sbiproject 2015.docx

8/17/2019 sbiproject 2015.docx

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CONTENTS

Company Profle

• Overview

• History• Competitors

• Strength/Opportunity & weakness/Threats.

• Dierent Prou!ts

"ntrou!tion to #van!e Prou!t

• S$" #van!e Prou!t

•

Con!lusion

Bibliography

COMPANYPROFILE

State $ank O% "nia


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COMPANY OVERVIEW

State Bank of India 'SBI( is a multinational )anking an fnan!ial

servi!es !ompany )ase in "nia. "t is a government*owne

!orporation with its hea+uarters in ,um)ai- ,aharashtra. - it ha

assets o% S011 )illion an 2-333 )ran!hes- in!luing 43 %oreigno5!es- making it the largest )anking an fnan!ial servi!es

!ompany in "nia )y assets.

State $ank o% "nia is one o% the Big Four banks o% "nia- along

with "C"C" $ank- Pun6a) 7ational $ank an $ank o% $aroa.

The )ank tra!es its an!estry to $ritish "nia- through the "mperial

$ank o% "nia- to the %ouning in 138 o% the $ank o% Cal!utta-

making it the olest !ommer!ial )ank in the "nian Su)!ontinent.$ank o% ,aras merge into the other two presien!ies )anks9$ank

o% Cal!utta an $ank o% $om)ay9to %orm the "mperial $ank o% "nia-

whi!h in turn )e!ame the State $ank o% "nia. :overnment o%

"nia owne the "mperial $ank o% "nia in 4;;- with


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4/60

Seal of I#perial Bank of India

Pursuant to the provisions o% the State $ank o% "nia #!t o% 4;;-

the 331-

the government o% "nia a!+uire the 331- when

the State $ank o% Saurashtra merge with S$".

S$" has a!+uire lo!al )anks in res!ues. The frst was the $ank o%

$ehar 'est. 4(- whi!h S$" a!+uire in 484- together with its >1

)ran!hes. The neAt year S$" a!+uire 7ational $ank o% Eahore 'est.

4@>(- whi!h ha >@ )ran!hes. Five years later- in 42;- S$"a!+uire Grishnaram$aleo $ank- whi!h ha )een esta)lishe in

State $ank O% "nia@

http://en.wikipedia.org/wiki/Reserve_Bank_of_Indiahttp://en.wikipedia.org/wiki/Central_Bankhttp://en.wikipedia.org/wiki/Government_of_Indiahttp://en.wikipedia.org/wiki/State_Bank_of_Saurashtrahttp://en.wikipedia.org/wiki/Reserve_Bank_of_Indiahttp://en.wikipedia.org/wiki/Central_Bankhttp://en.wikipedia.org/wiki/Government_of_Indiahttp://en.wikipedia.org/wiki/State_Bank_of_Saurashtra


5/60

48 in :walior State- uner the patronage o%

,ahara6a ,aho3 )ran!hes. S$" was the a!+uirer asits a5liate- the State $ank o% Travan!ore- alreay ha an eAtensive

network in Gerala.

The State $ank o% "nia an all its asso!iate )anks are ientife )y

the same )lue keyhole logo. The State $ank o%

"nia wormark usually has one stanar type%a!e- )ut also utilises

other type%a!es.

On O!to)er 2- >30- #runhati $hatta!harya )e!ame the frstwoman to )e appointe Chairperson o% the )ank.

$ro%p Photograph of Central Board &'()'*

$S"7SS OF S$"

The )usiness o% the )anks was initially !onfne to is!ounting o%

)ills o% eA!hange or other negotia)le private se!urities- keeping !ash

a!!ounts an re!eiving eposits an issuing an !ir!ulating !ash

notes. Eoans were restri!te to


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fnan!e )y way o% !ash !reits gaine momentum only %rom the

thir e!ae o% the nineteenth !entury. #ll !ommoities- in!luing

tea- sugar an 6ute- whi!h )egan to )e fnan!e later- were either

plege or hypothe!ate to the )ank. Deman promissory notes

were signe )y the )orrower in %avour o% the guarantor- whi!h was inturn enorse to the )ank. Eening against shares o% the )anks or

on the mortgage o% houses- lan or other real property was-

however- %or)ien.

"nians were the prin!ipal )orrowers against eposit o% Companys

paper- while the )usiness o% is!ounts on private as well as salary

)ills was almost the eA!lusive monopoly o% iniviuals uropeans

an their partnership frms. $ut the main %un!tion o% the three

)anks- as %ar as the government was !on!erne- was to help the

latter raise loans %rom time to time an also provie a egree o%

sta)ility to the pri!es o% government se!urities.

,ain $ran!h o% S$" in ,um)ai.

OP


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+OMES!IC PRESENCES$" ha @-18 )ran!hes in "nia- as on 0 ,ar!h >30- o% whi!h

4-1; '88=( were in 33-;83 Crores 'S 08.4 )illion(-

out o% whi!h omesti! operations !ontri)ute to 4;.0;= o% revenue.

