From : E-Group, STC, Salt Lake, Kolkata This message is intended only for the use of the Addressee and may contain information that is PRIVILEGED and CONFIDENTIAL. If you are not the intended recipient, dissemination of this communication is prohibited. If you have received this communication in error, please erase all copies of the message and its attachments and kindly arrange to notify stcsaltlake@xxxxxxxx immediately. Using Internet Explorer in ATM PC of your branch, please browse http://10.128.74.200 (our Intranet Web-Site). We have provided lots of Reading Materials for you at the site. Happy browsing! Dear Member, Kindly double click on the enclosed attachment to read it. With regards, Anup Sen, Moderator E-Group, STC, Salt Lake, Kolkata email : stcsaltlake@xxxxxxxx We shall be glad to receive your feedbacks through emails regarding the mails being sent to you through this e-group.Title: State Bank of India, Staff Training Centre, Salt Lake City, Kolkata
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Technology
Initiative in State Bank of India (Updated
upto April-2004) SBI?s
Information Technology Programme aims at achieving efficiency in operations,
meeting customer and market expectations and facing competition. Our achievements
are summarized below: FULL BRANCH COMPUTERISATION (FCBs) All the 9,038
branches of the Bank are now fully computerised. The task was completed in
January 2004. On 27th
January 2004 it was declared by the bank that all the 13,360 branches of State
Bank group were computerised. This
strategy has contributed to improvement in customer service. ATM SERVICES There are
3,300 ATMs on the ATM Network of State Bank Group. These ATMs are located in
898 centres spread across the length and breadth of the country, thereby
creating a truly national network of ATMs with an unparalleled reach. Value
added services like ATM locator, payment of fees for college students,
multilingual screens, voice over and drawal of cash advance by SBI credit card
holders have been introduced. INTERNET BANKING (INB) This on-line
channel enables customers to access their account information and initiate
transactions on a 24x7, boundary less basis. 961 branches, covering 207
centres, are extending INB service to their customers. All functionalities
other than Cash and Clearing have been extended to individual retail customers.
A separate Internet Banking Module for Corporate customers has been launched
and available at 66 branches. Bulk upload of data for Corporate, Inter-branch
funds transfer for Retail customers, Electronic Bill Presentment & Payment,
SMS Alerts, E-Poll, IIT GATE Fee
Collection, Off-line Customer Registration Process and Railway Ticket Booking
are the new features deployed. TELEBANKING & REMOTE LOGIN FOR
CORPORATE CUSTOMERS: This is a
Value added service to retail and corporate customers which support
Transactional requests. Tele banking facility has been extended at 575 branches
and Remote-Login at 262 branches. GOVT. BUSINESS: On Line Tax
Accounting System Software has been
developed and rolled out at all the branches. Electronic generation of all
reports for reporting, settlement and reconciliation of Govt. funds, is
available in the branches. STEPS State Bank
Electronic Payment System. Under STEPS, the bank?s electronic funds transfer
system, the products offered are eTransfer (eT), eRealisation (eR), eDebit
(CMP) and ATM reconciliation. STEPS handles payment messages and reconciliation
simultaneously. SEFT SBI has launched
the Special Electronic Fund Transfer (SEFT) Scheme of RBI, to facilitate
efficient and expeditious Inter-bank transfer of funds. 202 branches of our
Bank in various LHO Centres are participating in the scheme. Security of
message transmission has been enhanced. MICR Centres MICR Cheque
Processing systems are operational at 14 centres viz. Mumbai, New Delhi,
Chennai, Kolkata, Vadodara, Surat, Patna, Jabalpur, Gwalior, Jodhpur, Trichur,
Calicut, Nasik and Raipur. SBI CONNECT The project aims to create a WAN (Wide
Area Network) of all the branches and offices of State Bank Group. This project
is the largest Networking project in the world which will connect about 14,000
offices and branches. Till date more then 3,000 offices were connected in Metro
& Urban Centres and by the end of next year it is expected that more then
5,000 offices will be under this project. CORE BANKING SOLUTION The branch computerisation in SBI
started in the year 1992 with Bankmaster Software. In Bankmaster software, the
database is being kept at local level. Bank has now decided to go for a
Centralised Data Base System & Transaction Processing. The software for
Core Banking solution has been procured from FNS, Australia. TCS, the vendor
for the software was entrusted the task for customisation of the software. The
Transaction Processing Software is capable enough to handle transactions in 150
million accounts maintained by us. The first branch under core banking
solution went live on 29th August 2003 at PBB, Hiranandani Branch at
Mumbai. During last few months, several
