INTERNET BANKING

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WELCOME ABOARD

The Internet banking portal of our bank, enables its retail banking customers to
operate their accounts from anywhere anytime, removing the restrictions imposed by
geography and time. It's a platform that enables the customers to carry out their banking
activities from their desktop, aided by the power and convenience of the Internet.

Using Internet banking services, you can do the following normal banking transactions
online:

Funds transfer between own accounts.

Third party transfers to accounts maintained at any branch of SBI
Group Transfers to accounts in State Bank Group
Inter Bank Transfers to accounts with other Banks
Online standing instructions for periodical transfer for the above
Credit PPF accounts across branches
Request for Issue of Demand Draft
Request for opening of new accounts
Request for closure of Loan Accounts
Request for Issue of Cheque Book

Apart from these, the other salient value-added features available are:
Utility bill payments
Online Ticket Booking for travel by Road, Rail and Air
SBILIFE, LIC and other insurance premia payments
SBI and other Mutual funds Investments
SBI and other Credit Card dues payments
Tax Payment – Income, Service, State Govt
Customs Duty Payment
Online Share Trading (eZ-trade@SBI)
Online Application for IPO
Fee Payment to select educational institutions including IITs and NITs

Truly smart services to cover most of your banking transactions. All this and much more,
from your desktop. [

Retail Banking

State Bank of India offers a wide range of services in the Personal Banking Segment
which are indexed here.
Click on each of them to access the details. Our products are designed with flexibility to suit
your personal requirements. Enjoy 24 hour facility through our ATMs - growing speedily it
has crossed the 21000 mark Watch this space for more details.
 SBI Term Deposits SBI Loan For Pensioners

SBI Recurring Deposits Loan Against Mortgage Of Property

SBI Housing Loan Loan Against Shares & Debentures

SBI Car Loan Rent Plus Scheme

SBI Educational Loan Medi-Plus Scheme

SBI Personal Loan Rates Of Interest

Experience a whole new world of banking at our newly opened Personal Banking Branches
(PBBs)- often dubbed boutique branches by others. Customer friendly knowledgeable staff
will cater to your financial requirements with speed and efficiency. Do visit one and find out
for yourself. for addresses of our PBBs.

DEPOSIT SCHEMES

Whatever your needs - an investment of your surplus funds or to create a fund for your
childrens' education and marriage. You will find a product from SBI that suits your
requirement, delivered at a branch close to you.

Open an account with any of our branches, all of them are fully computerised, and realise
the advantage of our vast network. Place funds in Multi Option Deposit Scheme, a term
deposit which is not fixed at all and comes with a unique break-up facility which provides
you full liquidity as well as benefits of higher rates of returns, through your savings bank
account. Alternately, keep that deposit intact by availing an overdraft facility, to meet your
occasional temporary funds requirements.

Want to build up savings slowly? Discover our Recurring Deposit Account. You can save a
little every month to build up the desired corpus to meet your future requirement of funds.

Our products are designed with flexibility to suit your personal requirements. Enjoy 24 hour
banking facility through our Internet Banking/ widest network of ATMs. Please watch this
space for more details.
Current Account Savings Plus Account

Savings Bank Account

Basic Banking 'No frills Account'
Term Deposits
Recurring Deposit Account

Special Term Deposits PREMIUM SAVINGS ACCOUNT

Multi Option Deposit Scheme Rate of Interest on Domestic Term Deposits

Scheme SBI Tax Savings Scheme, 2006
Demat Account

Experience a whole new world of Personal Banking Branches (PBB) often dubbed as
boutique branches by others. Customer friendly knowledgeable staff will cater to your
financial requirements with speed and efficiency in an excellent ambience. The PBBs have
different minimum thresholds for customers' business to ensure the exclusive level of
service. Please visit one and find out for yourself.

TERM DEPOSITS

Now you can earn a higher income on your surplus funds by investing those with us.We
provide security, trust and competitive rate of interest.
•Flexibility in period of term deposit from 15 days to 10 years.
•Affordable Low Minimum Deposit Amount: You can open a term deposit with SBI for a
nominal amount of Rs.1000/- only.
•Please check our Interest Rates online or simply email through our Helpline.
•Flexibility in choosing the amount you wish to invest and the maturity period.

Highlights

Safety - We understand the value of your hard earned money and continue to deliver on
our promise of safety and security over 200 years.
Liquidity
Loan /overdraft facility: You can avail a loan/overdraft against your deposit. SBI provides
you loan / overdraft up to 90% of your deposit amount at nominal cost. So you continue to
earn interest in your deposit and still can meet your urgent financial requirements.

