To MADE EASY Final Edition

TO MADE EASY
(Updated up to 06.07.2017)
(A BOOKLET FOR TRAINEE OFFICER AND JMGS I EXAM)
COMPILED BY: AMIT TANWAR

DEPUTY MANAGER (TO-2014)
AHMEDABAD CIRCLE
Prepared by: Amit Tanwar Deputy Manager Ahmedabad Circle

TO MADE EASY PART 01
Questions Answers
1. Computer Security day is observed on 1. 30th Nov
2.PDMA stands for 2. Public debt management agency
3. How many third party accounts can be added 3. UNLIMITED in VYAPAAR &
in a single day VISTAAR, 3 IN RINB & SARAL
4. Which form is used for registering the 4. C1
Corporate in CINB? 5. Multi option payment system
5. What is MOPS? 6. 10 year
6. Validity for SBI Smart Payout Card is 7. Unstructured supplementary
_______years? service data
7. The full form of USSD is 8. 25%
8. Generally margin of gold loan should be ---% 9. 9 lakh per farmer
9. Max loan under broiler plus 10. CENTRALISED ONLINE REAL
10. Full form of CORE TIME ENVIRONMENT
Questions Answers
1. How many Risk Grades are there ? 1. 10
2. SME-11 is to be executed by 2. Revival letter, borrower &
3. Branches should conduct customer service guarantor
committee meeting at..... intervals. 3. Monthly
4. Scale of Finance in KCC will be decided by ? 4. District level technical committee
5.Black revolution relates to 5. Rubber production &
6 How many digits in inb PPK PERTROLIUM
7. Document AB-2 in case of Agri Finance is ___ 6. 10
8.Which committee recommended Priority Sector 7. Guareentee agreement
Lending 8. Gadgil& LILY VADERA In 2015
9. Loan Review Mechanism is applicable to 9. 5cr &abv
10. What is maximum quantum of finance under 10. 10lakh
Earnest Money Deposit scheme

Questions Answers
1.SBI shaurya Home loan is for 1. Defence personnel
2. What is the maximum Loan Term under SBI 2. Min 25 yr. Max 30yr
Flexipay Home Loan? 3. Equifax Credit Information
3. ECISPL stands for Services
4. DEAF stands for Pvt Ltd
5. Minimum loan amount under SBI Max Gain 4. Depositors education awareness
scheme is fund
6.what is sbiexclusif, min TRV for it total 5. 20lakh.
relationship value 6. Wealth management service,
7. DGFT stands for: 30lakh
8. SBS and State bank of indore were merged in 7. Directorate general of foreign
the year of ........& ........respectively. trade
9. GPRS 8. 2008&2010
10.DAC means 9. GENERAL POCKET RADIO
SERVICE
10.Document Archival Centre
Questions Answers
1. An agreement to sell or buy currency at the 1 cash rate OR READY RATE
current exchange rate is known as
2. Maximum amount of guarantee cover available 2 100 lakh
under CGSSUI
3. The maximum loan amount under Stand up India 3 1 crore
4. What is the repayment period for WHR finance
5. What is lock in period in CGTMSE 4 12 month
6. Who is the service provider of Virtual card of
State Bank? 5 18 month
7. What is the full form of BBPOU
8. Maximum loan amount that can be sanctioned 6 visa INTERNATIONAL
under SBI Global Ed-Vantage scheme is
9. Personal Accidental Insurance product of by 7 bharat bill payment operating
SBI General Insurance for SB account holders unit
between the age of 8 1.5 cr
10. What is the maximum amount of loan under 9 18 to 65
Insta Home Top-Up Loan? 10 5 lac

Questions Answers
1. Small Coin depot transactions are reported to Ans.
2. One rupee coin is issued under------------- 1 fslo
-Act. 2 INDIAN coinage act 1906
3. The hurdle CRA rating for takeover of 3 sb 7
agriculture loans 4 national rural livlihood mission
4. Expand NRLM 5 6 month
5.Under Arthias plus Scheme, hypothecation of
book debts should not be older than
Questions Answers
1. The minimum amount of loan that can be 1. 10lakh
sanctioned under LAP 2. 10 lakh
2. Maximum loan amount under ―Xpress credit – 3. 25k
IT Employees is 4. 1 lakh
3. What is the maximum limit under General 5. 25k
Credit Card (GCC) 6. Premium kisan gold card
4 Monthly cap for GRC 7. Misc securities register
5. Processing Charges are waived upto what limit 8. Cos 138
in Kisan Credit Card Scheme ? 9. No limit, allonge is attached
6.Another name for agri ABL 10. 28 lakh for metro, 20 for other
7. LIC Policies/Life Insurance Policies accepted centers
as security are recorded in
8. A receipt on COS is issued to the depositor
of articles (in Safe Deposit)
9. The maximum number of endorsements which
can appear on a draft is
10. Priority Sector guidelines for housing loans in
Metropolitan Cities & other centres

Questions Answers
1. Min and max loan for SHG credit card 1 min 50000 max 4 times of corups
2.min loan under premium kisan gold card 2 3 lac
3. The SBI has launched its IT subsidiary in the 3 cutting edge technologies ltd
name of 4 10 lac
4. All transactions beyond this limit would be 5 cbianti corruption wing
routed through Maker-Checker concept in the 6 monthly
5. Fraud Cases of Rs.3.00 crore and upto 7 branch manager monthly
Rs.25.00 crore, where staff involvement is certificate
primafacie evident are to be referred to 8 INTER OFFICE ACCOUNT
6. Periodicity of Balancing of Stamp Account is mumbai
7.BMMC stands for 9 5
8. Monitoring/Reconciliation of BCGA-IBTS is 10 3
done by
9. The entire remittance will be returned to the
bank at its cost if more than _______% ofnotes
are found to be issuable notes by RBI.
10. What is maximum number of nominees that
can be appointed under NPS?
Questions Answers
1.Entries relating to excess cash found in cash 1. Quarterly
balance is transferred to 2.quarterly
Commission A/c at-------------intervals. 3.24Q
2. Customer relations programmes are held at 4.3-5 years
branches at-------------intervals 5. Indian contract act sec 126
3. Deduction of tax at source from 6. Integrated Computerised
salary/pension u/s 192 filed under TDS return Currency Operations and
4. The repayment period for General Purpose Management System
Term Loan for SSI is__ 7 C31
5. The Bank Guarantees are covered under which 8.RBI
act 9.quarterly
6. ICCOMS is 10 govt sponsored loan
7. Under CCRS, the SFMS file generated out of
processing of soiled notes remittance is

8.Which is the apex body for refinancing of pre
and post shipment Export credit extended by
commercial banks?
9. Under CLTD A/c interest is applied at _____
interval.
10.Service area approach is applicable to
Questions Answers
1. STP stands for 1 straight through proceasing
2. MIT stands for 2 manual intervationtransacction
3. What is the minimum loan amount to be 3 3 lakh
sanctioned under NRI Housing 4 50000
4. What is the limit per day for Visa Credit card 5 9999999
payment using SB 6 r b burman
Anywhere? 7 public key infrastructure
5. What is the limit per day for e-TD/e-STD 8 10 lac
opening using SB Anywhere? 9 rbi
6. Who was the chairman of working Group on 10 bi monthly
Cheque Truncation?
7. What is ‘PKI’?
8. What is the maximum amount to be invested
in equipment in case of Micro Enterprises in
Service Sector?
9. Which institution in India issues guidelines
relating to Priority sector
lending?
10. RBI under takes Review of its monetary
policy on---------basis?
Questions Answers
1. What is the per day limit for all Contactless 1. 10000
Debit Card Contactless transactions? 2. CINB saral
2. Which type of INB facility can be provided 3. 50000
for HUF Account? 4. 200 notes per txn ,50In case of
3. What is the maximum amount per sender in a HCL 2 LAKH

calendar month…………… through Instant Money 5. INB request approval through
Transfer (Card less withdrawal facility from ATM
ATMs)? 6. 50k for full kyc, 20k for nillkyc
4. What is the maximum amount deposit through 7. 10yr
Cash Deposit Machines/Recyclers Per day? 8. 30th Nov
5. What is the Full form of IRATA? 9. 48hr
6. What is the maximum balance permissible limit 10. 7days
at any point of time in SBI Buddy Wallets? 11. State bank anywhere
7. What is the Validity period of SBI Achiever PERSONAL
Card? 12. 13
8. Computer Security Day is observed on 13. Project roopantar
9. What is the Validity Period of Virtual Card?
10. Wherever a Teller does not log in to the
CBS System for ………. days the System would
inactive the teller?
11. M-Passbook facility is available under
12. How many Indian Languages available in
State Bank Buddy?
13. For Development of CBS, Bank has launched
Questions Answers
1. ISDN stands for 1. Integrated Services Digital
2. SFMS messages containing digital signature Network
are legally enforceable under 2. Information Technology Act
3. FTP stands for 2002
4. In a CBS branch, who is to ensure that cash 3. File Transfer protocol
drawer is reconciled and Closed for the day? 4. Cash teller
5. Who introduced the novel system for payment 5. Income Tax Department
of taxes called On line Tax Accounting System ( 6. General Ledger Interface File
OLTAS) effective from 01.06.2004? 7. J satyanarayana.
6. What is GLIF? 8. Structured Financial Messaging
7. Chairman of the Unique Identification Solution
Authority of India (UIDAI), is 9. 8 years
8. What is SFMS? 10. Phishing
9. As per the recommendations of the working
group on cheque truncation, the preservation

period of the electronic image of the cheque
should be—Years.
10. Stealing of personal and confidential
information by cyber criminals is called

Questions Answers
1.State Bank of India opened the Strategic 1. Mumbai
Training Unit at ______ which will bring the 2. SS Tarapore
entire training 3. 1st June 2000
system under a unified training command. 4. Liquidity will be pumped into the
2.The Banking Codes and Standard Board of market
India (BCSBI) is set up under the 5. 200
recommendations of committee headed by 6. RBI
3. When did FEMA, 1999 come into effect? 7. Ajay Tyagi
4. The lowering of Repo rate immediately leads 8. purchase and management of
in receivables
5. What is the maximum number of persons in a 9. Sec 26 of BR ACT
private limited company 10. 30 DAYS
6. FIU-IND works under the supervision of
7. Who is the chairman of SEBI
8.Factoring refers to
9. Banks have to submit the details of unclaimed
deposits to RBI as per the provisions of
10. The “In principle” approval given to the
prospective home loan borrowers shall be valid
for

Questions Answers

1. CRA exercise is to completed for limits 1 50 lac n above
2. BERI stands for 2 bank expousre risk index
3. Cut off limit limit for classifying a borrower a 3 25 lac
wilful defaulter. 4 safe deposit vault
4. SDV stands for 5 asset restructure company
5. ARC stands for 6 paris
6 HQ of ICC 7 gandhinagar
7. India s first international exchange 8 above 5 cr
established at 9 500 cr
8. LRM is applicable 10 net stablility funding ratio
9. CAG br handles the proposals of Rs.....
10. NSFR stands for.
Questions Answers
1. Bank’s customer contact centre is located in 1. Agra, Vadodara, Bangalore &
2. Under which act it has declared the banking Kolkata
industry to be a “Public Utility Service” 2. Industrial dispute act 1947
3. 'MeriUnnati Mere Haath' is the punchline of 3. Carrier development system
which project. 4. 25
4. Silver Jubilee Award for completing 5. 1 year
_______________ years service may be 6. Delhi
presented to 7. SME 5
employees 8. SARFAESI ACT
5. What is the validity period of Foreign inward 9. DEFENCE ARMY PERSONNEL
remittance certificate (other than exception 10. 50LAKH, 12MONTH
case)
6. State Bank of India has launched its first
Self Service Banking branch at
7. The document to be taken for recital for
creation of E.M is
8. Hypothecation is defined in which of the
following Act?
9 SBI Shaurya Home Loan is for employees of
10. The maximum loan amt& tenor of produce
marketing loan is upto.
Questions Answers

1. Chairman of PFRDA 1. Hemant contractor
2 HQ of world bank 2. Washington DC
3. What is the maximum amount of loan that 3. 14lakh & 36m nmp
can be granted under SBI Loan to Pensioners 4. 10cr &abv, 5cr &abv
4. Credit audit and legal audit applicable 5. upto 3 lakh
5. Circle audit is applicable to advances 6. Risk focussed internal audit
6. RFIA stands for 7. Share the news share the views
7. Punch line of SBI times 8. e-Kubera
8. Core Banking Solution of RBI for govt 9. 1.01 lakh
transaction. 10. 25000
9. Min amt of loan under digital KCC
10.max loan amount under GCC
Questions Answers

1 Corporate Head Chairman is supported in his 1.4 ,14
functioning by ------MDs & -------DMDs. 2.62.22%
2. PRESIDENT OF INDIA hold -------% share 3 insurance general australia
of SBI. 4.GM
3. SBI General is a joint venture between SBI 5.hyderabad
and 6.30000/-
4. Corporate Accounts Group is headed by ----- 7.bullion branch Mumbai
--------. 8.quarterly
5. The Local Head Office of Telengana Circle is 9.challan identification number
located at 10. Medium risk
6. Immediate credit of outstation cheques of
other banks may be provided by the branch to
the
satisfactorily conducted accounts up to ___
7. The Nodal Branch for Gold Deposit Account is
8. Excess cash found at the branch deposited to
Sundry Deposit Account will be reversed if
unclaimed on --------- basis
9. CIN in govt business means
10. All inoperative accounts may be classified
as………………. Risk?
Questions Answers
1. What is the maximum amount of deposit in a 1. 1.5lakh
year in PPF A/C? 2. Assignment
2. Insurance policy is charged to the Bank by 3. Garnishee is judgement debtors
way of . bank
3. Under Garmishee Order, Garmisheemeans ? 4. Incomplete instruments
4. Inchoate instrument is 5. Sec 18 amt in words & fig
5. Sec 18 of NI act differs, then amt in words shd be
6. IBTS is paid
7. Strong room fitness certificate is obtained , 6. Inter branch transfer system
and to be kept as . 7. annually, Branch documents
8. The subsidiary of SBI for management of 8. Sbi pension fund management
pensions funds under NPS is . 9. Stock holding corp of India
9. The Custodian under New Pension System 10. SB10
(NPS) is:
10. Hurdle rate in SB rating

Questions Answers
1. Hypothecation is defined in 1 sarfesi act
2. Insurance of motor vehicles financed by us is 2 borrower
done in the name of 3 5 cr
3. Early Sanction Review covers exposures of 4 BR act sec 35.a
above Rs. 50 lac and below Rs. _____ cr 5 20 lac
4. Banking Ombudsman is established as per 6 PML act
…...... act. 7 Jaipur
5. The District Forum Under the COPRA can 8 amlock
hear claims upto a maximum of 9 FIU-IND
6. KYC, AML & CFT guidelines are issued 10 cersai
under......... act.
7. The Anti Money Laundering Cell of the Bank
has been established at …
8. The Software used for generation of
Suspicious Transactions Report is known as:
9. Counterfeit Currency Reports should be
submitted to:
10. Central KYC Records Registry (CKYCR) has
been set up by the GoI in association with …

Questions Answers
1.Bank guarantees generally be issued for a 1. 18 month, but utmost 10years
period not exceeding.......... at any one 2. Unhedged foreign currency
instance. exposure
2. UFCE stands for 3. 10 lakh
3. No collateral upto .........in MSME. 4. Finance given for longer period &
4. What is take out finance large projects like school building,
5.Legal audit is applicable on bridge etc
6. SDR stands for 5. 5cr &abv
7 ROCC stands for 6. Special Drawing rights
8 CRILC contains the data of borrower with 7. Return on capital charge
exposure above...... 8. 5cr &abv
9 Cost of CGTMSE is borne by bank for limits 9. No limit, now pay by borrower
upto ..... wef 1 July 17
10. Credit audit is applicable on 10. 10 Crores & above

Questions Answers
1.Tele banking Kit contains …………… digits 1 10 digits
2. The relationship between the Bank and 2. Licenser & Licensee
Customer in Locker facility is 3. 10000
3. Per transaction limit under BHIM is Rs……/ 4. Drop line Overdraft Facility.
4. Simplified Small Business Loan (SSBL) is a 5. 30 lakhs
………………….. type of loan. 6.5 cr
5. All new home loan customers are eligible for 7 5 cr
Home Top Up Loan, 8 no age limit
if home loan limit is more than Rs……………… lacs 9 Marginal cost of Funds Based
6. Max. amount of loan that can be sanctioned Lending Rate
under Home Top Up Loan 10 42(1) of RBI ACT 1934
isRs………… Crores
7. Online overdraft against Fixed Deposit – Max.
isRs. ……….. Crores.
8. Max. age limit to avail loan under “Assured
Car Loan Scheme” is
………….. years
9 MCLR means …
10. CRR is required to be maintained as per
provisions of Sec.…
Questions Answers
1. Chit funds are registered by 1. state govt
2. What is Blue bonds 2 type of bond which specially
3. Interest subvention of .... % on loans invests in climate resilient water
upto 9 lakhs in PMAY management and water
4. What is UDAY, expand it infrastructure.
5. M-SIPS 3 4%
6. Small finance banks were key 4 ujjwaldisscom assurance yojana
recommendations of the committee on 5 modified special incentive
financial inclusion chaired by package
7. Name the three enablers of DBT 6 Nachiket more committee
8. Expand BAPU 7 jandhanadhar mobile no
9. All the proceeds from disinvestment of 8 biometrically authenticated
central Public sector enterprises were to physically uptake
be channelized in... 9 NATIONAL INVESTVENT FUND
10. Tax administration committee headed 10 parthasarthishome
by..................had recommended 11 banking cash transaction tax

reinstating the BCTT in 2014. 12 overseas citizens of india
11. Expand BCTT 13.79
12. OCI stands for 14 food safety and standard
13. India's rank in Corruption perception authority of india
index 15 A k bhargava
14. FSSAI stands for
15. Chairman of the committe on net
neutrality.
Questions Answers
1. SBI Custodial Services Pvt Ltd is established 1 societegenerale
in collaboration with____ 2 Chief Associate (Customer
2. What is the new designation of Senior Special Support & Sales)
Assistant ? 3 WAIVED
3. Non-payment advice from drawee branch has 4 society for worldwide interbank
been dispensed with for amount less than financial telecommunication
for issuing a duplicate IOI draft. 5 less than 25 lac
4.SWIFT stands for 6 international financial reporting
5..Max loan amount under simplified small standard
business loan 7 registration OF charge on
6.Expand IFRS companies
7.MCA-21relates to 8 national agriculture insurance
8.Who is the administrator for scheme
PradanMantriBimaYojana 9 medium risk
(PMSBY)? 10 risk adjust return on capital
9.All in-operative accounts are categorized 11 credit policy & procedure
as______risk accounts department
10.RAROC stands for 12 office of foreign asset control
11.CPPD stands for 13 DGM(VIGILENCE)
12.expand OFAC 14 3 lac
13. Who is the designated authority 15 import data processing and
under―Whistle Blower Policy? monitoring sYstem
14. Min loan amount under agri ABL
15.IDPMS stands for

Questions Answers
1. LRM is applicable on Above 5 crore
2. Full kyc exercise for high risk customers once 2 2 years
in ......years 3 10 lac
3. Max amount of loan under mudra 4 micro unit development and
4 Expand Mudra refinance agency
5.Krishi kalyan is a combo product of 5 pml&kcc
6.IRAC stands for 6 income recognition, asset
7.screen no of cash compare utility available to classification
cash officer 7 669
8. VPS stands for 8 vendor payment system
9.Min amount of deposit in non callable term 9 1 crore
deposit. 10 unique customer identification
10.UCIC refers to code
Questions Answers
1. Sec 124 of NI act 1881 deals with 1. Special crossing
2. Half yearly
2. The Periodicity of submission of FFR-I is 3. No max amount
4. John Mathai
3. Maximum amount that can be accepted 5. 60 years
through NEFT is 6 3 years
7.sec 128 of indian contract act.
4. The first Chairman of SBI is 8. (Unstructured Supplementary
services data
5. Retention period of Power of Attorney is 9 Alternative connectivity for
_____ years branches
10. 5 lakhs
6. SBI Exporter Gold Card scheme is valid for a
period of ____ year
7. Liability of surety is co-extensive with that

of principal debtor, prescribed in
section.....of..........act.
8. full form of USSD is

9.Project “Avirat” relates to
10. For PehlaKadam and PehliUdaan SB accounts

cap on the maximum balance in the account is
Questions Answers
1. Over draft / Loan can be sanctioned against 1. Loan upto 75% of the balance
Annuity Deposit amount of annuity
2. Periodicity for Obtention of stock statement
for SME Credit card is__ 2. Annually on 28 feb
3. UCPDC in the context of International Banking
stands for 3. Uniform Customs and Practice on
4. For Creation of EM under SME documentation Documentary Credits
what is the form to be used
5. PCFC stands for 4 SME 5
6. SFMS stands for
7. Maximum loan amount that can be sanctioned 5. Post-shipment credit in Foreign
under ABL is Currency
8. Forensic Audit is applicable to the units having
an exposure of 6 Structured Financial Messaging
9. The maximum tenor of Produce Marketing Solution
Loan does not exceed ___ months
10. National Institute of Agricultural Marketing 7 20 cr
is located at
8 50 cr and above
9. 12 months
10 Jaipur

Questions Answers
1. Ist branch of Islamic banking in india was 1. Ahmedabad
opened in
2.Under Kisan Gold Card, maximum of 2. 5 accounts
………………KGC accounts can be
outstanding at a time 3. 5 years
3. Period of deposit under Senior Citizens
Savings Scheme 2004 4. 3 years
4. What is the period of deposit under CAP
GAINS PLUS 5. SARFAESI
5. Hypothecation is defined in 6.Fema
6. Definition of NRI is defined in 3 yeara
7. In the case of Term Deposit, for illiterate
depositors, the photograph should be 8. Rs 10
renewed after
8. Minimum Cash Deposit in SB account is Rs.__ 9. 25 lakhs
9. Max loan amount under agri gold loan
10. Min age to avail Car loan 10. 21 years

Questions Answers
1. At present there are .....payments bank in 1. 3, airtel, india post &paytm
operation. Name them. 2. Harsh kumarBhanwala
2. Chairman of NABARD 3. Small Industries Development
3. Full form of SIDBI Bank of India
4. PMJDY yojana launched on 4.28/08/2014
5. Maximum amount that can be deposited in 5.1.50 lakhs
SukanyaSamruddhi Account per year is 6.Quarterlyhip
6. Customer relationship programmes are held at 7. Related to customer service. 4
branches at ____intervals pm to 5 pm
7. what is Happy hours 8. 8008202020
8. Mobile no for SMS unhappy 9. 2 years
9. Minimum experience required under SBI 10. 5 lakh
FlexiPay Home Loan is
10. Min loan amount under SBI reality.

Questions Answers
1. Premium kisan Gold card
1. Other name for Agri ABL
2. FEEL is the combo product of 2. KCC &. PML
3. Min land holding for tatkal tractor loan
4. Project tatkal is related to 3. 2 acre
5. Min loan amount under NRI home loans
6. OARPS stands for 4. Home loan
7 RFIA stands for
8. EWS is applicable on 5. 3 lakhs
9. Car loan under OD facility will be given for
minimum amount of 6. Online audit report performance
10.Rate of interest applicable for Loan against system
bank deposit scheme is _____abv Fixed deposit
interest rate. 7 Risk focussed internal audit
8 Rs 1 cr& above
9.3 lakhs
10. 1%

Questions Answers
1.Under “Money Transfer Service Scheme”, a
beneficiary can receive a maximum
of…........................in a calendar year. 1 30 txn in a clander year
2. For mega/integrated township projects 2 48 month

(approved by our Bank under the Builder Tie-up
arrangement), a longer moratorium period of
…...................may be permitted under Home 3 50 lac
Loan scheme, irrespective of the number of
floors in the residential project. 4 persistent high inflation
combined with high
3. Under Produce Marketing Loan, maximum unemployment and stagnant
permissible limit for financing demand in a country's
against pledge/hypothecation of farm produce economy.
under agri priority sector
4.State of ‘Stagflation’ means __ 5 Sec 45 of rbi act

5. RBI appoints the Agency Banks for carrying 6 6 small account
out the general banking business of the Central
and State Governments, under section
_ 7 5
6. Aggregate of all credits in a Financial Year
should not exceed Rs 1.00 lac. This rule applies 8 no max
to which type of account?
7. what is the maximum number of txn covered 9 vegetable production

in mini statement of hasgtag banking?
10 75000
8. What is maximum ceiling of deposit under SBI
Capgain plus Scheme
9. “Olericulture” is related to __________?
10. The Daily Domestic Pos Limit of State Bank

Global Debit Card is.................
Questions Answers
1.A facility provided to remit foreign remittance Ans
introduced in CBS name the product: 1.fxout
2.Fidelity insurance cover for single window 2.5 lac
operator is Rs. 3.Rs 50
3.Ceiling for petty cash expense is Rs. 4. 4 times
4.How many times,can loan be granted against 5 15 lac
PPF deposit in a year? 6 7&5
5.Maximum deposit in Senior Citizen Savings 7 world university branch chennai
Scheme is allowed 8 general ledger interface file
6.BSR Code and Challan Serial Number have how 9 TCS
many digits?
7.Focal Point Branch for Central Excise is
8.Full form of the term GLIF is
9.CEdgeTechnologies is a joint venture between
SBI and__
10. Full form of GLCC 10 genral ledger comparison code

Questions Answers
1 1949
1. RBI was nationalized in 2 CRR
2. The reserves which can act as liquidity buffer 3 nabard
for commercial banks during crisis times are 4 lucknow
3. The Apex Bank for Rural Credit is 5 1986
4. The Headquarter of SIDBI is located at 6 risk weighted asset
5. Consumer Protection Act (COPRA) was 7 open market operation
implemented in 8 dena bank
6. RWA stands for 9 50 lac
7. RBI provides ________credit facility to the 10 1949
Government of India and State Government in
order to overcome tight money position between
payment and receipt of the client
8. 'Prosperity for All' is the slogan of
9. Max loan amount under PML
10. As we know RBI was comes into existence in
1 April, 1935 but became the central banking
authority in.......
Questions Answers
1.Bank has entered an agreement with.........for 1. TCIL - Thomas Cook India
moneygram. limited
2.MDR stands for 2. Merchant discount rate
3.Any contract with minor is void ab initio as per 3. Sec 11 of indian contract act
section.....of..........act. 4. Rs 1 lac
4.Hologram is affixed on drafts of rs.... 5KVIC mumbai
5.Nodal agency at national level for PMEGP. 6 5000cr
6. authorised capital of sbi?
7.Issuance charges for GRC 7 Rs 20

8. Min & max amount of deposit in 8 min Rs 1000 Max 1.50 lacs
sukanyasamridhhi ac in a year. 9 Rs 2 lacs
9.max loan under artisan credit card. 10 Bank relaisation certificate
10.BRC stands for

Questions Answers
1 customer one view
1.full form of COV 2 5 lacs
2.Surety not required for deceased ac claim 3 outstation chqs
uptoRs.... 4 Common processing
3.Yellow section of dropbox is for? 5 20000
4.Pre & post sanction inspection are inserted in 6 digital life certificate
CBS 7 Mortgage deed
through.........menu. 8 credit linked capital subsidy
5.Max quantum of finance under DRI for housing scheme
purpose 9 Asset liability management
6.What is JeevanPramaan 10 3 yrs
7.SME 9 is for
8 CLCSS stands for
9 OFSA is a software used in
10 Validity of gift cards

Questions Answers
1. Low risk
1. Risk category for DSP salary account. 2. Capital conservation buffer fund
2.CCBF refers to 3. 10 years
3.BG can be issued for a max period of 4. 10
4.Min no of vehicles to be financed under 5. 10000
SRTOs. 6. Internet banking, (alt+0)
5. Max withdrawl& transfer limit in a month for 7. Application supported by blocked
small account. amount
6.Deadman switch is used in 8 National institutions for
7.ASBA refers to transforming india
8.planning commision has been replaced by NITI 9 3 months
aayog, what does 10. 1 aug
NITI stand for. 11. Unconditional cancellibilty clause
9 Home loan sanction is valid for 12. 48 hrs or 1 txn
10.KyC/fraud preservation day is observed on 13. 100 cr.
11.UCC refers to 14. 5 years
12. Validity of virtual card 15. IBA
13. What is min corpus amount for small &
payments bank.
14.validity period of Kisan credit card.
15.who prescribes the tenures of term deposits.

Questions Answers
1 insolvency &bankruptcy board of
1. Full form of IBBI & name of its chaiman india,MSSahoo
2. USSD stands for 2 unstructured supplementry
3. CAG handles the loan proposal of Rs....... services data
4 ESR is applicable on advances of Rs.... 3 above Rs 500 cr
5. SHG was recommended by which committee 4 Rs 50 lacs
6.Max loan under broiler plus scheme 5 Kalia
7.A standard housing loan attract provision of 6 9 lacs per farmer
........ 7 0.25%
8. What is E kuber 8 CBS of RBI
9.Immediate credit of outstation 9 Rs 30000
chqsuptoRs....... 10. SARB
10.NPA of Rs 10 lakh & above should be
transferred to.....
Questions Answers
1.Largest business vertical of the bank Ans.
2. Stand up india scheme facilitates sanction of 1. NBG
bank loan 2. 10 lacs to 1 Cr
from ........to .......... 3 vegetable production
3.Olericulture refers to 4 100+ST
4.Cersai reg charges for loan above 5 lacs 5. 7 sections
5.Branch document register has......sections. 6 csexim bills
6.Name of the trade finance software 7 50000
7 Max amount of issue in virtual card 8. Valuable paper inventory system
8 VPIS stands for 9 15 lacs
9 Max amount of deposit in Sr citizen savings 10. 10 lacs
scheme
10.Max loan under SME credit card scheme

Questions Answers
1. MCLR stands for 1. marginal cost of fund based
2. Max age for KCC loan limit? lending rate
3 yuva home loan has been replaced with 2. 70
4 Max repayment period for personal gold loan 3. flexipay
5. DSCR stands for 4 3 year
6.Quick ratio? 5.debt service coverage rato
7. max amount of loan for used car . 6.Current asset – inventory ÷
8 Software for ALM current liability
9 Together We can campaign is related to 7. 15 lac
10.RFIA stands for 8.Ofsaa
9.Current account
10.Risk focused internal audit
Questions Answers
1. CGTMSE stands for 1. Credit gurantee fund trust for
2. SME 1 is for micro and small enterprises
3. Max.........% subsidy available under CLCSS 2 letter of agrrangement
4. Max deposit in SBI tax saving scheme 2006. 3 15% or 15 lac
5.VPA stands for 4 150000
6. ZIO is headed by 5 virtual payment address
7 no of SBLC 6 GM
8 Impeial bank came into existence in the year 7 47
of 8 27 jan 1921
9 RBI was established on the recommendation of 9 hilton young commisson
whichcommision. 10 structured financial messaging
10 SFMS stands for SOLUTION

Questions Answers
1 LLMS 1. Loan life cycle management
2 LRM system
3 LMS 2. Loan review mechanism
4 LOS 3. Lead management system
5 CCDP 4. Loan originating software
6 CCO 5. crentralised credit data
7OTMS processing
8 LRS 6. Circle credit officer
9 LBR 7. Offisitetxn monitoring system
10 SDV 8. Liberalised remittances scheme
11 CLCSS 9. Lead bank return
12 PMEGP 10. Safe deposit vault
13ews 11. Credit linked capital subsidy
14 FIFO scheme
15 FAST 12. PM employment generation
16 COO program
17 UTR Q3. Early sanction review
18 OLTAS 14. First in first out
19 CDC 15. Funds available in shortest time
20 MAB 16. Chief operating officer
17. Unique txn reference
18. Online tax accounting system
19. Central data center
20. Merchant acquiring business

Questions Answers
1.As per the new definition, an entity will be 1 25.crore or 7 year
considered as a Start-Up if its turn over is less 2 1 .7.1955
than Rs ....... and has not completed ....... 3 credit linked subsidy scheme
years from the date of its 4 20 lac
incorporation/registration 5 monthly
2. SBI was nationalised on. 6 15
3. CLSS stands for 7 sme
4. Min loan under SBI maxgain home loan 8 import data processing &
5. Interest on deposits in Sukanya samrudhhi is monitoring system
compounded on ......basis 9. 7, 9002
6. Deposits can be made in sukanya account till 10 uae exchange pvt ltd
the completion of a
period of......... years from the date of opening
of such account.
7. Project Vivek is related to
8. IDPMS stands for
9. MMID comprises of ___ characters & first 4
digit of MMID of SBI
10. State Bank Xpress Money card is co-
branded with
Questions Answers
1. What is the margin for CSP account holder 1. 5 %
for availing car loan? 2. 120 month
3. 10 lac
2. What is the repayment period under SBI 4. 2 lac
Realty scheme? 5. 25000
6. 18 to 65
3. Under Tribal Plus scheme, the maximum loan 7. 25000
amount should not exceed 8. fixed asset coverage ratio
9. 2 lac
4. What is the minimum quantum of finance 10. 12 month
under ―SBI Home Top-Up loan‖?
5. The minimum amount of loan available under

―Xpress Credit is Rs.
6. Personal Accidental Insurance product of by

SBI General Insurance for SB account holders
between the age of
7. What is the minimum amount of loan to

pensioners?
8. FACR stands for
9. The minimum amount in ATLfor take over
10. Produce Marketing Loan should be repaid

within a period of maximum

Questions Answers
1. SBI KrishakUthaanYojna is a scheme to 1 finance to tenant farmer, max
provide loans to 1lakh
2. The margin for Produce Marketing Loan is 2 40%
3. margin in bullet repayment? 3 35%
4. Who headed the committee on Financial 4 ushathorat
Inclusion ? 5 50lakh
5. Maximum loan for general purpose term loan? 6 5 lac
6. Maximum loan amount, which can be financed 7 6 month
under Land Purchase scheme is 8 2 year
7. Maximum repayment period that can be given 9 goi n sidbi
under ARTHIAS PLUS is 10 50000
8. Working Capital limits under SME Smart
Score are valid for
9. CGTMSE is set up by
10. What is the minimum loan amount under
Weaver Credit Card Scheme

