About State Bank of Hyderabad / Overview

Our Mission

"To achieve pre-eminence in banking and financial sectors with commitment to

excellence in customer satisfaction, profit maximisation and continued emphasis on
developmental banking through a skilled and committed work force by providing training
facilities and technological upgradation"

Overview

State Bank of Hyderabad was constituted as Hyderabad State Bank on 8.8.1941 under
Hyderabad State Bank Act, 1941. The Bank started with the unique distinction of being
the central bank of the erstwhile State of Hyderabad, covering present-day Telangana
region of Andhra Pradesh, Hyderabad-Karnataka of Karnataka and Marathwada of
Maharashtra, to manage its currency - Osmania Sikka and public debt apart from the
functions of commercial banking. The first branch of the Bank was opened at
Gunfoundry, Hyderabad on 5th April, 1942.

In 1953, the Bank took over the assets and liabilities of the Hyderabad Mercantile
Bank Ltd. In the same year, the Bank started conducting Government and Treasury
business as agent of Reserve Bank of India. In 1956, the Bank was taken over by
Reserve Bank of India as its first subsidiary and its name was changed from
Hyderabad State Bank to State Bank of Hyderabad.

The Bank became a subsidiary of the State Bank of India on the 1st October 1959
and is now the largest Associate Bank of State Bank of India.

Shri O. P. Bhatt
Chairman
Ex-officio under Section 25(1)(a) of the
State Bank of India (Subsidiary Banks) Act,1959
Smt Renu Challu
Managing Director

Shri Kaza Sudhakar

Director
Nominated by the Reserve Bank of India

Shri R Sridharan
Director
Nominated by the State Bank of India

Shri B Ramesh Babu

Director
Nominated by the State Bank of India
 Shri B S Gopala Krishna
Director
Nominated by the State Bank of India

Shri Ramesh Datla

Director

Nominated by the State Bank of India

Shri V. Murali
Director

Nominated by the State Bank of India

Shri Gopal Vaidya
Director

Nominated by the Govt. of India

Shri P. Narasimha
Director

Nominated by the Govt. of India

Director

Nominated by the State Bank of India

Director

Nominated by the State Bank of India

Prof. V. Venkata Ramana
Director

Nominated by the State Bank of India

Shri S Gopal Krishna
Director
Nominated by the Govt. of India
Smt Renu Challu
Managing Director

Shri Sudhir Garg

Chief General Manager

Shri Joseph Philip

General Manager (C & IB)

Shri N K Padhi

General Manager (Operations)

Shri M C Jacob
General Manager (Agr & CRO)
Shri Harikumar E K
General Manager (PB, Tech & Fin)

Shri S Venkataraman
General Manager (MSME,Treasury & Insp)

Shri R K Rawat
General Manager & Chief Vigilance Officer

Term Deposit Scemes / Sri Venkateshwara Nityannadana Scheme

Venkateswara Nitya Annadana Padakam

As the Trusted Lieutenants of the LORD

We accept Donations towards

Venkateswara Nitya Annadana Padakam

A Min. amount of Rs.1000/- and multiples thereof.

TTD uses these donations to Feed Devotees at TIRUMALA.

What an opportunity!!! That is not all

 All the Donations are EXEMPT from Income Tax. Under section 80-G.

Special privileges for Donations of Rs.5/- lacs and Rs.10 lacs.

TTD offers an annual three days free stay at Tirumala for Donors and their

Family which includes AARTHI DARSHAN.

Term Deposit Scemes / Sri Venkateshwara Pranadana Scheme

Life is Beautiful, Health and Well Being are Blessings.

The Venkateswara Swamy Pranadana Scheme

Is a Life time opportunity given by the All Merciful

LORD VENKATESWARA

To all those who want to serve HUMANITY and give them

The Gift of LIFE.

The TTD uses these Donations to provide free medical facilities

Blood banks, artificial limbs, physiotherapy and implants to the Poor.

The donations to the trust are accepted at all our branches - Min Rs.1000/-

And multiples thereof at all our Branches.

TTD offers Special privileges to donors of Rs.5/- lacs and above

Three days free stay at Tirumala with VIP darshan from the cellar in

Vaikuntam and a Gold plated Silver medallion of the Lord.

All the donations under this scheme are EXEMPT from Income Tax under

section 80-G.

Maturity and
Yield Calculator

BANK'S BASE RATE : 9.00% P.A. (w.e.f. 14th Feb 2011)

BANK'S BENCHMARK PRIME LENDING RATE (BPLR) : 13.75 % P.A (w.e.f 14th Feb 2011)
 Revised (w.e.f. 14-02-2011) Fig in ( % per annum)

Upto and including Rs.1

Period
Crore

7 days to 14 days 4.00

15 days to 45 days 5.00

46 days to 90 days 6.00

91 days to 179 days 7.00

180 days to less than 1 year 8.00

1 year to less than 2 years 9.00

2 years to less than 3 years 9.25

3 years to less than 5 years 8.75

5 years to less than 8 years 8.75

8 years and upto 10 years 8.75

* "SBH-1000" Scheme is available w.e.f. 07-01-2009

# "SBH-500" Scheme is available w.e.f. 06-11-2009

Interest Rate Fig in( % per annum) ( w.e.f. 14-02-

New Scheme 2011 )
Retired Staff Senior
Public Senior Citizen Staff
Citizens
SBH-1000 9.50 10.00 10.50 11.00
SBH-500 9.25 9.75 10.25 10.75

Tax saver Scheme:

Minimum Period of Deposit

Maximum Amount in a Financial Year Rate of Interest
5 years
Rs.1.00 Lac (w.e.f. 05-01-2011 )

5 years to less than 8 years 8.75 % p.a

8 years and upto 10 years 8.75 % p.a

The Senior Citizens would continue to be offered 50 basis points higher than the normal rate for the Term
Deposits of one year and above, provided they fulfill all the terms and conditions as laid down.

Revised interests on deposits are applicable on new deposits and also the existing deposits on their renewal.

The interest rate on Savings Bank account remains unchanged at 3.50% p.a.

The deposits up to Rs. 1.00 lac for a tenure of 5 years and above, will qualify for tax-benefit, under Sec. 80C of
Income Tax Act. However, premature withdrawals are not allowed on the deposits, up to 5 years.

Branches are advised to note the changes in interest rates and display the revised rates of interest prominently for
the information of public/customers.

PERSONAL SEGMENT ADVANCES - INTEREST RATES

Click here to download Agricultural Advances Interest Rates Linked to PLR
The interest rates are subject to change from time to time.
 MSME ADVANCE INTEREST RATES LINKED TO BPLR w.e.f. 05.01.2011

REVISED INTEREST RATE STRUCTURE OF MSME ADVANCES

LINKED TO BPLR w.e.f. 05.01.2011

Working Capital Term Loans

REVISED INT
EXISTING INT RATES REVISED INT RATES EXISTING INT RATES
RATES [w.e.f.
[w.e.f. 08.12.2010] [w.e.f. 05.01.2011] [w.e.f. 08.12.2010]
05.01.2011]

Size of Credit Limit

(PLR : 13.50%
(PLR : 13.25% p.a.) (PLR : 13.50% p.a.) (PLR : 13.25% p.a.)
p.a.)