Premature Withdrawal
Interest to be charged on premature withdrawal of term deposits at 1.00% below the rate
applicable for the period deposit has remained with the Bank.
•Transferability- Transfer of Term Deposits between our wide network of branches
without any charge.
• Compounding / Flexible / Timely Payment of Interest - Under our Special Term
Deposit Scheme, interest accrues in your account and gets compounded quarterly. Besides,
we assure timely delivery of the proceeds of your deposit with interest, on
maturity.Flexibility of payment on maturity through Cash (subject to prevalent Income Tax
Act), Banker's Cheque, Credit in Savings Bank/Current account.
• Term Deposits are available at all SBI Branches
• Easy and convenient access of 24X7 information at
• Nomination Facility - Available.
Tax Implications.

Tax Deductible at Source, as per Income Tax Act.From 01.04.2010, the rate of TDS will be
higher of 20% or the applicable rate in all cases where valid PAN is not quoted by the
recipient. The declaration filed in 15G and 15H shall not be valid unless the person filing the
declaration furnishes his/her PAN in such declaration.

Automatic Renewals

There is no need for you to keep track of the maturity of your deposits. Your deposits with
us will be renewed automatically, post maturity and you continue to earn interest for same
period as that of your matured deposit, at the interest rate prevailing at the time of
maturity. Automatic renewals take place where there are no standing instructions for
renewal.

Flexibility to covert your Special Term Deposit to Term Deposit and vice versa

 You can convert your special Term Deposit to a Term Deposit to receive
monthly/quarterly interest payments to match your financial requirements. Quarterly
interest at calendar quarter is also available.
 You can also convert your Term Deposit to a Special Term Deposit, which provides
compounded rate of interest to multiply your money faster.
LOAN AGAINST SHARES \ DEBENTURES
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Do you need urgent cash but you don't wish to sell or liquidate your holding of shares?

Leverage your investments in shares, debentures, public sector bonds and Government
securities for loans to meet unforeseen expenses!! You need not miss out on the next stock
market boom!!
Avail of loans up to Rs.20.00 lacs against your shares/debentures to enable you to meet
contingencies, personal needs or even for subscribing to rights or new issue of shares.

Note: Loan will not be sanctioned for

1. speculative purposes
2. inter-corporate investments or
3. acquiring controlling interest in company/companies.

Enjoy the SBI advantage

• Low interest rates. Further, we charge interest on a daily reducing balance!!
• Low processing charges; only 1% of loan amount - compare with 1-3% of others.
• No hidden costs or administrative charges..
• No prepayment penalties. Reduce your interest burden and optimally utilize your
surplus funds by prepaying the loan.
The Scheme

Eligibility
This facility is available to our existing individual customers enjoying a strong relationship
with SBI. This loan could be availed either singly or as a joint account with spouse in 'Either
or Survivor'/ 'Former or Survivor' mode. It is offered as an Overdraft or Demand Loan.

The facility is available at 50 select centers.

Salient Features

Purpose
For meeting contingencies and needs of personal nature. Loan will be permitted for
subscribing to rights or new issue of shares / debentures against the security of existing
shares / debentures. Loan will not be sanctioned for (i) speculative purposes (ii) inter-
corporate investments or (iii) acquiring controlling interest in company / companies.

Loan Amount
You can avail of loans up to Rs 20.00 lacs against your shares/debentures.

Documents Required
You will be required to submit a declaration indicating :
• Details of loans availed from other banks/ branches for acquiring shares/ debentures.
• Details of loans availed from other banks/ branches against security of shares/
debentures
Margin
You will need to provide a margin amount of 50% of the prevailing market prices of the
shares/ non-convertible debentures being offered as security. (The market prices refer to
the prices in the Stock Exchanges as reported in the Economic Times.)

Interest

Base Rate 7.60 % w.e.f. 21.10.2010

LOANS AGAINST SHARES / DEBENTURES / BONDS

Sceme Rate of Interest
Equity Plus Scheme 6.50% above

Repayment Schedule
To be liquidated in maximum period of 30 months through a suitable reducing DP
programme.

In case of a default or if the outstanding is over Rs.20.00 lacs, the shares/debentures will
be transferred in the name of the Bank.

Security:
Pledge of the demat shares/debentures against which overdraft is granted.