Questions Answers
1. Who approves the Loan Pollicy of the Bank 1 ECCB
2 Quick assets
2. Assets which are cash and which are near 3 Bill of entry
cash are known as ' ---------- assets 4 DMD CFO
5. DMD & CIO
3. Proof of physical import of goods is 6.BNP paribas
7 KYC User Agency (KUA)
4. Who is heading ALCO at the Corporate 8.60%
Centre? 9. Ojha
10. 6 months
5. Who is in charge of Information Technology
at the Corporate Centre?
6. SBI life insurance is joint venture partnership

with which association ?
7. The Bank has implemented use of UIDAI‘s e-

KYC service by executing an
agreement with the UIDAI is known as
8. In case of Stree Shakti Tractor Loan (SSTL)

the EMI/ NMI ratio shall not exceed
9. Service Area Approach had been recommended

by the
10. Under ArthiaS plus Scheme, hypothecation

of book debts should not be older than

Questions Answers
1. Expand CRGFTLIH 1. credit risk gurantee fund
2. What is the maximum amount of deposit under trust for low income housing
―SBI Flexi Deposit Scheme? in urban areas
3. What is the maximum ATM withdrawal amount 2. 50000 IN A FINANCIAL
for ―PehalaKadam and Pehli YEAR
Udaan Savings Bank accounts? 3. 5000
4. Margin for SBI certified pre-owned car loan 4. 20
is 5. 14 lac
5. What is the maximum quantum of finance 6. 20 lac
available to pensioners upto age 7. 7
22 years? 8. 7.5 lac now no concept of
6. Maximum loan available to student for studies tpgupto 7.5 lac collateral
in India under ―SBI Student Loan? free
7. What is the maximum age of the vehicle, 9. trend micro
eligible for financing under ―Used 10. sbiEz@trade
car loan scheme?
8. What is the maximum amount of Education
loan that can be sanctioned
without taking collateral security or TPG?
9. Which Anti virus software is now being used in
SBI
10. Online trading app of our bank is
Questions Answers
1 pin stand for 1. personal identification
2.What is the maximum amount that a customer number
can invest through ASBA in the 2. 2 lac
individual capacity? 3. application support by
3. ASBA stands for blocked amount
4. Digital Inspection Application (DIA) is the app 4. Sme pre & post sanction
for which segment? 5. 50000
5. What is the maximum amount that can be 6. Npci
loaded on a Gift card? 7. 12 month
6. IMPS is conducted by ______? 8. Close
7. Packing Credit can be granted for a maximum 9. 8
period of 10. Sbi fast
8. Contributions from members collected by

mutual funds during a definite time frame is
known as-------------- ended funds.
9. Images under cheque truncation system should
be preserved for ____ years?
10. The Cash Management Product of SBI is
known as
Questions Answers
1. IDSPM stands for 1. Integrated data strategy
2.Min loan amount in SBI reality processing & management
3EWS stands for 2. 5lakh
4.Periodicity of Stock & receivables audit for 3. Early warning system
NPA account above 5cr. 4. Annually
5.max amount under broiler plus 5. 9lakh per farmers
6.QAB for power pos current account 6. 5k
7.Arthias plus is a scheme for-----------? 7. Financing commission
8.Name of insurance company for PMJJBY agents in rusu
9.DCB register is prepared every year as 8. Sbi life
on.......... 9. 30th June
10.Chit funds are regulated by 10. State govt
Questions Answers
1. As per the Simplified KYC guidelines, the 1. 50000
current limits for balance in Small Deposit
Accounts should not exceed 2. Combating financing of terrorism
2. The term CFT stands for 3. Foreign account tax compliance

act
3. FATCA stands for
4. Holder in due course is defined under section- 4. 9

-----of Negotiable Instrument Act.
5. A contract of Insurance is a contract of 5. Indemnity

6. Rule in Clayton’s case has been incorporated in 6. Sec 59 to 61 of Indian contract
the act
7. Right of set off is exercisable, where the 7. Debtor & creditor

relationship is of
8. Unclaimed deposits are classified by the bank 8. Contingent

as …….. liabilities
9. A search report from legal counsel is insisted 9. 30yr

upon for years:
10. As per the Indian Limitation Act, an 10. 12 yr from the date of money
equitable mortgage becomes time barred is due
after......years.
Questions Answers
1.Guarantees are defined in 1. Sec 126 of Indian contract act
2. When a debt is offered as security, which 2. Assignment
charge should be created 3. Cash receipt delivery book
3. Which register is used to record movement 4. Currency chest reporting system,
of cash from one a software
SWO to another during the course of day’s 5. 500&abv
business ? 6. Licensor &licencee
4. CCRS is 7. Within 12 month
5. The security feature of Optically Variable Ink 8. Serious deviation in risk
(OVI) appears in note of Rs. management
6. The relationship between the bank and hirer 9. 6m & 10yr
of a locker is that of 10. 5-7yr, minimum 5yr
7. New branches are eligible for RFIA in -----
months.
8. SDRM stands for?
9. What is the minimum & maximum period for
S.T.D.R accounts?
10. SBI Flexi deposit can be made for a minimum
period of ---------years

Questions Answers
1. What is the maximum amount that can be 1. 50000 per annum
deposited under Annuity Deposit Scheme? 2. 12m
2. A small account shall remain operational 3. 3
initially for a period of 4. 48times of NMI, 3 TIMES OF
3. Maximum no of borrowers in Home loan should ANNUAL INCOME IN
not ordinarily exceed AGRICULTURAL SEGMENT & 4
4. What is the maximum loan amount under SBI times of annual income in business
Car Loan Scheme forpurchase of new Vehicle? 5. Revival letter guarantor
5. Deed of Guarantee (AB2) can be revived by 6. 0.25%
the Guarantor by executing 7. 10 lakh or 5times of annual farm
6. In case of Agriculture Advance the general income or 50% of land value
provision on standard asset is mortgaged
7. Under KGC ,max quantum of loan is 8. 20lakh per individual, max 100
8. Maximum Quantum of loan financed for an lakh
individual under AC & ABC is 9. 50%
9. The risk weightage on loans up to 1 lac 10. Bangladesh
against Gold and Silver ornaments
10. The concept of SHG originated from
Questions Answers
1. For SSTL, Minimum net Annual Income of the 1. 1.5lakh annually
borrower along with co-borrower is 2. 3days
2. What is TAT for SSTL 3. 10 lakh to 20lakh
3. Lokadalat is applicable to DRT cases from 4. China system, Taiwan
4. The bank has acquired Exim Bills from: 5. 1lakh &abv, 20% outstanding
5. SARFAESI is applicable for defaulted loans with 6. Chennai
outstandings of Rs _____ andabove: 7. Cash management product
6. 'Disaster Recovery Centre' for the CBS has 8. 11 digits
been located at: 9. 7days
7. CMP stands for 10. Screen no 669
8. Collateral number generated by CBS system is of
9 What is the time norm for transfer of accounts
in CBS.
10. Single sided cash difference can be traced
same day by generating the report "Cash Report
Compare” by cash officer through

Questions Answers
1. The person on whose behalf the guarantee is 1. Beneficiary
issued is called
2. Performance guarantee attracts the CCF 2. 50%

of.......%
3. BBB stsnds for 3. Bank board bureau
4. The pledge is defined under section of Indian 4. Sec 172 of indian contract act
Contract Act.
5. Notes accepted under Guarantee Bond scheme 5. 100

of denominations less than
6. Validity of ITRO is 6. 3months
7. Succession Certificate is applicable to 7. Debt & security
8.OTMS means 8. Off-site txn monitoring system
9. Trust accounts are classified under(other than 9 . high risk

US suppoted/financed)
10. What is the minimum number of employees 10 no minimum

stipulated for Corporate Salary Package (CSP)
product?

Questions Answers
1. The maximum term loan under Dairy Plus 1. 5 lakh
Scheme is 2. 5000
2. The minimum flock size in case of Broiler Plus 3. Direct agri finance
is ______ birds 4. 12 months
3. Financing under Scheme for Debt Swapping of 5. 2 lakh
Borrowers is classified under........agri finance. 6. 50%
4. Substandard assets are those which have 7. Micro units development &
remained NPA for a period less than or equal to refinance agency
....months. 8. SB 10
5. The minimum limit that can be sanctioned 9. 1cr &abv
under SHG Gold Card is 10. 3 yr
6. RBI has also reduced the risk weightage on
loans up to Rs. one lac against gold and silver
ornaments from 125% to ....
7. Expand MUDRA
8. Minimum CRA rating to be eligible for
Corporate Loan is
9. The minimum loan amount for Corporate Loan
is
10. The term loan sanctioned under Weaver‟s
credit card scheme is repayable in _ _ years
Questions Answers
1. Cash withdrawals upto which amount is 1. 25000
available in SBI CapGains Plus account 2. Verified datewise monthly
2. VDMS stands for settlement
3. What is the minimum amount of deposit in 3. 500, 5000 in a financial year
SBI Flexi Deposit Account? 4. 10
4. What is the minimum amount of deposit in 5. 15lakh
SBI Tiny RD account? 6. R.V Gupta committee
5. Dealers of Industry Majors may send 6.. Financial action task force
remittances using MBS to the account of the 7. Mulbury leaves cultivation
Industry Majors up to a daily transaction limit 8. 40%
of… 9. No min
5. Simplified and uniform documents under Agri 10. 36 monthswith 1 month
Segment are obtained now as per moratorium period
recommendations of
6. FATF stands for

7. Moriculture refers to
8. The margin for Produce Marketing Loan is
9. The minimum limit that can be sanctioned
under SHG Credit Card is
10. Under SSTL the maximum repayment for
loans without Collateral security is

Questions Answers
1. FICN means 1. Fake Indian currency note
2. Cash Management in ATMs by NCR/Diebold is 2. Opticash
called 3. COS 49
3. Safe custody scrips should be delivered to the 4. 50-physical mode
depositor only onhis acknowledgement in 12-e receipt
4. Commission on Govt. Business on receipts 5. 5 lakh
5. In deceased settlement surety is waived upto 6. Debt & security
6. Succession Certificate is applicable to 7. 1st July
7. KYC policy is reviewed by RBI every year on 8. 5000
8. What is the minimum balance stipulated for 9. 2 months
SBI Yuva SB account? 10. 36 months
9. Overdraft for salary package a/c holder is
equal to........month salary.
10.What is the minimum tenure in Annuity
Deposit scheme?

Questions Answers
1. Minimum age of the borrower under SBI 1. 18
Assured car loan scheme is...... years 2. 1000
2. Minimum Balance requirement for SME SAHAJ 3. 50000, with no monthly cap
scheme is 4. 25 or less
3. Daily transaction limit for fund transfer in 5. 25000
normal transaction through application 6. 100 lakh
based mobile banking is Rs 7. tarapore
4. KCC with a credit score of .......& below 8. pmfby
should not be considered for sanction 9. masala bonds
5. Any denomination of Indian currency can be 10. 90%
taken to Nepal & Bhutan, when the
amount is up to
6. For Stand up India Maximum Limit for Loan
Amount is Rs
7. Setting up of Banking Codes and Standards
Board of India(BCSBI) was set up at the
recommendation of
8. Under KCC Crop insurance is mandatory for all
notified crops under
9. Rupee denominated bonds issued by Indian
Companies in order to raise funds
offshore are called
10. LTV Ratio for SBI Home Loan Scheme for
loan up to 30 Lakh

Questions Answers
1. In State Bank Business Debit Card ( Pride ) 1. 1 lac
Daily Cash Withdrawal Limit is
2. In KCC, interest is compounded with a 2. simple interest rate, in case of
frequency of npa compounded annually
3. In case of auto loans for above Rs.......
credit report from 2 CIC is to be obtained 3. 5 lac
4. What is the minimum balance requirement
under PahlaKadam/ PahliUdaan? 4 5000 in urban
5. What is the maximum loan amount under
Xpress credit scheme 5 15 lac
6.max loan under SBI COSTRUCTION
EQUIPMENT Loan SCHEME 6 10 cr
7. % Margin in Pension loan is
8. Minimum age of the borrower under SBI 7 no margin
Assured car loan scheme is...... years
9. Small Coin Deport (SCD) is the property of 8 18yr
10. The reporting of wilful defaulters of Rs.
_______ lakh and above is to be done to RBI 9 GOI
at_______ interval? 10 25 lac , quarterly
Questions Answers
1. Under Personal Accident Scheme, KCC 1.50000
borrower is eligible for insurance cover of Rs. 2. 8/4/15
2. PradhanMantri Mudra Yojna Launched on 3. 10 lac
3. Maximum Loan Limit under SBI Home Loan for 4. NSDL
Repair/Renovation Purpose 5.2 lac
4. Tax Information Network is maintained by 6.25 lac
5. Minimum NAI under SBI loyalty car loan 7.1lac
scheme is Rs. 8.12 to 18 lac
6. Under “e-Smart SME”e-Commerce Loan 9.3 lac
Maximum Limit Amount ? 10.incomplete instrument
7. In KCC Collateral security is waived upto
8. Under CLSS for Middle income group MIG -
II households are defined as households

having an annual income between Rs. ----------
----- up to Rs.-------------.
9. Under KCC Scheme interest subvention is
applicable up to limit of Rs.
10. Inchoate Negotiable Instrument means
Questions Answers
1. Form used for variation of nomination is 1 DA-3
2. The Nodal Branch in State Bank of India for 2. MUMBAI MAIN BRANCH
New Pension System is . 3. INTERNATIONAL FINANCIAL
3. IFRS refers to REPORTING standard
4. There are how many strategic business units 4. 5, RBU, SMEBU, GBU, PBBU &
in National Banking Group? REHBU
5. 'MeriUnnati Mere Haath' is the punchline of 5. CDS
which project. 6. 1YR
6. The minimum period of deposit under 7. 18-30YR
Recurring Deposit Account is: 8. 54
7. What is the minimum age limit to open a Yuva 9. 18-40
SB Account? 10. INDIAN contract ACT
8. Investment of Sale proceeds of Capital Assets
for exemption from Capital Gains
Tax under provisions of Sec _______ of Income
Tax Act
9. what is the entry age for APY
10. The right to set-off of a banker has been

conferred on the bank under

Questions Answers
1. RTGS 1. Real time gross settlement
2. CAGR 2. Compound annual growth rate
3. NIM 3. Net interest margin
4 CUE 4. Credit underwriting engine
5 OTMS 5. Offsite txn monitoring system
6 DSCR 6. Debt service coverage ratio
7 FFR 7. Financial follow up report
8. IMPS 8. Immediate payment service
9. LMS 9. Lead management system

10. A@TM 10. Asset tracking & monitoring
Questions Answers
1. TVSR 1. Title verification search report
2. ZCC 2. Zonal credit committee
3. HMM 3. Harvard Management Mentor
4. EMM 4. Enterprise mobility management
5. UPS 5. Uninterrupted power supply
6. RAROC 6. Risk adjusted return on capital
7. ESR 7. Early sanction review
8. CMS 8. Complaint management system
9 CRS 9. Common reporting standards
10 CRA 10. Credit risk Assessment
Questions Answers
1. Minimum NAI of salaried / pensioners for 1. 250000 per annum
availing car loan 2. 50000
3. 20%
2. As per Reserve Bank directives, No Dues 4. 15%
Certificates (NDCs) are not required for 5. 100000
any agricultural loans upto 6. 48m
7. Cash officer
3.under KGC , .....% limit is sanctioned for 8. No margin req
consumption purpose 9. Quarterly
10. 48hr
4. What is the margin for modified new tractor
loan scheme.
5.under modified tractor loan, collateral security

is not required upto
6.Repayment period for SSTL With Collateral

security
7. Who will appraise value of gold

ornaments offered as collateral

security for SSTL?
8. Minimum margin required for Tatkal tractor

loan.
9. What is the frequency of inspection in tatkal

tractor loan.
10 what is the turn around time for tatkal

tractor loan.
Questions Answers
1. What is the minimum land holding for sanction 1. 2acre
of TL? 2. 200lakh
2. Max loan under premium kisan gold card 3. 12m to 72m
scheme. 4. 155%
3.Repayment period of Agri ABL loan. 5. 65%
4.Primary security in Agri ABL Immovable 6. 25%
Property (Land and 7. 5lakh & 9 yr
Building) for value not less than... 8. Nabard
.........% of the loan amount by way of first 9. 3yr
charge 10. 1.25acre of wet land & 2.5
5. Maximum LTV Ratio based on loan limit will be @cre of dry land
as under Agri ABL
6. Margin required in broiler plus
7.Max loan under land purchase scheme and
repayment period.
8. 100% refinance is available
by...............under agri clinics and agri
business centre scheme.
9. SHG gold card is valid for
10. Who is marginal farmer

Questions Answers
1.For availing car loan, Net annual income of 1. Salaried-2.5lakh NAI
applicant and/or co applicant together to be Rs. Businessman/agricultural/prop.-
2.max loan amount that can be sanctioned to 4lakh NAI
salaried in car loan 2. 48times of net monthly income
3.For loans above Rs.10 lakhs, EMI/NMI ratio 3. 60%
should be
4. To effectively counter the competition in Auto 4. SBICAP securities
Loans, the Bank has taken a series of new
initiatives including entering into tie-up with
...........as our Corporate Agent for marketing
of our Auto Loans and related products
5.OCAS stands for 5. ONLINE customers acquisition
6.which dept has developed the OCAS solution
7. For reimbursement finance for the cars 6. LLMS DEPT belapur
purchased out of own funds which are not
more than ..... month old 7. 3MONTH
8. verification of vehicle registration details
from the website .......... 8. Vahan.nic.in, 30days
should be made in all car loans after ........days
from the date of disbursement.
9. The charge for each vehicle search has been
fixed as Rs........ which is to be paid on- 9. 50/-
line through SBI Internet Banking
10. If the borrower fails to get the vehicle
registered, with hypothecation charge in favour
of
the Bank, within ...... days from the date of
disbursement Or Bank‟s hypothecation charge is 10. 30days, 5000
vacated before liquidation of the loan, charge of
Rs. ....... (+ Service Tax) per month to
be recovered from borrower till Bank‟s
hypothecation charge is noted by RTO, after
sending due notice to the borrower.

Questions Answers
1. In car loan, the repayment 1. 70yr
period will, in no case, exceed beyond ......
years of the age of the borrower. 2. Half yearly
2. In case of NPA car loans, frequency of
inspection is 3. 2 month
3. Migration of the auto loan documents along
with above PDDs to respective 4. 5 lakh &abv
RACPCs and RASMECCs to be effected within
..... months from the date of 5. 2yr
disbursement.
4. Obtention of two reports from Credit
Information Companies (CICs) for Auto
Loans above Rs.....
5. Takeover of car loans will be considered 6. 7yr in used car
selectively where the vehicle is not more than
......years old
6. The loan should be repaid within ..... years
from the date of the original purchase of the
vehicle
7.min amount of loan in take over of combo loan 7. No take over
8 In case of NRI car loan , borrower should
have been employed atleast for last .....years. 8. 2yr
9. Resident Indian who is the guarantor to the
loan should be a close relative (as 9. Section 6
defined in Section ............. of the Companies
Act 1956) of the NRI borrower.
10.Min income to avail NRI car loan 10. 1000 USD per month

Questions Answers
1.max loan that can be given under NRI car loan 1. 18times of NAI of NRI
2. The equitable mortgage of the Housing Loan
will be extended to cover the Car Loan for the 2. 10lakh
loan amount above .........under loyalty car loan.
3.Target age group for nano youth car loan 3. 18-28, 25in case of college
going students
4.Min and max loan under SBI Nano youth car 4. 1lakh & 2.75 lakh
loan
5.Min and max loan amount under Car loan OD. 5. 3lakh & no max
6.Max loan for used vehicles is capped at 6. 15lakh
7.Margin for pre-certified owned car loan 7. 20%
8.Under certified pre owned car loan, Age of 8. 8 year

the vehicle should Not more than .... years old.
9. Net annual income of applicant and/or co- 9. 2lakh

applicant if any, together to be
Rs......./- and above for availing certified pre
owned car loan
10. Min and max loan of certified pre owned car 10. 1lakh & 5lakh
loan
Questions Answers
1. MTSS 1. Money transfer service scheme
2. MDR 2. Merchant discount rate
3. CDR 3. Corporate debt restructuring
4. QR code 4. Quick response code
5.MAB 5. Merchant acquiring business
6. USP 6. Unique selling proportion

7. MPIN 7. Mobile personal identification
8. EDPMS number
9. EWS 8. Export data processing &
10. GPRS management system
9. Early warning system
10. General packet radio service
Questions Answers
1. Min and max loan under Car loan OD. 1 min 3 lac max 48 times nmi
2. 5000 per month
2. min NAI For regular petrol/diesel/gas 3 6 times nmi
operated scooters & motor cycles 4 60 month
5 48 times nmi
3.Under two wheeler loan, For salaried persons, 6 branch interface
the maximum loan amount is restricted to ...... 7 25 lac
8 cbdt
4.Repayment period for super bike loan 9 500000
10 1 lac
5. Max loan amount under SME car loan
6. PPK has to be claimed by the INB officer in
7. Under “e-Smart SME”e-Commerce Loan

Maximum Limit Amount
8. Nodal agency for FATCA/CRS is
9. In Power Pack account Minimum Balance

required
10. In State Bank Business Debit Card ( Pride )

Daily Cash Withdrawal Limit

Questions Answers
1. Min and max loan in SBI global edvantage loan 1 20 lac &1.5 crore
2. Margin for student loan uptoRs 4lacs 2. nil
3.max loan amount For Teachers & Staff of 3 24 times nmi

Government Schools who are employees of the
State Government is equal to
4.Type of loan facility in xpress credit Elite 4 dropline od
5. EMI/NMI ratio in pension loan 5 50% family pension 33%
6. Min loan amount in loan against property 6 10 lac
7.min and max loan under SBI home insta top up 7 1.lac &5 lac
loan
8.min loan amount in flexi pay home loan 8 20 lac
9.Min and max repayment period for sbi flexi 9 25 to 30 year

pay home loan
10. Min and max loan under SBI realty 10 5 lac & 15 crore

Questions Answers
1. VPIS 1 valuable papar inventory system
2. GRR 2 gross rate of return
3 CRR 3 cash reserve ratio
4. EPS 4 earning per share
5. CEEP 5 customer experience excellence
6. FEEL programme
7. LTV 6 farmer easy empowered loan
8 HTTP 7 loan to value
9. PML 8 hypertext transfer protocol
10. CFT 9 prevention of money laundering
10 combating of finance terrorism
Questions Answers
1. Periodical inspection frequency for ‘Standard’ 1 no requirement
car loans 2 30 lac
2. The maximum loan amount under HamaraGhar 3.0 .05%
Scheme is ? 4 20 lac
3. The interest concession for Women borrowers 5 demand loan
under ‘Her Ghar’ scheme 6 10 lac
4. Maximum Home Loan for 7 any no of time
Purchase/construction of a dwelling unit per 8 5000 to 20000
family at other centers that comes under 9 5 lac
priority sector is? 10.195(3 closed)
5. The type of home loan under Earnest Money
Deposit Scheme is?
6.Minimum size of the housing loan under SBI
Home loan PAL is?
7.SBI Home Top up can be availed for how many
times during the currency of the Housing loan?
8. For Silver category of CSP account the gross
monthly salary is between ____ and ___
9. The minimum amount of Loan that can be
sanctioned to a unit under SME Smart Score
is__
10.total number of foreign branches in sbi?

Questions Answers
1. ETF 1 exchange traded fund
2. CSO 2 credit support officer
3. FSDC 3 financial stability & development
4 NFS council
5.MMID 4 national financial switch
6.NPCI 5 mobile money identifier
7. CDM 6 national payment corporation of
8.GRC india
9. FTP 7 cash deposit machine
10.IBCH 8 green remit card
9 file transfer protocol
10 in branch cash handling
Questions Answers
1. NPA tracking in CBS happens at....interval 1 daily
2. For Setting up SWEEP for SB plus account,
the User will select the 2 weekly/ monthly
following Cycle in the SWEEP screen
3. When Hanging transactions are found during 3 8083
the transactions in CBS, the
user has to go for which screen to verify and 4 temporary customer refrence
take corrective steps number
4. TCRN in Online Savings Bank Account
Application refers to 5 110
5. CIF (Customer Information File) creation has
to be validated with a minimum score of ----- 6 finance one
for free operation of accounts created under the
said customer 7 8
6. Which software is used for preparing
Corporate General Ledger (CGL)?
7. Minimum length of password in CBS has ----- 8 f7
-- characters
8. Which is the shortcut key used to verify the 9 seurity created against loan
customer account number and name?
9.In CBS, Collateral means 10 infosys
10. The CBS for foreign offices is supplied by

Questions Answers
1. FDI 1.foreign direct investment
2. GDP 2.gross domestic product
3.EPFO 3. Employee provident fund organisation
4. IRDAI 4.insurance regulatory development authority of India
5. FSSAI 5.food safety standards authority of India
6. UIDAI 6.unique identification development authority of India
7.GST 7.goods and service tax
8URL 8.uniform resource locator
9. SLR 9.statutory liquidity ratio
10. CDD 10.customer due diligence
Questions Answers
1. ATM failed transactions are to be resolved 1. 7 working days
within a maximum period of
........ from the date of receipt of the 2. Broad money(M1+time deposits
customer complaint. excluding post office saving bank
deposits)
2. What is M3
3.Min age to avail Stand up India scheme. 3. 18 years
4. Min and max size of subscription in SGB. 4. 1gm to 500gm per individual per
financial year
5.PREMIUM PAID IN KHARIF? 5. 2%
6. The maturity period of CDS should be not less 6. 7days & 365 days
than...... days and not more than .........
7.LRS stands for 7. Liberalised remittance scheme
8.ICAAP stands for 8. Internal capital adequacy

assessment process
9.UCIC
9. Unique customer identification

code
10. Systematically important
10.What is SIB, How many SIBs are there, bank..too big to fail
name them. ICICI & SBI
Questions Answers
1. Validity for SBI Smart Payout Card is __years? 1 10 years
2. What is the Maximum Balance limit per Wallet for Non 2 10000
KYC compliant Wallet in
Mobicash? 3 pml act
3. Money Laundering is defined under ___ Act 4 financial action task

force
4. Full form of FATF
5.Cash retention limit of
5. The coverage of cash-in transit insurance will be branch
limited to ___
6 SEC 489 INDIAN PENAL
6. Printing & Circulation of forged Indian currency notes CODE
is an offence u/s
7. Limitation period of a TDR is 3 years from the date of 7. DEMAND
8. Garnishee orders are issued by the 8 .court
9. “SMS UNHAPPY”, to be send to which number

9. 8008202020
10. RTMU
10 regional treasury
marketing unit

Questions Answers
1. Under how many grades revised Risk rating is divided 1 4 A,B, C, D
under RFIA
2 postage & TELEGRAPH
2. RTI fee Rs 10/- collected from the customers in cash, CHARGES account
is to be credited to
3 centralised online
3. CORE in CBS stands for: realtime environment
4. Which section of NI Act deals with payment in due 4 sec 10

course?
5. Under Prevention of Money Laundering Act 2002 banks 5 fiu ind

have to report suspicious transactions to
6. Under which section of Partanership Act 1932,

partners are Jointly and severally liable for all acts done 6 sec 25
while he is a partner
7. Where the time period is not mentioned in a promissory

note, it is 7 demand
8. customer wants return of his paid cheques. He can ask

his bank to return him 8 sec 45z of br act
the paid instruments under the provisions of
9. R-RETURN statement SUBMITTED

9 fort nightly
10.When funds from NRE accounts are repatriated, the
exchange risk is borne by 10 customer

Questions Answers
1. OTP 1 one time password
2. RERA 2 real estate regulation & development act
3. ITRAMS 3 intranet based training management system
4. CVO 4 chief vigilance officer
5. UPI 5 unified payment interface
6. GLS 6 global linked services
7. AQR 7 asset quality ratio/review
8. ELSS 8 equity linked saving scheme
9. CCDP 9 centralised credit data processing
10. NAV 10 net asset value

Questions Answers
1. Bank notes issued by RBI are exempted from payment of 1.Sec 29 rbi act
stamp duty as per
2.international commercial
2. INCOTERMS stands for ____ terms
3.UCPDC has.....articles 3.39
4. ISBP stands for _ 4 interanational standards on

Banking practices
5.What does BRC stand for?
5.bank realisation certificate
6. Foreign trade policy is announced by
6.Ministry of commerce
7. Minimum loan amount under FCNR(B) in USD is
7.25000
8.Udyami Tara relates to
8.stand up India scheme
9. Type of facility sanctioned under Simplified Small
Business Loan is 9.dropline OD
10.50%
10.LTV Ratio under ABL is--% of realizable value of
security

Questions Answers
1. In CBS, Housing Loan Interest certificates are 1. Centralised mailing
generated and sent to the customer from system,mumbai
2. The OVVR allotment and checking reports needs to 2. 10 yr,IN CBS 3 years
be stored in separate server for retrieval purpose as
and when required as per record retention period
3. Mobiliser code is to be input under 3. Misc section
4. . The report „List of NPA Accounts‟ is a 4. Daily report

____________ report
5. Before transferring an account to Recalled Assets, 5. IRAC 4 & above

the IRAC status should
6.The website developed and maintained by CBS for 6. DCOG

downloading the reports and extracts and other User
related functions is
7. Name of the State Bank Data Purification Project is 7. Project Ganga
8. Which of the 3 parameters impacts TDS in deposit

account 8. Pan no., Gender and DOB
9.In CBS, under TDS automation functionality, the 9. Tds collection ac
amount of TDS deducted gets credited to the TDS BGL 3199362
account...........
10. When a customer makes request through INB for 10. Do manual intervention
issue of Draft or Loan account closure, the Branch has txn
to

Questions Answers
1.Who provides connectivity among ATMs of 1.National financial switch

various banks?
2. ATM PIN authentication hardware installed 2.Racal, UK

at ASC is supplied by?

3. Front end software used by the branches in 3.B@NCS Link
CBS is known as?
4. What are the minimum and maximum amount 4.Minimum Rs.500/-

of top up of a Gift card? Maximum Rs.50000/-
5. VIRUS stands for 5.Vital Information Resource Under

Seize
6. The term "White Plastics" refer to 6.Counterfeit Credit Cards
_________.
7.Digital Signature
7. Public Key and Private Key are related to
8.F12
8. . Which is the shortcut key to obtain
previously used Customer no.(CIF) / Account
Number? 9.ASBA
9. An INB customer can apply for an Initial

Public Offer using 10.Secure
10. In the website of online banking of

SBI, https://www.onlinesbi.com,the letter „s‟
stands for:

Questions Answers
1. Stealing of personal and confidential information by cyber 1 phishing
criminals is called
2 sec 31 of rbi act
2. Issue of bearer demand drafts is not permitted as per
the provisions of 3 reverse repo
3. If RBI sells securities to banks, the ------------ rate 4 profit

is applicable
5 increase liquidity in
4. Dividends are paid to shareholders out of market
5. The lowering of Repo rate immediately leads in 6 RBI
6. FIU-IND works under the supervision of
7. Banks have to submit the details of unclaimed deposits to

RBI as per the provisions of 7 sec 26 of BR act
8. CRR is maintained as per the provisions of 8 sec 42 of RBI act
9. Who was the Chairman of Working group on cheque

truncation and e-Cheques? 9 r b burman
10. SFMS messages containing digital signature are legally 10 IT act

enforceable under

Questions Answers
1. CAR according to Basel-III is 1. 11.5%
2. A risk arising to the bank from failure of internal 2. Operational risk

systems, procedures, human failures is called:
3. A financial contract, where the holder has the right to 3. Option

buy or sell a pre-fixed quantiry at a pre-fixed price,
without and obligation to buy or sell is called :
4. Difference between the amount of interest paid and 4. Surplus/NIM

interest earned is known as:
5. Clean Note Policy has been issued by RBI under 5. BR act
6. New Name of Planning Commission is NITI Aaayog, 6. National institution for

expand NITI transforming India
7.UFCE stands for 7. unhedged foreign

currency exposure
8. Licensing of Bank is under which Sec of................... 8. Sec 22 of BR act
Act
9. .......is a centralized web based software for 9. SBI-Ethic

exceptions of data.
10. The net profit of a company divided by the total sales
of the company gives____________ ratio. 10. Profitability

Questions Answers
1. As per KYC norms, for how much period banks are 1 5
required to preserve records in respect of
photograph and proof of address or identity?: 2 high
2. Risk type for customer having political exposed person
3. On whose recommendations, KYC norms came into force 3 fatf
4. Penalty of not less than _____ extended upto one lakh

rupees may be levied by RBI on any of the employees for 4 10000
non-compliance of KYC/AML/CFT guidelines:
5. LLP needs to be registered with . 5 registar of company
6. _____ are defined as total assets other than cash and

bank balances and money market 6 net asset
instruments
7. Payment for interest for delays in Bills is ______ 7 sb rate +2%
8. Banks should issue duplicate drafts within a _____ from 8 15, UPTO 14 DAYS
the receipt of request
9. Duplicate Draft in lieu of lost draft upto and including 9 5000

____ may be issued without seeking non
payment advice
10. The Government had amended the Prevention of Money 10.maintenance of record
Laundering (Maintenance of Records) Rules, 2005, for
setting up of the

Questions Answers
1. If the registration on CERSAI is done from 31st 1 500 & 1000
to 40th day after the date of transaction, the
additional fee will be charged _______ if loan
amount is upto Rs. 5 lakh. The amount of additional
fee will be ______if loan amount is above Rs. 5 lakh
2. MUDRA is set up with a corpus of ___and a 2 20000cr & 3000CR

credit guarantee corpus of Rs ......... crore
3. Illiterate account holder, how many witness for 3 2

nomination
4. Banker customer relationship in standing 4 agent &principal

instruction
5. Penalty for non submission e-TDS 5 200 per day
6. Account payee crossing defined in 6 not in any law, general banking

practice
7.CCR 7 counterfeit currency report
8. OD in PMJDY account upto 8 5000
9. If payment of Rs 20000/- is made in cash in 9 equal amt of FDR

case of FDR what is the penalty
10. In case of insurance of deposits by DICGC, 10 bank, 5PAISE PER 100, PER
what is the premium sharing ratio between bank and CUSTOMER PER BANK
depositor?