branches were converted into Core Banking Solutions in various parts of the
country. It is expected that by June 2004, aggressive rollout plan will be
initiated and by the end of this financial year about 3,000 branches in Metro
and Urban centres with about total 70% of the bank?s business will be working
under Core Banking solution. CS-EximBills The Trade Finance Package was purchased from
China System by State bank and the implementation has been started throughout
the country. This will take care for all transactions regarding Trade Finances
like BG, LC, LoC etc. STATE BANK NETWORKED ATM SERVICES State Bank
offers you the convenience of over 3300 ATMs in India, already the largest network
in the country and continuing to expand fast! This means that you can transact
free of cost at the ATMs of State Bank Group (This includes the ATMs of State
Bank of India as well as the Associate Banks ? namely, State Bank of Bikaner
& Jaipur, State Bank of Hyderabad, State Bank of Indore, State Bank of
Mysore, State Bank of Patiala, State Bank of Saurashtra, and State Bank of
Travancore), using the State Bank Cash Plus card. State Bank
Cash Plus Domestic Card: India?s
largest bank is proud to offer you the latest in baning convenience viz. State
Bank Cash Plus card. With this card, there is no need to carry cash in your
wallet and you need not fear of overspending on your credit card! You can now
withdraw cash and make purchases anytime you wish to. Get a FREE
ATM-cum-Debit card with which you can transact for FREE at any of the 3300 plus
ATMs of State Bank Group within our country. Click here for the
list of ATMs in India or to find the nearest ATM you are looking for! Features Withdraw cash
from over 3,300 ATM of our group FREE and at around 5,000 ATMs
of other banks for a nominal fee. Make payments
for purchases by using the debit card at more than 52,000 shops, restaurants, etc
that display Maestro Logo. You do not have to pay any charges for using
the debit cards at these Point of Sale (POS) terminals. Recharge
pre-paid mobile phones of ORANGE, HUTCH and AIRTEL Topping of
mobile phones of ORANGE ,HUTCH and AIRTEL at select centres. Pay fees in
select / reputed colleges at select centres. Transaction Limits: Daily limit
of Rs 15,000.00 at the ATM Daily limit
of Rs 25,000.00 at Point of Sale (POS) terminal for debit transactions Combined
daily limit of Rs 40,000.00 Fees The State
Bank Cash Plus domestic card is available free of cost. Transaction
at Other Bank?s ATM Cardholders will now have wider reach. They can
access over 3,300 ATMs of State Bank Group, 1135 ATMs of UTI Bank and 870 ATMs of
HDFC Bank with immediate effect. The charges for accessing UTI Bank ATMs and
HDFC Bank ATMs would be Rs. 7.00 for balance enquiry and Rs.18.00 for cash
withdrawal. State Bank Group ATMs will be available to our customers at free of
cost. Apply for your card If you
already have a Savings Bank or Current Account with us, apply for State Bank
Cash Plus card at your branch. If you are not banking with us, start doing so
??? Please Note No charge is
levied for use of the card at merchant establishments No charge is
levied for use of the card for cash withdrawal from State Bank Group ATMs Nominal
charges will be levied for usage of cards for cash withdrawal at ATMs of other
banks State Bank Cash Plus International Card: This is an International ATM-cum-Debit
card with which you can enjoy shopping at over 52,000 establishments in India
and over 7 Million establishments worldwide displaying Maestro Logo,
wherein the amount you spend on your card is automatically debited to your
account. Withdraw cash from over 7,000 ATMs in India and more than 8,20,000
ATMs across the globe displaying Cirrus Logo. In India, it would
function as the State Bank Cash Plus Domestic card. Transaction Limits Daily limit
of 1000 USD or equivalent at the ATM Daily limit of
1000 USD or equivalent at Point of Sale (POS) terminal for debit transactions Combined
daily limit of 2000 USD Fees The State
Bank Cash Plus International card is available for a fee of Rs 200/-. Apply for your card If you
already have a Savings Bank or Current Account with us, apply for State Bank
Cash Plus card at your branch. If you are
not banking with us, start doing so ??? Experience
Anytime Anywhere Banking with STATE BANK. Call us at our toll free*
1600-112211. * New Delhi,
Mumbai, Kolkata, Hyderabad, Bangalore, Chennai, Chandigarh, Lucknow,
Bhubaneshwar & Bhopal. Enhanced Convenience
FREQUENTLY ASKED QUESTIONS ( FAQs) : ATM PROJECT Q.1 What are the functions of call
centre? Q.2 When ATM-cum-Debit card is lost or
misplaced what immediate steps are to be taken ? Q.4 What is the validity of
ATM-cum-Debit Card? Q.5 If lost card is subsequently
found/traced and restored to cardholder, can it be reactivated ? Q.6 What is Fast Cash ? Q.7 What is Cash Withdrawal ? Q.8 What to do if you are getting the
message on the ATM ?INVALID CARD? ? Q.9 Does Bank bears any liability for
unauthorised use of the Card ? Q.10 What is Mini Statement ?
