DEPOSIT SCHEMES Whatever your needs - an investment of your surplus funds or to create a fund for your childrens' education

and marriage. You will find a product from SBI that suits your requirement, delivered at a branch close to you. Open an account with any of our branches, all of them are fully computerised, and realise the advantage of our vast network. Place funds in Multi Option Deposit Scheme, a term deposit which is not fixed at all and comes with a unique break-up facility which provides you full liquidity as well as benefits of higher rates of returns, through your savings bank account. Alternately, keep that deposit intact by availing an overdraft facility, to meet your occasional temporary funds requirements. Want to build up savings slowly? Discover our Recurring Deposit Account. You can save a little every month to build up the desired corpus to meet your future requirement of funds. Our products are designed with flexibility to suit your personal requirements. Enjoy 24 hour banking facility through our Internet Banking/ widest network of ATMs. Please watch this space for more details. Current Account Savings Bank Account Term Deposits Savings Plus Account Basic Banking 'No frills Account' Recurring Deposit Account

Special Term Deposits Multi Option Deposit Scheme Scheme Demat Account

PREMIUM SAVINGS ACCOUNT Rate of Interest on Domestic Term Deposits SBI Tax Savings Scheme, 2006

SAVINGS PLUS ACCOUNT

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Savings Plus Account is a Savings Bank Account linked to MODS, wherein surplus fund above a threshold limit from the Savings Bank Account is transferred automatically to Term Deposits opened in multiples of Rs. 1000. Any surplus funds in the account exceeding the threshold limit (to be set by the customer), for a minimum amount of Rs.10,000/- and in multiple of Rs.1000/- in any one instance, are transferred as Term Deposit and earns interest as applicable to Term Deposits. Account holder has the flexibility to choose the period of deposit from 1 year to 5 years and to set any threshold limit of Rs.5,000/- or above. Payments in excess of available balance in the Savings bank Account can be made by breaking MODs Last In First Out.

SAVINGS BANK ACCOUNT

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Key features: No Minimum Balance requirement. Personal Accident Insurance of Rs. 4 lacs available at an annual Premium of Rs. 100/ Earn Interest at 4.00% p.a. Transferability of accounts Multicity cheques available. Internet Banking, Mobile Banking, Kiosk Banking available. Safe Deposit lockers available. Interest is calculated on a daily balance ATM-cum-Debit Card Multiple variants of ATM-cum-Debit Card like Gold Card, International ATM-cum-Debit Card, etc. available can be used withdraw cash, balance enquiry, payment of insurance premiums, donations, card-to-card transfer etc. and to shop at a large number of Merchant Establishments in India. Internet Banking Internet Banking can used be for multiple operations like i. ii. iii. iv. v. vi. vii. viii. ix. x. xi. xii. Opening and closing of Fixed Deposit and Recurring Deposit Account. Fund transfer. Utility bill payments. Online shopping including rail tickets booking. RTGS/NEFT. Investing in IPOs through ASBA. Western Union Money Transfer. e Tax deposit. View Account statement and Demat operations. Set up Standing Instructions. View Form 26 AS (Income Tax ledger). Outward foreign remittance.

xiii.

Internet Banking can be accessed on mobile https://m.onlinesbi.com with mobile friendly features.

phone

through

Mobile Banking Service over Application/ Wireless Application Protocol (WAP) The following functionalities are available through Mobile Banking: i. ii. iii. iv. v. Funds transfer (within and outside the bank) Interbank Mobile Payment Services (IMPS). Enquiry services (Balance enquiry/ Mini statement) Cheque book request Bill Payment (Utility bills, credit cards, Insurance premium), Donations, Subscriptions Mobile Top up M-Commerce

vi. vii.

Auto Sweep facility Savings Bank Account can be linked to Multi Option Deposit (MOD) Account for earning additional interest on surplus money.Automatic break up of MOD takes place in case there is a shortfall in the SB account to honour the cheque drawn. Multi-city Cheques 50 Multicity cheque leaves (plus cheques given along with welcome kit) free in the first instance thereafter Rs. 2/- is charged for each subsequent leaf.

YUVA SAVINGS BANK ACCOUNT

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It is a special Savings Bank product for the youths. Eligibility Residents, above 18 years of age and upto 30 years of age, at the time of entry. Account to continue as it is, even if the account holder attains the age of 30 years. ATM- cum-Debit card facility Yuva Card (Visa), which have many concessionary/ complementary facilities, will be issued free of cost. Remittance/ collection o One draft / Bankers Cheque will be issued free, per calendar month, favouring Educational Institutions or for applying jobs. o Free collection of one cheque, with a ceiling of Rs. 20,000/- per month.