Questions Answers
Full form bonanza
1.KYC user agency
1. KUA 2. Cash management product
2.CMP 3. Date of commencement of
3. DCCO commercial operations
4.GDP 4. Gross domestic product
5 SMA 5. Special mention account
6 DCMS 6. Debit card management system
7 BSDA 7. Basic small bank deposit account
8 MAB 8. Merchant acquiring business
9.FEMA 9. Foreign exchange management act
10. SSK 10. Self service kiosk

Questions Answers
No of digits in
1. CIF 1. 11
2. Collateral 2. 11
3. PPK 3. 10
4. IFSC 4. 11
5 BSR 5. 7
6 MMID 6. 7
7. UID 7. 12
8 IMT ID 8. 15
9 OTP 9. 8
10. Product code 10. 8

Questions Answers
1. Collection period between one metro and state 1. 8&10 days
capital, For Our Branches ___ days, &with Other
Bank’s Branches ___ days
2. Usance bills are generally entitled to a grace period 2. 3

of __ Days unless the bill is drawn without grace.
3. Under Drop-Box facility which section is for 3. Yellow

depositing all outstation cheques required to be sent
for collection
4. Claims of missing persons, reported missing for a 4. 1lakh on indemnity

minimum period of one year can be
settled upto
5. Clayton’s Rule defines Appropriation of payments 5. 1st debit to 1st credit,

when several debts are owned fifo method
6. “Noting” and “Protesting” are defined in Negotiable 6. 99&100

Instrument Act-1881 under Sections
7. Minimum Paid-up Capital of Public Company is 7. 5lakh
8. Customer Day on ___ of every ____ (next day in 8. 15th &25th

case of holiday) to be observed at branches and
administrative offices
9. KMP stands for 9. Key managerial personnel
10. Excessive or illegal interest rate is called 10. Usurious interest

Questions Answers
Name the software
1. Trade finance 1 eximbill

2. ASC 2 base 24
3. Foreign office 3 finacle
4 CDC 4 bancs 24
5 Branches 5 banksclink
6 Money gram 6 deltawork
7 ALM 7 ofsaa
8 WUMT 8 translink
9 Online forex rates 9 mercury fx
10 Govt businessans 10 nicnet

Questions Answers
Days
1. Computer security day 1. 30 nov

2. Customer day 2. 15th 0r 25th of every month
3 Risk awareness day 3. 1sept
4 KY/AML day 4. 2nov aml/CFT day
5 SHG day 5. Tuesday
6 "KYC compliance and Fraud Prevention day 6. 1aug
7.Technology day 7. 11may

Questions Answers
Committes
1. HR 1. Khandelwal
2. Customer service 2. Damodaran, ss tarapore
3. Weaker 3. ghosh
4. SHG 4. Kalia
5. Factoring 5. Kalyansundaram
6 Setting of ATMs 6. Rangrajan
7. Financial inclusion 7. Narsimhan
8.Teller system 8. Talwar
9.BCSBI 9. S.S tarapore
10.Formation of SBi 10. Ghorawala
Questions Answers
1. WAN of SBI is also known as 1. State bank connect
2.DR site for CTS syStem is located at 2. Hyderabad
3.Dash board service for the bank has been 3. cognos business intelligent
developed by solution
4.SFMS message formats were developed by 4. IDRBT, HYDERABAD
5.Parter of State Bank for SBI Intouch 5. ACCENTURE (TECH PARTNER)
6.NFS is maintained by 6. Npci
7.NFS site is located at 7. MUMBAI
8.Head of the IT dept in the bank 8. DMD CHIEF information officer
9.Partner for aadhar card is 9. Itez
10.Signitrieve package enables 10. Sign retrieval & verification in

CBS

Questions Answers
1.Who publishes" IT forum" in the bank 1. SBIICM
2.Name of the fixed assets management software 2. Intranet based fixed asset
management system
3.SBI collect was earlier known as
3. i-collect
4.No of digits in UTR no
4. 16 in neft 22 in rtgs
5.First whilte label ATM in india was installed at
5 chandraparda, Maharashtra
6.Personal accidental death cover for platinum card
holder is 6. 5lakh
7.Type of card issued to pahala kadam pahli udan 7. Debit card with photo of
account holders child
8.Validity of international debit cards is 8. 5yr
9.custimized outward remiitance facility on the INB 9. RemXout

platform is known as
10.Max amount under ASBA for retail 10. 2lakh

Questions Answers
1.SBI DR site is located at 1. Chennai
2.Name the software of CGL 2. Finance 1
3.INB site of SBI is maintained by 3. Tech Mahindra
4.INFINET stands for 4. Indian FINAncial network
5.Software used at CAC 5. Kubera
6.network operations centre of state bank 6. Banglore

connect is located at
7.The technology which facilitates use of public 7. Public key infrastructure

networks to transmit data with privacy and
security.
8. Server at CDC is known as 8. Super dome
9.Simplified INB role is applicable to branches 9. 3 officer

with.
10.TPD stands for 10. transaction processing device
Questions Answers
1.BIAK stands for 1. built in authentication key
2.what is SBI FAST 2. cmp product
3. CDC stands for 3. central data centre
4.DICGC stands for 4. deposit insurance and

credit gurantee corporation
5 DICGC premium on deposits
6.according to the sec.....of.........act, liability of 5. 10 paise/PER 100

partner is joint and several
6. sec 25 of partnership act
7. RBI was established on the recommendations of
____________ coMission
7. hilton young
8. Strategic Training Unit has been created. The
unit is headed by a
8. cgm
9. Authorised Capital of State Bank of India is
9. 5000 cr
10.Bank has Five Apex Training Institute, Now
06th ATI is being set up in 10. kolkata , rajrath

Questions Answers
1.In order to facilitate outward remittances of foreign 16. FXOUT
exchange for personal SEGMENT customers through a
centralized platform, in a hassle free manner, GMU-K 17. AJAY TYAGI
has rolled out a new product
2. Who is Chairman of SEBI 18. GLOBAL

INTERMEDIARY
3. Expand GIIN IDENTIFICATION
NUMBER
4. Fidelity insurance cover for single window operator is 19. 5LAKH
Rs
20. SUNDRY
5. Excess cash found in the branch/cash dept is
credited to
6. If no instruction is given regarding breaking MOD 21. LIFO

TDR/STDR, ____ method be applied as default.
7. Minimum Limit for RTGS transactions is 22. 2LAKH
8. Premature closure of a PPF account on grounds of 23. 5YR

genuine hardship could be considered only
after the ______ from the end of the year in which
the account was opened
9. Under Drop-Box facility which section is for 24. RED

depositing cheques drawn on the same branch (Drop
Box Hosting Branch).
25. TRUSTEE &
10. Relationship of Banker with Payee of Draft BENEFICIARY

Questions Answers
Full form bonanza 1. Hypertext markup language
2. Hyper text trf protocol
1. HTML 3. Computer emergency response
2. HTTP team
3 CERT 4. Verified datewise monthly
4 VDMS statement
5. ESR 5. Early sanction review,
6 STR 6 suspicious txn reporting
7 SDR 7. Special drawing rights
8 SGB 8. Sovereign gold bond
9 UCIC 9. Unique customer identification
10. IFSC code
10. Indian financial system code

Questions Answers
History of SBI
1. Imperial Bank of India was formed in 1 1921
2 Imperial bank was formed by merging 2 bank of kolkata, bank of madras &
bank of Bombay
3 no of circles at the time on 01/07/1955 3 3
4. SBI logo has been designed at 4 national institute of design

Ahmadabad, 1 oct 1971, shekhar
kamath
5. No of branches of Imperial bank which has 5 470
been converted into SBI
6. Bank of madras established on 6 1st july 1843
7. In 2008, the government took over the stake 7. RBI

held by......
8. No of circles now 8 16
9 no of newly created NW Modules and regions 9 8 network , 25 AO , 100 RBO

10 Registered office is situated 10 kolkata
Questions Answers
Min and Max age for
1. Home loan 1 18 to 70 in shaury & privilage 75

2. Car loan 2 21.to 65 pay upto 70 , in assured
3. Gold Loan car loan min 18
4. NPS 3 min 21 no max
5. PMSBY 4 18 to 60
6 PMJJBY 5 18 to 70
7 Reverse mortgage loan 6 18 to 50
8 Digital KCC 7 min 60
9 Pension loan 8 18 to 70
10. Flexi pay home loan 9 no min max 76
10 21 to 45

Questions Answers
1.Loan upto 100% of on-road price of the 1 loyalty & ASSURED CAR LOAN
vehicle is available in which car loan scheme
2 18 times of nmi
2.Max loan amount in NRI car loan
3. The maximum loan amount in used car loan 3 48 times

that can be granted would be restricted to
....... times the net monthly income of salaried
persons
4. Margin for used car loan 4 15.%
5.Max repayment period for SBI youth nano car 5 60 month

loan
6. The ownership vehicle which is put up 6 2

for sale under certified pre owned should not
have changed more than ......times in pre owned

car loan.
7. Margin for certified pre owned car loan 7 20
8. Net annual income of applicant and/or co 8 4 lac

applicant together to be Rs........for granting
loans to agriculturists.
9. Obtention of two reports from Credit 9 above 5 lac

Information Companies (CICs) for Auto
Loans above Rs.
10.What is Online Used Car Price Guide? 10 a caluculator tool

Questions Answers
1. In Auto Loan the maximum number of co-borrowers can 1. 2
be
2. Which of the following is the maximum EMI/NMI ratio 2. 50%

for SBI Two wheeler loan?
3. In Bank’s Pre Approved Car Loan Product for TDR 3. 2lakh

Customers the minimum loan amount is Rs…………
4. Minimum and maximum amount of home top up loan are 4. 2lakh 5cr
5. After creation of mortgage, creation of charge needs 5. 30days

to be registered on the Central Registry portal within
______days of the creation of charge.
5 The maximum loan amount for repairs / renovations 5. 10lakh

should not normally exceed Rs_
6. Loan to Value (LTV) ratio Home Loan Amount Above Rs. 6. 75%
75 lacs is
7. Maximum loan amount under SBI Realty is Rs_____ 7. 5lakh
8. At any point of time not more than _____ loans will be 8. 2

allowed to exist underthe Home Top-up Loan scheme
9. NO SUCH
9. Minimum Net Monthly salary of the applicant should be STIPULATION, 2Yr

---------lacs for SBI Flexi Loan experience req
10. Under SBI Flexi Loan, minimum and maximum loan 10. 25yr-30yr
tenor are

Questions Answers
1.Full form of the following: 1.a. Integrated service digital
a) ISDN,b) MTSS c) MPLS d) VPA network
b. Money trf service scheme
c. Multi protocol lavel switching
d. Virtual payment address
2.When Installation of FIRST ATM By SBI- At
Jamshedpur ? 2. 1993
3.How many ATM switches in SBI?Name them?
3. 2, base 24&Electra
4.Pos limit of Global Debit card?
5.Reloadable limit of ezpay card? Validity for 4. 75000

the same?
5. 50000, no limit on number, 10yr
6.Validity of foreign travel card?
7.maximum total permissible withdrawal at 6. 5yr

Merchant Establishments and ATMs on a day for
international debit card ? 7. 2lakh & 1lakh(platinum)
8.Validity of global card
9.PPI?
8. 5yr
10. Cash limit (per day) of business debit card ,
9. Prepaid payment instrument
premium variant
10. 2lakh

Questions Answers
1.Maximum Quantum of loan financed for an 1 20 lac per grp 100 lac
individual under Agri clinic & ABC is
2. Under Broiler Plus Scheme, the minimum DSCR 2 1.75

is
3. Crop loan is secured by ----------------- 3 100%

of the standing crop.
4. KCC is valid for ------years and reviewed at 4 5 year, per year

------periodical intervals
5. What is the maximum repayment period 5 12 month

permissible under ProduceMarketing Loan
6. The account should have been a Standard 6 2

Asset in the books of other Bank/FI during the
Preceding ----- years in case of takeover of
Agriculture Advance.
7. AB1 (SIMPLE) is applicable to farmers 7 upto 1 lac

sanctioned with loan of Rs
8. Maximum loan amount that can be financed 8 25000

under GCC scheme
9. Consumption loan under KGC can be granted up 9 20%

to
10. Which of the following's is Kharif crop 10 april to sep

season

Questions Answers
1. The eligible income for getting Super Bike loan is 1 6 lac
……………?
2. Range of CIBIL score 2 300 to 900
3. We may also reimburse finance for the cars 3 3 month

purchased out of own funds whichare not more than
………………. Old?
4. In Bank’s Pre Approved Car Loan Product for TDR 4 3 to 7 year

Customers the Repayment period is……….years?
5. Maximum repayment periods under Gold Loan to

individuals ---- months for Demand Loan and ------ 5 12 &36 month
months for Overdraft
6. Under Skill Loan Scheme, repayment period upto Rs

50000/- is -----year. 6 3 year
7.Margin under SBI GLOBAL ED-VANTAGE SCHEME

is 7 10%in each diabursment
8. Under SBI Scholar Loan Scheme, maximum …..

years after commencementof repayment. Repayment 8 15 year
starts 1 year after the completion of the course.
9. Maximum loan amount under Tribal Plus Home Loans

Scheme is Rs
9 10 lac
10. Minimum loan amount under SBI Flexi Loan is Rs.-
------lac
10.20 lac

Questions Answers
1.expand O.C.I 1 Overseas citizen of India
2. Students with Pakistan nationality need to obtain 2 RBI,

prior approval for opening of their accounts from
3. Cash Transaction Report (CTR) is prepared for

transactions of 3 10LAC and above
4. As per PML Act, any deficiency in filing the

mandatory reports will attract penalty of 4.10000 to 1 lac
5. RBI reviews their KYC policy every year on

5 1st july
6. Utility Bill should not be more than _________
months old to be accepted as Proof of Residence 6 2 months
7. OVD to be obtained as which _______ Rule of

PML Amendment Rules 2013
7 pml rule 9
8. Which business unit is identified for establishing
New / Renewing the correspondence relationship
with Co-Operative Banks 8 smebu
9. Trust accounts are classified as 9 high risk
10. Money Laundering defined in which section of 10 sec 3

Prevention of Money Laundering Act, 2002.

Questions Answers
1. What is the age criterion for individuals to 1. 18-60
open New Pension System (NPS)?
2. For appealing to DRT, the borrower need to 2. 75% of suit amount

deposit
3. Nominee obtains payment in the capacity of 3. Trustee of legal heirs
4. Banks are required to submit CTR (Cash 4. Fiu-ind, 15th

Transaction Report) to ------- within --
of succeeding month.
5. “Floating charge” is a charge created on 5. Asset created out of bank

finance
6. Banks are required to preserve old records as 6. BR act
per
7. Percentage of DRI advances should go to 7. 2/3rd 66.66%

Rural/Semi Urban Branches.
8. UCPDC guidelines are issued by 8. ICC
9. Bank has right to cancel the allotment of 9. 3 yrs in medium risk, 5yr in low
locker, if the customer does not risk
operate or surrender within ………. despite notice
sent to the locker holder.
10. High Debt Service Coverage Ratio (DSCR) 10. Repayment capacity of
indicates borrower

Questions Answers
1. World‘s largest bank in terms of balance sheet size is 1. Commercial bank
of china
2. What is the indicative bench mark of the Bank in
respect of Current Ratio for Manufacturing units? 2. 1.33
3.Under project vivek, CRA will be replaced by 3. Credit

underwriting
engine
4. Maximum loan amount under Pension loan scheme for 4. 14lakh

pensioners ?
5. Project vivek envisages the shift 5. Balance sheet

from............financing to.............financing. financing to cash
flow financing
6. How many Demand Loans can be sanctioned against
same TDR/STDR within the overall permissible amount? 6. 4, 5th on RM’s
permission
7. Minimum Loan amount under SBI Flexipay Home Loan…
8. Name the product offered to the Home Loan 7. 20lakh

borrowers for funding 100% SBI Life premium
8. Sbi suraksha
9. The minimum period for which rental for a locker will 9. 3yr + break open
be recovered in advance is charge
10. Environmental data of a branch is available in the 10. Branch dossier

Questions Answers
1. The person who is transferring the possession 1. bailor
of goods as per Indian Contract act for a
specific purpose is called
2. What is the relationship between a person 2. trustee and beneficiary

who has left articles by mistake in
the bank premises:
3. From time to time, the time period for 3. Industrial disputes act 1947
banking service being public utility services is
extended under which of the following Acts
4. What is the commission payable to the bank 4. 11

under PMJJBY?
5. C-Edge Technologies is a joint venture 5. TCS

between SBI and _____
6. What are the one-time locker registration 6. 843

charges ?
7. Revival letter is obtained under SME 7. sme 11

documentation by using the form
8. Minimum Resultant Balance to be maintained 8. 25000

for Savings Plus account is___
9. Maximum deposit amount that can be accepted 9. 50000

in Flexi Deposit amount during
the year is
10. Minimum loan amount that may be sanctioned

to eligible borrower under ―SBI Asset Backed 10. above 10 lac
Loan is

Questions Answers
1. The Term used in CBS, corresponding to ‗Job 1 trickle feed
Stream‘ in Bank Master, through which a number
of transactions can be put through in CBS is
2. Data Entry is reduced from present ___ 2 4 to 2

fields to ___ fields in the new look Roopantar
3. Loan - EMI/Term/ Amount Calculator will be 3 1

available to the teller with capability of
4. All High Priority queues are highlighted with 4 light pink

_________―color, however only when High
priority queues are viewed (―View high priority
txn checked
5. Passing Officer/ Field Officer/ Divisional 5 45

Manager/ Branch Head with User management
rights will have the user type of
6.1 lakh
6. LIMIT for IBCH in branch?
7. System Integrators for SBI aspirations 7 IBM lotus
8. Every day, the Cash Officer will generate

Teller by_______________ for verification of 8 RANDOM REPORT
his/her Cash from the following CBS :
9. Full form of the term GLIF is : 9 general ledger interface file
10. Default password of ‗Service Desk‘ of CBS 10 service desk

is

Questions Answers
1. Overdraft under PMJDY A/c is valid for a 1. 36 month
period of
2. What is the limit on Foreign Remittance to a 2. not allowed

SMALL Account
3. The term `Co-Parceners‘ relates to 3. huf
4. The change of legal character of an 4. materials alterations

instrument is called
5. Limitation period for mortgage is _ 5. 12 year
6. Super Senior Citizen or Very Senior Citizen is 6. 80

a person who age is _______ years
and above.
7. Under Section ______ of RBI Act, issue of 7. 31

bearer draft is prohibited
8. The appellate authority under Banking 8. deputy governor RBI

Ombudsman Scheme is
9. banking codes & standard
9. BCSBI is the acronym for board of India
10. A contract of Insurance is a contract of 10. indemnity

Questions Answers
1. Failure of Bank‘s computer system as per Basel II 1.Operational risk
norms is attributable to which type of risk
2. 20sec
2. As a measure to protect the gullible customers from
the miscreants, who are cheating them through various
social engineering tactics adopted on the ATMs ,Bank has
reduced the PIN entry time to
3. The Daily POS limit for new Business card State Bank 3. 5lakh
Premium(Platinum)is
4. What is Metagrid? 4. Gold banking software
5. Minimum Overdraft can be availed under RINB

5. 25000
6. Green Remit Card per transaction limits is 6. 25000 & 1lakh

_______subject to a monthly cap of ____per remitter
7. IRATA stands for 7. Inb request approval

through ATM
8. First Bank in India to introduce the concept of 8. SBI

―Digital Banking
9. What is the monthly fund transfer limit in state bank 9. 1 lakh

buddy
10. Nodal Branch for Western Union Money Transfer 10. Nri branch kochi
Payments is

Questions Answers
TO made easy part 111
1. Min loan in assured car loan 1. 2lakh
2.Min amount of loan under pre owned car loan 2. 1 lakh
3.min NAI to avail home top up loan 3. 3lakh per annum
4. What is the age group for availing flexi pay 4. 21-45

home loan.
5. 25yr
5.Min repayment period for flexi pay home loan.
6.max loan for interiors and furnishings under 6. 25lakh

home loan.
7. Margin in 2 wheeler loan 7. 25%
8.Max amount of loan for family pensioner 8. 33% or 18times of nmp or 5lakh
9. Online OD against tdr/stdr can be created 9. 8 to 8

between.
10. To cover shortfall of funds for
10 SBI bridge home loan is for purchase of new home

Questions Answers
1. Under “Money Transfer Service Scheme”, a 1. 30
beneficiary can receive a maximum
of…................in a calendar year (Maximum
limit per transaction is USD 2,500)
2. The Code of Bank‟s Commitment has been 2. BCSBI

issued by
3. Under Section 19(1) of the Banking Regulation 3. Parallel services in lieu of

Act, 1949, para-nanking activities refer to banking for earning profit like
bancassurrance, mutual fund etc
4. Name the of the Register to record exchange 4. Cash receipt & delivery book
of Cash between SWOs in Cash Dept.?
5. The CBS for foreign offices is supplied by 5. Infosys
6. The Name of the website launched by the 6. AT@M

bank to track stressed assets at the branch in a
systematic manner.
7. What is the claim in national commission under 7. 1cr & abv

Consumer Protection Act-1986
8. Exemptions from disclosure of information 8. 8

defined under Sec _____ of RTI Act
9. The Daily Domestic Pos Limit of State Bank 9. 75000

Global Debit Card
is.....................
10. Error code 62 in ATM means 10. PIN tries exceeded.

Questions Answers
1. What is max amount that can be remitted 1. 10lakh
through NEFT and RTGS in RINB.
2. new beneficiary, if approved by you during 2. Within 4 hr

the period from 6.00 AM to 8.00 PM, will be
activated on the same day
3. Euro, GBP, USD
3. Through INB, International Funds Transfer,
Currently the facility is
available only in 3 international currencies viz 4. 4
4. International Funds Transfer, Only up to

_____are allowed for a single customer per 5. 1101_2202_5101
calendar month.
6. T+5
5.State Bank Mcash ,Per transaction , per day
and monthly limit
7. 6Months
6. The passcode generated in mCash to claim
money by the beneficiary is valid upto_
8. 5000
7. Online OD against Fixed Deposit- The
minimum residual tenor of 9. Ez-pay card
TDR/STDR should be
8 . Maximum Top-up for SBI Buddy through INB

is___ 10. 50lakh & 500cr
9. An ideal product for making periodical

payments like salary, wages,commission, etc and
also can be issued as an add-on Card for the
existing account holders
10. Maximum Transaction Limit per transaction in

Vyapar & Vistaar.

Questions Answers
1.Another name for Khata, Khata plus , Vyapar 1 advantage , advantage plus ,
& Vistaar privilege & freedom
2. Central Hub of HCL Comnet is located at 2 Noida
3. In Mobicash, if the wallet is not used for___ 3 6 month

the account will be treated as
suspended/dormant
4 10000 & 20000
4.SBI pay per transaction and per day limit
5 per txn 5000, monthly 25000
5. What is the Fund Transfer (Transfer to
Account) limit in SBI Buddy in Full KYC.
6 10 year
6. SBI Buddy- For registration minimum age
should be_ 7 2000
7. Maximum per Transaction limit without swiping 8 aurin pro

card is_
9 Sbi mingle
8. For SBI No Queue, Service provider is__
9. ___is the social banking application of SBI

which enables you to perform basic banking 10 beneficiary 25000 sender 50000
activities through SBI official Facebook page
/Twitter
10. What is the IMT maximum monthly

transaction limit per beneficiary & per sender
respectively.

Questions Answers
1. KCC with a credit score of .......& below 1 25 & below
should not be considered for sanction
2 18times NMP
2. Quantum of loan under SBI Loan to Pensioners
is ________times monthly pension of
the applicant. 3 60 month
3. Minimum loan term under SBI Privilege Home 4 2YEAR

Loan & SBI Shaurya Home Loan is __
5 40 %
4. SBI FlexiPay Home Loan is for salaried
applicants with minimum ____ year experience. 6 90 %
5. Margin stipulated for advance against RBI 7 society registration act 1980
relief Bonds is__
8 5 to 7
6. Maximum loan under SBI Reverse Mortgage
Loan is ______% of the value of 9 .5 year
property mortgaged.
7. BCSBI is a registered entity under ….act. 10 1000 & 10000
8. In case of SBI Flexi deposit period of deposit

will be minimum --- years and maximum ---
Years.
9. what is the minimum time period for opening a

Tax saving deposit account.
10. what is the minimum and maximum amout in

for SB-TINY -OD (in Rs)

Questions Answers
1. UCC refers to 1 unconditional cancelabilty clause
2. Facility Rating in CRA is applicable for 2. 5 crore & above

exposures of___

3. Validity of Smart Payout card is 3 10 year
4. Two currency Note press owned by RBI 4 Mysore & salboni

are at__
5 6 month
5. Online Self – Audit by BMs, once in ___
months 6 16
6. Inter Office Instrument type is___ 7 6 month
7.Sanction of a CC account will expire, if not

availed within........... 8 single debit & multiple credit
8. For Tickle feed mechanism, file upload

type “SMC” refers to 9 Comlink USA
9. Finance1 (Finance-one) for CDC has been

acquired from_ 10. Oracle
10. Software used in CBS for maintenance of

data-base is_

Questions Answers
1. Min loan amount under super bike loan 1 3 lac
2. Collateral security should not be less than 2 if liquid 100 % or collateral

......% in Ed vantage student loan. mortgage 110 %
3. Min and max loan under SBI reality 3. 5 lac & 15 crore
4. Minimum Credit Limit of Rs. ..... will be 4 3500 5000

provided against deposit of Rs. ..... in student
plus advantage card.
5. Min age to avail assured car loan 5 18
6. Specific gravity of pure gold is___ 6 19.3
7 bi monthly

7. Balances in Currency Chest have to be
verified by an official other than the joint 8. Contingent
custodians once in__
8. Unclaimed deposits are classified by the bank 9 1 lac

as ___liabilities
10 unhedged foreign
9. Minimum amount eligible for takeover, in case currency exposure
of ACC accounts
10. Expand UFCE
Questions Answers
1. A link „New PPF Account‟ has been provided 1 e services
under.......................tab in post login
section of OnlineSBI
2. What is the maximum cash withdrawal limit 2 15000

from ATM for SME Sahaj customers?
3. To facilitate hassle free payment of monthly 3 e, pay facility

telephone bills/electricity bills etc., the facility
available in INB is
4. What is the minimum and maximum amount 4 100 & 50000

that can be issued under Virtual Card using SBI
Online Banking?
5. Who acts as the service provider and 5 RBI

transfer of funds to the credit account with
other participating Bank through NEFT under
SBI Online banking facility?
6 Sbi cap security
6. Which company in association with SBI offers
DEMAT A/c and state of the art online trading
product to investors and traders.
7 Sbi collect
7. To provide fee collection facility for
institutions through our CBS platform, SBI
introduced ________ 8. Data center operations group
8. The website developed and maintained by CBS
for downloading the reports and extracts and
other User related functions is 9 http:// 192.168.25.52
9. What is url for branch interface

10. Straight through processing &
10. The type of transaction that can be carried manual intervention transaction
out by INB customers is

Master circular term deposit
The Term Deposit scheme is one of the oldest schemes of the bank which provides a facility
to park surplus funds in a high interest earning product. It has flexibility of period from 07 days
to 120 months and varied periodicity options of paying interest as per one‟s requirement
IBA has put a cap of 120 months as the maximum period for accepting Term Deposits.
Both Retail Term Deposits and Bulk Deposits provide for additional interest to be paid to
Senior Citizens and Staff members and Staff Pensioners.
Term Deposits should not be issued with effect from a „back date‟ against the balance lying in
Current/Savings Bank accounts.
If the joint depositors prefer premature withdrawals of term deposits also in accordance with the
mandate of „Either or Survivor‟ or „Former or Survivor‟, as the case may be, on expiry of one
of the depositors, Bank‟s extant instructions should be followed meticulously. The instructions in
this respect are to obtain a modified “Either or Survivor” form (Annexure-II) from all the
depositors either at the time of opening of term deposit account or at any time before maturity.
After obtaining this modified form branches can pay the deposit, before maturity to any one of
them, on expiry of one of the depositors.
ISSUE OF TERM DEPOSITS IN THE NAMES OF ILLITERATE PERSONS

i. Term Deposits may be accepted from illiterate depositors on the same terms as for other
depositors; the procedure to be followed will be the same as that for Savings Bank accounts in
the names of illiterate persons.
ii. The photograph will be renewed after three years. These instructions will be diarised and
necessary arrangements for obtaining fresh photographs made at the appropriate time.
in case the deposit is to be paid before maturity. If the operating instruction is „Either or
Survivor‟ and one of the depositors expires before the maturity, no pre-payment of the
fixed/term deposit may be allowed without the concurrence of the legal heirs of the deceased
joint holder. This, however, would not stand in the way of making payment to the survivor on
maturity.
In the case of Non-Resident (External) deposits of staff members, existing or retired, the
discretion given to banks to allow the benefit of additional interest rate of one per cent per
annum under NRE/NRO accounts stands withdrawn.
v. The benefit of additional interest rate for Staff members cannot be offered on Term Deposits
standing In the name of HUF even if the Karta of the HUF falls in the Staff category.
No premature penalty will be levied from staff and SBI pensioners. Interest rate to be paid on
premature withdrawal of Term Deposits by staff and SBI pensioners will be same as applicable
for the period deposit remained with the Bank.
a. Bank allows additional interest to senior citizens (60 years and above) over and above the
normal card rates, if the amount of deposits are Rs10,000 and above for a period of one year
or more.
b. The additional rate to Senior Citizens is applicable for both, Retail as well as Bulk deposits.
c. The benefit of additional interest rate for Senior Citizens cannot be offered on Term Deposits
standing In the name of HUF even if the Karta of the HUF is a Senior citizen.
i) The Mental Health Act, 1987 provides for a law relating to the treatment and care of
mentally ill persons and to make better provision with respect to their property and affairs.
According to the said Act, “mentally ill person” means a person who is in need of treatment by
reason of any mental disorder other than mental retardation. Sections 53 and 54 of this Act
provide for the appointment of guardians for mentally ill persons and in certain cases,
managers in respect of their property. The prescribed appointing authorities are the district
courts and collectors of districts under the Mental Health Act, 1987.
ii) The National Trust for Welfare of Persons with Autism, Cerebral Palsy, Mental Retardation
and Multiple Disabilities Act, 1999 provides for a law relating to certain specified disabilities.
Clause (j) of Section 2 of that Act defines a “person with disability” to mean a person suffering
from any of the conditions relating to autism, cerebral palsy, mental retardation or a
combination of any two or more of such conditions and includes a person suffering from severe
multiple disabilities. This Act empowers a Local Level Committee to appoint a guardian, to a
person with disabilities, who shall have the care of the person and property of the disabled
person.
SB master circular important point
b) In the case of an illiterate person, the application form for opening of the account and the
relative cash deposit voucher should be filled in by the operator. The left hand thumb
impression of the depositor should be obtained on the account opening form in the place
provided for signature of the depositor and on the specimen signature sheets in the presence
of a supervising official authorized to sanction opening of accounts who should attest the thumb
impression in the same manner as the specimen signatures. Brief details of one or two
identification marks, if any, of the depositor, such as a mole or scar, should be noted on the
account opening form under authentication of the authorized official.
m) In case of ‘self operated cheque facility account’ of Blind / visually challenged depositors,
the third party cash payment of self drawn cheques is permitted at Home branches only.
o) At the time of issuing such cheque(s), thumb impression of the account holder should be
duly affixed on the cheque and authenticated by the bank official under his signature and SS
No. along with the bank stamp, where Blind / visually challenged depositor is unable to sign
consistently.
p) Where Blind / visually challenged depositor is unable to sign consistently, Cheques drawn
under his/her signatures shall be dishonored when presented for payment in case his/her thumb
impression affixed on the cheque is not attested by the Bank official.
q) For cash withdrawals the Blind / visually challenged person should personally present
herself/himself before the Bank official who will facilitate in filling up the cheque.
13 Opening of Bank account by Patients affected by Leprosy