Q.12 How can the existing NRI customers
apply for ATM-cum-Debit Cards? Q.13 How secrecy of PIN is maintained? Q.14 How often PIN can be changed? Q.15 What are the transaction limits as
per Exchange Control? Q.16 Who decides the exchange rate? Q.17 What is the procedure for cards
reported lost or stolen? A. If the cardholder is in India, he
should at once contact the toll-free help line no. 1600112211, to report the
loss of card. If he is abroad he can contact the help line through telephone
no. 0091-124-2345141. The help line will ask additional information about the
cardholder viz. Father?s first name, mother?s maiden name, Date of birth, year
of passing secondary school examination, year of marriage to ensure that the
caller is the card holder and communicate to the Switch centre for blocking of
the card. Q.18 Is Bank responsible for the refusal
by any Merchant Establishment (ME) or Point Of Sales to accept or honor the
card? Internet Banking www.onlinesbi.com is the Internet banking service of the State
Bank of India. India's Premier Commercial Bank. Smart products for the
smart customer. If you?re a customer of our Bank and if your Branch is e-nabled
then you?re on to becoming an e-customer. All you need is Internet connectivity
-Anywhere. And of course you will also need to sign-up for Registration. Just
fill in the enclosed application form and mail it to the Branch*. You will
shortly receive your User-Id and Password. As soon as you receive them please
log on to the www.onlinesbi.com and change your password. That's all. Simple,
fast and convenient - anytime -anywhere - always open. You can now check your
account balances, view your account, request for cheque book, drafts, Bankers
cheques, stop cheque payment and issue standing instructions. 1. All
requests received from the USERS are logged and transmitted to the User?s
Branch for their fulfillment. The requests become effective from the time these
are recorded/ registered at the respective branch. While registering the
request, the USER is informed about the time normally taken by the Bank for
fulfillment such requests. 2. The rules
and regulations applicable to the banking transactions done in the traditional
way in India will be applicable mutatis mutandis for the transactions done
through the www.onlinesbi.com service. 3. Disputes
between the registered USER of this service and the Bank with regard to the
transactions done through www.onlinesbi.com will be subject to the jurisdiction
of the competent Courts where the branch maintaining the relative account of
the user is located and will be governed by Indian Laws in force from time to
time. 4. The Bank
will take reasonable care to make use of the available technology for ensuring
security and preventing unauthorised access to any of the services offered
through the www.onlinesbi.com. 5. The www.onlinesbi.com service is a ?VeriSign?
certified secure site. It assures that during the session user is dealing with
web-site of SBI. The two-way communication is secured with 128-bit SSL
encryption technology, which ensures the confidentiality of the data during
transmission. The access-control methods designed on the site afford a high
level of security to the transactions conducted on www.onlinesbi.com. 6. It is
proposed to implement, in due course, the PKI (Public Key Infrastructure)/Digital
Signature technology for the www.onlinesbi.com Service. 7. The Bank
reserves the right to modify, change, add or cancel any of the services offered
through www.onlinesbi.com or the Terms of Service listed in this Document
without prior notice to the Users. The changes will be notified to the users /
customers through a notification on the site. USER/s
Obligations : 1. The
User-Id and the Password given by the Bank must be replaced by User Name and
Password of the USER if free to choose at the time of FIRST log-in. This is
Mandatory. 2. The
registered USER is free to choose a User Name and Password of his choice as per
the guidelines on the site. However, he/she is advised to avoid choosing a
password that is generic in nature, guessable/inferable from the personal data
such as name, date of birth, address, telephone number, driving licence/car
number etc. 3. The USER
is welcome to access www.onlinesbi.com from anywhere anytime. However, as a
matter of precaution and safety, he should avoid using PCs with public access. 4. There is
no way to retrieve the Password from the system. In case the USER forgets
his/her Password, he/she will have to approach the branch for re-registration. 5. The USER
must keep the user name and Password strictly confidential and known only the
himself/herself. It is a good practice to commit the password to memory rather
than write it down somewhere. Bank will not be responsible for any loss
sustained by the USER due to breach of this condition. 6. The Bank
presupposes that log-in using valid user name and Password is a valid session
initiated by none other than the USER to whom the said user name and Password
belongs. 7. All
transactions executed through a valid session as defined above will be
construed to have been emanated from the registered USER and will be legally
binding on him/her. The USER is cautioned against leaving the computer
unattended during a valid session. 8. Should the
USER notice that any information relating to his/her account(s) is incorrect or
discrepant the same should be immediately brought to the notice of the
Branch(es) by e-mail or letter. 9. The USER will not attempt or permit
others to attempt accessing www.onlinesbi.com through any unlawful means. www.onlinesbi.com ? Internet Banking ?
FAQ's What is Internet Banking ? Ø
access and
view your account(s) to keep transactions and balance status. Ø
make account
enquiry by transaction type/ between dates/by amount etc. Ø
request for
transfer of funds between your account(s) at the host Branch. Ø
request for
third party transfer of fund from your account(s) at host Branch. Ø
request for
issue of cheque books. Ø
request for
Stop Payment of cheque. Ø
request for
issue of Drafts/Bank Cheques from the funds in your account. Ø
request for
issue of Term Deposits/Special Term Deposits. Ø
request from
renewal of TDRs/STDRs. Ø Issue Standing Instructions on your
account. Which are the designated host Branches
offering www.onlinesbi.com ? SMS Alerts SMS Alerts are the fashionable way to
keep track of critical activity on your accounts. In a significant step towards
enabling anytime-anywhere banking, OnlineSBI.com now enables you to receive
alerts on your mobile phone. You may ask to be alerted when the balance on your
account goes above or below a particular amount; or when a transaction of
greater than a specified amount hits your account; or when an interest is
applied on your account.