Similarly- omesti! operations !ontri)ute to 11.02= o% total profts

%or the same fnan!ial year.

IN!ERNA!IONA, PRESENCE

#s o% >1 ?une >30- the )ank ha 13 overseas o5!es sprea over

0@ !ountries. "t has )ran!hes o% the parent

in ,os!ow- Colom)o- Dhaka- Frank%urt- Hong

Gong- Tehran- ?ohannes)urg- Eonon- Eos #ngeles- ,ale in

the ,alives- ,us!at- Du)ai- 7ew Kork- Osaka- Syney- an Tokyo. "t

has oshore )anking units in the $ahamas- $ahrain- an Singapore-

an representative o5!es in $hutan an Cape Town. "t also has an

#D$ in $oston- S#.

The Canaian su)siiary- State $ank o% "nia 'Canaa( also ates to

41>. "t has seven )ran!hes- %our in the Toronto area an three in

the Lan!ouver area.

S$" operates several %oreign su)siiaries or a5liates. "n 443- it

esta)lishe an oshore )ankI State $ank o% "nia ',auritius(. S$"

',auritius( has ; )ran!hes in ma6or !ities/towns o% the !ountry

in!luing


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!he I-raeli bran.h of the State Bank of India lo.ated

in Ra#at $an

"n 7igeria- S$" operates as "7,$ $ank. This )ank )egan in 41 as

the "no*7igerian ,er!hant $ank an re!eive permission in >33> to

!ommen!e retail )anking. "t now has fve )ran!hes in 7igeria.

"n 7epal- S$" owns ;;= o% 7epal S$" $ank- whi!h has )ran!hes

throughout the !ountry. "n ,os!ow- S$" owns 83= o% Commer!ial

$ank o% "nia- with Canara $ank owning the rest. "n "nonesia- it

owns 28= o% PT $ank "no ,oneA.

State $ank O% "nia1

http://en.wikipedia.org/wiki/Ramat_Ganhttp://en.wikipedia.org/wiki/Nigeriahttp://en.wikipedia.org/wiki/Nepalhttp://en.wikipedia.org/wiki/Commercial_Bank_of_Indiahttp://en.wikipedia.org/wiki/Commercial_Bank_of_Indiahttp://en.wikipedia.org/wiki/Canara_Bankhttp://en.wikipedia.org/wiki/Indonesiahttp://en.wikipedia.org/wiki/Ramat_Ganhttp://en.wikipedia.org/wiki/Nigeriahttp://en.wikipedia.org/wiki/Nepalhttp://en.wikipedia.org/wiki/Commercial_Bank_of_Indiahttp://en.wikipedia.org/wiki/Commercial_Bank_of_Indiahttp://en.wikipedia.org/wiki/Canara_Bankhttp://en.wikipedia.org/wiki/Indonesia


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ASSOCIA!E BAN/S

S$" has asso!iate )anks all use the State $ank o% "nia logo- whi!his a )lue !ir!le- an all use the State $ank o% name- %ollowe )y

the regional hea+uarters nameI

State Bank of Bikaner 0 1aip%r

State Bank of yderabad

State Bank of My-ore

State Bank of Patiala

State $ank O% "nia4

http://en.wikipedia.org/wiki/State_Bank_of_Bikaner_%26_Jaipurhttp://en.wikipedia.org/wiki/State_Bank_of_Hyderabadhttp://en.wikipedia.org/wiki/State_Bank_of_Hyderabadhttp://en.wikipedia.org/wiki/State_Bank_of_Mysorehttp://en.wikipedia.org/wiki/State_Bank_of_Patialahttp://en.wikipedia.org/wiki/State_Bank_of_Bikaner_%26_Jaipurhttp://en.wikipedia.org/wiki/State_Bank_of_Hyderabadhttp://en.wikipedia.org/wiki/State_Bank_of_Mysorehttp://en.wikipedia.org/wiki/State_Bank_of_Patiala


10/60

arlier S$" ha seven asso!iate )anks- all o% whi!h ha )elongeto prin!ely states until the government nationalise them )etweenO!to)er 4;4 an ,ay 483. "n tune with the frst Five Kear Plan-whi!h prioritise the evelopment o% rural "nia- the governmentintegrate these )anks into State $ank o% "nia system to eApan itsrural outrea!h. There has )een a proposal to merge all the asso!iate)anks into S$" to !reate a mega )ank an streamline the groupsoperations.

The frst step towars unif!ation o!!urre on 0 #ugust >331when State $ank o% Saurashtra merge with S$"- reu!ing thenum)er o% asso!iate state )anks %rom seven to siA. Then on 4 ?une>334 the S$" )oar approve the a)sorption o% State $ank o% "nore.S$" hols 41.0= in State $ank o% "nore. '"niviuals who hel the

shares prior to its takeover )y the government hol the )alan!e o%.22=.(

The a!+uisition o% State $ank o% "nore ae @23 )ran!hes to S$"seAisting network o% )ran!hes. #lso- %ollowing the a!+uisition- S$"stotal assets will in!h very !lose to the 3 trillion mark '3 )illionlong s!ale(. The total assets o% S$" an the State $ank o%"nore stoo at 4-41-43 million as o% ,ar!h >334. The pro!ess o%merging o% State $ank o% "nore was !omplete )y #pril >33- anthe S$" "nore )ran!hes starte %un!tioning as S$" )ran!hes on >8

#ugust >33.

