 12 settlements on weekdays - at 08:00, 09:00, 10:00, 11:00, 12:00, 13:00, 14:00, 15:00, 16:00, 17:00, 18:00 and 19:00 hrs. Time gap for credit to customers: Beneficiary

bank to afford credit to beneficiary customer within 30 minutes of receiving message. In case of delay, interest to be paid at current repo rate + 2%. (e Cir 826/2013-14)

Time Gap for return of messages: Within 1 hour of receipt of message at MI. In case of delay, interest to be paid at current repo + 2%. Data to be maintained for at least 10 years.

Govt Transaction (NEW): Available (Additional Fields are kept in ISO message but not mapped in Converter) Challans are still a pre-requisite for Govt. Treasuries. RBI’s extant in-struction should continue.


IFSC- Indian Financial System Code- It is an alpha numeric code allotted to all RTGS/NEFT enabled branches. It is of 11 characters.

In our Bank, “IFSC” is designed as SBIN000BBBB

IFS code is available at http://10.0.1.183/ or

“For Bankers” link at http://www.rbi.org.in Every Message released by a bank to RBI is

assigned a Unique Transaction Reference (UTR)

Inward- NIL State Bank Group Payment Transfer (SBGRPT) Applicable to fund transfer between SBI &

Associate banks Menu in CBS Inter Bank Transfers >> SBGRPT >> Create

Outgoing Message. Data Entry Screen is similar to the NEFT

screen SBGRPT transactions are closed at 4:30 PM on

weekdays and at 1:00 PM on Saturdays. Thereafter the net funds (receivable/payable)

are settled between the Banks through RTGS (R 42) on the net balance available in the Payment Settlement Accounts of the Asso-ciate Banks as at the end of the day.

Other terms & conditions are as applicable to RTGS/NEFT

STATE BANK COLLECT The generic e-Payment module ‘i-Collect’ was launched during November, 2010 to provide a fast and convenient mode for online collection of funds for Corporate/Firms/Institution customers. With addition of various payment modes it has been converted into a multi-option payment sys-tem (MOPS) and the name changed to ‘State Bank Collect’. All the branches have been enabled for providing this product. While extending the prod-uct to firms/ corporate/institutes, branches should ensure that there is no reputational or le-gal risk to the Bank.

IPv6 Policy An IPv6 policy document called “National IPv6 Deployment Roadmap” for migration from the existing IPv4 (Internet Protocol version 4) to IPv6 (version 6) by all stakeholders in the Government and private sector. According to this policy, all Central and State Government ministries and de-

partments, including PSUs, shall start using IPv6 services by March 2012, as the current version of the Internet Protocol (IPv4) has almost run out of addresses. IPv6 has a number of improvements over IPv4, the primary difference being IPv6 uses 128-bit addresses as compared to the 32-bit ad-dresses used by IPv4, and allows for more IP ad-dresses than are available with IPv4. A directive has, therefore, been issued by the Government to all organizations, including banks, to bring their websites on “dual stack” (both on IPv4 and IPv6) on priority, latest by December 2012. The Gov-ernment have also directed that all payment gateways should also be IPv6-ready by December 2012.(e-cir:678/2012-13 dt:06/10/2012)

The Department of Financial Services, Ministry of Finance, Government of India, have now directed that: i. Government organizations should prepare a de-tailed transition plan, by December, 2013, for complete transition to IPv6 (dual stack) by De-cember, 2017, based on the network complexity and equipment/technological life cycles. ii. Government organizations should procure equipment which are also IPv6 ready (Dual Stack) and go for deployment of IPv6 ready (Dual Stack) networks with end to end IPv6 supported applica-tions. The equipment should be either TEC certi-fied or IPv6 ready Logo certified. (e-Cir 753/ 2013-14) CASH DEPOSIT MACHINE (CDM) Cash Deposit Machine is a 'cash-in' kiosk that al-lows a customer to deposit loose bank notes. Our customers who own any variant of SBI ATM-cum-Debit Card and SME Insta Deposit Cards are al-lowed to deposit the cash to their mapped ac-count(s). The deposit of Cash is through a bunch of loose notes upto a maximum of 200 pieces at any one instance (50 pieces in case of HCL manu-factured CDMs), which the machine scans for ge-nuineness (quality) and counts Note piece by piece (quantity). The customer can deposit upto a maximum of Rs.49900/- per transaction. The machine is enabled for acceptance of cash with denominations of Rs.1000/-, Rs.500/- and Rs.100/- notes only.