What is more - you can be in any part of
the world and you can still avail of this service. Receiving alerts on your
mobile phone is a two-step process.
1. Set your mobile number. Be sure to
correctly select the country the mobile number belongs to.
2. Define your alert criteria; be it
balance alert or a transaction alert or an interest alert.
We will now do the hard work of alerting
you when these events happen on your account.
We are planning to introduce many more
alerts in the days to come. In the meanwhile, get familiar with banking - the
SMS way. e-PAY A simple and convenient service for
receiving and paying your bills online v
No more late payments v
No more queues v
No more hassles of depositing cheques OnlinePay: Using SBI e-PAY you can 'see and pay'
your various bills online, directly from your SBI Account. You can pay
telephone, electricity, insurance, credit card and other bills - from the
comfort of your house or office, 24 hours a day, 365 days a year! Simply logon
to http://www.onlinesbi.com/ to 'see and pay' your bills. You also get an
electronic acknowledgment for every bill paid by you using e-PAY. AutoPay: You can also set up AutoPay instructions
with an upper limit to ensure that your bills are paid automatically whenever
they are due. The upper limit ensures that only bills within the specified
limit are paid automatically, thereby providing you complete control over these
payments. The e-PAY service is available in
various cities across the country and you can now make payments to several
billers in your region. To see the complete list of billers to whom you can
make payments and to read the Frequently Asked Questions in respect of these
billers, click here .
To start receiving and paying your bills
online, simply login to http://www.onlinesbi.com and use the 'Add Biller'
feature to select the billers you wish to make payments to. Alternately, you
can also fill out the SBI e-PAY Registration Form (SeRF) available at your SBI
branch, complete it and submit it to the branch. What is SBI's e-PAY service? SBI's e-PAY is a service that allows you
to 'see and pay' various bills over SBI Internet Banking, 24 hours a day, 365
days a year. Instead of using a cheque or standing in queues, you can pay the
biller directly from your SBI account using the e-PAY service. You can also set up your payment
instructions for a later date. Payments will be processed on those scheduled
dates and sent to your billers. You can also set up AutoPay instructions for your
bills and specify an upper limit for payments. Bills within this specified
limit will get automatically processed for payment whenever they are due. The e-PAY service is available in
various cities across the country and you can now make payments to several
billers in your region. Who can I pay using SBI e-PAY? Using e-PAY you can pay bills of various
Electricity, Telephone, Mobile, Credit Card, Gas and Insurance companies. You can
pay the bills of the billers that you have registered for with the Bank using
Internet Banking or by submitting the e-PAY Registration Form at the branch. Billers you can pay using e-PAY fall
under three categories: View and Pay Bill ? In case of such billers, the bills can
be viewed at www.onlinesbi.com before payment. This will be in addition to the
paper bills received by you. You need to add each biller in respect of whom you
want to avail of the e-PAY facility. The bills will be presented to you from
the next billing cycle and you can make payments through e-PAY against such
electronic bills (eg MTNL Mumbai, LIC). Pay Bill ? These are billers who present bills only
in the paper format, and hence no bills will be presented at www.onlinesbi.com.
However, such billers accept payments electronically. You can therefore make
payments immediately to such billers after you have added them online to your
biller list. In such cases it is advisable that you keep your bill handy while
making payments on www.onlinesbi.com (eg Hutch Delhi, RPG Cellular Chennai). Payment Only ? These are entities who do not normally
raise bills, but directly accept payments (eg charities - CRY, Trusts -
Siddhivinayak Temple). You can therefore make payments immediately to such
entities after you have added them to your biller list. How do I start using the e-PAY service? To use e-PAY, you first need to be a
registered user of SBI Internet Banking. You can then log into
www.onlinesbi.com and start using the features of e-PAY by clicking on the Bill
Payment option. You can add a biller
using the "Add Billers" option. To add a biller to your personal list
of billers, select the city and then select the biller. You will need to provide
a Nickname and certain Biller Specific Details, as described below: Nickname - is the reference name for a biller that you have added
(eg Hutch, Home) Biller Specific Details ? These are used identify your account
with the biller and are mentioned on every paper bill sent to you by the
biller. For instance, to add MTNL as a biller the Biller Specific Details that
you need to provide are the 'Customer Account Number' and the 'Telephone
Number'. Please provide such information accurately so as to facilitate us and
the biller to relate to your service correctly. We suggest that you keep a
recent bill with you handy when you input the Biller Specific Details. You can
also register your billers by downloading the e-PAY form from the site or
picking up an e-PAY form at your branch. Fill in the biller details, sign the
form and submit the same at your branch. When will I receive my bill on
www.onlinesbi.com after I register? When can I pay? After you register, it typically takes
between 7 days - 20 days to register your request with the biller. For
"View and Pay Bill" billers, you would receive an electronic bill on
www.onlinesbi.com within 31 days of registration (where the billers generate a
monthly bill). The bills will be presented to you from the next billing cycle
and you can make payments through e-PAY only against such electronic
bills. For "Pay Bill" and
"Payment Only" billers, you can make a payment immediately after you
have added the biller online to your biller list. Can I pay someone else's bill? Yes, you can pay someone else's bill. To
do so you will have to add the Biller Specific Details of the person whose bill
is to be paid. How does a biller know that I am using
the Bank's service? You need to provide your Biller Specific
Details while adding a biller. We will verify and confirm the association with
the biller so that bills can be presented to you and you can make payments. What acknowledgement/receipt do I get
for a payment made through e-PAY? For each payment made through e-PAY, you
get an instant electronic acknowledgement/receipt that has a Transaction
Reference Number. You have the option of printing this receipt for your
records. What is "AutoPay"? The 'AutoPay' option is a standing
instruction that you can set up for a "View and Pay Bill" biller that
you have registered for. You can also fix an upper limit for payments. Bills
within this specified limit will get automatically processed for payment
whenever they are due. Each bill for amount greater than the specified can only
be paid against your specific authority.