 Other Facilities As applicable to Normal Savings Bank Account.

TERM DEPOSITS
Key features: Period of deposit from 7 days to 10 years. Deposit Amount: Minimum: Rs.1000/-, Maximum: No limit Payment of interest requirement. at Monthly/Quarterly/Calendar quarter

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basis

as

per

Payment of interest on monthly interval will be at discounted rate. TDS will be deducted when interest is paid or accrued or reinvested per customer, per branch, exceeds Rs. 10,000 in a financial year. Loan/overdraft up to 90% of term deposit amount. Interest rate will be charged at 0.50% over the rate paid on the deposit.

Premature Withdrawal For single deposit of Rs. 15 lacs and above but below Rs. 1 Crore, there shall be no penalty for premature withdrawal of deposits with tenure below 1 year provided the deposit has remained with the bank for at least 7 days.. In other cases, the interest shall be paid at 0.50% below the interest rate applicable for the period the deposit had remained with the Bank or 0.50% below the contracted rate, whichever is lower. However, no interest will be paid if the deposit had remained for less than 7 days.

Automatic renewals will take place only where there is no maturity instructions recorded at the time of opening the Term Deposit account or before maturity of deposit.

RECURRING DEPOSIT
Key features Monthly deposits of Minimum Rs.100/- no maximum. Minimum period 12 months maximum 120 months.

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Rate of interest as applicable to Banks TDR / STDR for the period of the RD. Loan / Overdraft up to 90% available against the balance in RD account. TDS is not applicable.

REINVESTMENT PLAN
Period of term deposit from 6 Months to 10 years.

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All the features of TERM Deposit with Interest compounded quarterly. Maturity mandates obtained at the time of placing deposits. If no mandate is available, then renewed automatically for the similar period at the prevailing interest rate at the time of renewal. Flexibility to convert Special Term Deposit to Term Deposit and vice versa.

SBI Home Loans

"THE MOST PREFERRED HOME LOAN PROVIDER" voted inAWAAZ Consumer Awards along with the MOST PREFERRED BANK AWARD in a survey conducted by TV 18in association with AC Nielsen-ORG Marg in 21 cities acrossIndia. SBI Home Loans come to you on the solid foundation of trust and transparency built in the tradition of State Bank of India. Best Practices followed in SBI mentioned below will tell you why it makes sense to do business with State Bank of India.

SBI Home Loans Unique Advantage Package of exclusive benefits. Low interest rates. Further, we charge interest on a daily reducing balance!! Low processing charges. No hidden costs or administrative charges. No prepayment penalties. Reduce your interest burden and optimally utilize your surplus funds by prepaying the loan. Over 13,700 branches nationwide, you can get your Home Loan account parked at a branch nearest to your present or proposed residence.
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FEATURES
Eligibility: Minimum age: 18 years as on the date of sanction Maximum age: 70 years. i.e. the age by which the loan should be fully repaid, subject to availability of sufficient, regular and continuous source of income for servicing the loan repayment.

Loan Amount: Actual loan amount will be determined taking into consideration such factors as applicants income and repaying capacity, age, assets and liabilities, cost of the proposed house/flat etc. To enhance loan eligibility you have option to add: 1) Income of your spouse/ your son/ daughter living with you, provided they have a steady income and his/ her salary account is maintained with SBI. Expected rent accruals (less taxes, cess, etc.) if the house/ flat being purchased is proposed to be rented out. Depreciation, subject to some conditions. Regular income from all sources.

2)

3) 4)

Security: Equitable mortgage of the property

Margin/ LTV Ratio: Individual Home Loan Amount Upto Rs. 20 Lacs Margin (Min.)(%) 10 LTV Ratio (%) 90 80

Above Rs. 20 Lacs. and upto Rs. 75 20 lacs Above Rs. 75 lacs 25

75

SBI NEW CAR LOAN SCHEME

SBI provide the best car loan scheme for you. Salient features: No Advance EMI; Longest repayment tenure (7 years); Lowest interest rates; Lowest EMI; LTV 85% of 'On Road Price' of car (includes registration, insurance and accessories worth Rs 25000), 90% in case of Corporate Salary Package accounts; Interest Calculated on Daily Reducing Balance; Flexibility of payment of EMI anytime during the month;

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cost of

No pre-payment penalty; Optional SBI Life cover; Overdraft facility available.