Interest Rate
Interest Rate % p.a. Interest Rate % p.a. Interest Rate % p.a.
% p.a.

12.00 12.25
11.50 11.75
Upto Rs.50000 [1.25% below
[1.75% below BPLR] [1.75% below BPLR]
[1.25% below BPLR] BPLR]

12.75
12.00 12.25 12.50
Above Rs.50000 & upto Rs.2 lac [0.75% below
[1.25% below BPLR] [1.25% below BPLR] [0.75% below BPLR]
BPLR]

12.75 13.00 13.25 13.50

Above Rs.2 lacs & upto Rs.5 lacs
[0.50% below BPLR] [0.50% below BPLR] [BPLR] [BPLR]

14.00
13.25 13.50 13.75
Above Rs. 5 lacs & below Rs.25 lacs [0.50 above
[BPLR] [BPLR] [0.50 above BPLR]
BPLR]

12.75 13.00 13.25 13.50

SBH-1 / TL-1 [SB1–SB2]
[0.50% below BPLR] [0.50% below BPLR] [BPLR] [BPLR]

14.00
13.25 13.50 13.75
SBH-2 / TL-2 [SB3–SB5] [0.50 above
[BPLR] [BPLR] [0.50 above BPLR]
BPLR]

14.50
13.75 14.00 14.25
SBH-3 / TL-3 [SB6–SB7] [1.00% above
[0.50% above BPLR] [0.50% above BPLR] [1.00% above BPLR]
BPLR]

15.00
14.25 14.50 14.75
SBH-4 / TL-4 [SB8–SB9] [1.50% above
[1.00% above BPLR] [1.00% above BPLR] [1.50% above BPLR]
BPLR]

16.00
SBH-5 to 8 / TL-5 to 8 15.25 15.50 15.75
[2.50% above
[SB10–SB16] [2.00% above BPLR] [2.00% above BPLR] [2.50% above BPLR]
BPLR]

In case of Conventional Industries [Rice Mill, Dal Mill and Cotton Ginning & Pressing Mill] the concession in interest rate as
under:

Limit Interest Concession

Upto Rs.25.00 lacs 0.50% Below the applicable rate

Rs 25.00 lacs and above with CRA Rating

SB-1 to SB-9 1.00% Below the applicable rate

For SB-10 and above No concession

REVISED INTEREST RATES FOR SPECIFIC MSME PRODUCTS

[Linked to BPLR - Revised w.e.f. 05.01.2011]
 BPLR 13.50%
EXISTING REVISED
Sl.
NAME OF THE SCHEME INTEREST RATES INTEREST RATES
No.
w.e.f. 08.12.2010 w.e.f. 05.01.2011
1 MORTGAGE LOANS under MSME segment BPLR [Presently 13.25%] BPLR [Presently 13.50%]
2 DOCTOR PLUS 2% below BPLR 2% below BPLR
Score as per scoring model [Presently 11.25%] [Presently 11.50%]
65 & above 1.50% below BPLR [Presently 11.75%] 1.50% below BPLR [Presently 12.00%]
55 to 64 1.00% below BPLR [Presently 12.25%] 1.00% below BPLR [Presently 12.50%]
45 to 54 0.50% below BPLR [Presently 12.75%] 0.50% below BPLR [Presently 13.00%]
35 to 44 No finance No finance
Below 35
3 CONSTRUCTION EQUIPMENT LOAN 1% below BPLR 1% below BPLR
For SBH 1 & 2 [New CRA SB1 – SB5 borrowers] [Presently 12.25%] [Presently 12.50%]
For SBH3 [New CRA SB6 & SB7 borrowers] 0.75% below BPLR [Presently 12.50%] 0.75% below BPLR [Presently 12.75%]
4 SME CAR LOANS [As applicable to car loans 11.25% p.a. 11.50% p.a.
under PER segment] [2.00% below BPLR] [2.00% below BPLR]
For New Vehicles 11.50% p.a. 11.75% p.a.
i. Repayment upto 3 years [1.75% below BPLR] [1.75% below BPLR]
11.50% p.a. 11.75% p.a.
RS.7.50 LACS AND ABOVE [1.75% below BPLR] [1.75% below BPLR]
11.75% p.a. 12.00% p.a.
BELOW RS.7.50 LACS [1.50% below BPLR] [1.50% below BPLR]
ii. Repayment above 3 years & upto 5 years - 15.00% p.a. 15.25% p.a.
ALL LOANS [1.75% above BPLR] [1.75% above BPLR]
iii. Repayment above 5 years to 7 years 15.25% p.a. 15.50% p.a.
USED VEHICLES: [2.00% above BPLR] [2.00% above BPLR]
a) Upto 3 years
b) Above 3 years and upto 7 years

5.For Stree Shakti Package the interest rate will be 0.50% below the applicable rate.
6. For Tourism Finance the interest rate will be 0.25% below the applicable rate for loans above Rs.2.00 lacs.
7. For Artisan Credit Card Scheme where maximum loan extended is Rs.2.00 lacs the
interest rate will be as applicable to MSME Term Loan.
8 . For finance against Warehouse receipts the concession will be
(a) For finance against Warehouse receipts of Central/ State/ Private Warehouse Receipts interest will be @ 12.50%
[1% below BPLR].
(b) For loans against Warehouse Receipts under tie-up with NBHCL, interest rate will be charged at 11.50% + 0.75%
of collateral management fee = 12.25%
c) Where the applications are sourced and services provided by NBHCL, service provider fee of 0.50% will be
charged in addition to the interest rate.

Click here to download MSME specific products linked to Base Rate

 The interest rates are subject to change from time to
time.