NON2BAN/IN$ S3BSI+IARIES

#part %rom its fve asso!iate )anks- S$" also has the %ollowing non*

)anking su)siiariesI

• S$" Capital ,arkets Et

• S$" Funs ,anagement Pvt Et

• S$" Fa!tors & Commer!ial Servi!es Pvt Et

• S$" Cars & Payments Servi!es Pvt. Et. 'S$"CPSE(

State $ank O% "nia3

http://en.wikipedia.org/wiki/Indian_Princely_Stateshttp://en.wikipedia.org/wiki/State_Bank_of_Saurashtrahttp://en.wikipedia.org/wiki/State_Bank_of_Indorehttp://en.wikipedia.org/wiki/State_Bank_of_Indorehttp://en.wikipedia.org/wiki/State_Bank_of_Indorehttp://en.wikipedia.org/wiki/SBI_Capital_Marketshttp://en.wikipedia.org/wiki/SBI_Cardshttp://en.wikipedia.org/wiki/Indian_Princely_Stateshttp://en.wikipedia.org/wiki/State_Bank_of_Saurashtrahttp://en.wikipedia.org/wiki/State_Bank_of_Indorehttp://en.wikipedia.org/wiki/State_Bank_of_Indorehttp://en.wikipedia.org/wiki/State_Bank_of_Indorehttp://en.wikipedia.org/wiki/SBI_Capital_Marketshttp://en.wikipedia.org/wiki/SBI_Cards


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• S$" Ei%e "nsuran!e Company Eimite

• S$" :eneral "nsuran!e

"n ,ar!h >33- S$" 'with 2@= o% the total !apital(- 6oine with $7P

Pari)as 'with >8= o% the remaining !apital(- to %orm a 6oint venture

li%e insuran!e !ompany name S$" Ei%e "nsuran!e !ompany Et. "n

>33@- S$" DFH" 'Dis!ount an Finan!e House o% "nia( was %oune

with its hea+uarters in ,um)ai.

O!ER SBI SERVICE POIN!SS$" has >2-333Q #T,s an S$" group 'in!luing asso!iate )anks( has

0>-2;> #T,s. S$" has )e!ome the frst )ank to install an #T, at

Drass in the ?ammu & Gashmir Gargil region. This was the $anks

>2-30>n #T, on >2 ?uly >3>.

EO:O #7D SEO:#7

•

The logo o% the State $ank o% "nia is a )lue !ir!le with a small!ut in the )ottom that epi!ts per%e!tion an the small manthe !ommon man * )eing the !enter o% the )anks )usiness.

The logo !ame %rom 7ational "nstitute o% Design'7"D(-#hmea)a an it was inspire )y Gankaria Eake- #hmea)a.

S,O$ANS

• P


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E#ployee

S$" is one o% the largest employers in the !ountry having >>1->48employees as on 0 ,ar!h >30- out o% whi!h there were @8-100%emale employees '>=( an >-@3> isa)le employees '=(. Onthe same ate- S$" ha @0-;;3 S!heule Caste '4=( an 8-28@

S!heule Tri)e '2=( employee. The per!entage o% O5!ers-#ssistants an Su)*sta was 0;=- @1= an 2= respe!tively on thesame ate.Hiring driveI The )ank hire >3-81> #ssistants in FK >3>*0- %romover 0 million appli!ants- %or eApansion o% the )ran!h network an tomitigate sta shortage- parti!ularly at rural an semi*ur)an)ran!hes. "n the same year- it re!ruite 1@2 pro)ationary o5!ers%rom aroun .2 million !aniates who applie %or an o5!erposition.Staf productivity I #s per its #nnual 3>*0- ea!h

employee !ontri)ute to revenues o% "7< 4@.@ million an net profto% "7< 3.8; million.

AWAR+S AN+ RECO$NI!IONS

State $ank O% "nia>


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• S$" was ranke as the top )ank in "nia )ase on tier

!apital )y The $anker magaBine in a >3@ ranking.

• S$" was ranke >41th in the Fortune :lo)al ;33 rankings o% the

worls )iggest !orporations %or the year >3>.

• S$" won $est Pu)li! Se!tor $ank awar in the D&$ "nias

stuy on "nias Top $anks >30.

• State $ank o% "nia won three "D30 %or Rle!troni! Payment Systems-R$est use o% te!hnology %or Finan!ial "n!lusion- an RCustomer,anagement & $usiness "ntelligen!e in the large )ank!ategory.

• S$" won 7ational #war %or its per%orman!e in the

implementation o% Prime ,inisters mployment :enerationProgramme 'P,:P( s!heme %or the year >3>.