You can cancel or modify the AutoPay option for the biller through the
"Edit AutoPay" option under the Bill Payment section. How do I view the payments I have made
in past? Payments that you have made in the past
that are already processed can be viewed using the "View Payments"
option under the Bill Payment section. You can also take a printout of the paid
bills. A payment that you have scheduled for a future date will be available
under the "Scheduled Payments" option under the Bill Payment section.
What are the other features available on
e-PAY? Through e-PAY, you can receive
electronic bills, make payments and set up and manage various billers. Click
here to view a detailed description of each of the options available under the
Bill Payment section at www.onlinesbi.com Are there any charges for using this
service? No, there are no charges for using the
e-PAY service. It is free! Will I still receive my paper bill? Yes, you will continue to receive your
paper bill as usual from your biller. What happens if I have a dispute with a
Biller on the bills paid over e-PAY? The Bank shall assist you in every
possible manner to provide you with information on the bills presented and
payments that you have made. However, please note that the Bank is not
responsible for settling disputes between the biller and you relating to the
bill payments. For any specific charge that you might wish to dispute or
discuss in a specific bill, you would need to contact the biller directly. What are the consequences of not paying
a bill that is presented to me? We will not be able to make a payment to
the biller unless you specifically authorise a payment. You could provide this
authorisation online either on a case-to-case basis or through the AutoPay
feature in respect of bills within the upper limit fixed by you. Accordingly,
should you not pay a bill that is presented to you the specific terms and
conditions laid down by biller for late or non-payment of bill could become
applicable. Can I cancel my registration request? Yes, you can cancel your registration
request for a biller by using "Delete Biller" option available under
the Bill Payment section. After you have cancelled your registration for a
biller, you will not be able to receive electronic bills or make payments to
that biller. e-Rail 1. All Internet banking customers can
use the facility. 2. You are required to register on www.irctc.co.in. You can
select your train depending on your journey and book your ticket
online. 3. On giving payment option as SBI, the
user will be redirected to onlinesbi.com. After logging on to the site you
will be displayed payment amount, TID No. and Railway reference no. 4. On selecting the payment amount your
account will be debited. You will return to www.irctc.co.in . The
ticket with PNR No. will be displayed. You can print the ticket. 5. The ticket can be delivered or
collected by the customer. 6. The user only at New Delhi can
personally collect the ticket. 7. The Payment amount will include
ticket fare including reservation charges, courier
charges and Bank Service fee of
Rs 10/. The Bank service fee has been waived for one
month. 8. For cancellation , the has ticket to
be presented over reservation counter. 9. No cash will be paid at the time of
cancellation. Only cancellation ticket will be issued. Your account will
be credited after 4 days. 10. SBI shall not be responsible for any
delays or disputes regarding tickets Corporate Internet Banking To cater to Corporate needs, SBI
Corporate Internet Banking now has three offerings. Ø Khatha Ø Vyapaar Ø Vistaar KHATA : For Small sized Organisations Overview ü Only Enquiry rights on the accounts ü Facility limited to view account information that too at one branch
only ü All the authorised users from the corporates get a complete view of
information ü Facility available at all the Internet Banking branches of State
Bank of India ü Most suited for small firms, companies, institutions banking with
one branch of SBI ü To subscribe please download this form and mail it to your branch. VYAPAAR : For Small and Medium sized
Organisations Overview ü Two types of users: Administrator and Banking users ü Small user group with discretionary access and discretionary rights
ü Some Online transactional feautres offered ü Online Transactions permitted upto Rs. 5 lacs per transaction ü Facility restricted to dealings with one branch only ü Facility available at Selected Internet Banking branches of State
Bank of India ü To subscribe please download this form and Contact your branch. VISTAAR : For Large and Very large
Organisations. Overview ü Three types of users: Administrators, Banking Users and Auditors ü Elaborate control mechanism for users within the Corporate ü Elaborate user hierarchy with discretionary access and
discretionary rights ü Access to accounts across branches with a single sign on ü All the Online transactional functionalities offered ü Transactions across the Internet Banking enabled branches ü Unlimited amount of online transactions ü Facility available at Selected Internet Banking branches of State
Bank of India TeleBanking 1. What is
"Telebanking"? This is a
secure, fast & convenient way to obtain a range of services by using a
telephone without visiting the branch eg information on account, conduct of
