Professional Documents
Culture Documents
QUICK SUCCESS SERIES was envisioned by Sri Shailesh Kumar, who was then a Faculty at SBLC Deoghar and he along with Sri Rajeev Shankar (who is still in our team) converted their dream into reality, they did not really knew that time that QSS will become so popular and SBLC Deoghar will receive overwhelming demand for its updated version year after year from various parts of the country. A special thanks to both of them for conceiving QSS. One of the hall marks of excellence is that any product remains constantly in demand and over years, the demand grows. Team Deoghar is humbled by the response and recognition; it has received from various users of QSS. Our sincere thanks to our readers. Your expectations will keep us live and kicking. I take pride in representing a Team comprising of Sri Akhil Kumar Mishra, Chief Manager (Training), Sri Shiv Prakash Jha, Chief Manager (Training), Sri Rajeev Shankar, Chief Manager (Training), Sri Champak Das, Manager (Training) & Sri Rakesh Roshan, Manager (Training), who have owned up QSS like their own baby and are constantly contributing towards value addition and keeping it relevant and up to date for the users. We hope that this edition will be equally useful for various promotional exams. We request our readers to point out any lapses at the earliest, though we have taken adequate care to be as correct as possible. This book is however not a substitute for circular instructions issued by the Bank from time to time. Our Team wishes you grand success in all your endeavours.
S K Rana Assistant General Manager, State Bank Learning Centre, Deoghar- 814112 Phone- 06432-232895 Fax - 06432-231810 E-mail: agmstc.deoghar@sbi.co.in
Updated upto 28th Feb, 2013 Updated By: Rakesh Roshan Manager Training, SBLC Deoghar Mobile- 9162370185 Email- r.roshan@sbi.co.in
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Charge for Using Other Banks ATM (SB A/C) Permissible Max. 5 transactions including Cash Withdrawal and Balance enquiry in a Month Free- Above 5 Withdrawals Rs 17/-Per Withdrawal (Financial Trxn.) and Rs.6/-(Non Financial Trxn.)(e-cir:490/2012-13 dt:13/08/2012) charges will be debited automatically to the customers account. No manual intervention is required. Different types of Charges related Master circular of Service charges.(e-cir:995/2012-13 dt:01/01/2013) Campaign for issuing/acquiring ATM transactions Operation ATM Vijay The campaign is
to dt:
STATE BANK DEBIT CARDS FREEDOMREWARDZ PROGRAMME-MODIFICATIONS: In light of the RBI guidelines dated 28/6/2012 capping Merchant Discount Rate (MDR) that has resulted in reduction in Interchange rates in the industry thereby resulting in proportional reduction in the Interchange Income for the Bank, it has been decided to rationalise the State Bank Debit Card loyalty programme, Freedom Rewardz (introduced in April 2009) w.e.f: November 1, 2012, as, Classic/Silver/Gold/Platinum/any other variant 1 point for every Rs. 200/- spent If customer makes at least 3 transactions in a quarter then Points earned during the quarter will be doubled for Classic/Silver/Gold/any other variant customers for that quarter. Points earned during the quarter will be tripled for Platinum customers for that quarter. With a view to encouraging our new customers to use their Debit Cards within the first month of issuance, an activation offer has also been built into the new construct Bonus points on first purchase using Debit Card within completion of one calendar month of issuance- 50 points .
Hot listing of Card refers to deactivation of Lost Cards at ASC Hot listing of Card be Done by Customer himself By calling at 24x7 Contact Centre through BSNL/MTNL Landline (1800112211) or through any other Phone (080-26599990) Hot listing of Card can also be done by Branch official through Contact Centre or by sending an email to contactcentre@sbi.co.in on written request by Customer Contact Centre is Located at Bangalore & Baroda - Operated by M/s Mphasis Combo Card is a chip & magnetic stripe based Photo card issued to the faculty, student & staff of Manipal University of Higher Education (MAHE). It is a Multifunctionality Card. Can be used as library card, identity card, ATM cum Debit Card, etc. Army Card & IIM-L are also photo cards exclusively for ARMY Personnel & Indian Institute of Management Lucknow respectively. Gold Debit Card (VISA /MASTER) can be issued to customers maintaining QAB of Rs 20000/- or to all salary account holders declaring gross salary of Rs 25000/- and above or to all customers of Personal Banking Branches PIN based at ATM & Signature based at POS/ME. 4 reward points of .25 paisa each on every purchase of Rs 100/- on POS/Internet. 50 bulk reward points after first three usage at POS YUVA card can be issued to youth segment in age group of 18-30 years. Operates on VISA Platform as VISA Classic Card. Validity 10 years. PIN based at ATM and signature based at POS/ME. One loyalty point of Re 0.25 for every purchase of Rs 100/- at POS. 50% concession on Loan Processing Fee. 50% concession on Demat AMC charges. 25 basis point concession in interest rate on Education, Housing & Vehicle loans to the card holders
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Money Send is launched by Master Card Worldwide (MCW). It enables our card holders 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 transaction 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. PIN Mailers not delivered within a period of 45 days should be destroyed and Cards hot listed through Contact Centre.