C&I SEGMENT ADVANCES INTEREST RATES LINKED TO BASE

RATE

Annexure - I
(A) C&I segment (T&C and LMS) - Interest Rate Structure
Loans and Advances below Rs.25.00 lacs
(Existing) Base Rate (BR) 8.25% (w.e.f. 08.12.2010)

Demand or < 3 yrs 3 years and above

Upto Rs.5.00 lacs BR + 5.50% = 13.75% BR + 5.50% = 13.75%
Above Rs.5.00 lacs &
below Rs.25.00 lacs BR + 6.25% = 14.50% BR + 6.50% = 14.75%

(A) C&I segment (T&C and LMS) - Interest Rate Structure

Loans and Advances below Rs.25.00 lacs
(Revised) Base Rate (BR) 8.50% (w.e.f. 05.01.2011)

Demand or < 3 yrs 3 years and above

Upto Rs.5.00 lacs BR + 5.50% = 14.00% BR + 5.50% = 14.00%
Above Rs.5.00 lacs &
below Rs.25.00 lacs BR + 6.25% = 14.75% BR + 6.50% = 15.00%

ANNEXURE - 2
(Percentage
per annum)
C&I Segment (T&C and LMS) – Interest Rate Structure
for Cash Credit & Working Capital Demand Loan
(i.e. loans and advances Rs. 25.00 lacs & above and sanctioned as repayable on
demand )
Existing Rating: New CRA Rating Existing Interest Rates w.e.f. Spread over BR Revised Interest Rates w.e
CRA - Mfg / as per ADV / 08-09 / 8 08.12.2010 Base Rate (BR) (CC) (WCDL) 05.01.2011 BASE Rate (B
CRA - Trade dated 03-05-2008 8.25%
(CC) (WCDL)
SBH 1 / SBH (T) 1 SB 1 to SB 2 14.00 13.75 BR+5.75 BR + 5.50 14.25
SBH 2 / SBH (T) 2 SB 3, SB 4 & SB 5 14.50 14.25 BR+6.25 BR + 6.00 14.75
SBH 3 / SBH (T) 3 SB 6 & SB 7 15.25 15.00 BR+7.00 BR + 6.75 15.50
SBH 4 / SBH (T) 4 SB 8 & SB 9 16.00 15.75 BR+7.75 BR + 7.50 16.25
SBH 5 / SBH (T) 5 SB 10 16.25 16.25 BR+8.00 BR + 8.00 16.50
SBH 6,7,8 / SB 11 to SB 16 16.50 16.50 BR+8.25 BR = 8.25 16.75
SBH (T) 6,7,8
Note: Working capital term loan if payable beyond one year should be linked to BR only

ANNEXURE -
3
(Percentage per
annum)
 The interest rates are subject to change
from time to time.
BANK'S BENCHMARK PRIME LENDING RATE
(BPLR) : 13.75 % P.A (w.e.f. 14th Feb 2011)

BANK'S BASE RATE (BR) : 9.00% P.A (w.e.f. 14th Feb 2011)

NRE Interest Rates and Term Deposits Term Deposits: As on 01/02/2011

Period of deposit Revised rates
1 year to less than 2 years 2.53
2 years to less than 3 years 2.53
3 to 5 years 2.99
Savings Bank Deposits: As on 01/01/2011
Particulars Revised rates
Savings Bank Deposits (Rs.
3.50
Deposit)

NRO Interest Rates Revised Interest Rates (w.e.f. 14/02/2011)

Period - 7 days to 14 days
Rs.15 lacs and Above (%
Below Rs.15 lacs
P/A)
4.00 4.00
Period - 15 days to 45 days
Rs.15 lacs and Above (%
Below Rs.15 lacs
P/A)
5.00 5.00
Period - 46 days to 90 days
Rs.15 lacs and Above (%
Below Rs.15 lacs
P/A)
6.00 6.00
Period - 91 days to 179 days
Rs.15 lacs and Above (%
Below Rs.15 lacs
P/A)
7.00 7.00
Period - 180 days to less than 1 year
Rs.15 lacs and Above (%
Below Rs.15 lacs
P/A)
8.00 8.00
Period - 1 year to less than 2 years
Rs.15 lacs and Above (%
Below Rs.15 lacs
P/A)
9.00 9.00
Period - 2 years to less than 3 years
Rs.15 lacs and Above (%
Below Rs.15 lacs
P/A)
 9.25 9.25
Period - 1000 days (SBH-1000)*
Rs.15 lacs and Above (%
Below Rs.15 lacs
P/A)
9.50 9.50
Period - 3 years to less than 5 years
Rs.15 lacs and Above (%
Below Rs.15 lacs
P/A)
8.75 8.75
Period - 5 years and upto 8 years
Rs.15 lacs and Above (%
Below Rs.15 lacs
P/A)
8.75 8.75
Period - 8 years and upto 10 years
Rs.15 lacs and Above (%
Below Rs.15 lacs
P/A)
8.75 8.75
* "SBH-1000" Scheme is available w.e.f.
07-01-2009 and valid up to one month and
may be extended depending on prevailing
market conditions

FCNR (B) Interest Rates and Term Deposits Revised FCNR Interest Rates (w.e.f.
01/2/2011):
Period of Deposit - 1 year but less than 2
years
AUS $ CAN $
USD GBP EURO
* *
1.78 2.53 2.57 6.60 2.89
Period of Deposit - 2 years but less than 3
years
AUS $ CAN $
USD GBP EURO
* *
1.78 2.75 3.03 6.25 2.79
Period of Deposit - 3 years but less than 4
years
AUS $ CAN $
USD GBP EURO
* *
2.24 3.22 3.36 6.36 3.10
Period of Deposit - 4 years but less than 5
years
AUS $ CAN $
USD GBP EURO
* *
2.71 3.60 3.62 6.60 3.40
Period of Deposit - 5 years
 AUS $ CAN $
USD GBP EURO
* *
3.15 3.91 3.84 6.72 3.66
Note: Interest rates are in percentage per
annum. Interest rates are subject to
change.

NRE - Savings Bank / Current A/C

1. It can be opened only by non resident Indians (NRIs)

2. It can be opened jointly with another NRI (in case you wish to open the account
jointly with your spouse(s) he should also be an NRI).
3. You can avail Internet Banking facility available, wherein You can view and
transact on your account(s) on line
4. The minimum balance of Rs.1,000/- is to be maintained in Savings Bank a/c.
5. The minimum balance of Rs.5,000/- to be maintained in Current account.

INTEREST RATE FOR NRE SAVINGS BANK DEPOSITS: 3.50%

INTEREST RATE FOR NRE CURRENT A/C: NIL
Permissible Credits

1. Remittances from abroad (SWIFT, Telegraphic transfers) in permitted currencies.

2. Personal cheque drawn on your account(s) maintained abroad.
3. Proceeds of Foreign Currency Notes/ Travellers cheques tendered by you in
person during your visits to India.
4. Amounts in excess of $5000 USD (or equivalent) in currency or $10,000 USD (or
equivalent) in Travelers cheques should be accompanied by a Currency
Declaration Form.
5. Drafts issued by Bank/Exchange Cos. Abroad.
6. Transfer from another NRE account.
7. Interest/dividend/maturity proceeds of investments made in India on repatriable
basis.
8. Nomination can be in favour of residents or non-residents.
9. Funds lying in the NRE Account on the death of an account holder can be
repatriated to his non-resident nominee. For remittance of funds by resident
nominee outside India for meeting the liabilities or for similar other purposes of
the deceased account holder, prior approval of RBI is required.