There is no bar for leprosy patients in opening of accounts. However, if such patients are
incapacitated, Bank’s extant Instructions/procedure for Operation of Accounts by Old &
Incapacitated Persons would apply,which read as under:
(a) Wherever thumb or toe impression of the sick/old/incapacitated account holder is obtained, it
should be identified by two independent witnesses known to the bank, one of whom should be
a responsible bank official.
(b) Where the customer cannot even put his / her thumb impression and also would not be
able to be physically present in the bank, a mark can be obtained on the cheque /withdrawal
form which should be identified by two independent witnesses, one of whom should be a
responsible bank official.
27.6 To comply with RBI guidelines for becoming more proactive in finding the whereabouts of
the account holders whose accounts have remained inoperative, an annual review should be
carried out of accounts with the balance of Rs. 5000/= and more and in which there are no
transaction for more than a year.
27.7 To reduce the risk in ‘Inoperative Accounts’, if the balance in the account is more than
Rs.25,000/= the following steps should be taken:
a. If the letter is returned undelivered, they may immediately be put on enquiry to find out the
whereabouts of customers or their legal heirs in case of deceased account.
b. In case, the whereabouts of the customers are not traceable, person(s) who has/have
introduced the account holder should be contacted. Contacting the employer or any other
person whose details are available with the Bank may also be considered.
c.The account holder may also be contacted telephonically if the telephone/cell number is
available. In case of non-resident accounts, account holders may also be contacted through e
mail and confirmations be obtained Balance of unclaimed deposit up to Rs. 1,00,000/- (Rs one
lac only) will be processed directly by the branches after due diligence and KYC compliance.
For cases having balance over Rs. 1,00,000/- (Rs. one lac only), the branch will obtain
sanction from their controllers before activation of the account or payment of the balance.
Sanction will be given by the Controllers only after branch ensures due diligence and KYC
compliance. has formulated a Scheme called ‘Depositors Education and Awareness Fund
Scheme 2014’ under Section 26 A of Banking Regulation Act, 1949, and accordingly instructed
banks to transfer the Unclaimed Deposits as on 23.05.2014, to this Fund on 30.06.2014. All
accounts becoming unclaimed subsequently are being transferred on monthly intervals, through
Central Accounts Office Kolkata. Before transfer of the fund, interest at applicable rates are
applied to the balance
CURRENT ACCOUNTS
12.5 Before paid cheques, the drawers’ signatures whereupon are alleged to be forged, are
handed over to the police, photostat copies should be taken of those for Rs.2000 or over in
order to protect the Bank’s interests in the event of the cheques being lost or the signature
thereon being tampered with. The acknowledgement from the police should be obtained on the
reverse of the photostat copies. Where a cheque for a large amount, say, Rs.20,000 or over, is
involved, an additional photostat copy of the disputed cheque should, whenever possible, be
certified by a Notary Public.
11.2.4.1 Upon, the death of one of the holders of a joint account, the balance of which is
repayable to the survivor(s), the account will, of course, continue but the survivor(s) should be
requested to transfer the balance into a new account in his or their own names, fresh account
opening form, etc., being taken. When the balance is not repayable to the survivor(s) the
instructions as under will apply.
13. Irregular Accounts
When a constituent does not conduct his account properly (e.g., when his cheques have
frequently to be returned for lack of funds) his attention should be drawn to the fact. If there is
then no improvement he should be directed to close his account. If he fails to do so, no
credits should be accepted into the account nor cheque book issued to him. Irregularly
conducted accounts are a source of danger to the Bank and must not be allowed to continue.
4.2.3 The files containing account opening forms and documents relating to the operations on
accounts must remain in the custody of a supervising official and must be placed overnight in
the strong-room or a fire-proof safe, or where neither is available, in a steel cabinet. If the
cheque is for payment in cash, the cheque will be sent to the cash department in a transit
voucher book.
First debit in the Inoperative account should be only through referral / second level of
authorization. The Single Window Operator (SWO) must specially satisfy himself as to the
constituent’s authority for the first debit to such an account which he should refer to an official
of the rank of Asst. Manager/ Divisional Manager/ Authorised Official or above through the
cheque referred and returned register. The official concerned should personally verify that
The cheque or the debit is in order in all respects. In case of cash payments on inoperative
accounts, the presenter of the cheque should invariably be interviewed by the passing official
before it is referred to the higher official (i.e. of the rank of Asst. Manager/ Divisional Manager/
Authorised Official or above) who may also.
8.7 A report as on 31st December will be generated by GITC, giving information of the
accounts in which there are no transactions for over a period of one year, to enable the
Branches to approach such customers.
Rs.25,000 /- the following steps should be taken.
8.9.1 Branches may inform the account holders in writing in the prescribed format to ascertain
the reason for non-operation in the account.
8.9.2 If the letter is returned undelivered, they may immediately be put on enquiry to find out
the whereabouts of customers or their legal heirs in case of deceased account.
14.4 Powers of attorney which must be presented in original for registration in the Bank’s
books will be examined by Authorized official/ Branch Manager/ Divisional Manager or another
officer not below the rank of Dy. Manager (Operations) who will indicate the portions of the
powers to which reference may be required after he has satisfied himself that they are in
order. These portions will be entered in the power of attorney register and initialed by him
14.7 All powers of attorney require to be stamped in accordance with the provisions of the
Stamp Act(s) in force. A power of attorney executed abroad for use in India need not be
stamped in the country in which it is executed but it must be stamped with the duty exigible in
India within three months of its first arrival in India.
16.1.8 Conversion of single accounts into joint accounts
An account in the single name of individual may be converted into a joint account after
obtaining:
16.1.8.1 An application from the existing account holder stating his proposal for converting the
account into a joint account. The name of the new joint account holder should also be
mentioned in the application
16.1.8.2 A balance confirmation on form COS 96 should be signed by the existing depositor
bearing the date when the new name is added in the account
16.1.8.3 An account opening form, completed in all respects and signed by the existing and
new account holders
16.2.2 A minor attains majority at the age of 21 when (a) he is of foreign domicile (b) a
guardian of his property or person has been appointed by Court, or (c) his property is under
the superintendence of a Court of Wards. In other cases minority ceases at the age of 18
“Controlling ownership interest” means ownership of or entitlement to more than twenty five
percent of shares or capital or profits of the company;
18.3.2 A beneficial owner, as per the procedure specified by Govt. of India in this regard,
means any natural person with a controlling interest/ownership of/entitlement to more than 25%
of shares or capital or profits of the juridical person, where the juridical person is a company;
ownership of/ entitlement to more than 15% of the capital or profits of the juridical person
where the juridical person is a partnership/unincorporated association/body of individuals.
18.4 Capturing of Legal Entity Identifier in CBS

Legal Entity Identifier (LEI) is a global reference number that uniquely identifies every legal
entity or structure that is a party to a financial transaction in any jurisdiction. In India, RBI has
authorised Clearing Corporation of India Ltd (CCIL) as a Local Operating Unit (LOU), to assign
LEI to legal entities in India. All legal entities are eligible to apply for this LEI with CCIL.
Individuals are not assigned any LEIs.
The LEI is a 20 character alphanumeric code. CBS to capture the LEIs in all Non- Personal
Customer types.
(This list is updated by FATF thrice in a year)
Further Global Markets Unit, Kolkata, will issue list of high risk countries as well as details of
sanctions against having transactions with countries/ Banks and financial institutions/ currencies
which should be taken into account while processing transactions.
(The above list is updated/ revised periodically
Inoperative account
Systemic Support;
As on 31st December annually, a report will be generated by CDC Belapur and sent to the
respective branches giving information of the accounts in which there are no transactions for
over a period of one year, to enable branches to approach such customers for continuing
operations in the account.
CDC Belapur generates half yearly reports, as on 30th June and 31st December, titled
‘Inoperative_Accounts.txt’ which contains customer wise list of
Inoperative accounts. Specimen of the report made available to branches by CDC Belapur is
given in Annexure “B”
A report titled ‘Intimation forAccountBecomeInoperative-depd0000’ is generated on last day of
every calendar quarter which contains intimation letters addressed to the customers whose
accounts are going to be marked “INOPRTV” on ensuing next quarter by the system requesting
them to resume operations in the account. Specimen of the letter so generated is given in
Annexure “C”.
Unclaimed Deposit Claim Form (Annexure D) duly filled and signed, along with the available
details of the account, recent photographs and valid Identity and address proof documents.
Only KYC compliant accounts will be entertained by the branches.
On receipt of claim from the customer, the Branch will ensure obtaining of KYC documents.
Branch Manager should be satisfied regarding genuineness of the documents / customer etc.
and proceed as under:
If the customer wants to activate and continue the account, the branch should accept the
request of the customer and restore the account by obtaining proper KYC in case of final
claims and closure of account; branch should accept the request of the customer to process
accordingly. The capability level of activation of account in the system is 7 and above. (Action-
Branch)
Non Home txn
1 Passbook Updation: Facility of Savings bank pass -book updation at all non-home branches
without any charge except Personal Banking Branches (PBBs), Specialised Personal Banking
Branches (SPBBs), Corporate Account Group (CAG), Mid Corporate Group (MCG) and NRI
branches throughout the country.
v) The testing of fugitive ink must be carried out for payment of cheques for value Rs.25,000/-
and above as per instructions contained in e-circular No. NBG/S&PSP/ 21/2009-10 dated
19.12.2009.
vi) Tele-calling and getting confirmation from the drawer for suspicious cheques and all non-
home cheques of Rs.2.00 lacs above. Circles may, however, fix a lower threshold limit
depending upon the intensity of frauds and manpower availability for Tele-calling
6.2. Such Branches of Scale IV, III & II categories, which are specially identified and
recommended by the Circle CGM, would be allowed to carry out RTGS transactions by debit
voucher at Home Branch.
6.3. Branches should however continue to accept Cheques drawn on other Branches of our
Bank for above Rs. 10 lacs in all branches and above Rs. 5 lacs in branches manned by
Single Officer and Single clerk, for collection of Cheques through SC/ DD automation module.
(i) There will be a general cap of Rs. 10 lacs in originating debits for non-home transactions
for all branches and the special cap of Rs. 5 lacs will be imposed for branches manned by
Single Officer and Single Clerk.
(i) The restrictions are not applicable to Multi City Cheques (MCC) which will be paid as per
the ceiling prescribed for different segments. However, as System does not validate the ceilings
prescribed for Multi City Cheques, these have to be monitored and controlled administratively
by the branches.
(ii) All intra-city Cheques will be allowed to be paid without upper limit from non- home
branches as hitherto.
(iii) All transactions between same CIF, irrespective of mode of transaction will be allowed.
(iv) All transactions through Rupee Vostro Account/ Dividend Warrant module will be allowed
without ceiling as hitherto.
KYC points
In terms of the provisions of Prevention of Money-Laundering Act, 2002 and the Prevention of
Money-Laundering (Maintenance of Records) Rules, 2005, Regulated Entities (REs) are required
to follow certain customer identification procedure while undertaking a transaction either by
establishing an account based relationship or otherwise and monitor their transactions.
Accordingly, in exercise of the powers conferred by Sections 35 A of the Banking Regulation
Act, 1949 and the Banking Regulation Act (AACS), 1949, read with Section 56 of the Act ibid
and Rule 9(14) of Prevention of Money-Laundering (Maintenance of Records) Rules, 2005
‘small accounts’ referred to in Section 23 of Chapter VI.
“Act” and “Rules” means the Prevention of Money-Laundering Act, 2002 and the Prevention of
Money-Laundering (Maintenance of Records) Rules, 2005
ii. Beneficial Owner (BO)
a. Where the customer is a company, the beneficial owner is the natural person(s), who,
whether acting alone or together, or through one or more juridical person, has/have a
controlling ownership interest or who exercise control through other means
“Controlling ownership interest” means ownership of/entitlement to more than 25 per cent of the
shares or capital or profits of the company.
B Where the customer is a partnership firm, the beneficial owner is the natural person(s),
who, whether acting alone or together, or through one or more juridical person, has/have
ownership of/entitlement to more than 15 per cent of capital or profits of the partnership.
C
Where the customer is an unincorporated association or body of individuals, the beneficial
owner is the natural person(s), who, whether acting alone or together, or through one or more
juridical person, has/have ownership of/entitlement to more than 15 per cent of the property or
capital or profits of the unincorporated association or body of individuals
d. Where the customer is a trust, the identification of beneficial owner(s) shall include
identification of the author of the trust, the trustee, the beneficiaries with 15% or more interest
in the trust and any other natural person exercising ultimate effective control over the trust
through a chain of control or ownership.
“Central KYC Records Registry” (CKYCR) means an entity defined under Rule 2(1)(aa) of the
Rules, to receive, store, safeguard and retrieve the KYC records in digital form of a customer
“Non-profit organisations” (NPO) means any entity or organisation that is registered as a trust
or a society under the Societies Registration Act, 1860 or any similar State legislation or a
company registered under Section 25 of the Companies Act, 1956
“Principal Officer” means an officer nominated by the RE, responsible for furnishing information
as per rule 8 of the Rules
“Common Reporting Standards” (CRS) means reporting standards set for implementation of
multilateral agreement signed to automatically exchange information based on Article 6 of the
Convention on Mutual Administrative Assistance in Tax Matters
“Customer” means a person who is engaged in a financial transaction or activity with a

Regulated Entity (RE) and includes a person on whose behalf the person who is engaged in
the transaction or activity, is acting.
iii. “Walk-in Customer” means a person who does not have an account based relationship with
the RE, but undertakes transactions with the RE.
“Customer Due Diligence (CDD)” means identifying and verifying the customer and the
beneficial owner using ‘Officially Valid Documents’ as a ‘proof of identity’ and a ‘proof of
address’.
v. “Customer identification” means undertaking the process of CDD.
vi. “FATCA” means Foreign Account Tax Compliance Act of the United States of America
(USA) which, inter alia, requires foreign financial institutions to report about financial accounts
held by U.S. taxpayers or foreign entities in which U.S. taxpayers hold a substantial ownership
interest.
vii. “IGA” means Inter Governmental Agreement between the Governments of India and the
USA to improve international tax compliance and to implement FATCA of the USA.
“KYC Templates” means templates prepared to facilitate collating and reporting the KYC data to
the CKYCR, for individuals and legal entities.
ix. “Non-face-to-face customers” means customers who open accounts without visiting the
branch/offices of the REs or meeting the officials of REs.
x. “On-going Due Diligence” means regular monitoring of transactions in accounts to ensure
that they are consistent with the customers’ profile and source of funds
“Politically Exposed Persons” (PEPs) are individuals who are or have been entrusted with
prominent public functions in a foreign country, e.g., Heads of States/Governments, senior
politicians, senior government/judicial/military officers, senior executives of state-owned
corporations, important political party officials, etc.
“Shell bank” means a bank which is incorporated in a country where it has no physical
presence and is unaffiliated to any regulated financial group
“Wire transfer” means a transaction carried out, directly or through a chain of transfers, on
behalf of an originator person (both natural and legal) through a bank by electronic means with
a view to making an amount of money available to a beneficiary person at a bank
“Domestic and cross-border wire transfer”: When the originator bank and the beneficiary bank is
the same person or different person located in the same country, such a transaction is a
domestic wire transfer, and if the ‘originator bank’ or ‘beneficiary bank’ is located in different
countries such a transaction is cross-border wire transfer
Know Your Customer (KYC) policy duly approved by the Board of Directors of REs
The KYC policy shall include following four key elements:
(a) Customer Acceptance Policy;
(b) Risk Management;
(c) Customer Identification Procedures (CIP); and
(d) Monitoring of Transactions
Designated Director
(a) A “Designated Director” shall be nominated by the Board.
(b) The name, designation and address of the Designated Director shall be communicated to
the FIU-IND.
(c) In no case, the Principal Officer shall be nominated as the 'Designated Director'.
7. Principal Officer:
(a) The Principal Officer shall be responsible for ensuring compliance, monitoring transactions,
and sharing and reporting information as required under the law/regulations.
Concurrent/internal audit system to verify the compliance with KYC/AML policies and procedures
Submission of quarterly audit notes and compliance to the Audit Committee
Risk categorisation shall be undertaken based on parameters such as customer’s identity,

social/financial status, nature of business activity, and information about the clients’ business
and their location etc.
The customers shall not be required to furnish separate proof of address for permanent and
current addresses, if these are different. In case the proof of address furnished by the
customer is the address where the customer is currently residing, a declaration shall be taken
from the customer about her/his local address on which all correspondence will be made by
the RE.
In case it is observed that the address mentioned as per ‘proof of address’ has undergone a
change, REs shall ensure that fresh proof of address is obtained within a period of six months.
one certified copy of an OVD as mentioned at Section 3(a)(vi) of Chapter I, containing details
of identity and address
In case the person who proposes to open an account does not have an OVD as ‘proof of
address’, such person shall provide OVD of the relative as provided at sub-section 77 of
Section 2 of the Companies Act, 2013, read with Rule 4 of Companies (Specification of
definitions details) Rules, 2014, with whom the person is staying, as the ‘proof of address’.
Explanation: During the periodic review, if the ‘low risk’ category customer for whom simplified
procedure is applied, is re-categorised as ‘moderate or ‘’high’ risk category, then REs shall
obtain one of the six OVDs listed at Section 3(a)( vi) of these Directions for proof of identity
and proof of address immediately. In the event such a customer fails to submit such an OVD,
REs shall initiate action as envisaged in Section 39 of these Directions
In case an individual customer who does not possess either any of the OVDs or the
documents applicable in respect of simplified procedure (as detailed at Section 22 above) and
desires to open a bank account, banks shall open a ‘Small Account’, subject to the following
Simplified procedure for opening accounts by Non-Banking Finance Companies (NBFCs): In

case a person who desires to open an account is not able to produce documents mentioned in
3(a)(vi) of Chapter I, NBFCs may at their discretion open accounts subject to the following
conditions:
(a) Introduction from another account holder who has been subjected to full KYC procedure
shall be obtained.
(b) The introducer’s account with the NBFC shall be at least six month old and shows
satisfactory transactions.
# For opening an account of a company, one certified copy of each of the following documents
shall be obtained:
(a) Certificate of incorporation.
(b) Memorandum and Articles of Association.
(c) A resolution from the Board of Directors and power of attorney granted to its managers,
officers or employees to transact on its behalf.
(d) Officially valid documents in respect of managers, officers or employees holding an attorney
to transact on its behalf
For opening an account of a partnership firm, one certified copy of each of the following
documents shall be obtained:
(a) Registration certificate.
(b) Partnership deed.
For opening an account of a trust, one certified copy of each of the following documents shall
be obtained:
(a) Registration certificate.
(b) Trust deed.
(c) Officially valid documents in respect of the person holding a power of attorney to transact
on its behalf
For opening an account of an unincorporated association or a body of individuals, one certified
copy of each of the following documents shall be obtained:
(a) resolution of the managing body of such association or body of individuals;
Explanation: Unregistered trusts/partnership firms shall be included under the term

‘unincorporated association’.
For opening an account of a Legal Person who is not a natural person, the beneficial owner(s)
shall be identified and all reasonable steps in terms of Rule 9(3) of the Rules to verify his/her
identity shall be undertaken keeping in view the following:
The extent of monitoring shall be aligned with the risk category of the customer.
Explanation: High risk accounts have to be subjected to more intensified monitoring.
(a) A system of periodic review of risk categorisation of accounts, with such periodicity being at
least once in six months, and the need for applying enhanced due diligence measures shall be
put in place.
(a) Fresh proofs of identity and address shall not be sought at the time of periodic updation,
from customers who are categorised as ‘low risk’, when there is no change in status with
respect to their identities and addresses and a self-certification to that effect is obtained.
(b) A certified copy of the proof of address forwarded by ‘low risk’ customers through mail/post,
etc., in case of change of address shall be acceptable.
(c) Physical presence of low risk customer at the time of periodic updation shall not be insisted
upon.
(d) The time limits prescribed above would apply from the date of opening of the account/ last
verification of KYC
43. Simplified norms for Self Help Groups (SHGs)
(a) KYC verification of all the members of SHG shall not be required while opening the savings
bank account of the SHG
(b) KYC verification of all the office bearers shall suffice.
(c) No separate KYC verification of the members or office bearers shall be necessary at the
time of credit linking of SHGs
(a) Banks shall, at their option, open a Non Resident Ordinary (NRO) bank account of a
foreign student on the basis of his/her passport (with visa &
23
immigration endorsement) bearing the proof of identity and address in the home country
together with a photograph and a letter offering admission from the educational institution in
India
i. Provided that a declaration about the local address shall be obtained within a period of 30
days of opening the account and the said local address is verified.
ii. Provided further that pending the verification of address, the account shall be operated with
a condition of allowing foreign remittances not exceeding USD 1,000 or equivalent into the
account and a cap of rupees fifty thousand on aggregate in the same, during the 30-day
period.
45. Simplified KYC norms for Foreign Portfolio Investors (FPIs)

Accounts of FPIs which are eligible/ registered as per SEBI guidelines, for the purpose of
investment under Portfolio Investment Scheme (PIS), shall be opened by accepting KYC
documents as detailed in Annex II, subject to Income Tax (FATCA/CRS) Rules.
(a) maintain all necessary records of transactions between the RE and the customer, both
domestic and international, for at least five years from the date of transaction;
(b) preserve the records pertaining to the identification of the customers and their addresses
obtained while opening the account and during the course of business relationship, for at least
five years after the business relationship is ended;
introduce a system of maintaining proper record of transactions prescribed under Rule 3 of

Prevention of Money Laundering (Maintenance of Records) Rules, 2005 (PML Rules, 2005);
REs shall ensure that in terms of Section 51A of the Unlawful Activities (Prevention) (UAPA)
Act, 1967, they do not have any account in the name of individuals/entities appearing in the
lists of individuals and entities, suspected of having terrorist links, which are approved by and
periodically circulated by the United Nations Security Council (UNSC).
FATCA and CRS, REs shall determine whether they are a Reporting Financial Institution as
defined in Income Tax Rule 114F
67. Quoting of PAN - Income Tax Rule 114B applicable to banks
 recommendations made by the Financial Action Task Force (FATF) on AML

standards and CFT
Customer Due Diligence (CDD) for banks as stipulated by the Basel Committee on Banking
Supervision
Section 3 of the Prevention of Money Laundering Act, 2002 (PMLA) has defined the “offence of
money laundering” as under
Section 12 of PMLA places the following obligations on the Bank :-
(i) maintaining a record of prescribed transactions

(ii) furnishing information of prescribed transactions to the specified authority
(iii) verifying and maintaining records of the identity of its clients (in other words
complying with the KYC requirements) and identifying the beneficial owners, if
any, of such clients
(iv) preserving records in respect of (i) and (ii) above for a period of five years
from the date of transactions, and in respect of (iii) above for a period of five
years after the cessation of relationship with the clients in respect of account
opening forms and KYC documents.
(v) The Bank has implemented use of UIDAI’s e-KYC service by executing an
KYC User Agency (KUA) agreement with the UIDAI.
Details of registration of companies should be verified through company master data from
Ministry of Corporate Affairs, Govt. of India website www.mca.gov.in (MCA – 21)
Non face to face customers are those with whom the Branch has not had direct interaction at
the time of opening the account e.g. NRI customers who opened the account without visiting
the branch. Branches should insist on certification of documents for photo ID and proof of
residence by either of the following:
(i) Banker (our branches/ offices)

(ii) Notary Public
(iii) Indian Embassy
Persons of Indian Origin and Overseas Citizen of India PIOs/OCIs
Persons of Indian Origin (PIO) and Overseas Citizen of India (OCI) who are desirous of
opening NRO/NRE/FCNB (B) accounts are required to submit ANY ONE of following documents
in addition to the copy of passport, while opening such accounts.
a) Copy of PIO/OCI Card issued by Govt. of India.
b) Copy of relevant pages of passport of parents or grand parents, establishing them as
NRI/Indian origin
c) Copy of marriage certificate establishing the spouse as NRI/Indian origin.
Simplified norms may be applied, as permitted by RBI, for those FPIs who have been duly
registered in accordance with SEBI guidelines and have undergone the required KYC due
diligence/verification prescribed by SEBI through a Custodian/Intermediary regulated by SEBI.
Fine for violation of KYC Norms : RBI has powers to impose fine under Section 47 A (1 ) (b)
of the Banking Regulation Act, 1949 for violation of KYC norms and for violation of extant
guidelines of relating to IPO financing
Combating Financing of Terrorism
The United Nations periodically circulates the following two lists of individuals and entities,
suspected of having terrorist links, and as approved by its Security Council (UNSC).
(a) The “Al-Qaida Sanctions List”, includes names of individuals and entities associated with
the Al-Qaida. The Updated Al-Qaida Sanctions List is available at
http://www.un.org/sc/committees/1267/aq sanctions list.shtml.
(b) The “1988 Sanctions List”, consisting of individuals (Section A of the consolidated list) and
entities (Section B) associated with the Taliban which is available at
http://www.un.org/sc/committees/ 1988/list.shtml.
The United Nations Security Council Resolutions (UNSCRs), received from Government of India,
are circulated by the Reserve Bank to all banks and FIs. Banks/FIs are required to update the
lists and take them into account for implementation of Section 51A of the Unlawful Activities
(Prevention) (UAPA) Act, 1967, discussed below. Banks/FIs should ensure that they do not
have any account in the name of individuals/entities appearing in the above lists. Details of
accounts resembling any of the individuals/entities in the list should be reported to FIUIND.
e-KYC service is accepted as a valid process for KYC verification under Prevention of Money
Laundering (Maintenance of Records) Rules, 2005. Information containing demographic details
and photographs made available from UIDAI as a result of e-KYC process ("which is in an
electronic form and accessible ") may be treated as an 'Officially Valid Document' under PML
Rules
OPERATIONALISATION OF CENTRAL KYC REGISTRY (CKYCR) AND KYC NORMS FOR
FOREIGN PORTFOLIO INVESTORS (FPIS)
RBI has made (July 8, 2016) the following amendments in KYC directions:
1. Customer Due Diligence Procedure and sharing KYC information with Central KYC Records
Registry (CKYCR): Regulated Entities shall capture the KYC information for sharing with the
CKYCR, as required by the revised KYC templates prepared for ‘individuals’ and ‘Legal Entities’
as the case may be. Government of India has authorised the Central Registry of Securitisation
Asset Reconstruction and Security Interest of India (CERSAI), to act as, and to perform the
functions of the CKYCR vide notification dated November 26, 2015. The ‘live run’ of the
CKYCR would start with effect from July 15, 2016 in phased manner beginning with new
‘individual accounts’. Accordingly, REs shall take the following steps:
1. In the first phase, Scheduled Commercial Banks (SCBs) may upload the KYC data with
CERSAI, in respect of new individual accounts opened on or after July 15, 2016.
2. REs other than SCBs may also participate in the live run of CKYCR from July 15, 2016.
3. Those REs which are not yet ready to join CKYCR process immediately, shall take
steps to prepare their systems for uploading the KYC data in respect of new
individual accounts so that the same is complete as soon as possible in a time
bound manner.
Deceased settlement
With a view to removing the hardships faced by Common Person, the the Committee on
Performance Audit on Public Services (CPPAPS) constituted by the Reserve Bank had
suggested that the Reserve Bank of India may issue comprehensive guidelines in the matter
and IBA may be asked to draft and circulate a comprehensive model operational procedure,
which could be used by banks for settlement of claims of deceased depositors.
Natural Death: A death on any reason Natural death by age old ailments, Accidental death,
and Suicidal death or there is no physical existence of a depositor is a Natural Death in terms
of Settlement of claims of a deceased depositor by the bank.
2. Legal death: It means that the whereabouts of person is unknown for a person more than 7
years a legal death may be issued by court. In order to appreciate the facts it is necessary to
analyze and understand section 108 of Indian Evidence Act, 1872, which reads as under:
Burden of proving that the person is alive who has not been heard for seven years.
In case the customer has given a mandate for crediting the interest on Fixed Deposit or
dividend on shares to the bank account, it should be treated as a customer induced transaction
The files containing account opening forms and documents relating to the operations on
accounts must remain in the custody of a supervising official and must be placed overnight in
the strong-room or a fire-proof safe, or where neither is available, in a steel cabinet
A report as on 31st December will be generated by GITC, giving information of the accounts in
which there are no transactions for over a period of one year, to enable the Branches to
approach such customers
Rs.25,000 /- the following steps should be taken.
8.9.1 Branches may inform the account holders in writing in the prescribed format to ascertain
the reason for non-operation in the account.
8.9.2 If the letter is returned undelivered, they may immediately be put on enquiry to find out
the whereabouts of customers or their legal heirs in case of deceased account.
8.9.3 In case, the whereabouts of the customers are not traceable, the employer or any other
person whose details are available with the Bank may be considered
A list of unclaimed/inoperative accounts is displayed on the Bank’s website under Customer

Care > List of Unclaimed/Inoperative Accounts. The list has names and addresses. If a
customer visits branch with supporting documents for claim / reactivation of accounts, branches
will first verify the KYC documents and after proper verification of the branch records and
carrying out due diligence process, will process the payment/reactivation as per the delegation
power for payment of unclaimed deposits
The nomination facility is available for Current Accounts of individuals and proprietary concerns
Upon, the death of one of the holders of a joint account, the balance of which is repayable to
the survivor(s), the account will, of course, continue but the survivor(s) should be requested to
transfer the balance into a new account in his or their own names, fresh account opening form,
etc., being taken. When the balance is not repayable to the survivor(s) the instructions as
under will apply
A court prohibitory or attachment order which refers generally to debts due from the Bank to a
constituent prohibits the Bank from paying away any sum at the credit of the constituent. If
however, the order specifies the amount which is attached, the Bank is not precluded from
paying any balance in excess of that figure.
In such cases the constituent should be allowed to operate in respect of the amount in excess
of that required to satisfy the order. In all cases, the order must be
recorded in CBS and authorised by the appropriate authority and the constituent advised of its
receipt enclosing a copy of the order. It should be stated in the letter that unless he takes
steps to have the order vacated within a week, the Bank would have to comply therewith and
that meanwhile no operations (or restricted operations i.e. to the extent of the credit balance in
excess of the amount attached – if such is the case) will be permitted on the account. This
letter should be sent by registered acknowledgement by post. If no steps are taken to vacate
the attachment, on the expiry of the period the amount as required in terms of the order
should be deposited with the Court. Where the order specifies the amount which is attached
and the amount due from the Bank to the constituent is less than the amount attached or
where there is no amount due from the Bank to the constituent or where amounts are due
from the constituent to the Bank, the Court issuing the attachment or prohibitory order should
be addressed by a written communication explaining the exact position of the account.
Probates, letters of administration, succession certificates, court orders appointing receivers,
death certificates, etc., received by the Bank for registration, must be carefully examined by the
Authorised official/ Branch Manager/ Divisional Manager and entered under his initials in a
sundry documents register in the language in which they are executed
Before paid cheques, the drawers’ signatures whereupon are alleged to be forged, are handed
over to the police, photostat copies should be taken of those for Rs.2000 or over in order to
protect the Bank’s interests in the event of the cheques being lost or the signature thereon
being tampered with. The acknowledgement from the police should be obtained on the reverse
of the photostat copies. Where a cheque for a large amount, say, Rs.20,000 or over, is
involved, an additional photostat copy of the disputed cheque should, whenever possible, be
certified by a Notary Public.
A minor attains majority at the age of 21 when (a) he is of foreign domicile (b) a guardian of
his property or person has been appointed by Court, or (c) his property is under the
superintendence of a Court of Wards. In other cases minority ceases at the age of 18.
Inoperative
(viii) In case of inoperative NRI accounts, the branch can accept and act on customer’s
mandate for Rs 1/- debit and credit in the account of the customer itself, along with the Re-
KYC letter and identification documents. Please refer e circular NBG/PBBU/NRI-GEN/5/2016-17
dated 09th May 2016.
However, the old instructions of issuing receipts for fixed deposit viz. Term Deposit/Special
Term Deposits received under State Bank Tax Savings Scheme 2006 will continue.
d. Each piece of advice shall be 23cm X 15.2 cm in size, printed on 120 gsm Map litho paper
in the form of continuous stationery. The 23 cm length of each piece shall be inclusive of 1.5
cm of perforation border and 1 cm plain border on each side. The lengthwise printed area
including the blue border line shall not exceed
IMPORTANT STATISTICS
1 No of branches as on 31.03.2017 24017 (after merging)

2 No of employees 209572
3 Branches opened during FY 2016-17 386
4 ATM installed during FY 2016-17 1305
5 Total ATM 59263 (Market share 28.44 %)
6 Mobile Banking market share 24.67 %
7 Home loan market share 25.88 %
8 Return on assets 0.41 %
9 Return on equity 7.25 %
10 Profit per employee 5.11 lakh
11 Earning per share 13.43 %
12 Dividend per share 2.6 %
13 NET NPA 3.71 %
14 Gross NPA 6.90%
15 CAR as per BASEL II 13.56 %
16 CAR as per BASEL III 13.11 %
17 Expense to income ratio 47.75 %
18 CEEP branches 4525
19 SBI intouch branches 250
20 CASA ratio 45.58 %
21 NET PROFIT 10484 CR
22 MARKET SHARE IN DEPOSITS 18.05 % (23.01 % POST MERGER)
Important Days to Remember
14th Sep Rajbhasha Diwas

24th Dec National Consumer Day
9th Dec International Anti Corruption Day
1st Aug KYC Complaince Day
1st Sep Risk Awareness Day
2nd Nov AML-CFT Day
30th Nov Computer Security Day
1st Jul State Bank Day
21st Jun International Yoga Day
15th March World Consumer Rights Day
IMPORTANT NOTES
ECR - 10 crore &above
Legal audit -5 crore
Credit audit - 10 crore &above
Stock audit - 5 crore &above
Loan review mechanism - 5 crore &above
CRA (simplified model)- 50lac &above
CRA (regular model) - 5 crore & above
Ews early warning system -1 crore n above
ESR – 50 lac to 5 crore
NBG - up-to 50 cr
MCG- above 50 crore & up-to 500 crore
CAG - above 500 crore
All new loan product reviewed - after 6 month of their approval
All existing all loan product reviewed - annually
Waiver of collateral security in agri - 1 lac
Having good repayment record of last 3 years - up-to 2 lac
Under the tie-up arrangement - up-to 3 lac
For all Loan account above 5 crore , banks are required to report particular of account & account
classification including SMA to rbi through the reporting system - CRILC
Audited balance sheet should not be older than 12 month
Enhancement in credit facility should not exceed 30% of the initial amount taken over from other
bank , within 12 month from the date of intial sanction of take over
Min amount eligible for takeover in sme -25 lac.
In agriculture (takeover norms)
Acc - 1 lac
ATL for allied activities -10 lac
ATL for other than allied activities - 2 lac
Max amount eligible for takeover -2 crore
2 crore to 5 crore - zcc approval
Above 5 crore - ccc ii

ATL with a min 2 year repayment are eligible for takeover
In case of single borrower exposure ceiling -15 % of bank capital fund plus additional 5% in case of
infrastructure projects
Group borrower -40 % additional 10 % for infrastructure lending
Individual borrower - Max aggregate exposure 50.crore, in respect of ship breaking and diamond
industry shall be 200 crores
Maturity of term loan - 10.years
Willful defaulter -25 lac & above
List of all important Regulators in India
1. Money Market – RBI (Reserve bank of India)
(Governor – URJIT PATEL & Headquarter – Mumbai)
2. Capital Market – SEBIn(Security Exchange Board of India)
(Chairmen – AJAY TYAGI & Headquarter – Mumbai)
3. Insurance companies –IRDAI (Insurance regulatory Development authority of India)
(Chairmen – TS Vijayan& Headquarter – Hyderabad)
4. Commodity Market – FMC (Forward Market Commission)
(It is now being merged in SEBI) (Chairmen – Ramesh Abhishek & Headquarter – Mumbai)
5. Chit Funds – Respective State Governments
6. Merchant Banking companies – SEBI
7. Foreign Exchange or Forex Market – RBI

8. Housing Finance Companies – NHB (National Housing Bank)
(Chairmen Shri Ram Kalyanraman and Headquarter – New Delhi)
9. Venture Capital Fund – SEBI
10. Stock broking companies – SEBI
11. Nidhi Companies – Ministry of corporate affairs, Government of India
12. Cooperative banks and RRBs Regional Rural Banks (RRBs) – NABARD (National Bank for
agriculture and Rural Development)
(Chairmen – Dr, Harsh Kumar Bhanwala and Headquarter – Mumbai)
13. Micro-Finance Regulatory Authority – NABARD
14. Algorithmic Trading – SEBI
15. Pension fund – PFRDA (Pension fund regulatory and Development authority)
(Chairmen – Hemant Contractor and Headquarter – New Delhi)
16. Credit Rating agencies – SEBI
17. Public health & Food Safety – FSSAI (Foods safety and Standards Authority of India)
(Chairperson – Ashish Bahuguna and Headquarter – New Delhi)
18. Telecommunication Business – TRAI (Telecom Regulatory Authority of India)