http://10.0.1.183/

http://www.rbi.org.in/


GREEN CHANNEL COUNTER Green Channel Counters(GCC) an Cash Deposit Machines (CDM) are innovative channels intro-duced by the Bank towards changing the beha-vioural pattern of our customers from traditional way of paper based banking to card based 'Green Banking' focusing on reduction in paper usage as well as saving transaction time. Incidentally, these initiatives save paper, time and resources. As of now, four types of transactions have been enabled through GCC viz. Cash Deposits, Cash Withdrawals, Funds Transfer, and Registration for Mobile Banking Service. The maximum transaction amount has been fixed as Rs 40,000/-. In case of CDM, cash can be depo-sited up to Rs. 2,00,000/- at any one instance. Customers can use the GCC and CDM without waiting in queues and without taking the tokens. They may simply walk to the GCC counter / CDMs, swipe their Debit cards and execute the transac-tion also. Normal branch banking transactions take 4 to 5 minutes for completion, a transaction routed through the GCC / CDM takes less than a minute. GCC and CDM are endeavors to offer ease of transactions to all customers especially senior citi-zens. Moreover, as these facilities do not require / generate any vouchers. There is no pressure on the operating staff at the branches for VVR check-ing. (e-cir:525/2012-13 dt:30/08/2012) Standalone Functionality- Funds Transfer and Mobile Registration Transactions through this model are pass through i.e. they do not need ap-proval of SWO. Cash Transactions through GCC machine configured in this fashion will generate a unique reference number for the customer while adding the transaction for approval in a separate queue that is accessible to all SWOs in the branch. Any SWO of the branch can view and approve the transaction on receipt of the reference number slip from the customer.

STATE BANK SME INSTA DEPOSIT CARD (SMEIDC) ENABLED FOR CASH DEPOSIT THROUGH GCC AND CDM In addition to cash deposit through Cash Deposit Machines, this card has been now enabled for cash deposit through Green Channel Counters also.(e-cir:519/2012-13 dt:28/08/2012)

User type involved in the Cash module: Vault Custodian – User Type “50. Cash Officer - User Type “60 Teller - User Type “1 Joint custodians are to ensure at close of day that: The balance of cash as per the Vault Register =The balance of cash as per Accountant’s Cash Drawer =The balance of cash as per Branch Cash Balance Account 98903BBBBBC =The physical cash in the Vault. Note: Wherever cash box system is enabled, the cash kept overnight in the cash box is accounted in BGL98912BBBBBC. In such branches, it is to be ensured that the branch closing cash balance is equal to balance in BGL98903BBBBBC plus BGL98912BBBBBC. The Bank has launched “State Bank Business Debit Card” in two variants, “State Bank Pride” and “State Bank Premium” on MasterCard and Visa platforms on the occasion of Bank Day’2012.(e-cir:320/2012-13 dt:04/07/2012)

Features Pride Premium

Cash Deposit-per CDM txn limit

Rs. 2,00,000/- Rs. 2,00,000/-

Cash Deposit-per GCC txn limit

Rs. 40,000 Rs. 40,000

Daily limits- Cash withdrawal

Rs. 1,00,000 Rs. 2,00,000

Daily limit- pur-chases

Rs. 2,00,000 Rs. 5,00,000

Personal Accident Insurance

Rs. 2,00,000 Rs. 5,00,000

Issuance Fees NIL NIL

Annual card fees Rs. 300 Rs. 300

Eligibility

All non per-sonal current account hold-ers

CA with bal-ances >= Rs. 5,00,000

it has since been enabled in Core Banking to issue Business Debit Card to jointly operated Current Accounts of Partnerships or Companies subject to meticulous compliance of the certain clauses de-tailed in e-cir:729/2013-14 dt.30th Nov’2013 GREEN REMIT CARD