Customers, who wish to open an account for the first time with our bank, should send
cheque / draft as initial remittance along with duly filled a/c opening form, passport
copies, photograph, attestation of signature, to the branch of your choice (Click here for
BRANCH IDENTIFIER) to enable them to verify your status. Subsequently, the
customer are advised to opt for SWIFT remittance quoting the Account Number /
Customer Number, Name of Branch he / she prefers to transfer the amount\
Deposits:

Savings bank account

Who can open an account?

An individual Institution, society or minor 10 yrs old and above is eligible

What are the facilities / features of this account?

You can open the account singly or jointly with your spouse/another person.
You can give standing instructions for the remittance of LIC premium, house rent etc.
Half-yearly payment of interest @ 3.5% in computerized branches
Nomination facility is available
You can avail ATM cum Debit card facility, where it is made available

Can I deposit a cheque as my first payment into the account?

The first deposit has to be in cash only

What are the requirements for opening this account?

Three recent passport size photographs
Proof of residence such as Voter Identity card, Electricity bill, Telephone bill, Pass port,
Driving License or PAN card.
A referrer who has held a Savings Bank Account with us for at lest 6 months for
introducing you.

Current account

Who can open an account?

Individuals, organizations, clubs, societies and business concerns can open a current
account.

Are there any restrictions on the number of transactions?

No such restrictions.

How can I verify my transactions?

You will be provided with statements of account of passbook for this purpose.

What is the minimum balance that is required to be maintained?

You need to maintain a minimum balance of
Rs 5000/- in Metros
Rs 3000/- in Urban areas
Rs 1000/- in Semi-Urban areas
Rs 500/- in Rural areas
Term deposit account:

Special term deposit account (Reinvestment Plan deposits)

Who can open an account under the scheme?

Individuals, firms or companies can open the accounts under this scheme.

What is the period of deposit I can choose?

You can choose the period ranging from 6 months to 120 months.

What are the special features?

Unmatchable safety and security of your hard-earned money.
Higher rate of return.
Auto renewal which ensures that you continue to earn interest even after the maturity of
your deposit.
You can take back your money at any time should you require it simply through a
requisition.
Where your deposit is for less than Rs 1 lac and for maturity period of less than 3 years
no penalty would be levied for the premature payment of your deposit.
You can avail a loan at a very nominal net cost of 2 %.
Nomination facility is available.
Free account transfer facility among our vast net work of branches.
The interest would get compounded quarterly which gets you higher returns.

Short term deposit account

What is the period of deposit that I can choose?

You can choose between 15 days to 179 days.

What is the minimum amount of deposit that I have to deposit?

You can deposit in multiples of Rs 100/-

Can I withdraw the deposit as and when I require it?

You are free to withdraw the deposit as per your requirement.

Fixed deposit account

Who can open this deposit account ?

Individuals singly or jointly with another person, minors of 10 years of age independently
or jointly with the natural guardians, institutions firms, societies and business concerns.

What is the minimum amount that I have to deposit and for what period ?
You can deposit in multiples of Rs 100/- for a period of 15 days to 120 months.

At what intervals do I get periodical interest ?

You can get interest at monthly (discounted), quarterly, half-yearly or yearly rests as per
your choice. The interest will be automatically credited to your account with us.

Recurring deposit account

Why should I go for this scheme?

For creating a fund for your children's education or marriage or to buy a car or some tour
or an event, you can choose this popular account.

Who can open this account?

Individual (s) singly or jointly, minors of 10 years age independently or jointly with
natural guardians.

Can I withdraw the amount should I need in advance of maturity date?

You can withdraw the amount as per your requirement. You will also be get the accrued
interest as per the rules applicable to the premature payment of term deposits.
You can also avail loan against the deposit amount at a nominal net cost of 2 %.

What about the amount of installments and deposit period?

You can choose installments with minimum of Rs 100/- and multiples of Rs 10/- thereof
for period ranging from 12 months to 120 months. There is no maximum limit for
monthly installment amount.

Senior citizen deposit scheme

Can I open a joint account with a non-senior citizen?

Yes, you can.

What is the extra rate of interest I am offered under the scheme?

You are offered 0.50% extra interest over the normal rate of interest on term deposits of 1
year and above.

Should I produce any proof of my age?

Yes if you are depositing the amount for the first time. You need to produce an age proof
certificate.

Sri Venkateshwara Nityaannadana scheme

What is the minimum deposit that is accepted under this scheme?

A minimum deposit of Rs 1000/- and multiples thereof.

For what purpose TTD uses this deposit?

TTD uses the interest amount of these deposits for feeding the devotees at Tirumala.

Are there any tax exemptions in this scheme?

All donations are exempt from Income Tax under section 80-G.
Are there any other benefits/facilities offered to me?
For donations for Rs 5 lac and Rs 10 lac TTD offers an annual three day free stay at
Tirumala for donors and their family and free aarti darshan.

Sri Venkateshwara Pranadana scheme

What is the special purpose of this scheme?

TTD uses these donations for providing free medical facilities, blood banks, artificial
limbs, physiotherapy and implants to the poor.

What are the tax benefits offered under this scheme?

All donations under the scheme are exempt from Income Tax under section 80-G.

What are the special facilities offered to the donors by the TTD?
TTD offers donors of Rs 5 lac and above a three-day stay at Tirumala with VIP darshan
from the cellar at Vaikuntam.

Do you offer any thing more under the scheme?

In memory of your first visit, we present you a gold-plated silver medallion of the Lord.

Advances:

Housing loans

Can I get an in-principle approval and actually avail of the loan later?
What we do is, before you choose the house you want to buy, we give you an in-principle
approval based on your income and capacity to repay. This makes the entire process of
identifying and buying a house easier and more flexible. You won't be under pressure to
identify a house before you know how much funds the bank would make available to
you.

And how long is this approval valid?

This in-principle approval is valid for 3 months to give you sufficient time to choose a
flat/house of your choice.

How long does it take to get my loan sanctioned?

Your loan can get sanctioned in a matter of days provided you have all the documents in
place.

What are the documents that I need to provide?

You will need to furnish the following documents along with the completed application
form:
Passport size photograph
Proof of residence
(This applies only to new or non-bank customers, and could be either a PAN identity
card, voter identification card or passport)
Sale Deed/ Agreement of Sale

Bank account Statement or passbook, for the last six months

For employees or people in service, you also need to provide:
Salary certificate and other information, if any, about your repayment capacity
Form 16 or a copy of the Income Tax Returns for the last 2 years

For self employed and other IT assessees:

IT returns for the last 3 years· Receipts of advance tax paid
Any other information about your repayment capacity

In addition to the above mandatory documents, you are also required to furnish one or
more of the following documents wherever applicable:· Letter of allotment from the
housing board or society
Copy of the approved plan
Permission for construction
Copy of the relative order in the case of conversion of agricultural land.
not required where the house/flat has been constructed by an approved builder

Do I require any additional documents for an old house/flat?