(Chairmen – Ram sewak Sharma and Headquarter – New Delhi )
19. Pharmaceuticals drugs in India – NPPA (National Pharmaceutical Pricing Authority)
20. Civil Aviation – DGCA (Directorate general of civil aviation)
21. Warehouses – WDRA (Warehousing Development and Regulatory Authority)
22. Financial Audit and Accounting Professions – ICAI (Institute of charted accounts in India)
LATEST IMPORTANT ABBREVIATIONS
=======================
• KCC – Kisan Credit Card
• KVIC – Khadi and Village Industries Corporation
• KYC – Know your customer
• LAMPS – Large Sized Adivasi Multipurpose societies
• LERMS – Liberalised Exchange Rate Management System
• LIC – Life Insurance Corporation of India
• MCA – Ministry of Company affairs
• MIS – Management Information System
• MICR – Magnetic Ink Character Recognition
• NABARD – National Bank for Agriculture and Rural Development
• NBFC – Non Banking Finance Companies
• NEFT – National Electronic Funds Transfer
• NPA – Non Performing assets
• NRE – Non Resident External account
• NRI – Non Resident Indian
• NSE – National Stock Exchange
• OLTAS – Online tax accounting system
• OMO – Open market operations

• PACS – Primary Agricultural Credit Societies
• PDO – Public Debt Office
• PIN – Personal Identification Number
• QIB – Qualified Institutional Buyers
• RBI – Reserve Bank of India
• RDBMS – Relational Database Management System
• REC – Rural ElectrificationCorporation
• RFC – Resident Foreign Currency
• RIDF – Rural Infrastructure Development Fund
• RRB – Regional Rural Bank
• RTGS – Real Time Gross Settlement
• RWA – Risk Weighted Assets
• SBI – State Bank of India
• SCB – Scheduled Commercial Bank
• SDR – Special Drawing Rights
• SEBI – Securities and Exchange Board of India
• SFMS - Structured Financial Messaging Services
• SHG – Self Help Group
• SIDBI – Small Industries Development Bank of India
• SIDC – State Industrial Development Corporation
• SJSRY –SwarnaJayanthiShahariRozgarYojana
• SLR – Statutory Liquidity Ratio
• SLRS – Scheme for Liberation and Rehabilitation of Scavangers
• SMERA – SME rating agency of India Limited
• SSI – Small Scale Industries
• SME – Small and Medium Industries
• SSSBE – Small Scale Service and Business Enterprises
• UTI – Unit Trust of India
• WPI – Wholesale Price Index
• YTM – Yield to maturity
• LAB – Local Area Banks

• ALM – Asset Liability Management
• ANBC – Adjusted Net Bank Credit
• ASBA – Applications supported Bank accounts
• BOE – Bill of Exchange
• CASA – Current and savings accounts
• CBLO – Collateralised Bank Lending Obligations
• CIBIL – Credit Information Bureau of India Limited
• DPG – Deferred Payment Guarantee
• DPN – Demand Promissory Note
• DRAT – Debt Recovery Appellate tribunal
• DRI – Differential Rate of Interest
• DSCR – Debt Service Coverage Ratio
• EDI – Electronic Data Interchange
• EMI – Equated Monthly Instalments
• EPS – Earnings Per Share
• ESOP – Employee Stock Options
• FEDAI – Foreign Exchange Dealers Association of India
• FFMC – Full Fledged Money Changers
• FOB – Free on Board
• LIBOR – London Inter Bank Operations Rate
=================================
1. NABARD – National Bank for Agricultural & Rural Development
2. RTGS – Real Time Gross Settlement
3. NEFT – National Electronic Fund Transfer
4. NAV – Net Asset Value
5. NPA – Non Performing Asset
6. ASBA – Account Supported by Blocked Amount
7. BIFR – Board for Industrial and Financial Reconstruction
8. CAMELS – Capital Adequacy, Asset Quality, Management Earnings, Liquidity, Systems & Controls
9. BCSBI – Banking Codes & Standard Board of India
10. BIS – Bank for International Settlement

11. BCBS – Basel Committee on Banking Supervision
12. BOP – Balance of Payment
13. BOT – Balance of Trade
14. BPLR – Benchmark Prime Lending Rate
15. CCIL – Clearing Corporation of India Ltd.
16. CIBIL – Credit Information Bureau of India Ltd.
17. CRISIL – Credit Rating Information Services of India Ltd.
18. CBLO – Collateralised Borrowing & Lending Obligation
19. CPI – Consumer Price Index
20. ADR – American Depository Receipts
21. GDR – Global Depository Receipts
22. ALM – Asset Liability Management
23. ARC – Asset Reconstruction Companies
24. FINO – Financial Inclusion Network Operation
25. CTT – Commodities Transaction Tax
26. CRM – Customer Relationship Management
27. KYC – Know Your Customer
28. SLR – Statutory Liquidity Ratio
29. CRR – Cash Reserve Ratio
30. MSF – Marginal Standing Facility
31. REPO – Repurchase Option
32. NBFC – Non Banking Finance Companies
33. OSMOS – Off-Site Monitoring & Surveillance
34. IFSC – Indian Financial System Code
35. BSE – Bombay Stock Exchange
36. NSE – National Stock Exchange
37. SWIFT – Society for Worldwide Interbank Financial Tele communication
38. FSLRC – Financial Sector Legislative Reforms Commission
39. LAF – Liquidity Adjustment Facility
40. DRT – Debt Recovery Tribunal
List of Banking and Financial Committees

1. DR Gadgil Committee 1944- Agricultural Finance
2. Mahalanobis Committee 1964- National Income
3 .DR Gadgil Committee 1968 - Social approach on banking review of institutional condition
4 .FKF Nariman Committee 1969- Branch expansion programme
5 .Hathi Committee 1970- Soiled Bank Notes
6 .Chatalier Committee 1970 -Finance to small scale industry
7 .Khusro Committee 1970 -Small village and cottage industry
8 .Dandekar Committee 1970 -Regional imbalances
9 .Varshney Committee 1975 Revised method for loans of Rs.2 lac or more
10. N Narsimhan Committee 1975- Establishment of RRBs
11 .CE Kamathv Committee 1976- Multi-institutional approach in Agr finance
12 .Dr RK Hajari Committee 1976- Coodn between coop credit institutions
13 .NL Dantwala Committee 1978- Viability of RRBs
14 .James Raj Committee 1978 -Systems and procedures of working in PSBs
15 .Baldev Singh Committee 1978 -Simplification of loan procedures and documentation relating to
agricultural and allied activities
16 .K Madhav Das Committee 1978- Urban Coop Banks
17 .G Luxminarayan Committee 1978 -Consortium Finance – Public/private sector
18 .R K Talwar Committee 1979 -Customer service
19 .K S Krishaswami Committee 1980 -Role of banks in priority sector advances and 20 point
programmes
20 .Shivaraman Committee -1981 To immplement the National Bank for Agriculture and Rural
Development and NABARD was established
21 .Puri Committee 1982 -Uniformity of loan application
22 .S Chakravarty Committee 1982 -Review of monetary system in banking industry
23 .A Ghosh Committee 1982 -Priority sector and 20 point programme
24 .UK Sharma Committee 1982 -Review of lead bank scheme
25 .Tiwari Committee 1983 -Indl sickness and rehabilitation of sick units
26 .Pandharkar Committee 1983 -Periodical inspection by RBI
27 .Chakravarty Committee 1985- Review the working of the monetary system.
28. Marathe Committee 1985- Credit Authorisation scheme – fast track
29. Khusro Committee 1986 -Agricultural Credit

30. Vaghul Committee 1986 -Money market
31. G S Patel Committee 1986- Organisation & management of stock exchange
32 .SM Kelkar Committee 1986- RRB and its relative Acts
33. Abid Hussain Committee 1987- Profit making public units should offer a part of their share
capital to the public as part of long term strategy to establish the stock exchange.
34 .Vagul committee 1987 -Money Market.
35 .Abid Hussain Committee 1987 -Development of capital market
36 .PD Ojha Committee 1988 Service Area Approach
37 .SC Kalyansundaram Committee 1989 Introduction of factoring services
38. Goiporia Committee 1990 -Customer Service in banks.
39. A Ghosh Committee 1991- Bank frauds & malpractices.
40. Narasimham Committee – I 1991- Examine all aspects relating to the structure, organization &
functioning of the financial system.
41 .M N Goiporia Committee 1991 -Customer service improvement
42 .SA Dave Committee 1991- Functioning of Mutual funds
43 .A C Shah Committee 1992 -On deposit insurance for non-banking finance companies (NBFCs). It
has recommended that General Insurance Corporation (GIC) and Deposit Insurance and Credit
Guarantee Corporation (DICGC) provide the risk cover.
44 .C Rao Committee 1992 -Agriculture policy
45 .AC Shah Committee 1992 -NBFCs
46. Nadkarni SS Committee 1992 -Trading in public sector bonds
47 .Raja Chelliah Committee 1992- Tax reforms
48. Ghosh Committee 1992 -Frauds &malapractices in banks
49. J.V. Shetty Committee 1993 -Review the system of lending under consortium arrangements & to
suggest improvements therein.
50. Sundaram Committee 1993- Structure of export credit.
51. Goswami Committee 1993- Industrial sickness & corporate restructuring.
52 .Janakiraman Committee 1993 -Securities transactions of banks & financial institutions.
53 .J V Shetty Committee 1993- Consortium lending by banks
54 .PR Nayak Committee 1993- Institutional credit to SS SSIs
55. Goswami Committee 1993 -Indl sickness and exit policy
56. Jilani R Committee 1993- Credit delivery system
57. D R Mehta Committee 1993- Review of progress of IRDP

58 .Khanna Committee 1994 -Monitoring the work of NBFCS. Non-Banking Financial Corporations
59. W.S. Saraf Committee 1994 -Technology Issues relating to Payments System, Cheque Clearing
and Securities Settlement in the Banking Industry
60 .Malhotra Committee 1994 -Insurance Sector reforms and establishment of IRDA
61 .Sodhani Committee 1995 -NRI investments in India
62 .Padmanabhan Committee 1995- Banking supervision
63 .Shere K S Committee 1995- Electronic funds transfer- legal issues
64 .BD Shah Committee 1996 -Stock lending Scheme and short-selling
65 .A.V. Gupta Committee 1997- Agricultural loans
66 .S.S Tarapore Committee 1997- This committee was set up by the Reserve Bank of India under the
Chairmanship of former RBI deputy governor S.S Tarapore to “lay the roadmap” to capital account
convertibility.
67. B D Shah Committee 1997- Stock lending scheme
68 .Tarapore Committee 1997 -Capital account convertibility
69 .Narasimham Committee II 1998- Banking Sector Reforms: The reforms consisted of
i. A shift of banking sector supervision from intrusive micro-level intervention over credit decisions
toward prudential regulations and supervision.
ii. A reduction of the CRR and SLR.
iii. Interest rate and entry deregulation; and
iv. application of prudential norms.
70. Dave Committee 1998 -Mutual Funds
71. M Narsimham Committee 1998- Financial Sector reforms
72. S L Kapoor Committee 1998- Institutional credit to SSIs
73 .R H Khan Committee 1998- Harmonisation of role of FIs & Banks
74 .Y V Reddy Committee 1998- Financial aggregates system
75 .L C Gupta Committee 1998- Financial derivatives
76 .Verma Committee 1999- Revival of weak public sector banks.
77 .B Eradi Committee 1999- Insolvency and bankruptcy law
78 .SN Verma Committee 1999- Restructuring of Commercial Banks
79 . M S Verma Committee 1999- Measures for Weak Banks
80 .YV Reddy Committee 2001- Income Tax Review
81 .Kelkar Committee 2002- Indirect tax reforms

82 .J.J. Irani Committee 2005- Company Law reforms and investor protection
83 .Rangarajan Committee 2008 -Financial Inclusion
84. VijalKelkar Committee 2012 -Fiscal Reforms and fiscal consolidation
85 .Jilani Committee --Loan Systems/Relating to Internal Control and Inspection/Audit System in

Banks
86. UshaThorat Committee --Financial Inclusion
87 .M Damodaran Committee-- Banking Customer Service
88 .J Reddy Committee-- Reforms in Insurance Sector
89 .R J Kamath Committee--Education Loan Scheme
90 .Karve Committee-- Small Scale Industry/Sectors
91 .Khanna Committee-- Non-Performing Assets
92 .Rajamannar Committee--Changes in Banking Laws regarding cheque bounce
93 .K R Chandratre Committee Delisting of Shares
94 .C.B. Bhave Committee --Disclosure Standards
95 .L. C. Gupta Committee-- Regulation of derivatives trading
96 .R. Chandrasekaran Committee-- Recommend speedy transfers of
NO OF DIGITS
Vendor I'd -11 digit
Reference no -20 digit
Ioi no - 12 digit
Bill no - 18 digit
Pan no -10 digit, First 5 alphabet, 4 Number& last one alphabet
Tan no (tax deduction in collections no) - 10 digit first 4 alphabet , 5 numeric last one alphabet
Tin no - tax payer identification no issued by commercial tax department -11 digit, First 2 digit
represent state code
Din no (director identification no) issued to director of a company
Account no -11 digit
Collateral no -11 digit
Bar code no -11 digit

Sdv no -11 digit
San (short account number ) - 6 digit
Bin (bank identification no) - first 6 digit of card
Micr. Code -9 digit ,First 3 name of the city next 3 bank code n last 3 represent name of branch of a
bank
Bsr code -7 digit
Ppk no -10 digit, First 5 packet no, 6n 7 circle code, 8n9 serial no last check digit
Card no (16 digit)first 6 bin no next 9 serial no last check digif
Card no (19 digit) First 6 bin no, next five branch code 12 digit (0 domestic , 7 kisan, 8 international)
next six serial no last check digit
Cin (challan identification number ) - cin consist bsr code, date (ddmmyy)n serial no of challan(5
digit)
TCRN NO-10
TARN NO-10
UTR NO-22(RTGS)
UTR NO-16(NEFT)
IFSC CODE-11DIGITS
SWIFT-11
UIN- 26
PACKET NO IN PPK-5
JOURNAL NO-9
*Registrations*
_Partnership Firms_
*Registrar Of Firms*
_Limited Liability Partnership_
*Registrar Of Companies*
_Club,School,Association,Socities_
*Registrar Of Societies*
_Power Of Attorney_
*Registrar Of Documents*
_Private Trust_
*Registrar Of Assurance*
_Public Trust/Charitable Trust_
*Commissioner Of Charities*
_Public/Private Companies_
*Registrar Of Companies*
_Cooperative Socities_
*Registrar Of Cooperative Socities*
CBS screen numbers.
1. Green card issue:666
2. CIF enquiry: 60450
3. PAI registration: app tab➡SI
4. Statement issue:700
5. FATCA ON BOARDING INDIVIDUAL:70700
6. BAR CODE linkage: 7104
7. govt receipt: 7147
8. 15G/H Generation: 61000
9. TDS enquiry: 510
10. UID linking: 6789
11. State govt transaction (non Treasury): app➡GBSS➡stategovt
12. VVR allocation: 60652
13. VVR reallocation: 60655
14. Insurance premium collection: 300304

15. MBS registration: 8332
16. Online Mobile banking registration: 8333
17. Unified payment acceptance screen(PAI): 29061
18.TDR PRINTING..504
19.DUPLICATE TDR ISSUE..506
20.SUBMITION OF 15G/H..510
21.SHORT ENQUIRY 400
22.LONG ENQUIRY..440
23.TXN ENQUIRY....450
24.SINGLE SCREEN 4444
25.BALANCE CONFIRMATION:410
26. Negative CIF: 60478
26.. ACCOUNT CAHNNEL LINK...7082
27... ACCOUNT HOLD...9095
28..REMOVE ACCOUNT STOP..9092
29.AMEND DEPOSIT TAB SCREEN ..7000
30.ATM ISSUE SCREEN...9853
31...VVR CHECKING...60657
32.. DEPOSITS AMEND SCREEN..7050
Date of Introduction Feature Benefit
Now RINB customer whose PAN is not available in CBS,

can request for PAN updation online, The request will
land to MIT screen of CIF home branch for verification
23/12/2016 Online PAN updation
and updation to be completed within 7 days.
Now DD request can be made on non-home branch also,

customer can raise the request and collect the DD from
any SBI branch which is opted at the time of raising the
23/12/2016 DD issuance at any branch
request.
State Bank mCash - Print Gift

Now, mCash gift voucher can be printed or saved as PDF
17/12/2016 Voucher option
for gifting purpose.
Account statement through

Now RINB customer can register/Deregister their email
25/11/2016 email
address for receiving account statement through email
at a periodic interval.
Increase in the Transaction Limit for International

Funds Transfer - Per Transaction Limit from USD 2000
to USD 5000, Monthly Txn Limit from USD 8000 to USD
Change of transaction limit in
20000, Yearly Txn Limit from USD 96000 to USD
21/10/2016 Remxout
240000.
Under e-Services, a link "Online Locker" is provided to

enquire the availability of locker by customer for any
10-04-2016 Online Locker
branch
Registration of Atal Pension Yojna (APY) is available

10-04-2016 Atal Pension Yojna
under Social Security Services.
Login password for retail Internet Banking customers is

10-04-2016 Force login password change
mandatory to be changed after 180 days.
New form for 15G/15H is available now under e-Fixed

10-04-2016 New 15G/15H from
deposit -> Generate 15G/H
Now RINB customer using State Bank buddy can also

10-04-2016 Buddy KYC upgrade
upgrade buddy wallet after KYC verification online
Now customer will be displayed number of attempts left

when he tried to login in Internet Banking portal with
incorrect password and will also receive SMS after
11-03-2016 No. of Attempts left
second invalid attempt.
Wealth registered customers will be able to access SBI

Wealth flag check before
exclusif functionality other customers will get message
11-03-2016 redirecting to Miles
for registration.
Now customer can request issuance of New/Fresh debit

card through postlogin INB under Path "e-services-
14-02-2016 Apply Debit Cards online
>ATM card issuance->Request ATM/debit card"
SBI Exclusif: New Tab for SBI

Wealth Management portal and
Wealth Customers can manage their investment
14-02-2016 Video Assist
portfolio and live chat through Video Assist
Now request for nominee registration/Cancellation can

Acceptance of Nomination be accepted after 8 PM IST, which will be scheduled for
14-02-2016 Request after 8pm processing on next day
Customer may opt for linking SB/CA/OD accounts for

24-01-2016 TDS a/c linking - RD accounts TDS payable for RD accounts linked with same CIF
Under this scheme customer can save monthly amount
in the form of recurring deposit with the bank in order
SBI Holiday Savings Accounts - to avail vacation package listed under holiday saving
24-01-2016 Thomas cook account packages on thomas cook website
Waiver of OTP for Enquiry of

09-01-2016 Nomination OTP is not required for Nominee enquiry.
IMPS link on third party In addition to RTGS, NEFT and GRPT IMPS link is also
09-01-2016 transfer page provided as first radio option
Debit card Activation through Customer can activate newly issued debit card through
09-01-2016 INB INB without visiting SBG ATM.
Display of PAN Number under

CIF details in account summary User can view his registered PAN no. in post login
25-11-2015 page section of INB under "View nomination and PAN".
18-10-2015 Restriction of multiple session Now multiple login session for RINB portal is restricted.
Bill Payments - SBI General

16-09-2015 Insurance Premium Payment Online Premium payment for 7 products
New customer of INB those who has been given view

rights/ limited transaction rights by branch knowingly
or unknowingly will be prompted to upgrade
transaction rights after username, password and profile
Upgradation of transaction password creation. Customer can upgrade the
11-09-2015 rights for new customers transaction right using OTP.
Online Corporate Salary Now CSP customers may opt to open SB account online
Package Account Opening through pre-login through Apply SB Account -> For
11-09-2015 Application resident Individuals ->Salary Account.
Bill Payments - Top-

Up/recharge through RINB
26-08-2015 Portal DTH Recharge / Mobile Top up
If you forget your profile password and hint

question/answer to reset it, you may opt to choose any
26-08-2015 Resetting of profile password branch for resetting the profile password.
Now Customer can change the maturity instructions of
TDR/STDR created through INB. Link is available under
Maturity Instruction update post login --> e-Fixed Deposit --> Modify Maturity
26-08-2015 through RINB Instruction tab.
Customer may cancel the request of m-cash request

26-08-2015 Cancellation of mCash request within 3 days of creation.
Retail Internet Banking customers can pay their EPF

subscription online using the link ‘Pay EPF’ under
15-07-2015 Pay EPF through RINB ‘Payment/Transfer’ tab.
You can Upgrade Access level (Transaction rights) in

your account using OTP without visiting your home
branch. To avail, please click Upgrade Access Level link
15-07-2015 Upgrade Access level given under ‘e-Services’ tab.
You can remit amount up to Rs 5000.00 per day (per

user) to the beneficiaries maintaining account in SBI or
other Bank without adding them as beneficiary under
Ã¢â‚¬ËœProfileÃ¢â‚¬â„¢ section. To avail, please visit
15-07-2015 Quick Transfer Quick Transfer link given under ‘Payment/Transfer’ tab.
An NRI customer can ask for OTP through email if

he/she does not get the same on his/her registered
mobile number. To avail, please click resend OTP link
Receipt of One Time password appearing on the OTP page and choose email option
15-07-2015 (OTP) using email thereon.
You can Re-generate ATM PIN through Internet Banking.

To avail the facility, please visit ATM Card Services
16-06-2015 ATM PIN GENERATION under e-Services tab.
A new customer convenience in collaboration with the

Income Tax Department called "e-filing of Income Tax
e-filing of Income Tax Return Return through online banking" has been launched
05-06-2015 through OnlineSBI which will enable users to seamless filing of ITRs.
Now RINB customers can remit money through

OnlineSBI or StateBankAnywhere (mobile app of
OnlineSBI) to a beneficiary over his mobile number or
email ID. The money can be claimed by the beneficiary
mCASH: Send Money over
either by downloading mCASH app or through
contacts (Mobile No. & email
'StateBankmCASH-Claim Money' on pre-login page of
26-05-2015 ID)
OnlineSBI.
RINB customers holding TDR/STDR/e-TDR/e-STDR in
single name can avail OD against the deposits online. Go
Overdraft against Fixed
to 'Overdraft against Fixed Deposit' link under 'e-Fixed
19-05-2015 Deposit
Deposits' tab.
Online resetting of login

If you ever forget your password, you can reset it online
password by using ATM card
by inputting your ATM card credentials. Else, you can
06-03-2015 credentials and at any branch.
approach any SBI Branch.
Online Nomination :
Add/Inquire/Cancel
Nomination through Net
Please use the link Nomination under e-Services tab for
06-03-2015 Banking now.
online nomination.
You can view Loyalty Reward Points earned by you,

27-02-2015 Loyalty Reward Points
through Net Banking- My accounts.
With effect from 01/04/2015, the following changes in

service charges will be implemented for transactions
done through NET BANKING:
(i) Funds Transfer through IMPS: Rs.5/- per
transaction for remittance upto Rs.1 lac and Rs.15/- per
txn. for amounts above Rs.1 lac upto Rs.2 lacs.
(ii) Draft Issue:
o (a) Upto ₹ 5,000/- -- ₹ 25/- (incl. ST)
o (b) Above ₹ 5,000/- upto ₹ 10,000/- -- ₹ 50/- (incl.
ST)
o (c) Above ₹ 10,000/- upto ₹ 1,00,000/- -- ₹5/- (incl.
ST) per ₹1000/- (Min.₹60/-incl.ST)
o (c) Above ₹ 1,00,000/- -- ₹ 4/-(incl. ST) per
₹1000/- Min.₹600/-incl.ST Max.₹2000/-incl. ST
REVISION IN SERVICE
Courier charges for delivery of IOIs (for online INB
26-02-2015 CHARGES
requests) will be charges extra at Rs.50+ST.
Cooling period for third party transfer through Internet

Banking (OnlineSBI) has been reduced from 5 days to 4
Change in Cooling Period and
days and the transfer limit during cooling period is
Enhancement in Third Party
enhanced to 1 Lac from 50,000/- also transfer limit after
26-12-2014 Limit
cooling period is enhanced to 10 lacs from 5lacs.
Setting/Modifying ATM Card Limit :- You can

set/modify the ATM card limit for cash withdrawal or
CNP or POS transactions.
Enable/Disable Channel Type :- You can
In e-Services, set limit for your
enable/disable the channel type i.e. ATM or POS (Point
card for use on ATM, POS,
of Sales) like purchase in merchant establishments by
12-11-2014 Internet
swiping your card in the POS machine or CNP (card not
present) like IRCTC ticket booking through IRCTC site.
Enable/Disable Usage Type :- You can enable/disable
the usage type i.e. Domestic Usage or International
Usage. If your enable your card for domestic usage then
your card can be used within India only. If you enable
International usage, then your card can be used outside
India also.
45) Preliminary &pre operative expenses is an intangible Asset
46) Credit information Bureau (India) Ltd. (CIBIL) is promoted by SBI
47) San recourse means endorsed with out liability
48) Forged endorsement – protection available under Sec 85 of the NI Act
49) Wrongful dishonour – under sec 31 of NI Act
50) Amount words & figures differs – sec18 of NI Act
51) A/c payee crossing – not recognized under NI Act
52) Minor can endorse the cheque without liability(Sec 26 of NI Act )
53) Cheque – Sec 6 of the NI Act
54) Promissory Note- Sec 4 of NI Act
55) Bill of exchange – Sec 5 of the NI Act
56) Holder in due course– Sec 9 of the NI Act

57) Payment in due course– Sec 10 of the NI Act
58) Provisions relating to crossing – Sec 123to 131 of the NI Act
59) Endorsement in Blank & in full– Sec 16 of the NI Act
60) Restrictive Endorsement– Sec 50 of the NI Act
61) Forged Endorsement – protection available under sec 85 Sec of the NI Act
62) Material alteration– Sec 86 to 91 of the NI Act
63) Provisions relating to crossing – Sec 123 to 131of the NI Act
64) General crossing – Sec 123 of the NI Act
65) Special crossing– Sec 124 of the NI Act
66) Not negotiable crossing – Sec 130 of the NI Act
67) Protection to a banker paying crossed cheques– Sec 128 of the NI Act
68) Bearer or order cheque – Sec 85 of the NI Act
69) Two years jail – as per Sec 138 of the NI Act
70) Notice of dishonour with in a Reasonable time – Sec 106 of the NI Act
71) Dishonour of cheque for in sufficiency of funds – Sec 138 of the NI Act
72) Presumptions in favour of holder – Sec 139 of the NI Act
73) Defense which may not be allowed any prosecution– Sec 140 of the NI Act
74) Offence by companies– Sec 141 of the NI Act
75) Cognizance of offences – Sec 142 of the NI Act
76) Duty of secrecy comes under Banking Regulation Act, Banking companies Acquisition act
77) Joint SB account by 2 minors –No: 2 illiterates – Yes : 2 blind persons– Yes
78) Not negotiable crossed cheque means holder can claim holder in due course
79) CD A/C opening : Minor operated by guardian, illiterate operated by guardian allowed
80) SB A/C can be opened for clubs and Educational institutions
81) In LR and RR the duplicate copy will come to the bank
82) Your bank branch at Hongkong is a foreign branch
83) Method used for verification of cash (Rs 500 &Rs .1000) is cliffy system
84) Conversion means depriving the true owner of the cheque
85) Local cheque immediate credit Rs 30000/-
86) Bill due on a Sunday (holiday) – payable on the previous day

AWARD STAFF: NEW DESIGNATION
Existing Designation Proposed Designation

Assistant Junior Associate (Customer Support & Sales)
Customer Assistant Associate (Customer Support & Sales)
Senior Assistant Senior Associate (Customer Support & Sales)
Special Assistant Special Associate (Customer Support & Sales)
Senior Special Assistant Special Associate (Customer Support & Sales)
P Seg Asset Products
P SEGMENT ASSET PRODUCTS – Ref: SBI TIMES – PBBU SITE -eManuals -eCirculars
ELIGIBILIT WHO ARE INCOME MIN MAX REPAYME
LOAN Y ELIGIBLE CRITERIA LOAN LOAN MARGIN NT
21-65 Years Salaried 2.50 lacs p.a. N.A. 48 X NMI 15% On Road Price 84 Months
CAR LOAN Max 70 Professionals 4 lacs p.a. N.A. 4 X N.Profit EMI/NMI <10L-50%,>10L- TAT- 2 days
SCHEME years 60%
Agriculturists 4 lacs p.a. N.A. 3 X NAI Takeover within 2 yrs
Migration within 2 months, No Insurance policy rqd to be kept on record for STD accts < 20L Reimbursement within 3 months
21-65 YRS Employed for 2 Years USD 12000 or N.A. 18 X NMI 15% On Road Price 84 Months
NRI CAR LOAN equiv.
SB a/c for 12 months-Avg 50K or New A/c with USD 5000, Security: Hypn + 35% Collateral - Wavied: HL-3yrs, Loan closed, Avg 50K-5 yrs
To existing HTL borrowers have
SBI LOYALTY CAR satisfactory repayment record of 12 No Margin, Hypothecation of
Min NAI -2 lacs 84 months
LOAN months car, No EM upto 10 lacs.
Salaried, Min -30000,

Min NMI - 12,500/-, 6 X NMI, 25% On Road Price,
TWO WHEELER Professionals, Max- 36 months
NAI - 150,000 0.5 X NAI EMI/NMI < 50%
LOAN Agriculturists 300,000
HIGH VALUE Term loan & OD - EMI/NMI - 15% Ex-showroom Price,
Min -
SUPER BIKE 21- 65 Years, NO for 2nd hand 6 lacs 50% for 10 10% for Salary Package 60 months
300,000
LOAN (Target 21-40) bikes lacs, 60% > Accts
Rs. 18 x NMI- Max 14 lacs upto 72 yrs, 12 L – 74 Y, 7.5 L – 76
Age Upto PENSIONERS EMI/NMI : 50%
25,000/- Y
72/74/76 Yrs –
PENSION LOAN
Repayment FAMILY Rs. 18 X NMI – Max 5 lacs upto 72 yrs, 4.5L – 74 Y, 2.5L – 76
EMI/NMI : 33%
60/48/24 Mth PENSIONERS 25,000/- Y
JAI JAWAN Pensioners of Armed Forces, Above 56 yrs to EMI/NMI- Max: 36 times Net Monthly
PENSION LOAN Upto 56 years 72/74/76 yrs as eligible to Pensioners Schm 14 lacs Pension 84 months
50%
SALARY REPUTED Cos NMI 5000/- OD : 5 LACS 24X NMI – 15 L, For teaching & non 6 MONTHS,
XPRESS CREDIT Permanent Staff with 1 yr experience, teaching staff of Govt aided schools Max 12
No Salary account - no Xpress Credit EMI/NMI 50% M Gross Sal, Govt Schools : 24 NMI
TL: 25,000/- 60 MONTHS
GLOBAL For study in Value of security to be 0.50% concession for girl child, 1% Min : 20 Lacs; Repayment Holiday/ 15 years
EDVANTAGE Abroad taken to be equivalent to concession in rate of interest if interest Max : 1.50 Cr Moratorium: Course period + 6 after
LOAN loan limit + simple int to is serviced during the moratorium months commencem
be period & en t of
accrued on the loan amt simple interest to be charged during repayment
for 5 yrs. Collateral the
security - 110% of the moratorium period
P Seg Assets : AMIT TANWAR ( DEPUTY MANAGER)

value arrived as above.