A non personal card to facilitate non home cash remitters. May be used at GCC counters and CDMs. Issuance on the basis of one photo and an ID proof. Any be issued to customer/ non cus-tomer. Issuing charge- Rs20/-. Maximum Rs 25000/- per transaction and Rs 1,00,000/- per month may be remitted. STATE BANK SMART PAY OUT CARD Prepaid Card for KYC compliant employees of cor-porate and individuals, Min Load-100/-, Max load-10,000/-Validity- 10 years, reloadable with a cap of Rs 10,000/- per load, Rs 25,000/- max in a month. May be used for Cash Withdrawal, POS tr and Merchant Tr. XPRESS COLLECT CARD Similar to GRC, a simple, non personalized, non pin based magstripe card for cash deposit only, works on GCC and CDM for entities (other than individual). Deposit Limit- For cardholders with proper PAN details- Rs. 40,000/- per transaction on GCC, Rs. 49,900/- per transaction on CDM, No monthly limit For cardholders without proper PAN details- Rs. 49,900/- per day on GCC, Rs. 49,900/- per day on CDM, No monthly limit Card Issuance Fee: Rs. 30/- per card Transaction Charges through GCC: Rs. 2/- per Rs. 1000/-, minimum Rs. 50/- (CBS charges) Transaction Charges through CDM: Rs. 30/- flat Deposited money will be credited to Company’s account instantaneously. SBI QUICK MISSED CALL BANKING-a new service from the Bank which involves Banking by giving a Missed Call or sending an SMS with pre-defined keywords to pre-defined mobile numbers. Available for SB/CA/Overdraft/Cash-credit accounts. Facilities :

i) Balance Inquiry of registered account ii) Mini Statement of registered account iii) Blocking of ATM Card iv) Car/Home Loan features enquiry

Registration- SMS, ‘REG(space)account number' to 09223488888. e.g. REG 12345678901

Balance Enquiry: give a Missed Call or send an SMS ‘BAL' to 09223766666 Mini Statement: give a Missed Call or send an SMS ‘MSTMT' to 09223866666 Blocking ATM Card: SMS ‘BLOCK(space)XXXX' to 567676 (XXXX represents last 4 digit of the card number). Loan Enquiry : SMS ‘HOME' or ‘CAR' to 09223588888 De-Registration : SMS ‘DREG(space) Account Number' to 09223488888 STATE BANK mCASH A facility ‘State Bank mCASH’ for enabling cus-tomers to send small value remittances to benefi-ciaries via contacts i.e. mobile number and email ID has been implemented by the bank customers can send through Internet Banking, small value remittances upto Rs.1,101/- per transaction with per day limit of Rs.2,202/- and monthly limit of Rs.5,101/- to a third party without registration of beneficiary by entering or populating from con-tact list, the mobile number or email-ID of the beneficiary. State Bank Virtual Card State Bank Virtual Card, also known as Electronic Card or e-Card, is a prepaid card, in association with Visa, which can be created using the State Bank internet banking facility for ecommerce (on-line) transactions only. It provides an easy and secure way of transacting online without provid-ing the Primary Card/ Account information to the merchant. Available to all INB customers with transaction rights. Virtual Cards can be used at any merchant loca-tion accepting MasterCard / Visa Cards online, without any difference from a regular plastic Card. Card Type : Visa, Eligibility : All INB Customers with Transaction Rights having PAN registered with the Bank can avail this facility. Min/Max amount of issue : Rs100/- and Rs 50,000/-, Frequency of usage (Single / Multi) : Single trans-action Card Validity : As soon as the transaction is com-pleted,Or If the card is cancelled. Or Card is not used for 48 hours after creation. (Whichever is earlier.)