selected transactions, report loss of ATM card, order a cheque book, draft etc. 2. Who can
avail the facility? Any
individual customer of the branch which is offering this facility, on
application can avail the facility subject to the Branch Manager's discretion. 3. What are
the services available under "Telebanking"? Ø
Online
balance inquiry. Ø
Details of
transactions Ø
Last five
transaction Ø
Transactions
from a recent date Ø
Request for
service Ø
Cheque book
request Ø
Funds
transfer request Ø
Drafts
request Ø
Request for
statement of account Ø
From the date
of last statement Ø
From a specific
date Change on PIN...etc. 4. Is the
system fully secure? How safe is it to transact through this? The facility
is protected with two level passwords in addition to the Customer's account
number which is his login ID. The Customer should be careful to maintain
secrecy of his password & PIN number. 5. What
infrastructure should one have to avail the facility? The Customer
has to call from a telephone with tone dialing facility. For fax of his
statement of account, he should have a telefax. 6. Can any
Customer have the facility? All
individual customers in Personal segment except those whose accounts are
operated through joint signature and whose accounts are not running
satisfactorily, can avail the facility. Even the minors who are allowed to open
and operate account can seek to avail the facility. 7. How does a
customer enrol/register for availing the facility? The Customer
is required to apply for the facility in the application form prescribed for
the purpose. After scrutiny, the Branch will register the name & allot the
PIN & Transaction password which the Customer will change on his first log
in for a number of his choice. 8. Is the
facility available at all branches of SBI? Presently the
facility is available in select fully computerized branches. 9. Is there
any charge for availing the "Telebanking"? The service
is provided 'free of charge'. 10. What
happens if one forgets his 'PIN' / Transaction password? The customer
has to re-apply by a simple letter. The Branch Manager after due scrutiny will
allot a new PIN & Transaction password. 11. Are the joint account holders
eligible for the facility? If a joint account is operated by, 12. Is the facility available for both
Savings & Current account holders? Yes. The facility is available for all Customers
having Savings/Current accounts in their individual capacity at the branches
offering the facility. 13. Are information on account &
transactions conducted 'Real Time'? The information/transactions through
tele-banking are not exactly but almost 'Real Time' (i.e. Immediate). The
account information & transactions are obtained from a PC loaded with the
latest information of the accounts from Branch's books through periodic
"Data pumping" exercise at an interval determined by the Branch based
on their perception of Customer's requirements. 14. How is
the Cheque Book delivered through 'Telebanking'? Can it fall in wrong hands? If the Bank
gets the instruction to mail the cheque book, it will be couriered only at the
address registered with the Bank. Any misuse of the system can be averted if
the Customer ensures that the address and any change therein are correctly
recorded with the Bank. 15. How does
the Customer benefit by availing the 'Telebanking' facility? The customer
can access information to his account and do a few transactions without
visiting the branch even when he is out of station, that too; around the clock.
Thus, the facility carries with itself the advantages of convenience, economy
and efficient time management. SBI Vishwa
Yatra Foreign Travel Card
Frequently Asked Questions ( FAQs) : SBI
VISWA-YATRA CARD Ø
Passport Ø
Form A2 Ø
Airline
Ticket and Ø
PAN / Form 60
(in the absence of a PAN )
1. You can authorise the Bank to debit
your account and reload the card. SmartGold Card "SmartGold"
is an IOC co-branded SmartCard with chip embedded in the card.You can store the
value of money in the form of e-purse and can spend the amount at any of the
IOC outlets or over 500 merchant establishments enrolled for the purpose in
Mumbai. The total value of amount that can be
stored on the SmartGold is Rs 20,000/- and you can re-load the card with any
amount you like upto this limit. a)
to carry out
normal ATM transactions at the Bank's networked ATM across the country
including reloading of the e-purse by on-line debit to your account with the
Bank. b)
to buy goods
and services including petrol and lubricants at merchant establishments and IOC
Petrol Pumps enrolled by the Bank in Mumbai and other cities as announced by
the Bank from time to time. c)
to make
utility payments like Electricity, Telephone, Mobile, Pagers, Insurance etc.
out of the e-purse at select outlets and SBI Branches as announced by the Bank
from time to time for the purpose Fee FAQs : SMARTCARD 1. Where do I get the applications for
the SmartCard ? 6. Does loyalty awarded to me expire ? 7. What do I do if I lose my card ? 8. How & Where do I surrender the
Card ? 9. Is there any transaction fee levied
at merchant outlets/IOC Petro Pumps ? Terms & Conditions for Cardholders of SMARTCARD 1. "SMARTGOLD" is a trade name of the Smart-cum-ATM
Card issued by State Bank of India (hereinafter referred to "Bank").