• $est Online $anking #war- $est Customer "nitiative #war &

$est


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• The $ank o% the year >334- "nia 'won the se!on year in a

row( )y The $anker ,agaBine

• $est $ank M Earge an ,ost So!ially 334

• $est $ank >334 )y $usiness "nia

• The ,ost Truste $ran >334 )y The !onomi! Times.

• ,ost Pre%erre $ank & ,ost pre%erre Home loan provier )y

C7$C

• Lisionaries o% Finan!ial "n!lusion $y F"7O

• Te!hnology $ank o% the Kear )y "$# $anking Te!hnology #wars

• S$" was th most truste )ran in "nia as per the $ran Trust

33.

State $ank O% "nia@

http://en.wikipedia.org/wiki/The_Brand_Trust_Reporthttp://en.wikipedia.org/wiki/The_Brand_Trust_Reporthttp://en.wikipedia.org/wiki/The_Brand_Trust_Reporthttp://en.wikipedia.org/wiki/The_Brand_Trust_Report


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COMPE!I!ORS

State $ank O% "nia;


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Co#petitor- and other player- in the 4eld52

!op Perfor#ing P%bli. Se.tor Bank-

#nhra $ank

#llaha)a $ank

Pun6a) 7ational $ank

Dena $ank

Li6aya $ank

!op Perfor#ing Pri6ate Se.tor Bank-

HDFC $ank

"C"C" $ank

#U"S $ank

State $ank O% "nia8


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Gotak ,ahinra $ank

Centurion $ank o% Pun6a)

!op Perfor#ing "oreign Bank-

Citi)ank

Stanar Chartere

HS$C $ank

SWO! ANA,YSIS O" SBI

Strength7 Opport%nitie-5

The growth %or S$" in the !oming years is likely to )e %uelle )y the

%ollowing %a!torsI

V Continue eort to in!rease low !ost eposit woul ensure

improvement in 7",s an hen!e earnings.

V :rowing retail & S,s thrust woul lea to higher )usiness growth.

V Strong e!onomi! growth woul generate higher eman %or %uns

pursuant to higher !orporate eman %or !reit on a!!ount o%

!apa!ity eApansion.

State $ank O% "nia2


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Weakne--7 !hreat-5

The risks that !oul ensue to S$" in time to !ome are as unerI

V S$" is !urrently operating at a lowest C#8=.

Signif!ant thrust on growing retail )ook poses higher !reit risk to

the )ank.

V Delay in te!hnology up graation !oul result in loss o% market

shares.

State $ank O% "nia1


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V ,anagement ini!ate a likely pension short%all on a!!ount o% #S*

; to )e !lose to


20/60

TaA*Saver FiAe

Deposit

Two

Nheeler

Corporate

Cars

Partners

hip

ards Salary #!!ount Pre*

approveEoans

Prepai

Car

#vantage

Noman

Savings #!!ount


21/60

State $ank O% "nia>


22/60

IN!RO+3C!ION !O A+VANCE PRO+3C!5

7ow a ay not all the people have the !apa!ity to %ulfll their

re+uirement )y their own earning- thats why they nee help %rom

others. For this so many government & private se!tor )ank provie

them money to %ulfll their re+uirement- thats !all the #van!e

Prou!t 'loan prou!t( o% the )ank. #ll the )anks have so many

ierent types o% avan!e prou!t as per the re+uirement o% the

people or !ustomers. "n $hu)aneswar also there are so many )anks

those provie loan to the people %or ierent !auses.

!ype- of Ad6an.e Prod%.t

Home Eoan

u!ational Eoan

Car Eoan

Personal Eoan

Property Eoan

Eoan #gainst SharesWDe)entures

7ow a ay a large no. o% people are taking loan %orm ierent )anks.

"t helps people to %ulfll their nee an it really easy to repayment

the loan amount with a longer repayment perio.

State $ank O% "nia>>


23/60

SBI A+VANCE PRO+3C!

SBI o#e ,oan-5

P%rpo-e

Pur!hase/ Constru!tion o% House/ Flat

Pur!hase o% a plot o% lan %or !onstru!tion o% House

Atension/ repair/ renovation/ alteration o% an eAisting House/ Flat

Pur!hase o% Furnishings an Consumer Dura)les as a part o% the

pro6e!t !ost.

Takeover o% an eAisting loan %rom other $anks/ Housing Finan!e

Companies.

Eligibility5

Mini#%# age 1 years as on the ate o% san!tion

Ma8i#%# age limit %or a Home Eoan )orrower is fAe at 23 years-

i.e. the age )y whi!h the loan shoul )e %ully repai.

#vaila)ility o% su5!ient- regular an !ontinuous sour!e o% in!ome %or

servi!ing the loan repayment.