In the case of an old existing house (normally not more than 15 years old) you will need
to get a valuation certificate from approved valuers as well as a certificate from a
government approved architect /structural engineer regarding the condition of the
flat/house as well as its remaining life. This will give you the comfort of knowing that the
property you are purchasing is of sound construction.

Can I apply jointly with my spouse? Will both our salaries be taken into
consideration for calculating the loan amount?
Yes, your salaries can be clubbed for the purpose of calculation of the eligible loan
amount. This can be done either when the property is jointly held with the spouse or the
spouse stands as a guarantor. Thus, we ensure a great deal of flexibility in the entire
exercise of financing your house.

How much loan can I avail of?

There is no upper ceiling on the amount of housing that can be granted. The maximum
loan amount you can avail of depends on the property and your repayment capacity. Your
repayment capacity is determined on the basis of your income, age, assets and liabilities.
Depending on your age, you can get a loan of up to 48 times your net monthly income.
Your spouse's income can also be taken into account. The expected rental on the property
to be purchased also could be considered.

What security do I have to furnish?

SBH requires a mortgage of the property for which the loan is being taken. Where
mortgage can't be provided, other tangible security would need to be provided.
The title of the property should be clear, for which a certificate would be required from
the Bank's approved advocate, safeguarding your interests as well as Bank's interests.
Additional security may be required where the house is under construction. This may be
for an interim period, by way of tangible security or guarantees from sound and solvent
individuals.

What are the processing fees charged by the bank?

The processing fees have been waived . Compare this with 1.5-2% charged by the others.

What is EMI?
EMI stands for Equated Monthly Installments. This installment comprises both principal
and interest components.

Where all can I avail SBH Housing loans?

We have a network of branches across the country to cater to the housing loan
requirements of individual customers. .

If I have funds, is it still worthwhile to avail of a bank loan for buying a house?
It is generally advantageous to take a Housing loan as it would enable you to get tax
exemptions. However, please consult your CA/ income tax advisor to know
benefits/disadvantages in your specific case.

What are the tax benefits of taking an SBH Housing Loan?

Under the Indian Income Tax Act of 1961, resident Indians are eligible for certain tax
benefits on principal and interest components of a loan.
Under Section 24(1), interest repayment of Rs.1,50,000 per annum qualifies for tax
saving under the new Finance Act, provided the property is acquired or constructed with
capital borrowed after April 1, 1999 and the acquisition/construction is completed before
April 1, 2003 , and the property is self occupied..
An added benefit under Section 88 on repayment of principal amount to the extent of Rs
20,000 is also available on the same loan.

How does SBH housing loan compare with those offered by other institutions?
There is total transparency with regard to the rate of interest and the fees charged by us.
- We offer housing loans with the lowest equated monthly installments, i.e. you pay
substantially less in repayments as compared to others.
- We have no upper limit. The loan amount is determined by repaying capacity and the
value of property to be financed.
- We offer loans for the longest tenors (up to 20 years) with the flexibility provided to
reduce the tenor by prepaying the loan without any penalty.
- We provide finance for both new and old houses/flats and for construction of houses.
Cost of furnishing the house can also be included in the project cost.

- With an SBH housing loan you can choose between fixed rates of interest and floating
interest rates.

- We levy interest based on daily reducing balance, unlike the annual reducing balance
method used by several other financiers/banks.
How do I benefit if the interest is calculated on a daily/monthly reducing balance?
On an annual reducing balance method, you will continue to pay interest on amounts you
repay during the coming one year as the interest for the year is determined on the basis of
the balance outstanding at the beginning of the year.
In the case of the daily reducing balance, which is the methodology we employ, your
interest is calculated only on the outstanding loan amount, which reduces every time you
pay off your EMIs or make any prepayments. This in essence lowers your effective rate
of interest significantly.

Education loans

What are the important documents that I need to provide?

You will need to furnish the following documents along with the completed application
form. Relevant information would relate to the guardian and the student both, when the
loan is jointly taken.
· Mark sheet of last qualifying examination for school and graduate studies in India
· Proof of admission to the course
· Schedule of expenses for the course
· Copies of letter confirming scholarship, etc.
· Copies of foreign exchange permit, if applicable.
· 2 passport size photographs
· Statement of Bank account for the last six months of borrower
· Income tax assessment order not more than 2 years old (of the parent)
· Brief statement of assets and liabilities of borrower
If you are not an existing bank customer you would also need to establish your identity
and give proof of residence.

Are there any charges or processing fee?

There is no additional charge or processing fee.

Since there is a moratorium period, how will my repayments be determined?

The outstanding interest for the moratorium period will be added to the loan amount at
the time of commencement of the repayment. The EMI will be determined on this
amount at the time the repayment is to commence.

What is EMI? How is it calculated?

EMI stands for Equated Monthly Instalments. This instalment comprises both principal
and interest components. Your EMI would be calculated depending on the tenor you
choose, to repay your loan. The EMI would be higher if you choose to repay within a
shorter period as against a longer-term loan. A shorter repayment period, however,
reduces your interest cost over the term of the loan.

What is the repayment schedule like?

The repayment would begin one year after the course period or six months after you get a
job, whichever is earlier. You are expected to pay a minimum amount equivalent to the
EMI on a monthly basis. However, you can choose to pay more than the EMI, and we do
not charge any prepayment penalty.

Where can I avail of a SBH educational loan?

The loan is available from all our branches.

Car loans

What makes of cars does SBH finance?

We finance all makes of new cars, and secondhand cars not more than four years old.
Thus, you are free to choose any vehicle you want to own.

What are the documents I would be required to submit?

You would need to submit only the following documents along with the completed
application form if you are an existing account holder of the Bank:
Bank statement for the last 6 months
Two passport size photographs
Latest salary slip· Form 16, in the case of salaried persons
IT returns for the last two financial years, in the case of self employed individuals and
professionals

If you are not an existing bank customer you would also need to establish your identity
and give proof of residence.

Can my spouse's income be included for calculating the loan amount?

Yes, your spouse's income can be included provided he/she guarantees the loan.

What is the repayment schedule like?

The minimum amount that you are expected to pay every month is the EMI. You are
allowed to pay more than the EMI if you wish to, and we do not charge any prepayment
penalty.

What is EMI? How is it calculated?

EMI stands for Equated Monthly Installments. This installment comprises both principal
and interest components. Your EMI would be calculated depending on the tenor you
choose, to repay your loan. The EMI would be higher if you choose to repay within a
shorter period as against a longer-term loan.
Our branches have an EMI chart, based on which your EMI would be arrived at.

How does SBH car loan compare with those offered by other institutions?
There is total transparency with regards to the rate of interest and the fees charged by us.
We offer loans for the longest tenors (84 months) with the flexibility provided to reduce
the tenor by prepaying the loan without any penalty.
We also provide finance for both new vehicles as well as old cars (not more than five
years old)
With an SBH car loan you can also choose between fixed rates of interest and floating
interest rates.
We levy interest based on daily reducing balance, unlike the flat rate of interest or interest
based on annual reducing balance method used by several other financiers
We provide finance for one-time road tax, registration fee and insurance premium
We do not charge any advance EMIs

How do I benefit if the interest is calculated on a daily reducing balance?