Domestic use, acceptable at any merchant outlet that has facility for Online Purchase, No charge, Number of cards per customer per day- No limit. MISC Central Data Centre (CDC) is located at Bela-

pur, Navi Mumbai Disaster Recovery Site is located at Chennai Front end software used in CBS- Bancslink

(Current Version- 2.9.5) Posting of Transaction at CDC- Bancs 24 soft-

ware- Procured from FNS Australia System Integrator- TCS FNS Taken Over by TCS Corporate General Ledger (CGL) - Finance one

– Vendor- Comlink USA Trade Finance Software- CS Eximbills – Vendor

– China Systems, Taiwan Overseas Branches- Finacle- Vendor- Infosys OFSA- Oracle Financial Services Application

Suite- Provides a platform for Asset Liability Management

Treasury Management Solution- Procured from Reuters/Unisys

our bank has entered into an agreement with Thomas Cook India Ltd (TCIL) a Principal Agent for MoneyGram. Under the arrangement, our Branches will payout inward remittances to the public, for the funds remitted from abroad using MoneyGram services. This amount will be reimbursed by the Thomas Cook, a principal agent of MoneyGram. Our Bank is already offering similar services under Western Union Money Transfer; hence the operational guidelines are similar.(e-cir:516/2013-14)

MOTO TRANSACTIONS (e-cir 1197 dt 30/12/15) A MOTO transaction is such transaction where a cardholder / card need not be physically present at the time of transaction on PoS terminal. Essen-tially, segregating such transactions as Card-Not-Present (CNP). b) The merchant may or may not take explicit consent (such as signature, card imprint etc) from a cardholder in manual key entry transactions. Therefore, in majority of cases, an issuer has an automatic chargeback right for card-not-present

transactions in absence of cardholder’s signature or card imprint to prove cardholder’s approval of the transaction. c) The merchant may forcefully obtain authoriza-tion for transaction by keying in wrong card num-bers. State Bank Debit Cards : sbiINTOUCH Tap & Go Debit Card (The contactless Debit Card) e-cir 1341 dt 02/02/2016) Bank launched sbiINTOUCH Tap & Go Debit Card in the month of May 2015. This card has a con-tactless feature which empowers a customer to make contactless payments at all merchant loca-tions where contactless payments are accepted. A customer can make electronic payments by just waving the contactless card near the PoS terminal without any need for dipping or swiping the Card on PoS, thereby the Debit card will not leave the hands of the customer. These cards work on the Near Field Communica-tion (NFC) technology and are secure with EMV contactless standard. As contactless transactions require significantly less time compared to tradi-tional card based transactions, these cards en-hances the customer convenience, while at the same time enabling the merchants to process payments faster. The initiative has been launched by the Bank with a view to boost small ticket transactions i.e. transactions at supermarkets, quick service res-taurants and fuel outlets. Salient features of this Card are as under: I. No PIN required if contactless transaction is up to Rs.2000/- per transaction. However, for trans-actions above Rs.2000/- , PIN will be required and immediately prompted on the terminals. II. The Card will work as a regular CHIP based De-bit Card and can be used for any contact payment at PoS or for online transactions in the same manner as the existing Debit cards. III. Per day limit for all Contactless transactions is Rs.10, 000/-.


