KNOWLEDGE SERIES 01-20

K SERIES 001

XPRESS CREDIT LOAN

~Personal loan 4 Salary account holders

~Min NMI 7500 /-
~Loan -Min -24K(TL) / 10L(OD)
-Max -24NMI sub to 15L (TL/OD)
*In case of teachers max is 12GMI
~Max tenure-60M
~EMI/NMI – 50%
~2nd loan can b santnd 1yr after disb f 1st (Max 2 at a time)
~2 CIR's for loans above 1L
~Int rate – BR + (3% to 5.5%)

K SERIES 002

SUKANYA SAMRIDDHI ACCOUNT, 2014

#SSA may be opened by the natural / legal guardian in the name of a girl child from the birth
of the girl child till she attains the age of ten years and any girl child who had attained the age
of ten years.
#Initial deposit Rs.1000/- & thereafter any amount in multiples Rs.100/-.
#Min Deposit in a year is Rs.1000/- & Max is
Rs.150,000/-.
#Min deposit tenure 14yrs from date of opening d account
#Int rate 9.2%
#Sample
Deposit Rs.1000/month for 14yrs
Maturity amt after 7yrs (ie at the age of 21) will be 6,42,954/-

K SERIES 003
Loan Life cycle Management System
LLMS has been initiated in SBI to automate the entire life-cycle of Credit Processes viz.
#Pre-Sanction Credit Process,
#Sanction Process and
#Post-Sanction Process
i.e. end-to-end from sourcing of business lead till final closure for all corporate loans of above
Rs. 5 Crore, which accounts for nearly 70% of the banks advances portfolio. This is being
implemented in all business groups of the bank viz.,
~Corporate Accounts Group (CAG),
~Mid Corporate Group (MCG),
~National Banking Group (NBG),
~International Banking Group (IBG) and
~Stressed Assets Management Group (SAMG).

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K SERIES 004

SBI FINANCIAL YEAR 2014-15

#Net Profit -13,102 Crores (20.3%)

#Operating Profit-Rs. 38,913C(21.19%)

#Gross NPA Ratio-4.25%(down by 70bps)

#Return on Assets- 0.68%

#Return on Equity- 11.17%
#Average Cost of Deposits- 6.34%
#Average Yield on Advances- 10.58%

#Deposits-Rs.15,76,793C
#Gross Advances-Rs.13,35,424C

#Net Profit of all Associates- Rs.3200C (15.23%)

#SBI Group net profit 16,994C(19.9%)

K SERIES 005

ASSET BACKED LOAN(ABL)

#Loan against mortgage of Immovable property (Compliant under SARFAESI Act)

#For build-up of current assets and fixed assets needed for business purpose, capacity
expansion, modernization, short term working capital
#Drop-line Overdraft facility
#Loan amount 10L to 20C
#Int rate BR+1.75%
#Max Repayment tenure 96M
#LTV - Loans upto Rs 10C 60% and then 50%
#Pre-payment penalty-2% of DP
#Penal interest- 2% of outstanding amount, if overdue by >7 days
#Property mortgaged needs to be within a radius of 25 km from the Branch
#Processing charge- 1%(Max 10L)

K SERIES 006

SBI SMS FACILITY

#Facility is available in SB, CA, OD & CC accounts only

#If customer is not getting the SMS for ATM related txn's, send a complaint to
sms.asc@sbi.co.in” with account details.

#If customer is not getting the OTP for Online Transaction through Debit Card, send a

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 KNOWLEDGE SERIES 01-20

complaint to epg.support@sbi.co.in

#SMS Charges Rs.15 per quarter.

K SERIES 007

ATAL PENSION YOJANA (APY)

Guaranteed Pension
Old Age Income Security of the working poor in unorganised sector and to encourage the
workers to voluntarily save for their retirement.
#Scope of Coverage 18 Years to 40 Years
#Payment Mode - Auto Debit to SB on every month(SI) till the age of 60
#Pension of 1000/2000/3000 /4000/5000 per month as per Choice of Subscriber
#Premium- Depending on the AGE of the Subscriber and Requested Pension Amount
#Administrator - PFRDA
#Facilitator - NSDL e-Governance Infrastructure Ltd

K SERIES 008

How to delete the First Name (Deceased) from the Account

In CBS the first name in the joint account is the owner of the account. The other names are
considered as co-depositors only.
in the event of death of the first person (i.e. owner of the account); we can allow to continue
the said account in the name of surviving codepositor.

Step-I:
#Customer Mngmt Amend
Customer Details
#Enter CIF No. of Deceased Customer
#Option: Select 5.Personal Details . *Transmit
#Date of Death: Enter Date of Death. *Transmit.