In a flat rate of interest (which is what many other players charge), the interest is
calculated for the full tenor of the loan on the amount advanced. In effect you continue to
pay interest on the amount you have already repaid. Similarly, on an annual reducing
balance method, you will continue to pay interest on amounts you repay during the
coming one year.
In the case of the daily reducing balance, which is the methodology we employ, your
interest is calculated only on the outstanding loan amount, which reduces every time you
pay off your EMIs or make any prepayments. This in essence lowers your effective rate
of interest significantly.

Personal loans

What are my loan limits?

Your personal loan limit would be determined by your income and repayment capacity.
Normally you can avail a loan upto Rs.3.00 lacs.

Can my spouse's income be included for calculating the loan amount?

Yes, your spouse's income can be included provided he/she guarantees the loan or the
loan is taken jointly.

What are the important documents that I need to provide?

You will need to furnish only the following documents if you are an existing customer of
the Bank:
Passport size photograph
Proof of official address for self employed individuals and professionals. This can
include shop and establishment certificate/Lease deed/Telephone Bill
Latest Salary clip and Form 16, in the case of salaried persons
IT returns for the last two financial years, in the case of self employed individuals and
professionals

If you are not an existing bank customer you would also need to establish your identity
and give proof of residence.

Do I have to pledge some form of security?

No security is required.

What is the repayment schedule like?

The minimum amount that you are expected to pay every month is the EMI. You are
allowed to pay more than the EMI if you wish to, and we do not charge any prepayment
penalty.

What is EMI?
EMI stands for Equated Monthly Installments. This installment comprises both principal
and interest components. Use the EMI calculator to find out your monthly payments
based on the loan amount, the rate of interest and the repayment period. Choose the
combination that best meets your financial resources and requirements.

Can I prepay the loan? Are there any penalties?

Yes, you can prepay the loan partly or fully, at any stage, without any prepayment
penalty.

What is the processing fee? Are there any other charges?

Processing charges are 1 per cent of the loan amount. This is amongst the lowest fees in
the industry. Processing fees have to be paid upfront. There are no hidden costs or other
administrative charges.

How does SBH Personal loan compare with those offered by other banks?
There is total transparency with regard to the rate of interest and the fees charged by us.
- We offer personal loans at the cheapest rates of interest, with no security or collateral
- We offer loans for the longest tenors (72 months), with the flexibility provided to
reduce the tenor by prepaying the loan without any penalty.
- We provide finance for any personal need or requirement, the total amount being
determined on the basis of repaying capacity.
- With an SBH personal loan you can choose between fixed rates of interest and floating
interest rates.
- We levy interest based on daily reducing balance, unlike the annual reducing balance
method used by several other banks.

How do I benefit if the interest is calculated on a daily reducing balance?

On an annual reducing balance method, you will continue to pay interest on amounts you
repay during the coming one year as the interest for the year is determined on the basis of
the balance outstanding at the beginning of the year.
In the case of the daily reducing balance, which is the methodology we employ, your
interest is calculated only on the outstanding loan amount, which reduces every time you
pay off your EMIs or make any prepayments. This in essence lowers your effective rate
of interest significantly.

Q.1. Can the Housing Loan be sanctioned both as Term Loan and also as an
Overdraft ?
Ans. Yes. Housing Loans would be sanctioned as Term Loan as well as an Overdraft
under SBH Maxgain scheme.

Q.2. What is the maximum amount of loan for Housing purpose ?

Ans. If the borrower’s age is 21-45 years: 60 Net Monthly Income for salaried people,
and 5 Net Annual Income in case of businessman
If the borrower’s age is above 45 years: 48 Net Monthly Income for salaried people and
4 Net Annual Income in case of businessman
The actual loan amount would be determined on the basis of repaying
capacity of the borrower.

Q.3. How about Rate of Interest ?.

Ans. The borrower is free to choose Floating or Fixed Rate of Interest.

The Fixed Rate of Interest is subject to Reset every 3 years. The floating
rate of interest is subject to changes as & when Bank decides to change
BPLR.

Q.4. How is the loan amount disbursed ?.

Ans. Normally the loan amount is disbursed in 3 to 4 installments commensurating the
progress in construction.

Q.5. What is the security to be provided.

Ans. The loan is secured by a) Equitable Mortgage of property, b). If the creation of
Mortgage is not feasible, any tangible security of adequate value in the form of LIC
Policies, Govt. Promissory Notes, Gold Jewellary etc. would be considered.

Q.6. Can the Loan be sanctioned for purchase of Plot alone ?

Ans. Yes. Interest would be charged at Bank’s PLR.(Prime Lending Rate)

Q.7. If the House is not constructed after purchase of plot due to any reason?.
Ans. Normally the Housing loan is sanctioned for purchase of both plot and construction
of House there on. If the borrower does’nt commence construction of House with in 6
months from the date of purchase of plot for any reason, the Housing loan would be
treated as plot loan and interest would be charged at Bank’s PLR.

Q.8. What is the Borrower’s stake?

Ans. 20% for purchase or construction of house / flat / extension of existing house.

Q.9. Can the income of spouse also be computed for arriving at the eligible loan
amount?
Ans. I) If the property is jointly held with the spouse and the spouse is a co-
Borrower,
II) If the property is held in single name and the spouse stands as guarantor

Q.10. Is Take over of Housing loans from other banks/ financial institutitions
Allowed ?
Ans. Yes. Subject to certain conditions.

Q.11. What is the repayment schedule ?

Ans. The maximum repayment period is 20 years or 240 months.
For applicants upto 45 years of age – max. 20 years.
For applicants above 45 years of age – max. 15 years.

Q.12. What are the Processing charges ?

Ans. At present there are no processing charges for sanction of Housing loans.

Q.13. Any Pre-payment charges are levied ?

Ans. Prepayment charges at 2% will be collected.

Q.14. Will the Bank Insure the House ?.

Ans. Yes. The bank will insure the house under SBI Bankassurance scheme.
FAQs / Car Loan
Q.1. What is the maximum amount of loan that can be availed under Car loan

scheme ?

Ans. The maximum amount of Loan : Coupled with Income criteria.

For New Vehicles : No Limit / ceiling
For Used/Refurbished vehicles : Rs.15.00 lakhs
For Salaried people : 36 months Net Monthly Income
For Others : 3 times Net Annual Income

Q.2. Who are eligible under the Scheme?.

Ans. Salaried people / : Net Annual Income Rs.75000/
Self employed Net income per month at least 2
times of EMI. (IT return to be submitted
where ever necessary)
For Agriculturists : Same as above (IT return not required)

Q.3. What is the margin money required?.