S$" Home Eoan "nterest 0


24/60

Wel.o#e to SBI o#e ,oan Inter-t Rate

3pdate on )( Sep )9':

#. "nterest


25/60

P%rpo-e

Kou !an take fnan!e %orI

# new !ar- 6eep or ,ulti tility Lehi!les ',Ls(

# use !ar / 6eep 'not more than ; years ol(. '#ny make or moel(.

Take over o% eAisting loan %rom other $ank/Finan!ial institution

'Conitions apply(

Eligibility

To avail an S$" Car Eoan- you shoul )e I

• "niviual )etween the age o% >*8; years o% age.

• # Permanent employee o% State / Central :overnment- Pu)li!

Se!tor nertaking- Private !ompany or a repute

esta)lishment or

• # Pro%essionals or sel%*employe iniviual who is an in!ome

taA assessee or

• # Person engage in agri!ulture an allie a!tivities.

• 7et #nnual "n!ome


26/60

Wel.o#e to SBI CAR ,OAN

Attra.ti6e "eat%re-

#. "nterest


27/60

you woul nee to su)mit the %ollowing o!uments along with the

!omplete appli!ation %orm i% you are an eAisting S$" a!!ount holerI

. Statement o% $ank a!!ount o% the )orrower %or last > months.

>. > passport siBe photographs o% )orrower's(.

0. Signature ientif!ation %rom )ankers o% )orrower's(.

@. # !opy o% passport /voters "D !ar/P#7 !ar.

;. Proo% o% resien!e.

8. Eatest salary*slip showing all eu!tions

2. ".T. years %or salarie employees an 0years %or pro%essional/sel%*employe/)usinessmen ulya!!epte )y the "TO wherever appli!a)le to )e su)mitte.

1. Proo% o% o5!ial aress %or non*salarie iniviuals.

"% you are not an a!!ount holer with S$" you woul also nee to

%urnish o!uments that esta)lish your ientity an give proo% o%

resien!e.

E+3CA!ION ,OAN5

State $ank O% "nia>2


28/60

# term loan grante to "nian 7ationals %or pursuing higher

eu!ation in "nia or a)roa where amission has )een se!ure.

Eligible Co%r-e-

a= St%die- in India5

X :rauation- Post*grauation in!luing regular te!hni!al an

pro%essional Degree/Diploma !ourses !onu!te )y

!olleges/universities approve )y :C/ #"CT/",C/:ovt. et!

X


29/60

• Aamination/Ei)rary/Ea)oratory %ees

• Pur!hase o% $ooks/+uipment/"nstruments/ni%orms- Pur!hase

o% !omputers* essential %or !ompletion o% the !ourse'maAimum >3= o% the total tuition %ees paya)le %or !ompletiono% the !ourse(

• Caution Deposit/$uiling Fun/


30/60

u!ation Eoans %or Stuents se!uring amission in ""Ts- "",s- 7"Ts- #"",San other repute institutions.

Rate of Intere-t5

,i-t ROI

,i-t AA >; )ps a)ove $ase ; )ps a)ove $ase


31/60

Rate of Intere-t

0.8;= a)ove $ase


32/60

Parti.%lar Se.%rity

pto


33/60

• Complete u!ation Eoan #ppli!ation Form.

• ,ark sheets o% last +uali%ying eAamination

• Proo% o% amission s!holarship- stuentship et!

• S!heule o% eApenses %or the spe!ife !ourse

• > passport siBe photographs

• P#7 Car o% the stuent an the Parent/ :uarian

• $orrowers $ank a!!ount statement %or the last siA months

• "n!ome taA


34/60

Enoy the SBI Ad6antage 5

Eow interest rates. Further- we !harge interest on a aily

reu!ing )alan!e\\

Eow pro!essing !harges only >=*0= o% loan amount

7o hien !osts or aministrative !harges.

7o se!urity re+uire ]]whi!h means minimal o!umentation]

something that you ha always wante.

7o prepayment penalties.


35/60

Eong repayment perio o% up to @1 months.

Abo%t

Do you want %uns reaily availa)le to you whenever you esire or nee- )eit a suenva!ation that you plan with your %amily or urgent %uns re+uire%or mei!al treatment

P%rpo-e

The loan will )e grante %or any legitimate purpose whatsoever 'e.g.eApenses %or omesti! or%oreign travel- mei!al treatment o% sel% or a %amilymem)er- meeting any fnan!ial lia)ility-su!h as marriage o% son/aughter-

State $ank O% "nia0;


36/60

e%raying eu!ational eApenses o% wars- meeting margins%or pur!hase o% assets et!.(

Eligibility

Kou are eligi)le i% you are a Salarie iniviual o% goo +uality !orporate-

sel% employeengineer- o!tor- ar!hite!t- !hartere a!!ountant- ,$# withminimum > years staning.

,oan A#o%nt

Kour personal loan limit woul )e etermine )y your in!ome anrepayment !apa!ity.

Mini#%# 5

@-333/* in metro an ur)an !entres

times 7et ,onthly "n!ome %or salarie iniviuals an pensioners su)6e!tto a !eiling o% .3>=*0.30= o% the loan amount.