Security : Upto 7.5 repayment
lacs - NIL, Above 7.5 0.50% concession for girl child, 1% period - 15
For study in lacs - 100% concession in rate of interest if 10 Lacs in years after
Repayment Holiday/
India collaterals. interest is serviced during the India; commence
STUDENT LOAN Moratorium: Course period + 1
and Margin : Upto 4.0 moratorium period & simple 20 Lacs in year me
abroad lacs- interest to be charged during the abroad nt of
NIL, > 4.0 lacs-5% for moratorium repaymen
India, 15% for abroad period t
ENHANCED LIMIT repayment
(With Collateral/without Coll) period - 15
For Study in List AA - /30 Lacs years after
Margin Upto 4 lacs :
India in Repayment Holiday/ Moratorium: List A 30 Lacs / 20 Lacs commence
SCHOLAR LOAN Nil, Above 4 - 7.5 lacs :
premium Course period + 1 year List B - /20 Lacs me
5%
institute List C 30 lacs/7.50 lacs nt of
repaymen
t
HOUSING LOAN 18- 70 YRS NO. OF CO- Maximum loan Net Annual Income Interiors & Furnishings - 10% Max: 30
SCHEME BORROWERS: 3 – CAN amount will be EMI/NMI or 25 lacs whichever is lower. years,
BE RELAXED BY AGM lowest of loan Ratio, For CRE,
REGION/BR –
Repairs – Max Loan – 10
amount Upto Rs.1,20,000/- Businessme
PROVIDED lacs, for Construction – No
assessed on the 20%, n–
REGISTERED IN ALL Upper Cap, Reimbursement 25 yrs.
MEMBERS NAME basis of a) 120001 – 300000/-
available upto 12 Months Moratorium –
Permissible 30%,
EMI/NMI 300001 – 600000/- (LTV 75%), No Stamp Duty, 18 months or
Ratio, (b) Maximum 55%, Registration & Doc. 2 months of
permissible LTV 600001 – 800000/- Charges, completion
ratio and (c) Loan 60%, 800001 – 10,00,000 HTL LTV whichever is
amount applied for. 65% Above earlier. For
Ratio,
Big Projects,
Rs.10,00,000/- 70% Upto 30 lacs Upto 7 floors
90%, – 18M,
> 30 L < 75 Lacs 14 flrs–24M,
80%, 21 flrs–30M,
Above 75 lacs >21
flrs–36M
75%
OTHERS : Priority Sector – In Metros : Construction/Purchase – 28 lacs with project cost 35 lacs, Repairs – 5 lacs – In Other Areas :
Construction-20 lacs with project cost of 28 lacs, Repairs- 2 lacs. Two valuation reports to be obtained for advances above Rs.1 crore.
Preclosure Penalty – NIL, Inspection to be conducted immediately if 2 EMIs are in default, for NPAs – at Half Yearly rests. Income Tax
Benefits available under 80C for Principal upto Rs.1.50 lacs each. Interest upto Rs.2.00 lacs can be deductible in taxable income. For
Takeovers – Account should be regular, no project delay, the borrower should have the possession of the property, LTV should not exceed
75%. For Women borrowers 0.05% concession available. No processing fee upto 31.03.2017. Administrative Clearance required for loans
above Rs.7.5 crores & property more than 15 yrs old (if the expected longevity of the property is more than 5 years of the loan tenure, no
administrative clearance required).PDCs - 48, 2 Credit Reports for loans >10L (Cibil & Equifax). In-principle approval valid for 30 days
SBI MAXGAIN
Cheque Book & INB to be given only after full 20 No CAP
Overdraft facility given for parking of surplus
disbursement of loan funds
lacs
Future rentals can Min Loan - 20 lacs, Max Loan - 1.20 times of eligibility subject to LTV norms, Only
SBI FLEXIPAY Salaried Govt, PSUs, be added to income
21-45 Yrs interest during moratorium first 36 M to 60 M, Next 36 Min: 25 yrs
HOME LOAN Reputed companies for arriving eligibility
M - 100% EMI, Next 36 M - 105% EMI Max:30 yrs
NRI HOME
18-60 YRS Minimum employment 2 years in
LOAN to NRIs 3 Lacs No CAP
India/Abroad
& PIOs
Emi/nmi- >3 lac to upto 5
18-75 lac-55, >5 to upto 8 lac- 65%,
SBI Privilege & Privilege HL to Central/State Govt & Shaurya 60 M to 360 M
Yrs/term loan Rs. 10 lacs Rs. 50 Crs. >8 lac to upto 10 lac -70%,
Shaurya HLs HL to Defence (Army, Navy & Airforce) or 75 yrs
only >10 lac -75 % ( emi /nmi ratio whichever is
post retirement -50% earlier

Min: Rs. 5 To Purchase a Plot for Can avail another HL for Construction to be completed 10 Years -
SBI REALTY Construction construction simulatenously 15 Crores within 5 years No Moratium
lacs
SBI PAL – Sanction to Loan before finalisation of
Preapproved property 10 Lacs
Home Loan – Sanction Valid for 4 months only
SBI TRIBAL PLUS Loan given for purchase of New
21- 60
– House/Construction/Repair/Old House (Less Salaried : 36 x NMI,
YEARS, to be
FOR than 10 Yrs old) in Hilly Areas where NIL 10 Lacs Others : 2 times of Average 15 Years
closed before
HILLY/TRIBAL mortgage of 3 years NAI
65 yrs
AREAS is not possible
GRAM NIWAS – All Semi-urban & Rural Centres with
HOME LOANS population upto 50,000 as per 2001 Census
NIL 5 Lacs 15 Years
IN –
RURAL AREAS Purpose:Construction/ Renovation/Repair
SHGs having good payment record of 2 Yrs
SAHYOG NIWAS –
– Purchase/Construction/Dairy 10 times of Corpus of SHG with a maximum of
SHGs IN RURAL Shed/Tailoring Rs.50,000/- per member
AREAS Shed/Shop/Repair/
Renovation/Extension/Plot
Property should be self-acquired and self-owned. Age - 60 yrs, Younger

If jointly with spouse, spouse's age -58 yrs, Should not have 90% of property value - Borrower
REVERSE
more than one surviving spouse - Undertaking not to remarry 3 lacs 1 crore Lumpsum 50%, balance in <68 -15 yrs,
MORTGAGE LOAN
during the course of the term loan. monthly/quarterly instalments. > 68 - 10 yrs
Max - 15 yrs -
All HTL borrowers with
SBI HOME TOP UP Extension of EM upto Rs.5 Co-terminus
one year satisfactory Minimum NAI : 3 lacs 2 lacs 5 crores
LOAN lacs not necessary. with original
track record.
loan

Resi.
Property in NAI - 3-5 L - EMI/NMI -
the name of Non-BPR Urban : 1 Cr, 50%, Max : 15
LOAN AGAINST IT Assessee/NRI, Min Loan : 10 lacs,
self/spouse/ Select 5-10L - 55%, >10L - 60% Yrs, to be
PROPERTY NMI : Rs. 25000 Max : 7.5 Cr.
children/paren BPR Centres: 5 Cr, Other LTV Ratio - Upto 1 Cr - 65%, closed
t/ siblings, pan BPR : 2 Cr, RUSU with Abv 1 Cr - 60% before 70
mandatory Population < 1 Lac - NIL yrs of age

DL/OD AGAINST
BANK'S TERM Max Loan - Upto 90% of Face Value + Accured Interest, Rate of Interest : 1% above the deposit rate,
DEPOSITS Maximum Loans against a Deposit : 4, If approved by AGM : 5
Single Name only. Not available for NRE/NRO/FCNRB/ 5 yrs for

Online OD against MODS/TAX Savings Deposits. Minimum residual period of Rs.25,000/ Rs. 5 25% for TDR/e-TDR and
STD & 3 yrs
TDR/STDR deposit : 6 months - Available between 08:00 to 20:00 IST. - Crores 10% for STDR/e-STDR
for TD
Available in DL/OD - No advance will be Personal Purpose : Max 20 lacs, For

Online Loan CNX 500 Rs.50,000/ DL/OD - 30
granted against SBI shares as prohibited applying IPOs : Max 10 lacs, Margin : 50% of
against Shares Scrips - Months
under Section 20 (1) (a) of BR Act, 1949. prevailing stock prices.
Advance under
LIC deposits Linked to Surrender Value of LIC policy - Available as DL/OD 5% Margin Within 3 yrs
SBI Personal Gold Individuals of The repayment of EMIs should commence

loan 21 years of immediately after the month of disbursement. Rs. 20,000 Rs. 20 lacs 25% Margin 36 EMIs
age
Individuals of Bullet Payment of Intt and Princ. at the end of
SBI P Gold Loan - term. Intt at monthly rests but will be due 35% Margin for Public &
21 years of Rs. 20,000 Rs. 20 lacs 12 Months
Bullet Repayment along with principal only at maturity. Staff
age
Individuals of Overdraft with a provision of Cheque Book. 36 months repayment subject to review after
SBI Liquid Gold INB customers should be advised that they every 12 months. Interest to be serviced
Loan
21 years of Rs. 20,000 Rs. 20 lacs
age can transact through their INB platform. monthly and Principal to be paid at the end.
Student Plus Advantage Card’ is Student Plus Advantage Card will be
Minimum
designed specifically for Education based on FD of minimum Rs. 5000/-
Where age Credit
Loan Borrowers on the lines of for the total period of 3 years plus the
below 18 Limit of
‘Advantage Plus Card’. This is study period and Moratorium period ,
card issued Rs. 3500
Student plus targeted at Students / Parents / Co- Lien would be marked on all such
advantage card
– name of will be
Borrowers (Education Loan FDs by SBI GE Capital Branch,
parent, provided
Borrowers). As the students are Gurgaon under the Centralised Lien
above 18- against
enrolled at Colleges/ Universities Management System.–
self deposit of
which are far away from their
Rs. 5000/-
hometowns,
Ltv ratio upto 30 lac 90%, >30to 75 Loan upto 20lac only (term loan),
Home loan to non Max 50
Min 18 lacs -80% , >75 lacs -90% Min 50000 >20to lac to 3 crore – both tl& od &
salaried crore
above 3 crore only tl

Emi /nmi – upto 1.20 lac – 20, >1.20 to Home loan
3 lac- 30%, >3 lac to 5 lac -55 %, >5 lac for 2 years
Hamara ghar Ltv – 90% 30 lac
to 8 lac – 60%, >8 lac to 10 lac – 65 %, at fixed
> 10 lac -70 rate
Existing Home Loan customers will be 5% of the Validity of offer - The offer made to pre-
pre selected for Home Loan selected customers will be valid for a
offering this product based on following Limit, period of 30 days from the date of
eligibility: subject to activation of the offer on (INB) site
Od (a) Minimum Home Loan Limit of Rs. 20 Minimum of residual maturity existing home loan
Only 1 loan
facility(with lacs with INB Rs. – tenure insta top up
Insta top up permitted at
reducing facility, 1,00,000/- a time Above 60 months but upto
dp) (b) Minimum residual tenure of Home 120 months- 60 month
and
Loan of 5 years, Maximum Above 120 months- 120 month
of Rs.
5,00,000/-
Loan to meet shortfall in funds for Ltv ratio - (i) 65%, if market value of the
purchase a new existing property is upto,Rs. 1 crore,
home/flat or
Sbi bridge home Min 20 lac Loan tenor (ii) 60%, if market value of the existing
loan
Tl only
Max 2 crore -2 year property is above ,Rs. 1 crore,
or
(iii) 90% of the cost of proposed
home/flat.
Vechile should not be more than 5 year 30 times Emi/nmi-50 % , nai -2 lac, no financing
Sbi old car loan Age 21-65 old, repayment -7 years(from original nmi or 15 Margin-15 % on duplicate rc book
purchase date) lacs
Age of vehicle is not more than 8 year Tenure 8- Loan amt- min -1 lkah max-5 lakh or
Age -21 to old, age of 30 times nai, margin-20 %,
Pre- owned car loan Nai – 2 lakh
65 vehicle max
– 5 year
Loan limit – min 2 lakh max – no limit, The scheme is designed to attract
Min -18 year
100% of fd for on road price vehicle Repayment customer who are eligible for tax
Assured car loan max – no Facility - tl
-3 to 7 year benefit if they purchase vehicle with
cap
bank finance.
Loan amount min- 3 lac ( atm, chq book Margin -15
Min -18
& inb facility ) % Repayment
Car loan od max-65 -7 year
Salaried-10
years
%

high value car- 20 lac to 1 crore When a lead for finance of imported
Super luxury
Super luxury- above 1 crore Margin – Rest same
car generated the matter will be
imported car 15% as car loan
Super luxury imported car- above 1 cr referred to dgm (b &o )
Loan amt min-3 Senior official working in state govt, Type of loan- od(with reducing dp),
lakh max – 20 central govt, quasi govt bodies , psu , Emi/nmi Repayment chq book facility, cibil score-600 ,
Xpress elite
lakh or 24 times defence -60% -60 month
nmi
processing-nil
(with gmi 1 lakh)
Min-50000 , max- 2 lakh (if nmi < 50000), Min nmi-10000, salary a/c with us fom
Xpress credit non Repayment-36 max -5 lakh (if nmi => 50000), Loan type- last 6 month, remaining period of
personal employee month dl contract should be 12 month
MIN -50000 All it employee who are member of Od (with reducing dp) repayment -36
MAX-10 LAC NASSCOM, Min nmi Emi/nmi-
month
It employee
OR 18 month -25000 50%
nmi
Min – 25000 All cmpf pensioner (except family & Repayment -60 month, facility-dl ,
Pension loan to coal
max- 3 lac or 18 children) whose pension a/c with sbi Emi/nmp- Age max-65
Dhanbad branch (custodian of ppo)
mines month pension 50% year
to provide education loans to those 100% Guarantee Cover will be made

Not
students who are unable to pursue available by Government of Bihar
Bihar education Loan amount – covered
credit card 4 lac higher studies after passing 12th
under
standard due cgfsel
to lack of financial support.
Min age – all above 18 years(except Margin- Min -20000 max -20 lac (equity, hybrid
Od facility(with nri), above 21 with steady source of Min -20000 equity, & etf mf) , max 5 crore ( in debt/fmp)
Loan against mutual
fund
atm,inb, & chq
income , no max age Max- 20lac hybrid & etf-
book) 9 50% b) debt
fmp- 15 %

Agri Segment Loan Products At a Glance (For Upcoming Promotional Examination 2017) -Updated upto june 2017
Prepared by Amit Tanwar ( Deputy Manager)
Products
Product Name Type Min. Max. Margin Primary Collateral Repayment & other features
Security Security
Kisan Credit Card (KCC) : [10,000 to No margin Hypothecation of Waived upto 1 Mono Crop : Kharif-31.01 or dt fixed by
50,000 for marginal farmers as flexi crops Lac & 3 Lac with SLBC/DLTC & 31.07 for Rabi & Multiple
KCC] Validity-5 Years, Limit Stepped tie up agrmnt for Crop ,
up @10% each Year, SB Kisan Card recovery
is also issued. age -18-70, credit
KCC No No
balance in a/c attract sb interes rate,
tat -3 days , revival letter in 3 years,
crop insurance pmfby mandatory
(premium rate for kharif 1.5%, rabi-2
% & horticulture – 5%)
ACC/ Loan granted against gold & silver CC/OD-3 Yrs, Sub to Annual Review,
ornaments are not taken into TL/DL- 1 Year for Short TL & Prod. Credit &
Agri Gold Loan (AGL) : OD/ account for computation of 36 months in other cases.
Advance against Gold Coins Upto TL/ DCB(Demand,Collection &
Balance) prepared as on 30th Gold testing- touch stone, nitric acid, gravity
50gms only method & karatometer
DL No 25 lac 25% June each year.
Risk Weightage for Gold/Silver
Ornaments upto 1lac-50% Security valuation upto 50000 by
cash officer, above 50000 from
Ltv – 75%, age-18-70 reputed gold appraiser
Security -135% of loan amount
Produce Marketing Loan (PML) : Mortgage of

Land
Inspection : Upto 25,000/- Once in 2
Months (Bimonthly) 60% of (above 1 lac if Within a period of 12 Months.
Produce Hypothecation/ stored in farmers
Above 25,000/- Monthly (if in Own DL No 40%
Pledge of Stocks godown &10 lac
godown/Warehouse) Max 50 Lac if in warehouse)
& Quarterly if in Others
Warehouse/Cold Storage by BM
Farmers Easy Empowerment Loan If Prod Credit
(FEEL) exceed 1
Prod Credit Prod Credit : No,
"Krishi Kalyan [ KCC+PML]" Lac or PML
: No upper if SOF applied & Hypothecation of
15-25% if exceed 10 Lac or Crop Loan to be liquidated from PML and
Borrower should submit stock ACC No limit PML should be repaid within a period of 12
computed from Standing Crop / Stored in own
statement at Bimonthly interval. PML : 25 Months.
cost of cultivation, Stock Godown :
Scheme implemented only at Agri Lac PML : 40% Mortgage of
Intensive Branches, selected by
controllers. Land
20% of Outstanding amount in GCC should cleared

eligible in full when the applicant is fluid with cash.
General Credit Card (GCC) : production Reviewed every year &
loan limit or
Eligibility : Satisfactory conducted CC No annual [Clean & Unsecured Loan] Renewed : every 3 Years
deposit account for last 6 Months but income,
KCC not included. max
25,000/-
Kisan Gold Card (KGC) : Good track

record in repayment for last 2 Years, 5XAnnual
Investment
New borrower : Siezable deposit for Farm Security : As per ATL
last 2 Years, Validity : 1 Year from Income or Purpose:
the date of sanction. Separate a/c to 50% of Investment Credit : 80% of the eligible limit can be utilized for creation or
10% purchase of any productive assets other than for a) Purchase of land b)
be opened for each purpose and ATL No value of
land less TL Consumption Construction of farm house and c) Purchase of tractor & its accessories.
separate repayment schedule for
each account. Max 5 a/cs., Purpose : Consumption Loan : 20% of eligible KGC limit for domestic expenses
outstanding,
Repayment : Separate for each a/c (education, marriage, medical etc)
6-7 Yrs (9 Yrs for horticulture Max 10 Lac 30%
orchards)
Arthias Plus [To finance

commission agents]
Eligibility : Commission Agents Hypo. of
EM of Property (non agri) : Upto 25 lac : 1.5 times of
holding valid license& are in receivables
CC No 50 Lac 40% loan, Above 25 Lac - 2 Times of Loan Repayment : Max
business for past 3 yrs having [Not older than
receivables from farmers only, 06 Months
6 months]
functioning in RUSU market/mandi.
Upto 10lac sbf , above 10 lac – c&i

SHG Credit Card : Eligibility : Reached 3rd level of credit linkage and credit limit of 50,000/-, atleast 2 members should be literates, Min : 50,000/- Max : 4XCorpus of SHG,
No separate margin,
Hypothecation of asset as security, Validity : 3 Years [sanctioned as Cash Credit]
SHG Gold Card : Eligibility : Reached 3rd level of credit linkage and credit limit of 50,000/-, atleast 2 members should be literates, Min : 2 Lac, No separate margin,
Hypothecation of asset as security, Validity : 3 Years [sanctioned as Term Loan]
Modified New Tractor Loan

Scheme (NTLS) :
Cost of Tractor, Accessories, Upto 1 Lac : Nil

implements as per dealer net price 15% 60 Months with 1 month of moratorium
Hypo. Of Tractor Above 1 Lac : period.
and insurace & registration charge to RM/ EM of land
Penal int. during accessories &
be included. Minimum 2 acre of land ATL No No
not less than TAT : 1 Week
the irregularity implements
holding, 1% of interest conecession
period : 1% p.a. 100% of loan or DSCR : 1.5 Stipulated.
for prompt repayment. , If vehicle is
not registered within 1 month from TPG.
the date of delivery : levy @2% for
the period of default.
Tatkal Tractor Loan (TTL-Mortgage 25% to be

Free) deposited in form
of TDR with Zero Hypothecation of Lien on TDR 48 months without margin
Credit Score of 61 & above, 100% No No Interest for the accepted as
Finance, Min 2 acre of land holding, Tractor
tenure of loan. Margin Money. 60 months with margin
Cost of accessories not to be
included in the loan.
Stree Shakti Tractor Loan (SSTL) 50%- Without 30% in form of 36 Month (With Collateral)
Collt. gold ornaments,
Min 1.5 Lac of income, 2 acre of agri NSC etc in 48 Month (Without Collt.) EMI with 1
land, EMI/NMI<60%, 25%-if tractor month moratorium.
alone & SSTL with
TAT-3 Days, Income of co-borrower Hypothecation of
No No Collateral,
may be reckoned for NAI 50%-accessories Tractor
if both No Mortgage
Min-10%(With
Collt.)
Digital kcc- to lower the cost of txn, cost Kcc Only 20% of the digital KCC limit
of acquisition & risk of txn, empowering is allowed to draw in cash
1.01 lac No Same as kcc component to meet the
tech & technology , concession in roi
contingencies and remaining
above -3 lac(.5%) pai free upto – 2 lac,
portion should be in cashless
50% concession in crop insurance transactions only.
premium
Above 1 lac-
Financing Power Tillers 2lac : Mortgage
of land(50% of
Farmers or group of farmers(Max 3), As per Min 10% of total loan) or 1 TPG
Hypothecation of
Min 2 acre of land. No Invice - cost of power tiller or liquid(50% of Max 9 Year with 1 year as gestation period
assets
Margin + accessories. loan) Above 2
Less than 2 acre also eligible if Lac- EM of
DSCR is 1.75(min) land(atleast 50%
of loan)
Financing for Combine Harvesters [ No Min & Max ] Mortgage of

Land/
Self Propelled Combile Harvester : Min own 8 acre of irrigated land. 15-25%
Lesser acres also sub to min DSCR 1.75 & liquid at least 50% of the loan
Hypothecation of Building
amount (Loan sanctioned Max 9 Year inclusive of 1 year as gestation
Combine Harvesters as an attachment :Min own 6 acres of irrigated Harvesters & (loan for new
by RM period
land &tractor of min accessories. models only
Only) approved by
50 HP. Lesser acres also sub to min DSCR 1.75 & liquid at least 50% of
loan CFMTTI/FMTTI)
Agri abl (premium kisan gold card),5 3 lac 155% of the loan 12-72 month, within a radius of 25 km, cra
times of annual income or 65 % of the Dropline amount, property, above-25 lac , no renewal, review every year
15-25% , ltv ratio- Hypothecation of
amt land building mortgage whichever is 2 crore physical gold or
od 65% crop
less,kcc rupay card issued nsc/kvp/fixed
deposit
Dairy Plus: Age below 65 years, Min

DSCR : 1.75 TL-5 Lac
Over 1 Lac-
5 Years in MONTHLY
WC- Mortgage or
If dairy <10 animals; 0.25 acre land
@2,500/- TPG worth for instalments with gestation
per 5 anima0ls Hypothecation of
ATL No As per ATL loan amt or
per animal assets
If dairy >10 animals; 1 acre own or group guarantee
lease land per 5 animals. Min Yield: per of 2 dairy
Period of 6 months.
Buffaloes-7 ltr/day, Cow-8 ltr/day farmers
day
Payment to bank directly by society.
Scheme for financing dairy Mortgage of land

4XAvg Hypothecation of 5 Years with gestation period of 6 months.
societies ATL No 15% or guarantee of
Profit of assets MONTHLY
milk union.
'A' Grade milk societies rgtrd & prvs 2 years Instalment.
affiliated to Dist Milk Union Supplying Max 10 Lac
1000 ltr/day to milk unions as per
prvs 2 yrs audited balance sheet
Broiler Plus : "Contract Broiler Mortgage of land

Farming Arrangement" on which poultry
form is proposed
Constrct poultry shed & feed room & to construct to
purchase of eqpmnt cover at least
25% 5 Year inclusive of a grace period of 6
Should posses adequate land & 500 9 Lac per Hypothecation of 50% of advance months.
ATL No value.
mtr away from exstng farmer assets
DSCR - 1.40 BI-MONTHLY Installments.
Min flock size 5,000 birds; financing
also for 10,000 or
15,000 birds or part thereof.
Rearingperiodof birds-7 weeks.
Product Name Type Min. Max. Margin Primary Collateral Repayment

Security Security
Scheme for financing MFI/NGO Margin : NIL
NGO/MFI having min partnership of Debt/Equity-5:1

SHG/JLG-50 & Upto 25 lac-60 Non-NBFC: Nil
25 Marks Max TOL/TNW-5 TL-Max 3 Years (Monthly / Quarterly / HY
Individual -500; min-30 SHG in cluster lac+for Hypothecation of NBFCs : as Installments)
MTL or CC CRA Rating AGM : Sanctioning book debts
financing New, applicable to
SB5 SB7 Auth. CC- Renewal Yearly.
Existing for 12 Months & running Enhance for ment NBFCs.
micro credit for 6 months
Risk portfolio should be less than 5%
Scheme for Debt Swapping of 100% if the The Branch All existing 3-5 Years
Borrower debt is o/a Manager & security of
cultivation Division Manager available with us Mortgage of (Yearly/H.Y. Installments) Disbursement
Existing & other farmers in or agri, Max only should (both prim & directly to money lender.
ATL No Agriculture
operational area of the branch 1 sanction the loan collt) extended to
Property.
KCC may also be sanctioned for 20% Lac strictly. cover the loan.
of production limit DSCR-1.75
Land Purchase Scheme
Record of prompt repayment of loan 9-10 Years (after gestation period) - H.Y
5 Lac Installment.
for atleast 2 years Land devlpmnt
cost should not exceed 50% of the ATL (excluding Mortgage of
No As per ATL Gestation Period :
cost of land. KCC may also be developmen property
given. Small, Marginal, Tenants t charges) 1-2 Years if land to be devlpd 6 Month to 1
Cultivators, Share Croppers & Yr-Devlped land
landless agri labourers are eligible.
Agri Clinic & Agri Business 50% of margin to be

Centres (ACABC) Scheme financed by
soft loanNABARD Upto 5 Lac -
For technically trained person interest. as without Nil 5 Lac+ - 5-10 Years with grace period of Max 2
SubsidySany Hypothecation of Martgage of
ATL Years.
Project Cost : Individual-20 C/ST/
36%, 44% assets created land or TPG
Lac, Group-100 Lac If group of 5 Upto 5 lac : Nil with permission 100% refinance by NABARD.
stations. for
or more all except 1 of them of controller.
should be agri graduate & trained Women/NE & 5 Lac+ - 15%-25%
under the scheme. Hilly
Financing Cold Storage [Project Inspecti on: Upto 20 Pattern : 25%

Cost : Upto 16 crore] Subsidy : by Bank lacofficial promoter's
Projects upto 5000 MT capacity are 20 Lac+- As applicable to contr., 25%
ATL Jointly by 25% of Project 9 Years inclusive of a grace period of 2
eligible for capital subsidy of 25% of & Bank NHB Cost ATL capital invst by Years
Proj. Cost max 50 Lac & 33.33% for NHB, 50% Term
SC/ST max 60 Lac Loan
EM of the Valid for 12 months& renewed every year.

warehouse / A/c should be brought into credit bal by end
Financing Private Cold Lac cold storage to of November each year.
Storage/Private Ware Houses Cold Clean Min : 25 %Xvalue of cover 100% of
loan.
Storage capacityof more than Max : 60 Oper ce Nil
5000MT, post tax profit for last 3 CC of produ during past Personal
years. 12 ating capacity/Avg guarantee of
value months; prop./
max 1 crore partnr/dirctr.
Financing Seed Processors Assignment/Hyp EM or residential Within 6 month for each crop season.
No upper 40% of oth- ecation of / commercial Statement should be obtained half yearly.
Should have valid license from State ACC 2 Lac
ceiling receivables. receivables (not property worth
Dept. &certificatefrom Seed
Certification Department. Doing
business for the last 3 years, more than 6 1.5 times of
posted profit during past 2 years. months old) limit.
65% of Tangible On Demand

realizable Security of min
Encumbrance Certificate on every 12
value of 153% of loan in
months.
property or Hypothecation of form of EM of
Mortgage Loan to Seed Processing 35% of realizable
ACC 5 Lac 40% of stocks & land & building.
Units value of property
projected receivables
annual tern
over, Max 1
Crore
As per Mortgage of land

Bank's or Any othher
Financing of Organic Farming prescribed readily realizable
norms. [ATL 20% of Project liquid or
Min 4 acre of irrigated /10 acre of dry Hypothecation of
ATL & KCC] Cost [Own immovable 9 Year including 3 year of gestation period.
(rain fed) land. assets created &
[JLG- contribution or property. Only Subsidy: From NHM 10,000/- per hect, max
KCC crops to be
Conversion period : 3 year (to 50,000 per subsidy Mutual 4 hect.
raised.
organic farming) Gross DSCR : member received] Guarantee for
1.75 Max 10 JLG.
member /
group]
Will be the
cost of bio
gas plant &
installation
Bio Gas Plants (Family Type charges
Scheme) less margin. Upto 1 Lac -
Cost
Hypothecation
Owning Minimum 4 animals. Subsidy ranging Waived upto limit 5 Years in Monthly/Quarterly / H.Y
from 16,000 of 1 Lac. of assets
upto 50% of the cost by Ministry of instalments
to 20,000 created. (Upto 1
New & Renewable
for bio gas Lac)
Direct Agriculture Advance plants of
2/3cu mt
size.
Fixed by
SLBC.
Schemes
Agriculture Marketing Infrastructure (AMI) : Subsum of Gramin Bandhan Yojna & Scheme for Development/Strengthening of Agriculture Marketing Infrastructure, Grading
& Standardization (AMIGS) by NABARD. To encourage post harvest storage & Primary processing value chain in Agri and to develop Marketing Infrastructure, promote
Scientific Storage, innovative & latest technologies, quality certification, primary processing without changing the form of produce i.e. washing, sorting, grading, waxing,
packaging etc. Cold Storage cost should not be more than 75% of the total finance outlay. Subsidy for ancilliary/supporting infra. will be restricted to 25% of total
permissiable subsidy of project. Min promoter contribution : 20% of project cost, Min TL including subsidy : 50% of project cost. Subsidy will be calculated on the project
cost as appraised by the Bank or cost of eligible components as certified by Chartered Accountant, whichever is lower.
Joint Liability Groups (JLG) : Informal group of 4-10 members (considered upto 20) engaged in similar economic activity. May avail the loan either singly or through group
machenism against mutual guarantee. KCC/ACC/ATL may be granted. Max Loan : 50,000 per individual. Mutual Guarantee no collateral.
Capital Investment Subsidy Promote organinc farming through Biofertilizers, Biopesticides & Fruit and Vegetable waste compost production unit. Term Loan-
Scheme for Commercial Owner's contribution 25%, Govt Subsidy 25%, Max TL 50%. The value of land should not exceed 10% of the project cost. Cost of
land may be reckoned towards margin money. Subsidy : 33% for fruit & vegitable waste compost unit max 60 lac & 25% for
Production units of Organic Inputs Biofertilizers/ Biopesticide Units max 40 lac. [Calculated on Project Cost]. Repayment : 10 years with grace period of 2 years for
Under National biofertilizers and Fruit & Vegetable Waste Compost Units.
Project on Organic Farming
Central Sector Scheme for Subsidy : 25% of project cost, max 50 lac. 33.33% of capital cost of project for SC/ST/NE States/Hilly & Tribal areas max 60 lac. No
Strengthening of Agri upper ceiling on subsidy for infra projects of state government. Cost of land on infra project will be restricted to 10% of the project
cost in rural areas & 20% in Muncipal areas. Mobile Infrastructure for post harvest operations excluding transport equipment will also be
Marketing Infrastructure, Grading & eligible for assistance under the scheme.
Standardisation
Producer Companies : 10 or more individuals & producer institutions (co-operative societies) can get incorporated as Producer Companies [max member can exceed 50
no upper cap on membership]. Financing Modality- Individual members on the guarantee of the Prducer Company, Producer Company : Lending powers for onlending to
members, Aggregated Finance to
Producer Companies : for on lending to members.
GSS-Dairy Enterpreneurship Development Scheme (DEDS) : Establishment of small dairy units of 10 animals (min 2, max 10) Unit Cost- 6 Lac for 10
animals. Rearing of heifer calves-cross breed, indegenous descript milch breeds of cattle and of graded buffaloes - upto 20 calves. [Unit Cost 5.30 lac for
20 calf units] Purchasing of Milking Machines/milkotesters/bulk milk cooling units (upto 5,000 ltr capacity) - Unit cost 20 lac
Back ended capital subsidy of 25% of project cost(33.33% for SC/ST farmers) available under the scheme. Subsidy Claim by Banks through Controlling Office of NABARD
RO withing 2 months of disbursement of 1st installment of loan. Bank should adjust the subsidy amount in subsidy Reserve Fund Account of beneficiary within 7 das of
the receipt from NABARD. Utilization Certificate should be submitted by the financing banks to NABARD RO within 15 days of the receipt of subsidy.
Enterpreneur Contribution (margin) of 10% shall not be required for loan less than 1 lac or as revised by RBI time to time.
Details are collected from different source viz Banking Guide, QSS, E-Circular, SBI Corporate Website. Please refer to original circular for any clarification. Not
liable for error, if any.
SME PRODUCTS
PRODUCT PURPOSE MARGIN LIMIT REPAYMENT OTHER FEATURES

1. Min Score- 60% (36 out of 60)
2. Assessment- For SSI- as per Nayak committee, SBF & Retail-
20% of Annual T/O, SE & Prof -50% of Gross A.I.
upto 25000-
TL- 5 Years 3. Credit summation in the a/c should not be less than 50% of
Unit with 2 years of satisfactory NIL
SME CREDIT CARD Max 10.00 Lacs CC- Valid for 3 years projected sales
track record. 25000-10 Lacs-
subject to annual review 4. Submission of audited B/S waived
20%
5. Stock statement to be obtained yearly on 28th Feb. SSI
limits to be covered under CGTMSE compulsory.
1. Promoter's Age - below 18-65 years

T/L - 5 Years (excluding
Loan as per scoring model - 2. Minimum Score - 60% (50% in each group -
6M moratorium)
Rationale: (1) To cut down delays, 25% for WC 5-50 Lacs (Mfg) Personal+Business+Collateral: 30+50+20)
SME SMART SCORE W/C Limit valid for 2
(2) To simplify the approval 33% for T/L 5-25 Lacs (Trade) 3. CRA applicable for loans above Rs.25 lacs.
Years subject to yearly
process. 3. SSI-20% of P.S. for wc & 67 % of the p.s. of term loan,
review
4. T&S-15% of Projected Sales of wc & 67 of p.s of term loan
No OD Facility. No additional security - only hypothecation of

TL to promoter/partner/ family 15%, SA can NAI - Rs. 4 lac, vehicle. PDCs to be obtained. P-Seg Doc. Used Vehicle - Yes, but
members in Own/Unit's Name - reduce 5%, Emi/NMI should not less than 5 years - Max loan: 15 lacs -Single ownership - NO insurance
SME CAR LOAN 7 years
Spouse Income can be added if AGM - 5%, Min exceed 50% (60% by claim - Take over - Only Standard Assets, Care : No loan for Duplicate
she agrees to be a guarantor. reqd margin-5% AGM) RC
NBG - Min 10L, Max 1. Collateral value should be minimum 143% of loan amount,
LEASE RENTAL To meet borrower Liquidity 50 Cr. MCG - Min 2. For New Accounts, CRA to be SB-3 & better.
DISCOUNTING mismatch - No speculative 3. Loan to be recalled if a/c irregular for 3 months
30%, 50% for >50Cr, Max 500 Cr. 10 years or residual
SCHEME purpose - Owners of resi & comml Maals - Max 200 Cr 4. DSCR : 1.20, 5. Valuation once in 3 years.
Maals lease period
(ERSTWHILE RENT properties - Rented to :
PLUS) MNCs/Banks/Corp./Govt.
Amit Tanwar ( Deputy Manager )Page 1

SME PRODUCTS
Margin -15% 1. For Non Allopathic Doctor- Max 10 Lacs

Qualified medical practitioners. Ecr- not 2. Min DSCR- 1.5:1
Given as MTL and CC for Buying mandatory 3. PRICING
equipment, Setting up of Clinics, Pos mandatory For Loan more than 25 Lacs- CRA below SB 8 will not be
Min – 10 lac max- 5 considered. 4. for Loan upto Cr- No tangible security, to be covered
DOCTOR PLUS Purchase of Ambulance, Repayment -3to 7 year
crore under
Computers, Vehicles -
Expansion/modernisation of CGTMSE. Above 2 Cr - Minimum 25% Tangible Security required.
existing premises, etc.
PRODUCT PURPOSE MARGIN LIMI REPAYMENT OTHER FEATURES

1. Min CRA SB 9 and above
New/existing 2. Max 12 times in a year the scheme can be availed with the gap of
To meet unforeseen expenditure/
units with 15 days.
bulk orders/tax /repairs - No 20% of FBWC,
SME CREDIT PLUS FBWC of Rs.25 2 Months 3. Standard for 2 years.
cheque book to be issued - Clean Max 25 Lacs
lacs & over are 4. Customers of High standing and integrity.
Cash Credit - EM to be extended.
eligible 5. Existing security to be extended.
If availed SME Credit Plus no SLC - Export orders - WC funds at short

SSI & C&I borrowers rated SB 10
STANDBY LINE OF 15% of WC notice in times of urgent need. EM to be extended - Sufficient DP to
& abv - ECR above 'D' mandatory 3 Months
CREDIT Max 20 Crores be available - Can be availed any no. of times in a year.
for Rs.10 cr & above
Min above 5 crore 1. Cra – Sb 9 , Ecr – bb