Ans. For New as well as Used / Refurbished vehicles:
Loans upto Rs.6.00 lakhs – 15%
Loans above Rs.6.00 lakhs – 30%

Q.4. What is the Rate of interest?.

Ans. For Premium cars : 8.50%
For others up to 3 years : Floating 9.00% Fixed 9.50%
3 to 5 years : 9.25% 9.75%
above 5 up to 7 yrs : 9.50% 10.00%

Q.5. What is the security?.

Ans. Hypothecation of Vehicle, Guarantee of spouse if his/her income is reckoned
for computing eligibility of loan amount and Check-off facility or any tangible
security or TPG good for loan amount.

Q.6. What is the repayment period?.

Ans. For New Vehicle -- up to 7 years.
 For Used / Refurbished vehicle – Maximum repayment would be fixed so that
loan gets repaid within 7 years of the life of vehicle.

Q.7. Any prepayment penalty on Vehicle loans?.

Ans. A prepayment penalty of 2% of the amount prepaid.
Q.1. What is Education Loan?

Ans. Loan sanctioned to a meritorious / deserving student to pursue higher

education in India or abroad.

Q.2. Who are eligible for Education Loan?

Ans. Indian Nationals secured admission to professional / technical courses

through Entrance test / selection process in India / abroad.

Q.3. What are the eligible courses for studies in India?

Ans. School education including plus two stage, Graduation, Post-Graduation

courses and Phd. Courses offered in India by reputed Universities,
Evening courses of approved institutions, other courses leading to Diploma
/ Degree etc., conducted by Colleges / Universities approved by UGC
/ Govt. /AICTE/AIBMS/ICMR Etc.

Q. 4. What are the eligible courses for studies abroad?

Ans. Graduation: For job oriented professional / technical courses offered by

reputed Universities.
Post-Graduation: MCA, MBA, MS etc., courses conducted by CIMA –
London, CPA in USA etc.

Q. 5. What is the quantum of finance?

Ans. Upto Rs. 7.50 Lakhs for studies in India and upto Rs. 15.00 Lakhs for
studies abroad.

Q.6. Whether the second loan is available for higher studies?

Ans. Yes, second loan can also be sanctioned subject to the ceiling of Rs.7.50
Lakhs for studies in India and Rs. 15.00 Lakhs for studies abroad.

Q.7. What is the margin to be borne by the student?

Ans. Upto Rs. 4.00 Lakhs no margin, above Rs4.00 Lakhs 5% for studies in India
and 15% for studies abroad.

Q.8. What type of security is required?

Ans. Upto Rs. 4.00 Lakhs no security would be insisted upon. Above Rs. 4.00
Lakhs upto Rs. 7.50 Lakhs collateral security in the form of Satisfactory
Third Party Guarantee and above Rs. 7.50 Lakhs Collateral security of
suitable value or co-obligance of parents / guardians /third party along with
the assignment of future income of the student for payment of
installments.

For all types of Education Loans irrespective of quantum of loan, the

Parent
/ Guardian should sign the application / loan document as co-obligor.

Q.9. What are the expenses that can be considered for Education Loan?

Ans. Fee payable to College / school / hostel / Examination / Library / Laboratory

etc., would be considered. Purchase of books / equipments / Air tickets
(Travel expenses etc.) would also be computed for arriving at the loan
amount.

Q.10. What is the repayment period?

Ans. Repayable in 5 – 7 years. Repayment commences one year after

completion of course or 6 months after getting gainful employment
whichever is earlier.

Q.11. Is there any concession in interest for prompt re-payment of loan?

Ans. Yes, 0.5% concession in interest, if 0.50% of loan amount is paid every
month towards part payment of interest and 1% concession in interest
during the moratorium period if full interest is paid during the moratorium
period.

Q.12. Is there any processing charge?

Ans. Processing charges of Rs. 5000/- for loans above Rs.4.00 lakhs for studies
abroad.

FAQs / Agriculture advances

What is Kisan Credit Card Scheme?

Scheme is in the nature of revolving Cash Credit.

What are the extra benefits/facilities exgtended through KCC as compared to usual
crop loan?
The Credit needs of the farmer for entire year with his consumption needs are taken into
account while fixing the limit. Farmer can operate the account at his option and as per his
needs within the limit.

Is it working satisfactorily?
The scheme is working satisfactorily, we have issued 3,23,000 Kisan Credit Cards so far.

What are the benefits under PAIS and amount of premium to be borne by a
farmer?
The risks covered under PAIS are as under:
Death due to accident – calim at Rs.50,000
Permanent total disability Rs.50,000
Loss of two limbs or two eyes or
One limb and one eye Rs.50,000
Loss of one limb or one eye Rs.25,000
The farmer has to pay Rs.5/- per annum whereas the bank bears Rs.10/- p.a.

PAIS is covering KCC holders. Is there any other Scheme to cover all other
farmers?
SBI Life Scheme covers other farmers, where yearly premium is Rs.480/- and amount of
claims upto Rs.1.00 lac for death due to any reasons and Rs.2.00 lacs for death due to
Accident are covered, for Rs.50,000 claim amount a premium of Rs.240/- and for
Rs.25,000/- a premium is Rs.120/-.

Is there any other scheme like KcC to take care of farmers' Investment Credit
Requirements?
Kisan Star Card Scheme where farmer can be sanctioned a maximum loan upto Rs.3.00
lacs with 10% for his consumption needs.

What is Kisan Star card Scheme and facilities offered to farmers?

Kisan Star Card Scheme which is a hassle free scheme were farmer can purchase Agri
implements, machinery etc. as far his needs and choice including his consumption
requirement. Maximum number of accounts permitted are 5.

Are Banks giving Produce Marketing Loans?

Yes, the Produce Marketing Loans are given to avoid distress sale of farm produce

What are the benefits to the farmers?

The Crop loan borrowers are given loans at the same interest rate at which he was given
crop loans. The repayment period is upto 12 months.

What are the post harvest schemes available to avoid distress sale?
Produce market loans. Loans for constructing Rural Godowns, Cold Storages, Smaller
Size Farmer godowns are given. Loans against ware house receipts are also given.

How Rural Godowns Scheme beneficial to farmers?

Rural Godowns scheme. The NABARD is giving subsidy upto 25%. The farmer can
substitute to his farm income. It will generage employment. Farmer can keep his own
produce in the godown and avail produce market loan.

What are the margin for Agriculture Loan?

No margin upto Rs.10,000
For crop loans if scale of finance are detrermined taking into account margin. Then no
marging.
For term loans above Rs.10,000/- 15% to 25% depending upon the quantum of loan.

Whether Bank is giving collateral free loans to farmers, if so to what extent?

Upto Rs.25,000/- No Collateral security is asked, above Rs.25,000 equitable mortgage of
farm land or other liquid securities wherever mortgage is not possible.