Prepay#ent Charge- 5 7"E

SBI PERSONA, ,OAN E,I$IBI,I!Y

YO3 ARE E,I$IB,E "OR SBI PERSONA, ,OAN I"5

• Kou are )etween > an ;1 years o% age

State $ank O% "nia08


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• "n !ase you are salarie- you are in a %ull time 6o) %or at least >@ monthso% whi!h not less >@ months must )e with your !urrent !ompany

• "n !ase you are sel%*employe- you must )e in !urrent pro%ession or)usiness %or at least > years an shoul pre%era)ly )e owning either

your o5!e or your pla!e o% resien!e. ,inimum turnover an minimumnet in!ome !riteria may apply

• S$" oes not spe!i%y any parti!ular C"$"E s!ore %or )eing eligi)le %or apersonal loan- it is o)serve that a s!ore o% 2;3 an a)ove is esira)le

PREPAYMEN!G "OREC,OS3REG BA,ANCE !RANS"ERG !OP 3PPERSONA, ,OAN

• Part prepayment o% S$" personal loan is allowe without anyprepayment !harges

• Fore!losure or %ull prepayment is allowe without any prepayment!harges

• S$" oers personal loan )alan!e trans%er %rom another )ank . This issu)6e!t to your meeting other eligi)ility !riteria o% S$"

• Kou !an avail aitional top*up personal loan %rom S$"- su)6e!t to your

eligi)ility

+OC3MEN!S REK3IRE+ 2 SA,ARIE+

• Fille up loan appli!ation %orm

• > Passport SiBe Photo

• Copy o% "n!ome TaA P#7

• "entity Proo% * Passport/ Driving Ei!en!e/ Loter "D/ P#7

•


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# ream !omes true. #n #EE P


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Enoy the SBI Ad6antage

X Complete transparen!y in operations

X #!!ess this loan %rom our wie network o% )ran!hes

X "nterest rates are levie on a monthly/aily reu!ing )alan!e

metho

X Eowest pro!essing !harges.

X Eong repayment perio o% 83 months- upto >3 months %or

salarie iniviuals with !he!k*o %a!ility

X 7o Hien !osts or aministrative !harges.

X 7o prepayment penalties. Kou !an have surplus %uns at any time

there)y !onveniently reu!ing your loan lia)ility an interest

)uren.

Property ,oan S.he#e

#vail o% an #ll*Purpose loan against mortgage o% any o% your

property. Ne oer you these loans at all our Personal $anking

$ran!hes an those )ran!hes having Personal $anking Divisions

amongst others.

P%rpo-e

This is an all purpose loan- i.e.- the loan !an )e o)taine %or any

purpose whatsoever."% amount o% loan is ;.33 la!s an a)ove

then purpose o% loan will have to )e spe!ife alongwith an

unertaking that loan will not )e use %or any spe!ulative purpose

whatever in!luing spe!ulation on real estate an e+uity shares.

Eligibility

State $ank O% "nia04


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Kou are eligi)le i% you areI

A. #n iniviual who is

a. #n mployee or). # Pro%essional- sel%*employe or an in!ome taA assesse or

!. ngage in agri!ultural an allie a!tivities.

B. Kour 7et ,onthly "n!ome 'salarie( is in eA!ess o% -333/* or

7et #nnual "n!ome 'others( is in eA!ess o% 3 months %orsalarie iniviuals with !he!k*o %a!ility. Kou !oul opt to ivert any

State $ank O% "nia@3


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surplus %uns towars prepayment o% the loan without attra!ting any

penalty.

Pro.e--ing "ee-

>= o% the loan amount _in!lusive o% the servi!e taA`. ,aA o%


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e)entures against the se!urity o% eAisting shares / e)entures.

Eoan will not )e san!tione %or 'i( spe!ulative purposes 'ii( inter*

!orporate investments or 'iii( a!+uiring !ontrolling interest in

!ompany / !ompanies.

,oan A#o%nt Kou !an avail o% loans up to 3.33 la!s against your

shares/e)entures.

+o.%#ent- Re


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SERVICES

• "nternet $anking

• ,o)ile $anking

•

#T, Servi!es

• Demat Servi!es

IN!ERNE! BAN/IN$



44/60

www.onlines)i.!om- the "nternet )anking portal o% our )ank- ena)les

its retail )anking !ustomers to operate their a!!ounts %rom

anywhere anytime- removing the restri!tions impose )y geography

State $ank O% "nia@@

https://www.onlinesbi.com/https://www.onlinesbi.com/


45/60

an time. "ts a plat%orm that ena)les the !ustomers to !arry out

their )anking a!tivities %rom their esktop- aie )y the power an

!onvenien!e o% the "nternet.

sing "nternet )anking servi!es- you !an o the %ollowing normal

)anking transa!tions onlineI

Funs trans%er )etween own a!!ounts.