Simplified cash All existing and new customer Max 20 crore Repayable on demand 2. Security - 30 % of the limit
credit facility engaged in manufacturing Min 25 % In addition SLC to be ,max for 12 month 3 inspection quarterly
activities extent 15 % of the cc SLC 3 month 4 stock statement – monthly 20 th of the succeeding month
limit
Purchase of land/bldg/ 1. Min DSCR 2
SCHOOL PLUS construction of bldg for school 15% No Cap T/L - 3-7 Years 2. ROI would be as per credit risk assessement mix
Margin – 10 % if Min - 25 Lacs; upto 1. Mi nimum of 3 years experience

CONSTRUCTION collateral 10 Crs 2 cra Sb 9 face 1.25
EQPT LOAN Term loan for funding of purchase available , 15 % 5 Years 2. 1 year satisfactory track record.
of new Construction Equipments where no Collateral 25 %
collateral

SME PRODUCTS
T/L: 15-25%,
WC Stocks - 5-7 Yrs, excluding Loan upto 50 Lacs - No Collateral - obtain CGTMSE Cover,
Loan as T/L, CC, LC, BG, Credit
DAL MILL PLUS Not specified gestation period of 1 50 L-1 Cr : only if Guarantee fee to be borne by borrower.
Plus 15-20%, Book
year Without CGTMSE - 75% collateral to be insisted.
Debts-25-40%
Max 5 crore(for both
manufacturing & Genrally 5 year,
SME OPEN TERM Scheme for CRA upto SB 6 only,
25% service sector) sanctioning authority Limits to be utilized within 12 months of sanction
LOAN ECR - BBB and above
For intangible asset- may consider 7 year
2crore
SHISHU : Upto 50,000, Daily Cash/POS withdrawal KISHORE : 50,000 to Rs. 5 lakhs, Daily TARUN : 5 lacs to Rs. 10 lacs,
PMMY Mudra Card
limit : 10,000/15,000 Cash/POS limit : 15,000/25,000 Daily Cash/POS withdrawal limit : 20,000/30,000
- Upto 10 lacs
Greenfield enterprises may be in manufacturing, services or trading
Objective: To facilitate loans to at CTL - 7 years incl. sector. SIDBI to maintain web-portal, NABARD will take care of the
Standup India Min: 10 lacs,
least 1 SC, 1 ST or 1 Women 10% to 25% moratorium of 18 training, LDMs to serve as contact points for SIDBI, NABARD & Banks,
Scheme Maximum: 1 Crore
borrower per branch. months Guarantee cover available from Credit Guarantee Scheme for Stand-
up India.
PRODUCT PURPOSE MARGIN LIMIT REPAYMENT OTHER FEATURES
LTV % - 50% of Realisable Value of property, SARFAESI Complaint exclusive property, Property
Min : Above 10
Drop-line Overdraft facility - Units engaged in to be within 25 km radius from the branch, 2 TIRs for loans above Rs.25 lacs, Half-yearly
lac
manufacturing and services activities along with Inspection, CRA to be done but not related to Pricing, Renewal - on request of the borrower
ABL Max:20 crore ,
self-employed & professional individuals covered dp can be resituated , yearly Review, Borrower to submit Cash Flow Statement every year. ,
Repayment : 12 M to
by MSMED Act 2006, wholesale/ retail trade. ecr not mandatory ,
180 M.
cra- sb 10 statement –quarterly
Drop-line Overdraft facility - Min : 10 Lac, Max: 50
Proprietorship/Partnership/ Cr Repayment : 12 M for TIER I - Rs. 50 Cr, Tier II & III - Rs.20 Cr, Tier IV, V, VI - Rs.5 Crores
ABL-CRE LTV - 60%
Company to 96 M LTV% - 60% of Realisable Value of property
Financing of inventory purchases SCFU operations -

1. Bipartite agreement to be signed by IM & our Bank
Electronic Dealer of the Dealers - 24 x7 MIS 100% financing SME Shiv sagar Estate Comfort Letter to be
Finance Scheme of invoices - issued by Industry Major 2. Electronic mode of transactions reduces branch visit by dealers -
Support, Branch, Mumbai
(e-DFS) NIL Margin to its Dealer Cheapest rate of interest
No cheque book
3. Flexible Collateral terms - 25% in the form of TDR/EM

SME PRODUCTS
1. Minimum Gross DSCR of 1.75

For all general commerical
Maximum : 50 lacs, 2. TOL/TNW not be ordinarily exceed 3
purposes such as capital 3 years - Can be 3. Total Long Term Liabilities to equity not to exceed 2:1
General Purpose Minimum Loan
expenditure, R&D, repaying high 25% extended to 5 yrs in 4. Current Ratio not to be less than 1
Term Loans for SSIs preferred - 25 lacs
cost debits, shoring up of NWC, deserving cases 5. Minimum CRA of SB7 and above
and above
etc. 6. Should have earned pretax Profits for 3 proceeding yrs
WC/TL - Smart Assessment as per SME Credit Card Scheme - Prof & SE : 50% of
To increase flow of credit to
Revised General Card/Debit Card to be Valid for 3 years, subject Gross Income, SSI/Traders : 20% of Projected Annual Turnover. TIN
individuals for entrepreneurial 20%
Credit Card issued. to annual review No./Service Tax Registration No. to be obtained and Sales to be
activity in the non-farm sector
Maximum - 5 lacs verified with VAT & Service Tax returns, wherever applicable.
For working capital requirements Upto 25000-

as well as cost of tools & NIL Valid for 3 years, subject Assessment by Nayak Committee norms and will be based on
Artisan Credit Card equipments required for 25000-2 Lacs- CC - Max 2 lacs
to annual review simplified scoring model. Minimum Score: 60%
manufacturing process 20%
Working capital requirements for purchase of tools

Minimum Marks 60% as per Scoring Model. Loan is provided @ 6%.
& equipments required for carrying out weaving CC valid for 3 years,
By way of Term Loan Margin money assistance @ 20% of the project cost subject to
Weaver Credit activity. Possession of Photo ID Card issued by subject to annual
and Cash Credit - maximum of Rs.10,000/- available. Loans guaranteed under CGTMSE
Card Development Commissioner (Handlooms) or the review. TL - 3
min 50000 Max 2 lacs to the tune of 85%. Cir Ref: NBG/SMEBU-Weaver/CRE/85/2013-14
State Govt. is a necessary pre-condition for availing years
dtd 13/3/14
the scheme.
Sbi e smart Loan amount min 1 lac max 25lac Only wc upto 1 year Margin -20 % Collateral upto 10 lac nil above 10 lac – 25%
SBI FLEET FINANCE Min 20 lac with at least 2 new vechile, Max-5 cr for proprietar , ONLY TL -72 MONTHS(if Collateral -20% ,
20 cr for non corporate, score60) 60month ( if 50to
50 cr for corporaes 60
0
SBI SMILE( SMALL & SSI – 1 LAC SSI – 10LAC 3 YEARS AFTER INITIAL 15.00%
MICRO IND & PROF-50K IND & PROF-5 LAC MORA
INTEREST FREE LOAN 5 TO 7 YEAR
AS EQUITY)
Ssbl Fund based drop line od, existing business from last 5 Min 10 lac max less than Collateral -40% Cra-na , margin-10% , unit within a radius of 5 km, repayment -12 to 60 month,
year inthe same location, current a/c from last 2 years, 25 lac or 10times of mab Health insurance 2 lakh mandatory stock statement quarterly tat-1weelk from
last 12 month date of submission of document
Sme dost ( scheme Eligibility Satisfactory a/c having fbwc limit upto 10 crore Working capital demand Limit-20% of existing fbwc REPAYMENT -1 year(including 3 month moratorium) , loan upto 50 lac by
closed on 30 June 17 ) loan, cm/bm, 50lac to 1 crore- agm, above 1 to 2 crore- dgm
Medical equipment • Individuals, Partnerships, Corporate, Min – above 10 lac max Cra- sb 9, margin -15 % Collateral – upto 2 crore cover under cgtmse ,2 to 20 crore – 25 % collateral &
20 crore personal gurantee of promoter

SME PRODUCTS
Trust & Societies

• ITR is mandatory in all cases , term loan for
purchasing of medical equipment
E – commerce Pre qualified customer as identified by bank at Min-5000 max- various Merchant sites – flipcart, Repayment -6/9/12 month , pre created od a/c , closure allowed after 30 days of
customer to customer snapdeal, shopclues & availing loan
quarterly interval , no security required, valid till the Silver 25000 , gold 50000, paytm
calendar quarter end diamond -75000,
Platinum -75000
e- vfs Launch after renaming express vendor discounting No margin Security – 100% stock, Scfu ( marketin )headed by dgm has been established at smebu , corp centre
collateral – 25 % Mumbai , scfu (operation) is loacated at shivsagar , Mumbai
scheme,
Dropline od facility for Who availed a limit of rs 100 lac& above Loan amt -25 % of the Repayment -36 month Collateral for e dfs- 25 % , for m –dfs -150%
dealer covered under e- existing e-dfs /mdfs max
dfs & m- dfs 5 crore
Pos linked od Min 25000 max 5 lac or 25% of aggregate average Review/renwal -annual
monthly txn of last 3 month
DISCONTINUED SCHEMES
: TRANSPORT PLUS, RENT PLUS, RICE MILL PLUS, PARYATAN PLUS, SBI SHOPPE PLUS, TRADERS EASY LOAN, restaurant finanace, Sbi shopper
SME PRODUCTS UPDATED UPTO JUNE 17

RECOLLECTED QUESTIONS OF MMII CONFIRMATION (TOs) EXAM HELD ON 23.04.2016
Part- A Objective Questions
1. Limit of minor deposit in single name?

2. Who can open Pehli Udaan A/c?
3. Full form of BIAK?
4. Minimum margin for Stree Shakti Tractor loan with gold ornaments/ NSC/TDR as collateral?
5. Lien defined in which Act?
6. Wrongful dishonour of cheques defined in which Act?
7. Assignment defined in which Act?
8. Margin on Rent Plus?
9. Full form of VIRUS?
10. Full form of MAT?
11. Full form of FSSAI?
12. Full form of ASC?
13. Full form of UTR?
14. Inchoate instrument defined in which Act?
15. Void Contract defined in which Act?
16. Garnishee order defined in which Act?
17. ATM cash belongs to whom?
18. ATM/Prepaid cards defined as ______.
19. IOI signing power of JMGS – I official?
20. Duplicate Draft without surety is paid up to what amount?
21. Do we take non-payment advice for DD before payment?
22. Priority sector limit in India & Abroad for Education loans?
23. Full form of NPCI?
24. Maximum limit of Scholar loan without collateral for A listed institute?
25. Maximum limit of Career loan?
26. How many digits in UTR number?
27. Where was World Economic Forum meeting held?
28. Who was re-appointed as RBI Deputy Governor?
29. What is the present SLR?
30. Frequency of submission of stock statement under ABL?
31. Limit in case of Forensic Audit?
32. Limit for External Credit Rating (ECR)?
33. Validity of External Credit Rating (ECR)?
34. RBI has decided to permit banks to issue non- callable depositsup to how many days?
35. Government stake in SBI as of December 2015?
36. What amount of cash shortage is deemed to be fraud?
37. Interest subvention for crop loans available up to?
38. Loans up to what amount covered under ISHUP?
39. Capital infusion planned by GOI under Indradhanush?
40. Maximum limit for referring bad loans for recovery to Lok Adalat?
41. NPA period time limit for invoking of CGTMSE claim?
42. What is the Maximum claim payable by CGTMSE for limits upto Rs.5.00 lacs?
43. What is the period within which the recovered amount to be repaid by the Credit Institution
1
to CGTMSE?
44. Loan for purchase of medical equipment?
45. Full form of LIBOR?
46. All loans up to Rs.10 lac covered under which scheme?
47. Minimum capital required for Payment & Small banks?
48. CGTMSE is applicable to _____.
49. How enhancement in limit is reported to CGTMSE for coverage under their guarantee?
50. What is the loan limit under TARUN?
51. Classification of Rural area?
52. Headquarters of World Bank?
53. What is Currency Swap Agreement?
54. Which bank formed Japan desk?
55. Which organization formed Neev fund?
56. FMC is merged with which regulator?
57. What is a Brown Field Project?
58. What is the period of tax holiday announced for Start-ups?
59. Repayment period for NRI Car loan?
60. EMI/NMI of Combo loan?
61. Limit of Loyalty car loan?
62. NAI for Certified car loan?
63. Maximum amount of currency to be held by SWO overnight?
64. Maximum cash deposit by a third party into a customer’s a/c in BC channel in rural area
is______
65. How many vehicles in Fleet finance scheme?
66. Age of first borrower in case of Reverse Mortgage Loan?
67. Reverse Mortgage loan given up to what % of property?
68. What is the grace period under e-DFS?
69. Housing loan deviation in interest & repayment given by whom?
70. When would BASEL III be implemented?
71. Bank Board Bureau will start operations from when?
72. Which one does not come under BASEL II?
73. Maximum repayment in case of Broiler Plus?
74. Cheque passed by 2 officers up to what amount?
75. The bank involved in Garnishee order is called _____.
76. Maximum amount in case of Smart Payout Card?
77. MBS limit under secured mode and USSD?
78. Maximum pension amount in Atal Pension Yojana?
79. ATM mini statement shows how many transactions?
80. No collateral is insisted for PML up to Rs.____ it the loan is given against WHR.
81. Maximum repayment in case of Personal Gold loan?
82. Inflation target given by RBI?
83. Maximum finance in case of SHGs?
84. Validity of SHG cards?
85. KGC is not given for?
86. DCB register is balanced on?
87. Period of RBI’s financial year?
2
88. Chairman of Bank Board Bureau?
89. Central Bank of America is known as?
90. What effect will devaluation of Chinese currency will have on Indian currency?
91. What is the maximum loan under revised GCC?
92. Full form of MUDRA
93. Full form of CVV
94. Minimum limit for declaring wilful defaulter to RBI is_____
95. Periodicity of report regarding wilful defaulters to RBI?
96. What is the maximum number of members in SHGs?
97. Sub-standard account with unsecured exposure attracts ____% provision
98. Expand CORE
99. SBI MMID (Mobile Money Identification Number) starts with
100. When a customer is having BSBD account can he open another SB account?
101. SLR securities can be used up to what percentage of LCR?
102. SBI has opened ________ centre for start up
103. Car loan take over is permitted if the vehicle is not more than _________ years old.
104. The charges registered with CERSAI is covered under which Act?
105. What is the maximum amount reckoned for priority sector lending under Home loan in
Metro?
106. Branch can make payment of deceased account claim up to Rs._____ without surety.
107. In APY, contribution for monthly pension of Rs.5000/- if the age of entry is 40 is _____.
108. MAB is regulated by
109. Credit report from CIBIL and Equifax has to be obtained for which segment?
110. The validity of sanction of home loan is________
111. SBI has tied up with _______ for marketing home loan.
112. Under Basel II, which risk is not covered?
113. Maximum amount of foreign currency and T.C a resident can possess is_____
114. Loan to govt. agencies for share clearance up to _________ lacs will be taken under priority
sector lending
115. Capital work in progress is classified under______ asset.
116. Trust account is classified as_______- risk
117. In car loan what is the maximum score to get clear sanction?
118. What is the maximum repayment period under liquid gold loan scheme?
119. What is the maximum amount of gold loan?
120. Under MSMED Act what is the definition of Micro enterprise?
121. Maximum period for deposit for Girl child is _____
122. Yellow section of dropbox is meant for deposit of _________ instruments for clearing
123. Suspicious transaction report to be submitted to
124. What is the maximum penalty that can be levied to CPIO under RTI Act?
125. Integrated Forex Module is a combination of_____________
126. In a deceased account settlement, whether the person who has signed the letter of disclaimer
can sign in the place of surety?
127. Chairman of Bankruptcy Law Reforms committee:
128. Which state is the first digital state?
129. New issue of Gold coin by IGC contains the symbol of ________ and ______
130. What is PAHAL?
3
131. Recently India signed currency swap agreement with which country?
132. EMI/NMI required for
133. SHG Gold card validity period is_________-
134. Which is the Nodal agency for providing venture capital assistance to SC Category?
135. What is Dynamic Currency conversion?
136. As per SBI, Collateral Free loan can be given up to ____to be covered under CGTMSE
137. Maximum number of HTL that can be given to a borrower?
138. 2 CICs report to be taken for HTL. What are those two CICs?
139. Maximum loan under School Plus Scheme?
140. If working capital limit remains unutilised for____ months, it will get cancelled.
141. Priority sector target for weaker section is ________
142. Reward amount under staff suggestion scheme if it is accepted ________.
Answer to Objective questions
1. Rs. 2 lacs (Rs.5 lacs under Pehla Kadam).

2. Minors above the age of 10 and who can sign uniformly.
3. Built-in Authorization key
4. 10%
5. Indian Contract Act 1872
6. Negotiable Instruments Act 1881
7. Transfer of Property Act 1882
8. 25%(PB Segment; merged with loan Against Property Scheme. Rent Plus Scheme under
SME segment discontinued)
9. Vital Information Resources Under Siege
10. Minimum Alternate Tax
11. Food Safety and Standards Authority of India
12. ATM Switch Centre
13. Unique Transaction Reference
14. Negotiable Instruments Act 1881
15. Indian Contract Act 1872
16. Civil Procedure Code (CPC) 1908
17. ATM cash belongs to the Branch loading the cash and is part of Branch Cash balance.
18. Debit cards
19. Rs.1 lac
20. Rs.1 lac
21. Not required
22. Rs.10 lacs & Rs.10 lacs-irrespective of limit sanctioned.
23. National Payments Corporation of India
24. Rs.20 lakhs (with tangible collateral Rs.30 lakhs).
25. Rs.3 lakhs(Since withdrawn)
26. 22 Characters
27. Davos, Switzerland
28. Dr. Urjit R. Patel-He has now become Governor of RBI.
4
29. 20.50%
30. Half yearly during 2nd and 4th quarter of financial year.
31. Rs.100 crore and above
32. External Credit Rating be carried out for credit limits above Rs.10 crores by any one of the
RBI approved external credit rating agencies.
33. External Credit Rating is valid until the rated debt obligation is fully paid.
34. The period of non-callable deposits is between 1 year and 2 years’.
35. 60.18%
36. RBI: Cases of cash shortage of more than Rs.10,000/-, (including at ATMs) and cases of
cash shortage more than Rs.5,000/- if detected by management / auditor/ inspecting officer
and not reported on the day of occurrence by the persons handling cash will be treated
as fraud.
37. Rs.3 lacs
38. Scheme since withdrawn
39. Rs.70,000 crore in four years.
40. Rs 20 lakhs.
41. Maximum one year from date of account becoming NPA
42. 85% of the amount in default subject to a maximam of Rs.4.25 lacs.
43. Every amount recovered and due to be paid to the Trust shall be paid without delay, and
if any amount due to the Trust remains unpaid beyond a period of 30 days from the date
on which it was first recovered, interest shall be payable to the Trust by the lending
institution at 4% above Bank Rate for the period for which payment remains outstanding
after the expiry of the said period of 30 days.
44. Loan for purchase of Medical equipment in tie up with Siemens; Individuals: Rs.5 crore
and Corporates Rs.10 crore.
45. London Interbank Offered Rate
46. Pradhan Mantri MUDRA Yojana (PMMY)
47. Rs.100 crore
48. New and existing Micro and Small Enterprises engaged in manufacturing or service
activity as defined in MSMED Act 2006.
49. In enhancement cases, Guarantee Fee is calculated on pro-rata basis. Banks can log on to
the website-member page, using member ID allotted and generate the reports.
50. Tarun Loan Limit > Rs.5 lacs to Rs.10 lacs
51. Population less than 10,000 (As per RBI)
52. Washington, D.C., United States
53. It is a contract where one party exchanges the risk faced by him in one currency with
another party in another currency; directly or through a banker.
54. SBI; The Japan Desk will help establish banking relationships with Japanese
corporations and individuals, as well as provide information on various industries and
sectors.
55. DFID (UK) and SBICAP Ventures Limited jointly.
56. The Securities and Exchange Board of India (SEBI)
57. It refers to starting a project based on prior work or to rebuild (engineer) a product from
an existing one.
58. Three-years.
59. 5 years (can opt. for shorter period also).
5
60. EMI/NMI 50% up to Rs.10 lakhs; 60% for above Rs.10 lakhs.
61. i) 75% of M.V of the house property less outstanding in H.L a/c and Home Equity a/c.
ii) Min NAI Rs.2 lacs.
62. Min NAI Rs.2 lacs
63. Rs.1 lac.
64. Rs.10000/-
65. Min Vehicles to be owned 10.
Min no. of Vehicles to be financed: 10
Hence 20 Vehicles minimum.
66. Above 60 years
67. 90% of the value of the property.
68. Normally the Period of Advance for e-DFS is 10-days and the Grace period is 5-days.
69. Interest deviations-CGM of the circle; repayment as per scheme by the sanctioning
authority
70. Basel III is being implemented from 01.04.2013 and capital ratios will be fully
implemented by 31.03.2019.
71. 1st April 2016
72. Liquidity risk
73. Repayment: Max 5 years, inclusive of a grace period of 6 month
74. Rs. 1.00 cr and above
75. Garnishee
76. The re-load limit is Rs.10,000/-; monthly cap. Rs.25000/-.
77. Normal : There is a daily limit of Rs.50, 000 for the aggregate of funds transfer/ Bill
payments within an overall calendar month limit of Rs.2,50,000.00
USSD: There is a daily limit of Rs.1, 000 for the aggregate of funds transfer/ Mobile Top
up with a calendar month limit of Rs.5, 000 per user.
78. Rs.5000 p.m.
79. Last 10 transactions
80. Rs.10 lakhs.
81. Personal Gold Loan repayment tenure is 30 months
82. 5% by March 2017
83. It is four times the savings corpus, maximum loan per SHG member should not exceed
Rs.50,000/-.
84. 3 years.
85. Tractor purchase, Land purchase and construction of farm house.
86. At the end of June every year.
87. 1st July to 30th June
88. Vinod Rai; former CAG.
89. Federal Reserve System.
90. India's trade deficit with China will increase; Chinese exports will become cheaper; Indian
exports will be affected in some sectors of goods.
91. Rs.5.00 lacs
92. The Micro Units Development and Refinance Agency
93. Card Verification Value
94. Rs.25.00 Lacs
95. Quarterly
6
96. 20
97. 25% (additional 10%)
98. Centralised Online Realtime Environment
99. The first four digits are the unique identification number of the Bank offering IMPS.
100. Yes (existing account if any to be closed within 30 days)
101. 10% of NDTL
102. InCube
103. Two
104. SARFAESI Act
105. Rs.28.00 lacs with the cost of dwelling unit not exceeding Rs.35.00 lacs
106. Rs.5.00 lacs
107. Rs.1,454/-
108. RBI
109. ‘Per Segment’
110. 6 months
111. Bank Bazaar.com can and SBI Cap Securities Ltd.
112. Liquidity risk
113. US $ 2000/-
114. Qn. Not clear
115. Fixed
116. High
117. 60 and above
118. 36 Months
119. Rs.20.00 lacs
120. i) Micro (Manufacturing) enterprise: engaged in manufacture, processing or preservation
of goods and investment in plant and machinery at original cost
not exceeding Rs.25.00 lacs.
ii) Micro (Service) Enterprise: Engaged in providing services and the investment in
equipment not exceeding Rs.10.00 lacs
121. 21 years.
122. Outstation
123. FIU_Ind
124. Rs.250/- per day- maximum of Rs.25000/-; disciplinary action can also be
recommended against CPIO
125. Domestic Treasury and Forex Treasury
126. NO
127. Dr.T.K Viswanathan, Former Law Secretary
128. Kerala
129. Ashok Chakra, Mahatma Gandhi.
130. Pratyaksh HANSTANTARIT LABH (Direct Benefit transfer of LPG subsidy).
131. UAE
132. Home Loan, Car Loan and Stree Shakti Tractor loan(SSTL)
133. 3 Years.
134. IFCI
135. When payment is made by a credit card holder in a foreign country the amount of the
transaction is converted to his home currency at the point of sale.
7
136. Rs.50.00 lacs
137. 2 (Up to 5 including 3 under CRE home loans).
138. i) CIBIL, ii) Equifax Credit Information Services pvt Ltd. (SBI)
139. No maximum
140. 3
141. 10% of ANBC or credit equivalent amount of off Balance sheet exposure whichever is
higher
142. A category – in the range of Rs.1000-3000/-
B category- in the range of Rs.10000-20000
Recollected Questions of SBI – Trainee Officers Exam held on 21.02.2016

1. What is e- Handshake?
2. On 2/10/2015, the Government of India has launched SGB. The abbreviation stands for____
3. What is i-probe?
4. The Suspicious Transaction Report (STR) has to be submitted within ------ days
5. The ATM Complaints have to be reported to the branch within ----- days
6. The IMPS was introduced by _______.
7. How may Virtual Cards can be issued at a time?
8. The Limit of the Virtual Card can be utilized ___ time in 48 hours.
9. The Government has launched a 7 point strategy in Corporate Governance for the PSBs.
What is the name of that program?
10. The income eligibility for the Combo Car Loan scheme is ______
11. The Pre-payment penalty applicable for Home loan is _____
12. The minimum Loan amount that can be sanctioned as OD Facility under Xpress Credit Loan
is ______
13. The Maximum age limit under Pensioners Loan is ______.
14. The Face Value of the bank’s share is ______.
15. The Retention of Records as per PMLA Guidelines should be minimum___ years
16. The Customer Acceptance Policy comes under ______ Policy
17. The frequency of credits in a month for the SBI flexi deposit scheme is ______-.
18. The Minimum quantity that can be accepted under the Gold Deposit Scheme is ____.
19. The expansion of UCIC is_____.
20. What is Straight Thru Processing (STP) in RINB?
21. The GRC Card is used for the purpose of ______.
22. The Maximum Limit of SB e Buddy in a month is ______.
23. In order to inculcate the savings habit, the Monthly Limit of IMPS is enhanced from
Rs.10,000 to _______ in BC Enabled Accounts.
24. The Maximum amount that can be transferred in a day through IMPS is _____.
25. Recently, a conference was held called UNFCCC. What is it?
26. Find out the Physical Asset? a) Gold Bond b) Debentures c) Shares d) Gold Jewellery
27. The maximum number of co-borrowers of Home Loan is restricted to ____.
28. The Obtention of KYC Documents for Low/Medium/High Risk customers should be __
8
years respectively..
29. The following document can be accepted both as Address and Identification Proof?
a) Passport b) Driving License c) Voter Id d) Photo Stamped Bank Passbook
30. The stock statements should be fed in the ___________ Menu of CBS.
31. The Letter of Credit should be enabled in ____________ Menu of CBS.
32. The Maximum hold period for Capgains Plus account is _____ Months.
33. The Strategic Training Unit (STU) is headed by ________
34. The Knowledge Commission is headed by ______.
35. To protect computer appliances and electrical wiring, the kind of fire extinguisher used is:
a) Carbon Dioxide fire extinguisher
b) Dry chemicals fire extinguisher
c) Power based fire extinguisher
d) a & b
36. The abbreviation MIBOR stands for ________
37. The per day limit of Card to Card Transfer facility is ______.
38. In Pre-owned Car Loan, if the age of the car is 5 years old, what will be the repayment
period?
39. The minimum number of employees to open a Corporate Salary Package Account is ______.
40. The Group Payment is meant for
a) State bank and its Subsidiary b) Intra Bank Transfer
c) Inter Bank Transfer d) Within State Bank
41. What is Merchant Discount Rate (MDR) in the POS?
42. The 'On-Us” Transaction in POS is
43. Which is the financial intermediary?
a) NBFC b) IRDA c) Goods Manufacturing Company d) SEBI
44. The purpose of IBTS is ______.
45. The trading account is given to
a) Demat A/c
b) current account/Savings Bank Account
c) Online Trading Account with SBI Cap Securities d) All of these
46. What is Swayam?
47. The maximum loan sanctioned for NRI Car loan is ____.
48. The Pre-printed Kits contains _______.
49. The deposit insurance for the bank deposits is provided by ______.
50. Which among the following is not a Regulator? a) SEBI b) AMFI c) IRDAI d) PFRDA
51. The fugitive ink test should be done for the cheques above the value of Rs._____
52. Mr. X, who is a prestigious senior citizen, is having a OD Facility for Rs.2,00,000 and wants
to enhance it to Rs.2,50,000; he approached the Branch Manager. The BM has filled up all the
particulars in the respective form and directed the customer to meet the Accountant. The
Accountant didn't even look up the form and harshly asked the customer to wait in the hall, as he
is having lot of work to do. The customer asked the Accountant to treat him politely. The
accountant got irritated and shouted at the customer using abusive words. The BM came to the
Accountant’s seat and took the customer to his cabin; he apologised to the customer for the
behavior of the Accountant. Then the BM allotted the job to some other staff to complete it.
i) What action should be taken by the BM against the Accountant?
a) There is no point of taking action against the Accountant
b) Let the BM wait for the things which will get normal in due course of time
c) The BM should warn the Accountant immediately in that situation itself.
d) The BM should personally call the Accountant and advise him to behave well with the
customer. Also, if it is not the first incident of bad behavior by the Accountant, the
controller should be advised.
9
ii) What are the actions to be taken in general by the Branch Manager?
a) The Manager should conduct a Customer Service Committee Meeting in a proper
manner and implement the things accordingly.
b) The BM should note the deficiency in customer service.
c) The BM should analyze the existing situation and it should be improved, wherever
required.
d) All of these
iii) The above incident will affect.
a) The customer service of the branch
b) The business of the branch; even the reputation of the bank will get affected.
c) all of the above
iv) The BM should deal with
a) The Accountant and he should be immediately punished
b) Customer apathy and the abusive words
c) There is no need of taking any of the actions
53. Mr. Ashish who has been maintaining a current account with the transaction of Rs. 100 lakhs
requested the BM to sanction Rs. 400 lakhs as OD based on the collateral. The BM was inclined to
give the loan and advised the customer to provide the documents pertaining to the collateral to the
panel advocate. The panel advocate has given a TIR to the BM through the customer himself. The
loan got sanctioned. The BM and FO did not visit the site in person. Within one year of sanction,
the account has become NPA. When the bank initiated the SARFAESI Action, the property is
mortgaged with another bank for another loan. The lapses observed are
a) Negligence in complying with Bank formalities is sanction of the loan.
b) The TIR should be obtained from 2 panel advocates
c) The registration of CERSAI is mandatory
d) All of the above
54. Mr. Gupta is maintaining a Savings Bank account with the average balance of Rs.1,50,000. He also
maintains a STDR Account for Rs.2,50,000 with his wife Mrs. Gupta in the E or S Mode.
Additionally he is also maintaining a STDR Account for Rs.2,00,000 with his Son in Former or
Survivor mode. He also opened an e-TDR Account for Rs.75,000 where he did premature closure
of account, and a TDS amount of Rs.1,132 was deducted. He also wants to open a sole operating
account for his Daughter Swathi, whose age is 14. He also wants to open a separate TDR account in
the name of her daughter, with the guardianship of his wife.
i) He wants to pre-close the account which is maintained with his wife?
a) He alone can sign the document
b) Both Mr. Gupta & Mrs. Gupta have to sign for the pre-closure
c) We cannot pre-close the deposit
d) Either a or b
ii) The deducted TDS Amount can be
a) refunded from debiting the suspense account
b) obtain Form 15 G
c) obtain Form 15 H
d) TDS Certificate has to be given to the customer; he has to claim refund from the IT
Dept.
iii) He wants to pre-close the account which is maintained with his son?
a) He alone can sign the document
b) Both of Mr. Gupta & his son has to sign for the pre-closure
c) We cannot pre-close the deposit
d) Either a or b
iv) The deposit account can be opened for his daughter in the mode of
a) The deposit account can be opened in the individual name of his daughter (subject to
10
cap on balance)
b) the deposit account can be opened in the name of his daughter and her mother can be
made as Natural Guardian.
c) the deposit account can be opened in the name of his daughter and Mr. Gupta
v) The savings account can be opened for Ms. Swathi
a) Individual account can be opened for Ms. Swathi herself (subject to cap on balance)
b) Account can be opened without withdrawal facility
c) Account can be only opened with Guardianship facility
55. Mr. Parasuram was maintaining a SB Account with Chennai Chromepet Branch. He deposited 3
cheques on 12/02/2015 at 11.30 PM. One cheque given by Executive Engineer, TWAD Board for
Rs.75,000, Axis Bank. Second cheque given by Mr. Ganesh, HDFC Account, Mumbai Branch for
Rs.1,00,000. Third Cheque given by Mrs. Parasuram for 50,000, SBI, Delhi Main branch. Mr.
Parasuram wants to withdraw money of Rs.75,000 on 14/02/2015 urgently.
i) Can Parasuram be helped by the BM?
a) BM can sanction overdraft facility by getting personal guarantee of anyone.
b) BM can sanction overdraft facility for Rs.30,000 within his power.
c) BM cannot help him.
d) The amount is decided by the Branch Manager himself.
ii) The Government cheque should be

a) Done through CTS
b) Sent to CCPC, Chennai for realization from the Axis Bank.
c) Cheque can be sent to Treasury Branch of HDFC Bank
iii) The cheque of Mrs. Parasuram can be processed.
a) Being a non-home cheque it can be debited directly to Mrs. Parasuram Account
b) It can be processed through CCPC, Chennai
c) Cheque can be sent through post to CCPC, New Delhi
iv) The HDFC Cheque can be processed
a) Through CTS
b) By sending truncated cheque to CCPC, Chennai
c) it can be encashed in any of the branches of HDFC over the counter
56. Which of the following rates are reviewed by RBI periodically?