After authorisation go to Step-II

Step-II
#Customer Management
Create- Link CIF to Account
#CIF No: Enter CIF No. of 2nd Account Holder
#Primary System: CIF
#Associated Account: Enter Account Number
#System:Select DEP: Deposit
#Link Indicator: Select O: Own Accounts *Transmit

Authorise the transaction

Now the 2nd Account Holder will be the Owner of the account

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K SERIES 009

P SEG LOANS :
Obtention of Credit Information Report(CIR) from 2 Credit Information Companies (CICs)

*P Seg Secured Loans

#Home Loan above Rs 10L
#Car Loans above Rs.5L
#All other Secured Loans above Rs.5L
(including Education, 2 wheeler & Super bike loans)

*P Seg Unsecured Loans

# Personal Loans above Rs.1L
# Education Loans Above Rs.4L
# All other Loans above Rs.3L

#Report from one Credit Bureau has to be obtained for loans below the above said limits.

#CIC's
1)Credit Information Bureau Limited (CIBIL)
2)Equifax Credit Information Services Pvt Ltd ( ECISPL)

K SERIES 010

SBI Medical Equipment Finance Scheme

*New Product

#loan product offered to Doctors, Hospitals, Eye Centre, Diagnostics Centre and Nursing
Homes etc
#For Purchase of Equipment & Funding for ancillary equipment
#Quantum of Finance- Upto 20C
#Type of facility – Term Loan
#Tenure – 3 to 7 years ( Moratorium 6M)
#Margin
*Scores above 60% of Eligibility Cum Pricing Matrix:20% margin
*Below 60 score- 25% Margin
#Int rate BR+(1.25% to 2.5%)
#Processing fee 0.50%
*Min 1000 & Max 50,000
#Pre-Payment Fee
*Nil for Individual customers
#Security-
*Primary-Hypothecation of assets financed.
*Collateral-As per other SME loans

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K SERIES 011

How to generate soft copy of account statement through CBS.

CBS_Reports_
_Initiate request for host report

#Columns to be filled

*Branch code- 5 digit

*Report_id – IN055A
*Clearing type - MICR
*Immediately reqd - Yes
*D/C Flag – Keep it blank
*From & To Date
*Number parameter1 – Type the A/c No: here only

#Keep all other columns blank

#Generated statement will be available in Reports folder after sometime

*Reports_Today'sdate_ ReportsOnRequest

K SERIES 012

RINB New Developments

#M-Cash: Now RINB customers can remit money with help of beneficiary email ID or Mobile
Number. Which can be claimed by the beneficiary either thru State Bank mCASH app or
prelogin page of onlinesbi.com

#New RINB user can avail the INB facility by registering online by using his ATM card
credentials

#Instant Money Transfer: RINB customers may add instant beneficiary thru INB for withdrawal
of money by beneficiary thru ATM (cardless).

#OD against their TDR/STDR

#Regtn of PMJJBY and PMSBY

#Customer can approach any branch of his/her choice for availing INB. And can lodge a
request of resetting INB login pwd, if forgotten at any nearest branch, irrespective of his home
branch

#Inquire/Register/Cancel Nomination facility for SB/CA/STDR/TDR is made available

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K SERIES 013

Online Customer Acquisition Solution (OCAS)

#Mandate of Government: In terms of a mandate of the Govt of India, all banks are required
to provide an online platform to the customer to apply online for banking products with end to
end tracking facility.

#Important Features
OCAS currently includes retail loan products. SME and Agri loans, Deposits and Cross-
selling products will be included in the next phase.
Three stage (Screening, view quote and apply) online application for customers
“Get aCall Back” facility for customer.
Mouse over contextual help for customers.
Single page online application for Branches/ Sales Partners and Contact Centre.
Bulk uploading facility for leads received during Loan Melas.

#Benefits:
Establishes SBI proprietary Home/Auto/Personal/Education loan digital platform
Getting a quote becomes a hassle free journey for the customer
Enhances customer satisfaction by providing the best available loan quotes.
Online In-principle Sanction Letter to Customers.
Improvement in sourcing TAT.
Minimizes manual intervention in the quote & approval processes

K SERIES 014

SAVINGS PLUS ACCOUNT

Savings Plus Account is a Savings Bank Account linked to MODs, wherein surplus fund
above a threshold limit from the SB Account is transferred automatically to MOD(TDR/STDR)
opened in multiples of Rs. 1000.

#Payments in excess of available balance in the Savings bank Account can be made by
breaking MODs Last In First Out or Vice versa
#All other features of Savings Bank Account are applicable.