Enterprise Wide Loyalty Programme (EWLP) - State Bank Rewardz (e-cir 1437 dt 23/02/2016) With a view to encourage our customers to use more digital channels and avail of more products from us, the scope of the programme has been enhanced significantly and the Debit Card Loyalty Programme (Freedom Rewards) has been up-graded into Enterprise Wide Loyalty Programme named as ‘State Bank Rewardz’ for the State Bank Group. Under the scheme,in addition to use of Debit Card, Reward Points are now being given to the customers for use of various bank products and for their desired behaviours, which are bene-ficial for them as well as for the Bank, such as use of internet banking, mobile banking, cross selling, keeping CASA balances etc., The customers have a very wide variety of options to choose from, for redemption of points such as SBI Gift Card, mobile recharge, DTH recharge, movie tickets, various electronic goods, apparel, other merchandise, bus tickets, flight tickets etc. If the customer wishes to select an item with value more than the value of his accumulated points, this is also possible: he can make the payment partially by redeeming his loyalty points and by paying remaining amount by his Debit Card. The notional value of one Loyalty point is equiva-lent to Re. 0.25 (twenty five paise). Further, these Loyalty Points expire after 36 month from the date of accrual. PREPAID CARDS: COMPLAINT RESOLUTION ME-CHANISM (e-cir 1481 dt 03/03/2016) The Bank has introduced Prepaid Category in Ser-vice Desk w.e.f. 06th August’ 2015. Hence all the complaints received at Branch are compulsorily to be routed through Service Desk. The customers may continue to lodge the request through CMS/emails. Prepaid card project related complaints/request are to be lodged under the category SBG Prepaid Card Project. The following sub-categories are created under this category. • Achiever Card Activation • Application Related Issues • Card Dispatch Status

• Card Load/Re load Status • Disputed/Unsettled Transaction • Duplicate PIN (Staff Achiever Card Only) • File upload Issue (Screen Shot Mandatory) • FTC Related Issue (Screen Shot Mandatory) • Replacement Card (staff Achievers Card Only) • Single Sign-on Login Issue (STANDARD OPERATING PROCESS FOR CUSTOM-ER COMPLAINTS RELATING TO RUPEE PREPAID CARDS AND FOREIGN TRAVEL CARDS ON VISA PLATFORM has been given in e-cir no 326 dt 08/06/2016) ATM-CUM-DEBIT CARD GENERATION OF GREEN PIN (e-cir 321 dt 08/06/2016) Revised Instructions: Card PIN/REPIN can be generated by the card-holder without visiting the branch using SMS, IVRS or INB. The Green Pin can only be used for performing a PIN change transaction. Such a transaction must be performed only at a State Bank Group (SBG) ATM. Financial and non-financial transactions can be done only after changing the PIN at any of the SBG ATMs. (A) PIN Generation- Through SMS Customer has to SEND SMS as per below format to 567676 from his Registered Mobile Number (RMN): PIN CCCC AAAA Where, CCCC is last four digits of card number and AAAA is last four digits of account number One Time PIN (OTP) will be sent to customer’s registered mobile number. OTP remains valid for 2 days and customer must perform PIN change transaction on any STATE BANK GROUP ATM (Banking> PIN Change) during this period. Example: A card holder having a card ending with xxxx1234 and account ending with xxxx9876 should send SMS as: PIN 1234 9876 (B) PIN Generation-Through IVRS Customer to call Contact Centre from registered mobile number. Customer has to enter card num-


ber and account number. One Time PIN (OTP) will be sent to registered mobile (RMN). OTP is valid for 2 days and cardholder must change the PIN on any STATE BANK GROUP ATM (Banking> PIN Change) during the validity period. (C) PIN Generation-Through INB Customer has to login into https://onlinesbi.com/ Go to e-Services ->ATM card services -> ATM PIN Generation. Using OTP or profile password, get authenticated Select the account Select the card Enter first two digits of his desired PIN Enter first two digits created by him followed by two digits sent to him through SMS (D) PIN Generation- Through SBI ATM Machines Visit any SBI ATM Click on ‘PIN generation option’ which can be found at bottom right corner of the ATM screen Enter your Account number Enter your registered mobile number Confirm the Mobile number again OTP will be sent on your registered mobile num-ber. Use the OTP to change the ATM card PIN within 24 hours. PREPAID CARDS; REVISED BREAKAGE POLICY (e-cir 331 dt 10/06/2016) Revision in the appropriation of balances in ex-pired rupee prepaid cards with effect from 31.03.2016. After expiry of prepaid cards (all variants) the un-utilized balances up to Rs.500/- shall lapse to the Bank and Card will be closed. In case balance in the rupee prepaid cards is above Rs.500/-, after expiry, an annual mainten-ance charge of Rs.100/- will be recovered each year from the unused balance lying on the expired cards. In case a customer claims reimbursement after validity of the Card has expired the balance less Rs.100/- per year will be refunded to the purchas-er in case of Gift Cards and to the beneficiary