"SmartGold" shall mean SBI-IOC co-branded Smart-cum-ATM Card , which
may be used to avail of ATM related services at the Bank's networked ATMs and
to effect merchant transactions at select retail outlets and IOC Petrol Pumps
as specified from time to time by the Bank. 2. "CARDHOLDER" refers to the authorised user of
"SmartGold" Card. 3. "CARDHOLDER's ACCOUNT" shall mean any account nominated by the
cardholder in respect of SmartGold Card. 4. "SMARTGOLD" Card shall be issued by SBI to its S/B,
C/A or MOD account holders who have satisfactorily maintained their accounts
with the Bank except for 'Minor's Accounts". In the case of joint
accounts, all the account holders may be given separate SmartGold Card linked
to the same joint account. 5. OWNERSHIP: The SmartGold Card, though co-branded
with IOC, is and will be at all times, the property of SBI and shall be
returned to the Bank unconditionally and immediately upon the Bank's request.
The Bank reserves the right to cancel/withdraw at any time without prior
notice, or to renew at its discretion, the SmartGold Card and/or any of the
services thereby offered at any time. The SmartGold Card is not transferable
under any circumstances and shall be used only by the Cardholder. 6. "PIN" The Cardholder will also be required to
exercise the use of PIN for SmartGold for effecting merchant payments. The
Cardholder shall have the discretion to have two separate 4-digit PINs for
effecting ATM transactions and merchant transactions. PIN will be for the
Cardholder's personal use, strictly confidential and not transferable. PIN
should not be disclosed to any third party under any circumstances or by any
means. All transactions conducted with the use of the PIN will be the
responsibility of the Cardholder and the Cardholder will abide by the record of
the transaction as generated. 7. CARDHOLDER'S LIABILITY: The Cardholder will be responsible for
all transactions effected by the use of SmartGold Card and he/she will
indemnify the Bank for all the losses or damages caused by any unauthorised use
of the Card or related PINs. In case of joint account holders, all account
holders regardless of who has/have been issued the Card(s), will be jointly and
severally liable for all the transactions effected with the use of SmartGold
Card. 8. OVERDRAWING: The cardholder shall not be entitled to
overdraw his/her account with the Bank by using SmartGold. However, the Bank
shall have the right to set off and lien, irrespective of any other lien and/or
charge present as well as future, on the deposits held in the cardholder's
account whether in single or joint name(s) to the extent of all outstanding
dues, whatsoever, arising as result of SmartGold Card services extended to
and/or used by the cardholder with interest/cost/damages etc., if necessary. 9. HONOURING SMARTGOLD AT MERCHANTS'
OUTLETS: The Bank
will not be liable for any failure to provide any service or to perform any
obligation where such failure is attributed (whether directly or indirectly) to
any malfunctioning of SmartGold Card , SmartCard Readers, temporary
insufficiency of funds on the Card, any dispute with the merchant or other
circumstances beyond the Bank's control. The Bank will not be liable for any
consequential or indirect loss or damage, arising from or related to the use of
SmartGold. Any statements/receipts issued by the Bank's ATMs or SmartCard
Readers at the time of cash load or spend at Merchant Outlets shall be
conclusive unless verified otherwise by the Bank. Any such verification shall
likewise be final and conclusive and binding on the cardholder. The selection
and availability of merchant establishments will be at the Bank's sole
discretion and subject to change without notice. 10. DEFECTS IN GOODS & SERVICES: The Bank shall not responsible for any
defective goods and/or services, merchandise purchased by the Cardholders using
SmartGold Card from Merchant Establishments/IOC petrol pumps as specified by
the Bank from time to time. ATM CARD 11. "PIN" The CardHolder is initially allotted a
computer generated 4 digit PIN (Personal Identification Number) which will be
in a secured and sealed PIN Mailer. The CardHolder is advised in his own
interest to change this PIN to any other four-digit number of his/her choice.
For this purpose, he may use the PIN change option available at the SBI-ATMs.
While selecting a PIN, the cardholder is advised to avoid a PIN, which can be
easily associated with him/her (e.g. Telephone number, date of birth etc.).
Besides, the selected PIN value should not comprise : A sequence from the
associated account numbers, String of the same number or Historically
significant dates Please remember that an unauthorised
person can access the ATM services on card holder's account if he gains the
card and the PIN. The Card, therefore, should remain in CardHolder's possession
and should not be handed over to anyone else. The Card is issued on the
condition that the Bank bears no liability for the unauthorised use of the Card.