*Parameters
#Min MOD – 10000
#Min Threshold- 35000
#Min Resultant- 25000
#Tenure of MOD 1-5yrs

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K SERIES 015

SMALL ACCOUNTS
Small Deposit accounts are the same as Basic Savings Deposit account, but are opened
when the customer does not provide any Official Valid Document for full KYC.
#Allowed to open such an account on production of a self-attested photograph and affixation
of signature or thumb print, in the presence of an official of the Bank
#remain operational initially for a period of twelve months. And then for 12 months provided
customer submits an evidence of having applied OVD for KYC.
#Aggregate of all credits in a financial year does not exceed Rs.1 lakh
#Aggregate of all withdrawals and transfers in a month does not exceed Rs.10,000
#Balance in the account at any point of time does not exceed Rs.50,000
#Foreign remittances are not allowed to be credited unless the identity of the client is fully
established through the production of OVD

K SERIES 016

SCHOLAR LOAN
Loan for pursuing higher education in Premier Indian Institutions.
#Jointly in the name of the Student and Parent/ Guardian
#No Margin
#No processing fee
#Repayment period 12yrs after course + 6M moratorium

#Colleges are categorized into 4

1)LIST AA
*Upto Rs.30L without collateral
*IIM-A,ISB Hyd, ISB-Mohali
*Int rate BR+0.25%

2)LIST A
*Upto Rs.20L without collateral
*Upto Rs. 30L with collateral

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*35 colleges
*Int rate- BR+0.25%

3)LIST B
*Upto Rs.20L without collateral
*Upto Rs. 30L with collateral
*13 colleges
*Int rate – BR+0.50%
*Int concession of 0.25% for collateral and 2yrs work experience (only one concession s
allowed)

4)LIST C
*Upto Rs.7.5L without collateral *Upto Rs. 30L with collateral
*42 colleges
*Int rate- BR+ 1.75%
(1% int concession if int serviced as and when applied during course)

K SERIES 017

DEBIT CARD VARIANTS

1)Classic Card
*For Non Cheque book a/c’s
*ATM & POS Limit- 40K & 50K
*Annual Maintenance charge (AMC)- Rs.114/-
2)Silver Card
*For Cheque book A/c's
*ATM & POS Limit- 40K & 75K
*AMC- Rs.171/-
3)Global card
*ATM & POS Limit- 40K & 75K
*AMC- Rs.171/-
4)Gold Chip Card
*ATM & POS Limit- 50K & 2L

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*Foreign currency withdrawal $1000/ Equivalent

*AMC- Rs.171/-
5)Platinum Chip Card
*ATM & POS Limit- 1L & 2L
*Foreign currency withdrawal $2000/ Equivalent
*AMC- Rs.228/-
6)YUVA Card
*ATM & POS Limit- 50K & 2L
*AMC- Rs.171/-

7)State Bank Pride

*For business CA holders with QAB 25K to 5L or Loan worth 1L to 25L
*Gold card
*ATM & POS Limit- 1L & 2L
*AMC- Rs.342/-
8)State Bank Premium
*For business CA holders with QAB above 5L or Loans above 25L
*Platinum card
*ATM & POS Limit- 2L & 5L
*AMC- Rs.342/-

#ATM Replacement charge 204/-

#Repin charge 51/-

K SERIES 018

POLICY GUIDELINES FY 2015-16

TARGETS
#Operating Profit – 20%
#Net Profit – 22%
#Net Interest Income – 12%
#Cost to Income ratio should not exceed – 47%

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#CASA- Minimum – 44.5%

#Gross NPA Reduction – 20%
#Growth in Deposits – 15%
#Growth in Advances – 14%

K SERIES 019

SBI CAR LOAN

#AGE:-21-65 years
#Repayment – 7yrs(Repayment within 70yrs old)
#Min Income
1)Salaried – 3 lakh
2)Self-employed,Professionals, Proprietary/Partnership firms, Agriculturists & Businessmen- 4
lakh
#Max no: of applicants – 2
#Max loan amount
1)Salaried - 48*NMI
2)Agriculturists- 3*NAI
3)Others -4*(Net Profit or Gross Taxable Income)
#EMI/NMI
1)Upto 10 lakh – 50%
2)Above 10 lakh- 60%
#Margin 85% on road price for customers with NAI upto 10 lakh

#Int rate
Women- BR+0.40%
Men - BR+0.45%
#Processing Fee- 0.51%
(Min 1050 Max 10200)
#Loyalty Car Loan(For Home loan customers)
1)No Margin
2)Lien on title deeds for loan upto 5L and Extension of mortgage for car loan above Rs.5L
3)Int BR+ (0.15% and 0.20 %)

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K SERIES 020

CREDIT KHAZANA

The "SBI Credit Khazana" Scheme offers Housing Loan customers, concessions in interest
rates and margins when they subsequently avail of any of the following loans:
Car Loan, Education Loan, Personal Loan, Tractor Loan.
#Eligibility
Housing Loan customers who have serviced the loan regularly for at least one year and
where Equitable Mortgage has been created.
#Concession in Interest
There will be a concession of 0.25% in interest when any of the above mentioned loans are
availed.
#Concession in Margin
There will be a concession of 5% in case of Car Loan and Tractor Loan.
#Other terms & Conditions like Amount of Loan, Repayment, Documentation will be the same
as those laid down for the individual schemes.

anulal.babymohan@sbi.co.in

2015-16