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72- MINI STATEMENT NOT MADE AVAILABLE (not connected to database) 73- ROUTING LOOKUP PROBLEM Connectivity problem 74- MESSAGE EDIT ERROR card damaged Changes introduced in ATM transaction flow to safe guard customer interest and Banks 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 prevent 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 manipulations
INTERNET BANKING
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 At present, 13.88% of the total CBS transactions (both financial and non-financial) are done through INB and the share of Alternate Channels to the total CBS transactions is 35.39%. As per the Chairmans policy guidelines for FY 2012-13 and the GOI guide lines, we are required to achieve the target of migration of 50% of total CBS transactions to Alternate Channels by 31.03.2013.Campaign for Promotion of Internet Banking-e-Kranti will be effective from 01.07.2012 till 31.03.2013.(e-cir:579/2012-13 dt:10/09/12) Merchant acquiring business (MAB) and State Bank Debit Cards on-us campaign for customers and merchants has been launched from 08/09/2012. The campaign is targeted towards increasing On-Us (SBI debit card) transactions on our POS terminals and to increase SBI POS terminals in the market.( ecir:574/2012-13 dt:10/09/2012)
Merchant Acquiring Business has been rolled out across the Bank and is picking up. For the current year, a target of one lakh PoS terminals has been set for the Bank. A promotional campaign POS Ab Sabke Pas is currently running for the operating staff to enthuse and involve them in Merchant Acquiring Business an incentive of Rs.200/ per approved and installed POS terminal per staff member w.e.f: Jan13 has been launched.(e1st cir:1013/2012-13 dt:8th Jan13) PPK stands for Pre Printed Kit. A Packet contains 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 eTDR/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 additional rate of interest:- The facility enabling 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/eSTDR without visiting the Branch. The date of birth recorded in CBS is used for age calculation and categorization of customer as senior citizen. ii) Maturity Instructions Tenor for e-TDR/eSTDR:- The functionality has been developed. It allows an internet banking user to give any
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required by branches for opening / closure of recurringdeposit account under (e-RD). 2. Domestic, NRE & NRO customers & Staff members 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 eRD 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 eRD 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 cancelles automatically on online closure / premature closure of e-RD The SI created (Separately through Internet Banking or through Branch) will need to be cancelled by the customer/Branch. 7. Passbook for e-RD accounts will not be generated 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
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MOBILE BANKING
Brand Name- SBI Freedom State Bank Freedom, our Mobile Banking Service (MBS), was launched as an alternate channel during March 2009. At present, there are more than 45.50 lac users with an average of 86,000 financial transactions (6500 funds transfer transactions) per day.