Cardholder in case of other prepaid cards on de-mand. CUSTOMER ONE VIEW (COV) e-cir 341 dt 14/06/2016. Integrated Data Strategy, Processing and Man-agement (IDSPM, erstwhile EDWP) department has developed Customer One View (COV) Data Mart, after consolidating the data sourced from Bank’s CBS and Subsidiaries i.e. SBI Credit Card, SBI Demat, SBI Mutual Fund, SBI Life, SBI General and SBI Life Insurance. In COV Data Mart, custom-er’s portfolio summary including his/her exposure in above mentioned business line is prepared and it is augmented with derived information like Cus-tomer profitability, Customer Risk Grade, Cus-tomer Score are stamped to make customer summary more rich and informative. INSTANT MONEY TRANSFER (CARD LESS WITH-DRAWAL FACILITY FROM ATMs) (e-cir 525 dt 20/07/2016) SALIENT FEATURES A customer can instantly transfer rupee funds to anybody anywhere anytime in India. Only the beneficiary’s mobile number, name and address with PIN code are required to be known to the sender. A one-time mapping of the sender with the bene-ficiary is carried out by the system. Hence, the sender need not provide the name and address for recurring payments. The beneficiary can withdraw money from State Bank Group ATMs to begin with, without using a Debit Card. An IMT once created cannot be cancelled. The beneficiary has to withdraw the whole amount in a single transaction i.e. no partial with-drawals are allowed, at present. THRESHOLD LIMITS


There is a minimum transaction limit of Rs. 100/- and multiples of Rs. 100/- thereafter. A maximum of Rs. 10,000 per transaction subject to the monthly cap of Rs. 25,000 per month per benefi-ciary as prescribed by RBI will be applied automat-ically by the system. The maximum amount per sender in a calendar month is Rs.50,000/- and there is a maximum number of 10 beneficiary per sender. SERVICE CHARGES The sender will be charged a nominal fee of Rs. 25/- (Rupees Twenty five only) inclusive of Service Tax per transaction at source. There will be no charges at the beneficiary end. VALIDITY OF THE TRANSACTION The beneficiary has T+2 days to withdraw the IMT else the money will automatically be refunded back to the sender’s account. The Service Charge will not be refunded. Internet Banking (INB) Facility for Illiterate Cus-tomers (e-cir 544 dt 25/07/2016) It is clarified that illiterate customers should not be provided Bank’s Internet Banking facility. While necessary development is being made in the CBS to restrict issuance of Net Banking facility to illite-rate customers, till such time the functionality is developed, operating functionaries are advised to ensure that INB is not provided to these custom-ers. They are also advised to select the option “99 : Illiterate” invariably in the field ‘Education Code’ while opening/amending CIF/Accounts of illiterate customers, as this field will be taken into account for restricting issuance of INB to this category of customers. CASH DEPOSIT MACHINES/RECYCLERs MODIFICATION: INCREASE IN PER TRANSACTION LIMIT TO RS. 2 LACS (e-cir 706 & 707 dt 30/08/2016) Our CDMs are capable of accepting up to 200 notes per transaction i.e. Rs. 2 lac per transaction if a customer deposits Rs. 1000 denomination notes. However, our CDMs have a per transaction limit of Rs. 49,900/-. In order to further decongest

the branches, it has been decided to increase the cash deposit limit to Rs. 2 lac per transactions in the following type of cards as under:

Type of Card Present Limit Proposed limit

All Debit Cards Rs. 49,900/- per txn

Rs. 2 lac per txn

SME Insta De-posit Cards

Rs. 49,900/- per txn

Rationale : a) These cards are issued to the cus-tomer themselves. b) The cards are linked only to the customer’s accounts held with the Bank. c) The txns are authenticated using a PIN. 3. However, the present per transaction limit of Rs.49,900/- in Cardless/Debit Card (third party account) and Rs.25,000/- in GRC linked accounts will remain unchanged. The increase in the trans-action limit will enable faster transaction processing, more transactions and reduce queues at CDMs especially at sites attracting our SME Ins-ta Deposit and Business Debit Card customers. CASH DEPOSIT MACHINES/RECYCLERs ENHANCEMENT OF FACILITY TO DEPOSIT IN PPF, RD& LOAN ACCOUNTS ((e-cir 707 dt 30/08/2016) It has been decided to extend the facility of cash deposits in Loan, PPF and Recurring Deposit ac-counts also through CDMs/Recyclers. CONTACT CENTRE

Handled by Intelenet Global services since March 2013 on a fully outsourced plat-form answering 3272,769 calls per month.(150842 Phone banking calls).

Contact Center works as 4th Alternate Channel apart from (ATM/INB/MBS) ser-vice customer

Operations from Vadodara, Bangalore, Agra and Kolkata, which are linked by tel-ecom leased lines with capabilities to re-route overflow of calls to any of the Cen-ters

Currently operating at a capacity of 1250 seats and 2833 staff

Offers 24X7 “Helpline” services for Phone Banking in 12 languages ( Hindi, English, Assamese, Bengali, Gujarati, Ma-


rathi, Odiya, Kannada, Tamil, Telugu, Ma-layalam & Punjabi )

Contact center helps in reducing footfalls from 25 to 30 percent on daily basis, per day, per branch

Agents resolve Customer queries with the help of scripts provided by the BUs and applications hosted at GITC

Eligibility : All personnel segment (Saving and Current ) accounts are eligible for Phone Banking. (Joint accounts with E or S or (b) Anyone or survi-vors mode of operation are also eligible.) Mobile Number registration is necessary to

avail Phone Banking Services. Ineligible Accounts: The following account

holders are NOT ELIGIBLE for Tele-banking fa-cility: i) Minor Accounts ii) Joint Accounts with F or S, L or S or B or S iii) Blocked Account iv) Inoperative Account (Allowed for ‘Stop

Payment of Cheque/s functionality) v) Deaf and Dumb vi) Illiterate vii) Blind viii) Hindu Undivided Family account. Howev-

er, Karta of HUF can avail this facility by providing an indemnity.

Service offered : i) Account Information Services ii) Stop Payment of Cheque/s iii) Transfer of Funds(within SBI) iv) Issue of Statements of account v) Issuance of Interest Certificates vi) Issuance of Fixed Deposit Receipts

Account information Services i) Customer can get account information by

calling our toll free number-1800-11-22-11/1800-425-3800 and Toll Number 080- 26599990

ii) Customer can listen to last 5 transac-tion/can get SMS of last 5 transaction through IVR through Phone Banking

iii) Customer can get MOD account/Loan Ac-count information through Customer Ser-vice Representative ,

Stop Payment of Cheque/s i) Through Phone Banking Services Cus-

tomer can Stop the payment of cheque through Contact Centre.

ii) Customer can stop with Single Cheque and multiple cheque through IVR and through CSR respectively

iii) Customer can stop maximum 3 series of cheque through CSR.

iv) Customer need to call with cheque num-bers to stop cheque payment.

Transfer of Funds i) Through Phone Banking Services Cus-

tomer can transfer funds through Contact Centre within SBI.

ii) Customer need to add beneficiary as own accounts or third party ac-counts(through IVR)

iii) Beneficiary account will be activated after 24 hours

iv) For a transaction of more then Rs .5000, OTP is required

v) OTP can be generated through IVR. Cus-tomer need to generate OTP before trans-ferring Funds

vi) Minimum amount that can transferred is Rs . 100 and other details are

Own Account Third Party a/c

Daily 25000 10000

Monthly No limit 50000

vii) Timings for transferring funds through

Contact center using Phone banking is 08:00 am to 08:00 PM only.

viii) Transferred amount is credited instantly to beneficiary account.