For Sugarcane growers with tie up arrangement with sugar factories upto Rs.1.00 lac no
collateral security is asked.

Whether banks are giving relief to drought-affected people, if so what are they?
• The existing short term loans are converted into term loan with suitable instalments.
• Fresh crop loan are giving to rejuvenate existing crops or take fresh crops.
• Term loan instalments are postponed.
• Loans are given for repairs of farm machinery, sheds, wells etc.
• Loans are given for purchase of drought animals, milch animals, and to some extent for
his consumption needs.

What type of transportation loans are available from the Bank to the farmers?
Loans are given for purchase of tractors, power tillers, trailers, harvesters, two wheelers,
bullock carts etc.

What type of Macro/minor Irrigation loans are available to farmers?

Loans are given for Lift Irrigation, Minor Irrigation, Drip Irrigation, Sprinklers,
Pumpsets, Borewells, Tube Wells and all types of irrigation systems.

What are interest rates to Agriculture loans under Low Interest Rate Regime?
Bank is giving loans to farmers upto Rs.25,000 below PLR and upto Rs.2.00 lacs at PLR
rates. Our Interest rates are being designed in such a way that no farmer will have to pay
more than 2% above PLR for any type of loan.

Whether compounding of interest is there?

Compounding of interest on current dues are not done, compounding is done only on
overdues.

Whether Banks are giving loans to tenant farmers/share croppers?

We are giving loans upto to Rs 10,000/- to tenant farmers/share croppers without any
collateral, however for loan above Rs.10,000 collateral security is obtained. We have so
far financed 14,008 tenant farmers with a financial outlay of Rs.17.00 crores.

How many SHGs are financed by the Bank and what are future plans for the
current year?
We have financed so far SHGs amounting to Rs._________. We have planned to cover
20,000 groups during the current financial year.

Whether bank is extending any training to SHGs and Rural Artisans?

We have opened a Rural Training Institute at Hasanparthi at Warangal to take care of
training needs of SHG and Rural Artisans.
We are organizing Kisan Melas, Dealers Meet to educate the farmers about various
schemes, products. Programmes from experts in the field of Agri, Horticulture, Animal
Husbandry etc. are also organized to disseminate information on production of various
crops and adoption of modern techniques of farming.

About State Bank of Hyderabad / A Profile

State Bank of Hyderabad was constituted as Hyderabad State Bank on 08.08.1941 under
Hyderabad State Bank Act, 1941. The Bank started with the unique distinction of being
the central bank of the erstwhile State of Hyderabad, covering present-day Telangana
region of Andhra Pradesh, Hyderabad – Karnataka of Karnataka state and Marathwada of
Maharashtra state, to manage its currency – Osmania Sikka and public debt apart from
the functions of commercial banking. The first branch of the bank was opened at
Gunfoundry, Hyderabad on 5th April, 1942.

In 1953, the Bank took over the assets and liabilities of the Hyderabad Mercantile Bank
Ltd. In the same year, the Bank started conducting Government and Treasury business as
agent of Reserve Bank of India. In 1956, the Bank was taken over by Reserve Bank of
India as its first subsidiary and its name was changed from Hyderabad State Bank to State
Bank of Hyderabad. The Bank became a subsidiary of State Bank of India on the 1st
October 1959 and is now the largest Associate Bank of State Bank of India.

All the branches of the Bank are totally networked under Core Banking Solutions,
offering a vide range of products to it’s customers. All the customers of the Bank have
access to the latest technologies like Internet Banking, ATMs etc. The Bank has pan India
presence and operates through more than 1000 Bank branches.

Balance Sheet Get Balance Sheet for:

GO

View: Annual Data | Quarterly Data All numbers in thousands

Period Ending Sep 30, 2010 Sep 30, 2009 Sep 30, 2008
Assets
Current Assets
Cash And Cash Equivalents 59,494 54,447 99,788
Short Term Investments - - -
Net Receivables 107,438 83,290 87,915
Inventory 604,357 559,689 598,195
Other Current Assets 23,486 18,492 19,748
Total Current Assets 794,775 715,918 805,646
Long Term Investments - - -
Property Plant and Equipment 168,119 151,252 156,260
Goodwill 478,240 494,135 424,963
Intangible Assets 109,352 78,685 85,434
Accumulated Amortization - - -
Other Assets 38,926 50,742 54,720
Deferred Long Term Asset Charges - - -
Total Assets 1,589,412 1,490,732 1,527,023
Liabilities
Current Liabilities
Accounts Payable 404,607 349,668 337,847
Short/Current Long Term Debt 3,045 24,517 100,601
Other Current Liabilities - - -
Total Current Liabilities 407,652 374,185 438,448
Long Term Debt 1,559,591 1,653,013 1,724,684
Other Liabilities 40,692 43,586 23,711
Deferred Long Term Liability Charges 41,803 33,599 37,256
Minority Interest - - -
Negative Goodwill - - -
Total Liabilities 2,049,738 2,104,383 2,229,983
Stockholders' Equity
Misc Stocks Options Warrants 946 1,800 5,884
Redeemable Preferred Stock - - -
Preferred Stock - - -
Common Stock 1,822 1,819 1,815
Retained Earnings (1,093,030) (1,236,858) (1,335,975)
Treasury Stock (103) (33) -
Capital Surplus 650,315 635,519 622,511
Other Stockholder Equity (20,276) (15,898) 8,689
Total Stockholder Equity (461,272) (615,451) (702,960)
Net Tangible Assets (1,048,864) (1,188,271) (1,213,357)

Currency in USD.

Income Statement Get Income Statement for:

GO

View: Annual Data | Quarterly Data All numbers in thousands

Period Ending Sep 30, 2010 Sep 30, 2009 Sep 30, 2008
Total Revenue 2,916,090 2,636,600 2,648,191
Cost of Revenue 1,511,716 1,393,283 1,413,597

Gross Profit 1,404,374 1,243,317 1,234,594

Operating Expenses
Research Development - - -
Selling General and Administrative 1,012,321 899,415 903,146
Non Recurring - - -
Others 51,123 47,066 48,533

Total Operating Expenses - - -

Operating Income or Loss 340,930 296,836 282,915

Income from Continuing Operations

Total Other Income/Expenses Net - - 700
Earnings Before Interest And Taxes 340,930 296,836 283,615
Interest Expense 112,982 132,022 159,816
Income Before Tax 227,948 164,814 123,799
Income Tax Expense 84,120 65,697 46,222
Minority Interest - - -

Net Income From Continuing Ops 143,828 99,117 77,577

Non-recurring Events
Discontinued Operations - - -
Extraordinary Items - - -
Effect Of Accounting Changes - - -
Other Items - - -
Net Income 143,828 99,117 77,577
Preferred Stock And Other Adjustments - - -

Net Income Applicable To Common Shares 143,828 99,117 77,577

Currency in USD.