a) Base Rate b) Penal Rate c) Repo Rate d) None of these
57. Vehicle financed: Charge over it is pledge, mortgage, hypothecation, lien.
58. Which section under PMLA stipulates maintenance of customer records?
sec12, sec11, sec10, sec15 none
59. Chairperson of competition commission of India –Raghunandan, Ashish Bahuguna,
JS Verma, Narayan murthy, Devender Kumar Sikri
60. Which is not a financial intermediary? Investment bank, pension fund, firms manu
facturing goods, insurance co, mutual funds
61. .____banks are not authorized to grant loans –co-op banks, small finance banks,
regional rural banks, payment banks, PSBs.
62. Monitoring to be done on cash transactions exceeding: Rs.1 lac, Rs.5 lac, Rs.10 lac,
Rs.20 lac, none
63. High risk customer is defined under____
64. Who introduced RUPAY Card? – HDFC,SBI,NPCI,SBI with GE, RBI
65. In order to claim subvention, effective interest rate applied to farmers account is -4%,
9%, 7%, 5%.
66. wef 8/4/15, all loans up to Rs.10 lac under manufacturing, trading and service
classified under-tarun,kishore,shishu,mudra
11
67. SHG formed by which committee recommendation?
68. e-Z card Validity?
69. Customer is defined in ____ guidelines of RBI.
70. Customer day observed on
71. High risk category customer is to be categorized under which Act?
72. Director appointed recently on 31st march 2015 under section 19(f) of SBI Act?
73. Initiative announced by GOI for cleaning up banks and for recapitalization?
74. Which bonds launched on 2 October, 2015?
75. mCash Daily limit?
76. Period of deputation of an officer for Youth foundation programe?
77. Maximum amount for Virtual Card?
78. e - Z card is association with?
79. CRA should be updated in CBS through?
80. PAI for platinum card?
81. CDM: How many notes can be deposited at a time?
82. Tax savings deposit. Max for how many years?
83. land holdings for small farmer:
84. Car loan penal interest is ____.
85. Threshold limit of customer is given under?
86. What is audit trail?
87. CTS image contains
88. CGL Account that starts with 2148 ____
89. SBI e trade
90. MAB is regulated by ______
91. Imps monthly limit
92. Earnings per share (SBI)
93. SBI s & p rating
94. CGL 2348 is related to which head
95. Flexi deposit maximum deposit limit
96. SBI new participant company
Questions specific to State Bank of India:

97. The Business per Employee of the Bank in March 2016 is _____.
98. The Profit Per Employee of the bank in March 2016 is _______.
99. The CD Ratio of bank on September 2016 is ______.
100. The Net NPA Ratio of Bank in September 2016 is _____.
101. The CASA Ratio of bank in September 2016 is _______.
102. The Provision Coverage Ratio (PCR) of the bank in September 2016 is ________.
103. The Tier 1 Capital of Bank in September 2016 is _______.
Answers:
1. Integration of the website of the merchant (a Govt body / Corporate / Institution /
Aggregator) with our INB/MBS etc.
2. Sovereign Gold Bond
3. It is a tool used to find out whether the prospective borrower has any connection with the Bank
and
the status of accounts etc.
4. Within 7 days of confirmation that any transaction, whether cash or non-
12
cash, or a series of transactions integrally connected are of suspicious nature.
5. Effective from July 1, 2011, banks have to pay compensation of Rs. 100/- per day
for delays in re-crediting the amount beyond 7 working days from the date of receipt of complaint
for failed ATM transactions. The compensation has to be credited to the account of the customer
without any claim being made by the customer. If the complaint is not lodged within 30 days of
transaction, the complaint will not be entertained
6. NPCI
7. One can create any number of Cards subject to sufficient balance in the underlying
account and with a maximum limit of Rs. 50,000/- per Card. However at any time only one
virtual
card can exist. So a new card can be generated only after the expiry of the earlier card.
8. One
9. Indradanush
10. NAI for salaried persons is Rs.250000, for Professional, self-employed, proprietary/Partnershi
firms who is an I. T assesse is Rs 4,00,000/-
11. Nil
12. Rs. 5 lacs
13. For Sanction 76 years; For Repayment 78 years
14. Re.1/-
15. 5 years for transaction related records and 5 years from the date of cessation of relationship for
KYC
related Documents
16. KYC
17. Any No. of times
18. 30 grams
19. Unique Customer Identification Code
20. In RINB, the entire processing is conducted electronically without the need
for rekeying or manual intervention.
21. Remittance through non-home branch.
22. Monthly limit Rs.20,000/- (Max balance at any time Rs.10,000/-)
23. Varies from Bank to Bank
24. Rs.50,000/-
25. U N Frame work for climate change conference held at Paris.
26. d
27. 3
28. 10 / 8 / 2
29. a
30. DL/TL Module
31. Contingent A/c module
32. 36
33. CGM
34. Set up as National Knowledge Commission by GOI in 2005; headed by Sri Sam Pitroda.
35. d
36. Mumbai Inter Bank Offer Rate
37. Rs.40,000 per transaction
38. 2 years
39. 25
40. a
41. It is the commission charged by acquirer to the merchant
42. Where issuer and acquirer is same
43. a
13
44. To put through inter branch transaction
45. d
46. Bar code based passbook printing Kiosk
47. No ceiling for new car (18 times NMI or 1.5 times NAI)
48. Username and password for first login for online banking.
49. The Deposit Insurance and Credit Guarantee Corporation
50. b
51. 25,000
52. i) d, ii) d, iii) c, iv) b
53. d
54. i) a, ii) d, iii) a, iv) a, v) a
55. i) b, ii) b, iii) a, iv) b
56. Repo Rate
57. Hypothecation
58. Section 12
59. Devender Kumar Sikri
60. Firms manufacturing goods
61. Payment banks
62. Rs.10 lacs
63. KYC norms
64. NPCI
65. 7%
66. Mudra
67. Kalia
68. 10 years
69. KYC
70. 15 th & 25th of every month
71. KYC norms
72. Dr Urjit Patel
73. Indradanush
74. Sovereign Gold Bonds
75. SBI : Rs.5000 per day; Rs.25000 Per Month
76. 12 months
77. Rs.50000
78. Visa International
79. Customer management module.
80. Rs.5 lacs
81. Up to 200 notes in a single transaction
82. 10 years
83. Up to 5 acres of dry land or 2.5 acres of wet land
84. Penal interest @2% on the overdue amount for the period of default.
85. KYC norms
86. Paper or ‘electronic’ trail that gives a step by step documented history of a transaction, it enables
an examiner to trace the financial data from general ledger to the source document (invoice,
receipt, voucher, etc.). The presence of a reliable and easy to follow audit trail is an indicator of
good internal controls instituted by a firm, and forms the basis of objectivity.
87. Void Pantograph
88. BGL ACS
89. It is the front – end interface (internet based) for issuing LC/BG and for bill transactions, for use
of customers.
90. RBI
14
91. Rs.2,50,000 p.m if date is fully encrypted/protected.
92. 17.55 (31.03.2015)
93. BBB – /A3/ stable
94. Systems Suspense Account – Credit Entries
95. Rs. 50,000/- in a financial year
96. Qn Not clear
97. Rs.16.57 cr
98. Rs.5.01 lakhs
99. 83.51%
100. 4.19%
101. 42.74%
102. 62.12%
103. 10.41%
15
ORGANISATION OF BUSINESS
National Banking Group (NBG)

NBG Branches would normally handle all Retail loans including i) All Personal Segment, e.g. Housing Loans,
Auto Loans etc. ii) Agricultural loans under Rural Business Unit and iii) proposals pertaining to SME
segment upto Rs.50 crores. At centres, where MCG Branch is not present, NBG branches can handle limits
above Rs.50 crores also.
Mid Corporate Group (MCG)

MCG Branches shall normally handle proposals for exposures of above Rs.50 crores and up to Rs.500
crores.
Corporate Accounts Group (CAG)

CAG Branches shall normally handle proposals for exposures above Rs.500 crores.
Advances against Bank's own shares - In terms of Section 20(1) of the Banking Regulation Act, 1949, the
Bank cannot grant any loans and advances on the security of its own shares. (Results in virtual capital
reduction)
Restrictions on Holding Shares in Companies: While granting loans and advances against shares, statutory
provisions contained in Sections 19(2) and 19(3) of the Banking Regulation Act, 1949 must be strictly
observed. The Bank shall not hold shares in any company, whether as pledgee, mortgagee or absolute
owner, of an amount exceeding thirty per cent of the paid-up share capital of that company or thirty per
cent of its own paid-up share capital and reserves, whichever is less.
Advances against shares to Individuals and other than individuals- Loans against security of shares,
convertible bonds, convertible debentures and units of equity oriented mutual funds to individuals from
the banking system should not exceed the limit of Rs.10 lacs per individual if the securities are held in
physical form, and Rs. 20 lacs per individual if the securities are held in dematerialized form.
TAKEOVER OF ADVANCES (OTHER THAN AGRI SEGMENT)

Rating criterion
i) For exposure from Rs. 25 lacs and above to less than Rs. 10 crores: CRA of the borrower should be SB-
7 or better. [obtaining ECR is made mandatory for exposures of Rs.10 crores and above].
• In all cases of Takeover, branches should ensure completion of proper documentation and other
formalities within a period not exceeding 90 days or as approved by the Sanctioning Authority, to
protect the interests of the Bank.
• Audited Balance Sheet (ABS) should not be older than 12 months. If ABS is older than 9 months,
provisional financials not older than 6 months are to be obtained and analysed so as to be satisfied
that the activity level and profitability, liquidity and solvency ratios are broadly in alignment with the
estimates / projections.
• Ideally, only such accounts should be targeted for Takeover where the unit is in commercial
operations for at least two years (one year in case of Infrastructure projects) and no major green
field / brown field project is under implementation.
• Stock and Receivables Audit is to be conducted prior to disbursement of any credit facilities above
Rs.5.00 crores except for units having ECR of “A-” and better.
• Increase in exposure should not exceed 30% (where total taken over exposure is upto Rs.1.00 crore)
and 15% or Rs.30 lacs whichever is higher (where total taken over exposure is above Rs.1.00 crore) of
the initial amount taken over from other banks, within 12 months from the date of initial sanction of
take over. This would need to be discussed and clarified to the prospective borrowers at the time of
negotiation for Takeover itself.
TAKEOVER OF ADVANCES (FOR AGRI SEGMENT)

In respect of Agriculture segment, all agricultural Term loans and agricultural cash credits with other banks
and Agricultural Credit Societies, Co-operatives are eligible for takeover, subject to the fulfillment of the
following terms and conditions of Take over -
ii) The maximum amount eligible for takeover would be Rs.2 crores. However, administrative clearance
should be obtained from ZCC for loans above Rs.2 crores to Rs.5 crores and from CCC-II for loans above
Rs.5 crores.
iii) No prior administrative clearance is required for takeover of agricultural loan. The reasons for takeover
of account are to be discussed in the proposal based on which the Sanctioning Authority will take a
informed decision.
iv) No dilution in the security in takeover proposals is permitted.
v) Only Standard Assets and regular accounts are eligible for takeover. The account should have been a
standard account in the books of the other banks/Financial Institution (FI) during the preceding 2 years.
vi) The term loans of incomplete nature are not eligible for takeover.
vii) ATLs with a minimum 2 years repayment program left are only eligible.
viii) Advances to borrowers falling outside the ‘Service Area’ of the branch are also permitted for takeover,
subject to adherence of the other instructions.
ix) Crop loans converted to Term Loans and Term Loans, which are re-phased, are not eligible for takeover
irrespective of their quantum.
x) Additional norms for takeover of Agriculture Loans of Rs.25 lacs and above:-
i) The advances to be taken over should be rated SB-7 or better (the unit should score at least 60% in
the financial parameters). ii) The unit should have earned net profits post tax in each of the
immediately preceding 2 years.
EXPOSURE NORMS AND CONCENTRATION OF CREDIT RISK
Definition of Exposure -Exposure shall include credit exposure and investment exposure. The sanctioned
limits or outstandings, whichever are higher, shall be reckoned for determining the exposure to an entity.
However, in the case of fully drawn term loans, where there is no scope for re-drawal of any portion of the
sanctioned limit, the outstanding shall be reckoned as the exposure.
Credit Exposure
i) All types of funded and non-funded credit limits,
ii) Credit Exposure on account of derivative products using credit conversion factor;
iii) Facilities extended by way of equipment leasing, hire purchase finance and factoring services.
Investment exposure
i) Investments in shares and debentures of companies
ii) Investments in PSU bonds
iii) Investments in Commercial Papers and similar commitments.
EXPOSURE NORMS
EXPOSURE ON SINGLE / BORROWER GROUP
$ Non-corporates will include Partnerships, Trusts, JHFs and Associations.

# Corporates will include Companies, Societies, Govt. Departments, Institutions and Statutory
Corporations and Limited Liability Partnerships (LLP).
Capital Market Exposure- The Bank’s aggregate exposure to the capital markets shall not exceed 40% of its
net-worth as on March 31 of the previous year.
Exposure to Factoring Services -Exposure under this activity should be restricted to within 10 per cent of
the Bank’s total advances as at the close of the immediately preceding financial year.
Performance and Financial analysis -The quantitative parameters underpinning the Bank's credit appraisal
and the levels that are desired are as under:
i) Applicable to Manufacturing segment
ii) Applicable to Trade and Services segment
• Hurdle rate SB-10 has been prescribed under internal risk rating model for considering new
connection or enhancement in credit limits. In case account is having CRA SB-11 and worse, then
necessary approval is to be obtained from the competent authority.
Internal Credit Rating - Credit Risk Assessment (CRA) - For each credit proposal, a credit rating is assigned
using the internal credit rating system. The Bank as of now has a unified CRA System, which is used for
assessing the credit risk of borrowers as well as facilities (facility rating applicable for exposures beyond
Rs.5 crores) viz., working capital, term loan and non-fund based exposures etc., to C&I, SME and AGL
segments for total exposure of Rs.50 lacs and above.
Bank has been developing scoring models for all products with exposure of less than Rs.50 lacs. Wherever
scoring models are not in place, CRA has to be carried out for exposures from Rs.25 lacs and above, as
hitherto. Based on the CRA score, risk rating (SB-1 to SB-16) is awarded to the entity. The SB-16 rating is
assigned to NPA accounts by default.
Minimum scores / Hurdle rates of CRA - The CRA models adopted by the Bank take into account the
various risks categorized broadly into financial, business, industry and management risks as well as the
environmental, demographic and governance aspects of borrowing entities. These risks are rated
separately. Currently, no new connections or enhancements in credit limits are to be considered in respect
of accounts rated worse than SB-10 (i.e. SB-11 and worse), subject to exceptions like availability of Central
Govt. guarantee and / or availability of a Corporate guarantee of parent / Group Company which should
have a CRA rating of SB-9 and better. The actual models used, the minimum scores under each head, the
hurdle rates, etc. are reviewed at regular intervals.
Review of CRA - CRA of borrowal units is required to be reviewed periodically. For units which are assigned
CRA rating upto SB-10, CRA is to be reviewed annually. For units having CRA SB-11 and worse, the CRA
shall be reviewed at half-yearly intervals.
External Credit Rating (ECR) Besides, the internal risk rating (CRA), it is mandatory to obtain External
Credit Rating (ECR) of borrower for all exposures of Rs.10 crores and above from any one of the accredited
ECRAs. However, product specific schemes (e.g. Lease Rental Discounting Scheme, Asset Backed Loan, e-
VFS etc. or any other product where obtention of ECR is waived. The ECR is also to be incorporated in the
proposal. At present there are six (6) ECR Agencies namely CARE, CRISIL, India Ratings and Research Private
Limited (India Ratings), ICRA, Brickwork and SMERA are accredited by RBI for the purpose of risk weighting
the Bank’s claim for computation of Capital adequacy. Any waiver for non-obtention of ECR is to be
approved by the sanctioning authority. In case of ECCB sanction, such waiver is to be sought from CCCC.
Credit Risk Assessment Model for Inter Bank Exposures - As per RBI guidelines, Bank uses a separate
rating model “BERI” to assess the credit risk associated with lending to banks.
Methods of Assessment of Credit Facility (ies) - The assessment of working capital is done through:
a) Turnover Method - This method is applicable for sanction of fund based working capital limit of up to
Rs.5 crore.
b) Projected Balance Sheet Method (PBS)- For fund based working capital (WC) finance of above Rs 5
crores.
c) Cash Budget Method - Cash Budget method is used for assessing working capital finance for seasonal
industries like sugar, tea and construction activity. This method is also used for sanction of ad-hoc WC
limits.
*The working capital facilities and Term Loans sanctioned but not availed within a period of six months
from the date of sanction would lapse, and require revalidation.
*BGs will generally be issued / renewed for a period not exceeding 18 months at any one instance. For
longer periods, authority structure for according administrative clearance is in place. Should a BG
originally issued for a lesser period require extension beyond 18 months, administrative clearance
therefor will also be necessary. No BG should normally have a maturity of more than ten years. Bank
may consider issuing BGs beyond maturity of 10 years only against 100% cash margin and with prior
approval of the competent authority specified in this regard.
*The maturity of any term loan, including moratorium, should not normally exceed 10 years, except
cases under CDR mechanism / Rehabilitation / Core Industry / Infrastructure / Renewable Energy
Projects / Housing Term Loans (HTLs) to individuals, Education loans and Agricultural Term Loans under
approved schemes.
Syndication of Loans - The market for syndication of loans is active. When a corporate approaches the
Bank for funding its project and where the Bank may not meet the entire financial needs of the borrower,
the balance term loan / working capital finance would be syndicated. The Bank on its own, or jointly with
other State Bank Group companies would undertake the syndication.
Hunting Limits - A new approach comprising pre-approved lines of credit for booking quality business of
corporates rated AA & better, and preferably in the top quartile of their respective segment / line of
activity has been put in place. Delegation of financial powers for sanctioning credit facility under the
scheme is vested with WBCC-I & above.
SECURITY, INSURANCE, COVENANTS AND DOCUMENTS
Primary Security - Primary security is the asset created out of the credit facility extended to the borrower
and / or which are directly associated with the business / project of the borrower for which the credit
facility has been extended.
Collateral Security-Collateral security is any security, other than Primary Security, offered to additionally
secure the credit facilities sanctioned by the Bank. Collateral security is normally obtained as a risk
mitigating measure and to sustain the promoters’ interest in the venture.
*For MSE Sector (both Manufacturing and Services enterprises) no collateral security is to be obtained for
loans upto Rs.10 lacs, and for loans up to Rs.15 lacs the sanctioning authority may consider waiving
collateral security subject to compliance with certain conditions. For this sector, the Bank has decided to
cover all eligible SME advances upto Rs.200 lacs under CGTMSE scheme. The cost of guarantee cover upto
Rs.50 lacs for working capital limits is borne by the Bank . Working capital limits above Rs.50 lacs and upto
Rs.200 lacs are also to be covered under CGTMSE provided the borrower agrees to bear the guarantee fee.
The guarantee fee for term loans irrespective of loan amount is to be borne by the borrowers.
Insurance cover of security charged to the Bank-Stocks/fixed assets under hypothecation/pledge to the
Bank must be kept fully insured to the extent of market value of the security unless the Bank has agreed to
dispense with insurance. The cost of insurance will be borne by the borrower. The Insurance policies are
required to be obtained in the joint names of the Bank and the Borrower or in the sole name of the
Borrower if the policy contains the Agreed Bank Clause whereunder any monies becoming payable under
the policy shall be paid to the Bank. Further, in terms of the security documents executed by the borrower,
it is the primary responsibility of a borrower to insure the assets and keep the policy alive and only if the
borrowers fail to do so, the Bank shall insure the movables and assets and debit the charges and premium
to the account of the Borrower. The expiry date of the respective insurance policies must be diarized in the
daily list in order that their renewal, when necessary, may not be overlooked.
Unconditional Cancellability - Unconditional Cancellability clause, which gives the Bank the right to cancel
the sanctioned limit without reference to the borrower at any time, needs to be accepted by borrowers.
Early Sanction Review (ESR)-With a view to improving the quality of sourcing, pre-sanction process and
capturing at an early stage the critical risks in sanction, a system of quick review of sanctions has been put
in place. ESR is overseen by the Inspection and Management Audit Department, and covers review of all
loans above Rs.50 Lacs and upto and inclusive of Rs.5 crores. On similar lines, LRM (Loan Review
Mechanism), which is a regulatory requirement for review of loans of above Rs. 5 crore and above, within
a period of 3 months to 6 months from the date of sanction/ renewal, is also overseen by the Inspection
and Management Audit Department.
Credit Audit Covers all Credit Auditable Accounts (CAAs) (including LC Bill Discounting limits whether it is
on stand-alone basis or sanctioned as part of the existing limits) with total credit exposure (FB+NFB limits)
of Rs. 10 crores and above. The audit covers both Pre sanction processes like Appraisal, Assessment and
Sanction, and post sanction processes like Documentation, Follow-up, Monitoring and compliance with
terms of sanction.
Legal Audit - Legal Audithas been introduced for all exposures of Rs 5 crores and above, to verify the title
deeds and other loan documents.
Nominee Directors: 11.6.1 The Bank may appoint Nominee Directors on the boards of borrower
companies in the instances-
i) Where Bank’s credit exposure to the company exceeds Rs.500 crores, or
ii) Where Bank’s credit exposure exceeds Rs.50 crores and the account has become SMA/NPA, and/ or
iii) Where mismanagement or inefficient / recalcitrant management has been observed, and/or
iv) Available evidences indicate that the unit / management is functioning in a manner detrimental to the
interest of the Bank.
INCOME RECOGNITION, ASSET CLASSIFICATION AND NPA MANAGEMENT
Non Performing Assets: An asset becomes non-performing when it ceases to generate income.
An NPA is a loan or an advance where:

i) Term Loan: Interest and/or instalment of principal remain overdue for a period of more than 90 days.
ii) Overdraft/Cash Credit: Account remains 'out of order'- if the outstanding balance remains continuously
in excess of the sanctioned limit/drawing power for a period of 90 days or outstanding balance in the
principal operating account is less than the sanctioned limit/drawing power but there are no credits for 90
days as on the date of Balance Sheet or credits are not enough to cover the interest debited during the
same period.
iii) In case of bills purchased / discounted - the bill remains overdue (any amount is overdue to the Bank
when not paid on the due date) for a period of more than 90 days.
iv) AGRICULTURE - The instalment of principal or interest thereon remains overdue for two crop seasons
for short duration crops (Agriculture segment).
v) The instalment of principal or interest thereon remains overdue for one crop season for long duration
crops (Agriculture segment).
vi) The amount of liquidity facility remains outstanding for more than 90 days, in case of a securitisation
transaction undertaken.
vii) In case of derivative transactions the overdue receivables representing positive mark-to-market value
of a derivative contract, if these remain unpaid for a period of 90 days from the specified due date for
payment.
viii) In case of interest payments, an account should be classified as NPA only if the interest due and
charged during any quarter is not serviced fully within 90 days from the end of the quarter.
INCOME RECOGNITION POLICY - The income recognition policy is based on the record of recovery. Income
from NPAs is not recognized on accrual basis but is booked only when actually received. Therefore the
Bank shall not charge and take to income account interest on any NPA. This will apply to Government
guaranteed accounts also.
ASSET CLASSIFICATION - Asset classification shall be borrower-wise and not facility-wise.
Categories of NPAs: NPAs are to be classified into the following three categories based on the period for
which the asset has remained non-performing and the realisability of the dues:
Substandard Asset: An asset which has remained NPA for a period less than or equal to 12 months.
Doubtful Asset: An asset which has remained in the substandard category for a period of 12 months.
Loss Asset: A loss asset is one where loss has been identified by the Bank or internal or external auditors
or the RBI inspection team but the amount has not been written off wholly.
Accounts where there is erosion in the value of security/ frauds committed by borrowers: In cases of
such serious credit impairment, the asset should be straightaway classified as doubtful or loss asset as
appropriate:
i) erosion in the value of the security- if the realizable value of security is less than 50% of the value
assessed by the Bank or accepted by RBI at the time of last inspection, it may be classified under Doubtful
category,
ii) if realizable value of the security as assessed by the Bank/ approved valuers/ RBI, is less than 10% of
the outstanding in the borrowal accounts, the asset shall be straightaway classified as Loss asset.
Advances against Bank's own Term Deposits, NSCs, KVPs, IVPs, surrender value of Life Insurance Policy
etc: Such accounts would not be classified as NPAs provided adequate margin is available. However,
advances granted against gold ornaments, government securities and all other securities shall not be
covered by this exemption.
Provisioning Norms - In case a bank fails to report SMA status of an account to CRILC or resorts to
methods with the intent to conceal the actual status of the account or evergreens the account, it will be
subjected to, inter alia, accelerated provisioning for that account. The normal provisioning requirement,
and the accelerated provisioning in respect of such non-performing accounts are as under:
Valuation of security for provisioning purposes - With a view to bringing down divergence arising out of
difference in assessment of the value of security, in cases of NPAs with balance of Rs. 5 crore and above,
stock and receivable audit at annual intervals by empanelled Stock and Receivable Auditors is to be got
done in order to enhance the reliability on stock valuation. Collaterals such as immovable properties
charged in favour of the Bank should be got valued once in three years by Bank’s empanelled valuers.
Loss Assets - Generally loss assets are to be written off. In case loss assets are permitted to remain in the
Bank’s books for any reason, a provision equivalent to the outstanding (100 percent of outstanding) in the
account shall be made.
Standard assets - Bank shall make general provision for Standard assets at the following rates for the
funded outstanding on global loan portfolio basis:
i) Farm Credit to agricultural activities and Small and Micro Enterprises (SMEs) sectors at 0.25 per cent;
ii) Advances to Commercial Real Estate (CRE) Sector at 1.00 per cent;
iii) Advances to Commercial Real Estate – Residential Housing Sector (CRE-RH) at 0.75 per cent;
iv) All other loans and advances not included in (a) (b) and (c) above at 0.40 per cent.
Insolvency and Bankruptcy Code-2016 (IBC) - The minimum default amount to initiate the procedure is
Rs.1.00 lac. The IBC framework is regulated by ‘the Insolvency and Bankruptcy Board of India (IBBI)’. It has
constituted two following Adjudicating Authorities to handle the cases:
i) National Company Law Tribunal (NCLT) – to deal with Corporate Persons (including LLP).
ii) Debt Recovery Tribunal (DRT) - to deal with Individuals and Partnership Firms.
iii) All appeals from NCLT and DRT shall lie with NCLAT and DRAT respectively. However, the Supreme
Court of India shall have Appellate jurisdiction over NCLAT and DRAT.
*In terms of RBI guidelines, Bank is to submit the quarterly return on borrowers’ exposure of Rs. 5 crores
and above to RBI - Central Repository of Information on Large Credits (CRILC).
List of Reviews, Reports and Periodicity of submission
Particulars for reporting Responsibility Periodicity

for reporting
Data on cases of wilful default (Suit filed and Non-suit filed accounts) CPPD Monthly or more
of Rs.25 lacs & above. frequent basis
Data on defaulters (Suit filed and Non-suit filed accounts) of Rs. 1 CPPD Monthly or more
crore and above. frequent basis
Review of Bank’s Loan Policy CPPD Yearly
Review of Bank’s Financial & Risk Management Policies CRMD Yearly
Bank shall at any point of time restrict its funded exposure by way of CRMD Half Yearly
term loans to infrastructure projects to 30% of the Bank’s total
domestic exposure.
Term Loan (loans with residual maturity of over 3 years) at any point CRMD Half Yearly
of time should not in aggregate exceed 40 % of the total advances.
LIST OF ACRONYMS USED IN THE LOAN POLICY DOCUMENT
***********************************
G I S T O F PO LI C Y G UID E L IN E S 2017-2018
• Bank’s CASA ratio was at 46.55%as on 31st December 2016.
• Global Growth: According to IMF’s World Economic Outlook, Oct’16, global

growth is estimated to slow to 3.1% in 2016 before recovering to 3.4% in
2017.
• E c onomi c Gro wth: As per the advanced estimates released by CSO Q3 FY17
GDPgrowth was 7.0%, compared to 7.4% growth in Q2 and 7.2% in Q1. For
FY17 GDP growth is expected to come in at 7.1%. The good thing is that
Agriculture and Allied Activities is likely to grow at 4.1% in FY17, compared to
last year’s growth of 1.2%.Industry is expected to grow at 5.2% in FY17, down
from 7.4% in FY16, owing tolackluster growth in Mining, Manufacturing and
Construction. Services sector growth islikely to moderate to 8.8% in FY17,
compared to 8.9% in FY16.
• India’s Current Account Deficit (CAD) has narrowed down $3.4 billion (0.6% of
GDP) in Q2 FY17, lower than $8.5 billion (1.7% of GDP) in Q2 FY16. In Q2 FY17,
foreign exchange reserves (on BoP basis) increased by $8.5 billion as against a
decline of USD 0.9 billion in Q2 FY 16.
• B a n king: The fortnightly data of ASCB indicates that credit off-take (YoY) has
declined to historical low of 4.76% as of week ending 17 th February
2017compared to last year’s growth of 11.6% in Feb’16. The aggregate
deposits growth however, improved to 12.67%, compared to last year's growth
of 11.01%.
• S m a rt C itie s –The mission is to improve efficiency of cities and enable local

area development, thereby driving economic growth and improving quality of
life. An investment of Rs.50,802 Crore over a five-year period has been
proposed in these 100 cities.
• Bank proposes to move towards ROE based budgeting from FY 18. While the
whole Bank level ROE target has been set at 9.5%.
• Depo sit s -The market share of SBI’s Domestic Deposits has increased to
18.15% as on 31 December 2016 as compared to 17.41% as on 31 December
st st
2015. CASA ratio showedan increase of 385 bps YoY from 42.70% in December
2015 to 46.55% in December2016.
• We have set a target of 46% for CASA Ratio for March ’18, with share of CA
increasing to atleast 10%.
• Adv an c e s-Total advances grew from Rs.14,28,495 crore in December 2015 to

Rs. 14,97,164 crore in December 2016, a growth of 4.81% YOY. However, there
has been de-growth in total advances by 0.82% since March 2016.Overall, PER
segment has shown a growth of 17.50% YOY. The Home loan portfolio has
grown from Rs.1,79,683 crore to Rs. 2,12,600 crore, a growth of 18.32% YOY.
Auto Loans and Xpress Credit loans too have increased by 19.98% and 24.75%
YOY respectively.
• Priority S e c tor lending- Bank has to achieve a Priority sector lending target
of 40% of its Adjusted Net Bank Credit (ANBC). As on December 31, 2016
Bank’s PSL lending was 33.01% of its ANBC.
• C o st E ffi ci en ci e s- Our Cost to Income Ratio has decreased by 130 bps from
50.78% in Dec ’15 to 49.48% in Dec’16.
• While GOI has so far allocated Rs.5,681 Crore of Capital during FY 17, the Bank
hasraised Rs.9,100 Crore of Additional Tier-I Capital during the year till date.
The Capital Adequacy Ratio (CAR) of the Bank was 13.73% as on31stDecember
2016.
• Our Bank has become the Number one Merchant acquirer in the country with
more than 4 lac POS machines in Dec 2016, which is likely to reach 6 lacs by
end FY17. The daily average transactions on POS have gone up from 2.26 lacs
last year to 5.52 lacs now,with the Bank recording peak daily transaction level
of 2 million during Dec 16.
• S B I B uddy- Our mobile wallet, which was launched on 18.08.2015 in 13

languages to counter the challenges posed by e-wallets has received great
traction post demonetization and hasbeen gaining market share since then.
The wallet has more than 8 million registrations as on 31 st December 2016 and
its daily down loads have more than doubled post demonetization.
• S B I P ay- This is a payment solution for not only SBI account holders but also
other bank account holders, through NPCI’s Unified Payment interface (UPI),
and is an alternative for cashless banking and a possible disruptor for wallets
in the future. It works based on Virtual payment address concept and can be
used for payments across banks.
• S B I Mingle- Our Social Media Banking platform was launched in 01.07.2016 to

provide basic banking services like funds transfer, balance enquiry and mini
statement and we intend to introduce customer complaint and resolution in
the coming months.
• Mobile B an king- The Bank is the market leader in respect of Mobile Banking
with a market share in value of transactions increasing from 34.93% as at
March 16 to 50.47% as at December 2016. In respect of number of
transactions the market share of the Bank stood at 24.98% as at Dec 2016.
The demonetization has further boosted our Mobile Banking transactions
mainly due to boost of transactions through our wallet “Buddy”.
• Anytim e C h ann el s-The Bank’s overall percentage of Anytime Channels

transactions to total transactions has witnessed consistent improvement over
the years. The same stood at 77.32% as on 31 st December 2016. Achievement
of a minimum target of 85% by the end of FY18.
• Other initiative s
• a) S B I Wealth Man agem ent - S B I E x c lu sif-Specialized Wealth Management
vertical was created to extend Omni channel access to deliver transactions
and advisory to HNIs on a differentiated proposition basis. It was initially
launched in Bangalore to retain the relationships of existing HNI customers
and also to acquire new ones. The facility now stands extended to Chennai
and will be rolled out across the country during FY 18. While 1956 HNI
customers have been on-boarded with Rs.1525 crore AUM as on 31 st
December 2016, we should target at least 5000 HNI customers with AUM of
Rs. 5000 crore in FY18.
• b) S B I In-C ube- It is a dedicated branch for on boarding start-ups, opened in
Bangalore. The offered services include advisory services to budding
entrepreneurs for setting up of a start-up company and issues related to
taxation and regulations.
• c ) S m a rt SM E- It is an easy cash flow based financing for sellers on e-
commerce platforms with quick online sanction.
•
• Merger of A s s o ci at e B an k- On April 1 2017, we will see the merger of our 5
Associate Banks with SBI. With this,the number of branches of SBI will increase
by around 6,000 and employee strength by around 70,000. The merger will
catapult the Bank in to the club of top 50 global Banks.While in the medium to
long term, the merger will bring about business synergy and cost optimization
due to elimination of redundancies in all areas, it is a collective responsibility
of all of us to front load and maximize the benefits at all levels, be it in
management and retention of customers, improvement in branch operations
and productivity, rationalization of centralized processing centers, network
optimization, IT and human resources, digital initiatives, treasury operations
and best practices for risk management.
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(A BOOKLET FOR TRAINEE OFFICER AND JMGS I EXAM)

COMPILED BY: AMIT TANWAR

Prepared by: Amit Tanwar Deputy Manager Ahmedabad Circle

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7. Liability of surety is co-extensive with that

8. full form of USSD is

Prepared by: Amit Tanwar Deputy Manager Ahmedabad Circle

10. For PehlaKadam and PehliUdaan SB accounts

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2. For mega/integrated township projects 2 48 month

4.State of ‘Stagflation’ means __ 5 Sec 45 of rbi act

Prepared by: Amit Tanwar Deputy Manager Ahmedabad Circle

7. what is the maximum number of txn covered 9 vegetable production

9. “Olericulture” is related to __________?

10. The Daily Domestic Pos Limit of State Bank

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10. Full form of GLCC 10 genral ledger comparison code

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7.Issuance charges for GRC 7 Rs 20

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