Thir party trans%ers to a!!ounts maintaine at any )ran!h o%

S$"

:roup Trans%ers to a!!ounts in State $ank :roup

"nter $ank Trans%ers to a!!ounts with other $anks

Online staning instru!tions %or perioi!al trans%er %or the a)ove

Creit PPF a!!ounts a!ross )ran!hes


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Online #ppli!ation %or "PO

Fee Payment to sele!t eu!ational institutions in!luing ""Ts an

7"Ts

Truly smart servi!es to !over most o% your )anking transa!tions.#ll

this an mu!h more- %rom your esktop.

#ll our )ran!hes are ena)le %or "nternet $anking. Conta!t your

)ran!h %or availing this servi!e. Kou !an visitwww.onlines)i.!om %or

ownloaing the registration %orm

MOBI,E BAN/IN$52


https://www.onlinesbi.com/https://www.onlinesbi.com/


47/60

State Bank "reedoM Yo%r Mobile Yo%r Bank

#way %rom home- )alan!e en+uiries !an )e mae an/or money sent

to the love ones or )ills !an )e pai anytime >@A2\\\ That is what

State $ank Freeo, oers * !onvenient- simple- se!ure- anytime an

anywhere )anking.

'= Mobile Banking Ser6i.e o6er Appli.ation7 Wirele--

Appli.ation Proto.ol &WAP*

The ,o)ile $anking #ppli!ation is availa)le %or 6ava- $la!k)erry-

#nroi- i*phones an Ninows mo)ile phones. The servi!e !an also

)e availe via N#P on all phones with :P


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. The Servi!e is %ree o% !harge. S,S/:P>0@@3333. Cli!k here %or the list o% keywors. Orinary

S,S !harges are appli!a)le.

The %ollowing servi!es !an )e availe through S,SI

X n+uiry Servi!es '$alan!e n+uiry/,ini Statement(

X Prepai ,o)ile / ,o)iCash wallet Top up

X DTH


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The servi!e is availa)le on all phones eA!ept CD,# phones.

Downloaing o% appli!ation is not re+uire. Su)s!ri)ers have to

ial :(:H to avail the servi!e.

The %ollowing servi!es !an )e availe through SSDI

X n+uiry Servi!es '$alan!e n+uiry/,ini Statement(

X ,o)ile Top up

X Funs Trans%er 'within $ank(

B%-ine-- R%le-

#ll Current/ Savings $ank #!!ount holers in P segment are eligi)le.

a. Transa!tion limit per ay is


50/60

S!A!E BAN/ A!M SERVICES

State $ank oers you the !onvenien!e o% @0-333Q #T,s in "nia- the

largest network in the !ountry an !ontinuing to eApan %ast\ Thismeans that you !an transa!t %ree o% !ost at the #T,s o% State $ank

:roup using any State $ank #T,*!um*De)it Car 'This in!lues the

#T,s o% State $ank o% "nia as well as the #sso!iate $anks * namely-

State $ank o% $ikaner & ?aipur- State $ank o% Hyera)a- State $ank

o% ,ysore- State $ank o% Patiala an State $ank o% Travan!ore.(

/IN+S O" CAR+S ACCEP!E+ A! S!A!E BAN/ A!M-

$esies all e)it !ars issue )y State $ank o% "nia- %ollowing !ars

are also a!!epte at State $ank #T,sI

( State $ank Creit Car

>( Cars issue )y other )anks isplaying ,aestro- ,aster Car-

Cirrus- L"S#- L"S# le!tron- an


51/60

• Kou !an also use your e)it !ar to make payments %or

pur!hases at more than 8 lakh mer!hant esta)lishments viB.

shops- restaurants- shopping malls- hotels- petrol pumpsan many other outlets.

A!M "eat%re-5

3-e the Banking option on State Bank A!M- and enoy a

ho-t of -er6i.e-5

Ca-h Withdra@al The most popular servi!e on our #T,s ena)les !ustomers to

withraw up to a aily limit o%


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Ape!ting an inow o% %uns in your a!!ount^ se this servi!e to

!he!k the !urrent availa)le )alan!e in your a!!ount. This servi!e is

also availa)le on the main option s!reen a%ter swiping your

!ar. Kou !an also Y:o :reen )y sele!ting the view option as the

)alan!e is isplaye on the s!reen else get a transa!tion re!eipt )ysele!ting print.

Mini-tate#entGeep tra!k o% the transa!tions in your a!!ount )y availing this

servi!e. ,ini*statement gives you an insight into the last 3

transa!tions in your a!!ount.

3-e the !ran-fer option on State Bank A!M- and a6ail of5

Card to Card !ran-ferSen !ash in a ash %rom one S$" De)it Car to the other. sing this

%ree an easy servi!e- you !an trans%er up to


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ensures you never run out o% time to !at!h up with your ear ones

over the mo)ile network.

Che


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,inimum amount o% 3- all the new emat a!!ountsan Online Traing a!!ounts will )e opene in the )ooks o% S$" Cap Se!urities Et.

'ii( The eAisting emat a!!ounts in the )ooks o% the $ank

will !ontinue to )e maintaine )y the $ank.