Cash Back Scheme for Mobile Banking customers. Campaign Period: 01.09.2012 to 31.03.2013. It has been decided to
launch a cash back scheme, to incentivise the customers with Rs.5/- for every funds transfer transaction of Rs.5000/- and more, through MBS. Cash Back is an automated process
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http://mobile.prepaid.com/sbiwap/
In addition to User ID & MPIN, WAP Login ID is also provided MBS over USSD- available to all subscribers of Vodafone, Idea, Airtel & Aircel 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 1000/within an overall Calendar Month Limit of Rs 5000/User ID & MPIN is obtained in the same process. Subscribers to Airtel, Vodafone, Idea, Aircel, Reliance, Uninor, BSNL North & East, MTNL Delhi can Dial *595# In all cases, MPIN is required to be changed before registering at ATM or Branch. Branches can now lodge requests/issues/complaints relating to MBS transactions at StateBank Group Service Deskon the url http://10.4.236.151:8080 /CAisd/pdmweb.exe New Product: State Bank Mobi Cash Launch of Mobile Wallet Mobile Wallet issuable to customers and to non customers also in association with other entities. It is a virtual prepaid account accessible over mobile phones enabled with a mobile based application which allows its users/subscribers to make payments to any designated affiliates /appointed network of merchants. State Bank has named its Mobile Wallet as State Bank MobiCash. While mobile banking is a channel to access customers savings or current account, Mobile wallet is a payment product. A non account holder can also take the wallet and avail the facility offered by State Bank Mobi Cash. It is being launched in partnership with M/s. OXIGEN Services (India) Pvt. Ltd (Oxigen) and M/s. Sahyog Microfinance Foundation (SMF). While Oxigen will provide Mobile Based front end application and Transaction processing platform, SMF would bring in Customer Service Points (CSP) which will be the delivery points of services like providing applications for mobile wallets, Cash-in & Cash-out, other
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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 Associate Banks as at the end of the day. Other terms & conditions are as applicable to RTGS/NEFT Western Union Money Transfer (WUMT) Western Union Financial Services (WU), a subsidiary of First Data Corporation, is a Fortune 500 company It is the largest money transfer organisation in the world, operating from over 150,000 locations spread over 197 countries They operate in India under a RBI License Our Bank has entered into an agreement with WU for paying out their remittances into india Maximum Limit Per Transaction- USD 2500/Beneficiary can Receive Maximum of 12 transactions in a calendar year Maximum cash amount paid out to the receiver is INR 50,000/If the amount exceeds INR 50,000/- an account payee cheque will be issued or the account of the beneficiary has to be credited for the entire amount WU will be responsible for ensuring compliances under MTSS guidelines and AML measures at the send side of the transaction Beneficiary of Remittance provides the followings: Valid ID Senders name
The Bank has been issuing Vishwa Yatra Foreign Travel Card (FTC) in USD since 2004.GBP & Euro were added in 2006. 5 more currencies namely AUD, CAD, JPY, SGD & SAR have been recently added, a corporate variants for all currency introduced and the card has also been migrated to CHIP w.e.f 1st August 2011. The revised Schedule of Charges, for all 8 currencies is effective from September 15, 2012. (e-cir:612/2012-13 dt:21/09/2012) The generic e-Payment module i-Collect was launched during November, 2010 to
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Quick Success Series - Technology Feb 28, 2013 provide a fast and convenient mode for online collection of funds for Corporates/Firms/Institution customers. The product has a unique feature whereby the customer (Corporate/Firm/Institute) can define and customize the web page as per his requirement without incurring any cost. The funds are collected from the remitters (Retail/Saral user) online on real time basis with generation of MIS in the format as decided by the Corporate. A method to pre-populate the particulars or amount based on one or two key fields (like roll number or consumer number etc.) for a particular retail customer. For example, if the school fee of a student is to be paid by a Retail/Saral user, the user will fill in the roll number of the student and the entire input form with correct particulars and amount will be displayed on screen to facilitate payment. In order to meet this requirement, the INB department at GITC has introduced the PrePopulation of Payer Data functionality in i-Collect. The advantages of the product are : Retail user is saved from the trouble of inputting data in all fields.Only correct amount is accepted. No reconciliation problems for the corporate customer.(ecir:510/2012-13 dt:23/08/2012)
MISC Central Data Centre (CDC) is located at Belapur, 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 software- 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.(ecir:460/2012-13 dt:07/08/2012) 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 departments, 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 addresses used by IPv4, and allows for more IP addresses 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 Government have also directed that all payment gateways should also be IPv6-ready by December 2012.(ecir:678/2012-13 dt:06/10/2012) INTRODUCTION OF CASH DEPOSITMACHINE (CDM) Cash Deposit Machine is a 'cash-in' kiosk that allows 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 allowed to deposit the cash to their mapped account(s). The deposit of Cash is through a bunch of loose notes upto a maximum of 200 pieces at any one instance (50
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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 Accountants 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. Department of Financial Services, Ministry of Finance, Government of India New Delhi has decided to disburse Govt. benefits under various social security schemes (approximately 32 schemes have been identified by MOF) Accordingly To facilitate linking of existing bank account to Aadhaar number, a new functionality of linking / seeding the UID / Aadhaar Number with the bank account has been developed by GITC, Belapur and activated in Banks CBS. 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 Day2012.(ecir:320/2012-13 dt:04/07/2012) The stipulated minimum balance of Rs. 25000/for issuance of State Bank Pride Debit Card, it is decided by the appropriate authority to waive the same.(e-cir:803/2012-13 dt:03/11/2012)Detailed Process to issue business Debit card is detailed in e-cir:855/2012-13 dt:22nd Nov,2012) it has since been enabled in Core Banking to issue Business Debit Card to jointly operated Current Accounts of Partnerships or Companies subject to
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