This responsibility is fully that of the CardHolder 12. DEBIT TO CUSTOMER'S ACCOUNT: The Bank has the expressed authority to
debit the designated account of the card holder for all withdrawals/transfers
effected using the Card as evidenced by Bank's records, which will be
conclusive and binding on the Card Holder. 13. TRANSACTIONS: The transaction record generated by the
ATM will be conclusive and binding unless found to be otherwise on verification
and corrected by the Bank. The verified and corrected amount will be binding on
the CardHolder. Two officials of the Bank will verify deposits (cash and / or
cheques etc.) and their account will be deemed to be correct. Errors will be
notified to the CardHolder by mail. Outstation cheque, drafts, dividend warrants
etc. will normally be accepted on collection basis/immediate credits subject to
Bank's existing terms and conditions governing such business. 14. ADEQUACY OF BALANCE The ATM service is for withdrawing cash
against the balance that is already available in your account. It is therefore
the CardHolders' obligation to maintain sufficient balance in the designated
account to meet cash withdrawals and service charges. GENERAL 15. REPLACEMENT/NEW CARD: The Bank shall debit the Cardholder's account
a charge of Rs.250/- for replacing a lost/stolen/damaged card. 16. ENROLLMENT CHARGES: The Bank shall be authorised to debit
the Cardholder's account for an enrolment charges of Rs.250/- at the time of
issuance of SmartGold Card. Subsequently, the Bank shall be debiting an annual
fee of Rs.100/-during the validity of the Card. These charges will be
non-refundable. 17.OTHER MISCELLANEOUS CHARGES: The Bank shall also be authorised to
charge a reasonable fee as advised to the Cardholder from time to time, for
issuance of a Detailed Statement of transactions using SmartGold Card/Duplicate
Statement etc and other miscellaneous services such as utility payments as and
when offered. The Card Holder expressly authorises the Bank to debit the
designated account with service charges from time to time. 18. LOSS/THEFT OF THE CARD: The loss or theft of SmartGold should
be reported to the Bank immediately and confirmed in writing on or before the
next working day. The Bank shall bear no liability whatsoever for any loss or
damage arising from the unauthorised use of the Card and related PIN howsoever
caused. The Card once reported as lost or damaged, can not be used again by the
Cardholder even if is found subsequently. While the Bank will take all
reasonable precaution and steps to disable use of the lost/stolen SmartGold
Card on the receipt of the written communication from the Cardholder, the
Cardholder will continue to be responsible for all transactions effected by the
use of the Card. Under no circumstances, the Bank liability will exceed the
unspent balance available on the Card on the date of settlement with the
Cardholder after the expiry of the Card or issuance of the replacement Card
whichever is earlier. 19.RIGHT OF DISCLOSURE: The Bank reserves the right to
disclose, in strict confidence, to other institutions such as Reserve Bank of
India, Tax Authorities, Government Departments including IOC etc. such
information concerning the Cardholder's SmartGold Card as may be necessary. The
Bank also reserves the right to disclose as appropriate in connection with its
participation in any other SmartCard Programmes and or Networks in future. 20. NOTICE: Any notice hereunder sent by ordinary
post or courier will be deemed to have been received by the Cardholder within 7
days at the address last notified in writing to the Bank by the Cardholder. 21. RIGHT OF TERMINATION: The Bank shall be entitled to terminate
the SmartGold Card facility at any time without any prior intimation to the Cardholder
upon the occurrence of any of the following event: (a) Failure on the part of the
cardholder to adhere to or comply with the terms and conditions herein set
forth; or An event of default under any agreement or commitment(contingent or
otherwise) entered into with the Bank; or (b) The Cardholder becoming any subject
of any bankruptcy, insolvency proceedings or proceedings of a similar nature;
or (c) Demise of the cardholder. (d) The Bank also reserves the right to
withdraw the SmartGold Scheme at its sole and absolute discretion at any time
without assigning any reasons therefore. 22. Closing of Accounts: The Card Holder wishing to close the
designated account or surrender the SmartCard-cum-ATM Card will give the Bank
10 working days notice in writing and surrender the Card along with the notice. 23. Validity of Card: The Card is valid for 4 years from date
of issue. For this, the last day of the month of issue is taken into
consideration.Please note that if the card is used after expiry, it will be
either be retained or rejected by the ATM/SmartCard Reader. 24. DISRUPTION IN SERVICES: The Bank shall not be liable for any
delay or failure of performance caused by reasons such as unforeseen failure of
microprocessor on the SmartGold Card, failure of electronic devices such as
SmartCard Readers/POS terminals, reading device defects, disruption due to
telecom failure, network failure etc. Such disruptions in services shall also
include causes beyond the scope of the Bank's control or for defaults and failures
of its suppliers and associates and for all delays/failures due to acts of God
including natural disasters, riots, civil commotion, flood, fire etc. 25. AMENDMENT
IN TERMS AND CONDITIONS: The Bank reserves the right to amend, delete, and enhance the
scope of these terms and conditions without prior notice to the Cardholder State Bank
Electronic Payment System (STEPS) State Bank
Electronic Payment System (STEPS) is a highly innovative and effective payment
solution designed, developed and implemented by State Bank of India in selected
Fully Computerised Branches (FCBs). STEPS provides an end-to-end fully
automated Electronic Funds Transfer (EFT) to ensure availability of funds at
the destination with speed and efficiency. STEPS ensures credit of funds to the
beneficiary?s account at the other branch on the next day.
DEMAT : Depository Participant Services
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