There%ore- in new 0 in one %a!ility- Savings/Current a!!ount will )e

hel with S$" while

Demat an Online Traing a!!ount will )e hel in the )ooks o% S$"

Cap Se!urities Et.

However- eAisting emat !ustomers o% S$" will !ontinue to get theservi!es %rom S$" as )e%ore. S$" is a Depository Parti!ipant

registere with )oth 7ational Se!urities Depositories Eimite '7SDE(

an Central Depository Servi!es Eimite 'CDSE( an is operating its

DP a!tivity through more than 333 )ran!hes. Our Power Demat

#!!ount oers you the %ollowing %eaturesI

"eat%re- 0 Bene4t- of a +e#at A..o%nt

#s oppose to the earlier %orm o% ealing in physi!al !ertif!ates with

elays in transa!tion- holing an traing in Demat %orm has the

%ollowing )eneftsI

• A..o%nt Maintenan.e 0 Safe .%-tody5 Fa!ilitates,aintaining Se!urity $alan!e in ele!troni! %orm

• +e#aterialiJation5 Fa!ilitates !onverting physi!al share!ertif!ate into ele!troni! )alan!es.

State $ank O% "nia;@


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• Re#aterialiJation5 Fa!ilitates !onverting the ele!troni!)alan!es to physi!al 'share !ertif!ate( %orm.

• A..o%nt !ran-fer-5 Fa!ilitates elivery/re!eipt o% ele!troni!)alan!es !onse+uent to market / o*market traes.

• Pledge7ypothe.ation5 Fa!ilitates )lo!king se!urities)alan!e o% )orrowers in %avour o% leners %or o)taining Eoans /avan!es against shares.

• Initial P%bli. oQer5 Fa!ilitates %aster an ire!t !reit o% se!urity )alan!es into DP a!!ount on allotment through pu)li!issue o% !ompanies

• +i-b%r-e#ent of .orporate bene4t-5 Fa!ilitates %aster an

ire!t !reit o% se!urity )alan!e into DP a!!ount on a!!ount o% non*monetary !orporate )enefts as )onus an rights issues.

• Se.%rity ,ending5 Fa!ilitates earning eAtra in!ome on yourematerialiBe holings )y the way o% se!urities lening.

A +e#at a..o%nt @ith SBI pro6ide- yo% the follo@ing

bene4t-5

• C%-to#er Care5 Kou !an now !all our ei!ate CustomerCare >@U2 an rest assure that all your +ueries are taken !areo%.

• !ran-a.t Any@here5 7ow operate your Demat a!!ount %romany o% the 333 plus Demat ena)le )ran!hes o% S$".

• State#ent- by e2#ail5


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Order +eli6ery In-tr%.tion Booklet online5 7o +ueues at

)ran!hes anymore as you !an now orer your Delivery "nstru!tions

$ooklet online an the same woul )e elivere at your oorsteps.

Che!k "S"7s- Settlement Calenar an Status o%


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#pproAimately @0= o% avan!e prou!t users sai that the

servi!e o% S$" in avan!e prou!t is eA!ellent. # response %rom !ustomer !are is so !lear & goo.

,any !ustomers have no time to !all !ustomer !are so that

they are not a)le to know a)out the servi!e & %eatures o% S$"

avan!e prou!t. ,ost !ustomers are shi%te %rom other )anks avan!e prou!t

to S$")e!ause o% hien !harges- high interest rate- less

repayment perio. :overnment employees are more !on!ern than private

employees %or avan!e prou!t.

REASONS "OR I$,Y 3SE O" SBI A+VANCE PRO+3C!5

ESS P#P< NO


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CONC,3SION

From the a)ove pro6e!t it !an )e !on!lue that !ustomers have a

goo respon towars S$" avan!e prou!ts in $hilai. S$" is in

stposition having large num)er o% !ustomers & proviing goo

servi!es to them. The )ank has a wie !ustomer )ase- so the )ank

shoul !on!entrate on this to retain these !ustomers.

"n present s!enario S$" is the largest avan!e prou!t issuer in

"nia. Nithin a very short perio o% time the a!hievement mae )y

S$" is eA!ellent- what a normal )ank !annot eApe!t- )ut it is )eing

one )y S$". "t happens ue to employee ei!ation towars the

organiBation- %astest growing "nian e!onomy- & )ran image.

State $ank O% "nia;1


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To )e the largest avan!e prou!t issuer- S$" shoul %o!us on*

•Eaun!h "nnovative prou!t

• CustomiBe avan!e prou!ts

• $etter !ustomer servi!es

• Fastest !ustomers pro)lem solving te!hni+ues

• Customer retention

#part %rom all the a)ove- S$" )elieve in proviing goo !ustomer

servi!es to their !ustomers whi!h is a key %a!tor %or su!!ess in

%uture.

BIB,IO$RAPY

Internet5

www.google.!o.in

www.s)i.!o.in

www.s)ili%e.!o.in

www.online-bi.!om/personal/prou!tan-er6i.e-

www.wikipeia.!om

State $ank O% "nia;4

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


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Thank You

sbiproject 2015.docx

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