Issue of Statements of account i) Through Phone Banking Services Cus-

tomer can avail Statement of Accounts at Registered Email ID or at Registered ad-dress

ii) Customer can avail statement from IVR(recorded Voice System) or through CSR

iii) Customer can obtain Account statement from April 2012 on wards

iv) Customer at a time can give Statement request for the period of 6 months through CSR or through IVR

v) Statement through Email will be free of cost to our customer

vi) Charges for statement through Post is Rs 44+service Tax

vii) Statement through Email will reach cus-tomer within 2 Working days and within


7 working days on registered address through Post

Issuance of Interest Certificates i) Through Phone Banking Services Cus-

tomer can avail interest certificate for Deposit and Loan Accounts as below

Home Loan Interest Certificate Educational Loan Interest Certifi-

cate Deposit Interest Certificate

ii) Customer can avail Interest Certificate through IVR(recorded Voice System) or through CSR

iii) Statement through Email will be free of cost to our customer and will be delivered instantly

iv) Charges for statement through Post is Rs 44+service Tax

v) Interest Certificate will reach customer through post within 7 working days on registered address

Issuance of Fixed Deposit Receipts i) Through Phone Banking Services Cus-

tomer can create Term Deposits ii) Customer can avail this facility only

through CSR iii) This facility is only available between

08:00AM to 08:00PM iv) Mode of Operation will be Single in all the

cases

PRODUCTS LAUNCHED ON BANK’S DAY 2016 SBI DIGITAL VILLAGE :

A radical initiative by SBI TO CREATE A CASH-LESS ECOSYSTEM in each village and provide access to government supported digital initia-tives in education, health, social security and agri-scheme, subsidies and benefits.

SBI MINGLE : Convenience of banking on Facebook and twitter through an APP based interface. Do all your transactions anytime, anywhere just by logging in to your social media account. SBI BUDDY : Best-in-market-wallet with a unique blend of payment and banking service. State Bank Buddy has compresensive collaborations with merchant partners for shopping and payment experience.

SBI SCRIBE :

A unique , first-of-its-kind service. Just fill up the account opening form on the digital board at the bank and open your account in a jiffy. Walk-in with your KYC documents, walk-out with an account number.

SBI Digi Voucher : A green initiative of SBI that gives you online access to various challans, transactions slips & forms through an APP. It saves valuable time by allowing you to pre-complete transaction forms online to get direct access to the teller counter.

SBI Video Statement : A video statement of your account with spends analysis and dashboards. A statement that comes with a friendly audio narration for the visually challenged.

SBI Smart watch : Do banking through your state bank smart watch. A unique banking experience that is in tune with the technology of future.

SBI InCube A specialised branch to understand and address the banking needs for the start-up business and to help them realize their vision through banking support. The will provide you the best suitable solutions in banking transactions and investments on a robust tech platform customized to your business model. Features: Experienced relationship managers, who know the exact solutions for your banking needs,

•Comprehensive, competitively priced financial products and services,

•Integrated online and mobile banking solutions to save time & money,

•Curated collection of financial and operation tools,

•Solutions that streamline receivables and payables and optimise cash conversion cycle,

•Limited advisory on investments, taxation and forex transactionsthat help optimise liquidity, capital preservation and return.


Software Used in Core Banking B@ncsLink : Front-end software used by branches B@ncs24 : Transaction posting software that is available at CDC. It also provides inter branch transaction capability. Finance One : Corporate General Ledger software CS-EximBills : Trade Finance software LOS (PBBU/ SME/ Agri) : Loan Origination Soft-ware for sourcing processing and sanction of loans of various segments. Internet Explorer : It is the Browser that is used by end-users to connect to B@ncsLink and B@ncs24 for working in Core Banking environ-ment

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