Purpose For purchase of new passenger cars, Multi Utility Vehicles (MUVs) and SUVs. Eligibility To avail an SBI Car Loan, you should be : Individual between the age of 21-65 years of age. Regular employee of State / Central Government, Public Sector Undertaking, Private company or a reputed establishment. Professionals, self-employed, businessmen, proprietary/partnership firms who is an income tax assessee. Person engaged in Agricultural and allied activities. Net Annual Income Rs. 2,50,000/- and above.

Loan Amount There is no upper limit for the amount of a car loan. A maximum loan amount of 48 times of Net Monthly Income or 4 times of Net Annual Income can be sanctioned.

Documents Required You would need to submit the following documents along with the completed application form: 1. 2. 3. 4. 5. 6. 7. Margin 15% of the on road price (which includes vehicle registration charges, insurance, onetime road tax and accessories). Statement of Bank account of the borrower for last 6 months. 2 passport size photographs of borrower(s). A copy of passport /voters ID card/PAN card. Proof of residence. Latest salary-slip showing all deductions I.T. Returns/Form 16: 2 years for salaried employees and 2 years for professional/self-employed/businessmen duly accepted by the ITO wherever applicable Proof of official address for non-salaried individuals

Repayment You can enjoy the longest repayment period in the industry with us as long as 84 months. Reimbursement of costs of car purchased by own sources

We also reimburse finance for the cars purchased out of own funds which are not more than 3 month old at rate of interest applicable to New Car.

2-WHEELER LOAN
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SBI provide the best Two- Wheeler loan scheme for you to take a loan for purchase of new Two- Wheeler. SBI offers you: No Advance EMI; Lower interest rates Lowest EMI; LTV 85% of On Road Price of vehicle; Interest Calculated on Daily Reducing Balance; Flexibility of payment of EMI anytime during the month; Low processing fee (only 1.22% of loan amount); Free Accidental insurance ; Optional SBI Life cover.

The Scheme Purpose To provide finance for purchase of new Two-wheelers viz. scooter/motor cycle/ moped/battery-operated vehicles. Eligibility To avail an SBI Car Loan, you should be : Individual between the age of 21-65 years of age. A Permanent employee of State / Central Government, Public Sector Undertaking, Private company or a reputed establishment or A Professionals or self-employed individual who is an income tax assessee or A Person engaged in agriculture and allied activities. Minimum Net Annual Income Rs. 75,000 (for regular petrol/diesel/gas operated scooters & motor cycles) and Rs. 60,000 (mopeds and battery-operated Twowheelers)

Salient Features Loan Amount For salaried persons, the maximum loan amount is restricted to 6 times Net Monthly Income (NMI), i.e. net of all deductions including actual monthly tax deductions at source. In case of others, the maximum loan amount is restricted to half of Net Annual Income (NAI), i.e. income as per latest income tax return filed less taxes payable. For agriculturists, the net annual income should be arrived based on the nature of their activity (i.e. farming, dairy poultry, orchards, etc) land holding, cropping pattern, yield, etc., and average level of income derived there from in the area.

Documents Required The following papers are to be submitted along with loan application: 1. Statement of Bank account of the borrower for last 12 months. 2. 2 passport size photographs of borrower(s). 3. Signature identification from bankers of borrower(s). 4. A copy of passport /voters ID card/PAN card. 5. Proof of residence. 6. Latest salary-slip showing all deductions and TDS certificate-Form 16 in case of salaried persons 7. Copy of Income Tax Return for last two financial years, duly acknowledged by ITO for professionals, self-employed and others. 8. Proof of official address for non-salaried individuals. Margin 15% of the on the road price (which includes vehicle registration charges, insurance, one-time road tax).

Repayment You can repay the loan within 36 months.

XPRESS CREDIT PERSONAL LOAN

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Do you want funds readily available to you whenever you desire or need, be it a sudden vacation that you plan with your family or urgent funds required for medical treatment? SBI Xpress Credit Personal Loan is the answer to your questions. Access this facility from over 13000 branches across the country and confidently face the challenge of meeting any kind of personal expenses!!

Enjoy the SBI Advantage:

Low interest rates. Further, we charge interest on a daily reducing balance!! Low processing charges; only 1% of loan amount No hidden costs or administrative charges. No security required which means minimal documentationsomething that you had always wanted. No prepayment penalties. Reduce your interest burden and optimally utilize your surplus funds by prepaying the loan (1% of the loan amount will be charged if you repay the loan before 6 months) Long repayment period of up to 60 months

The Scheme Purpose We provide personal loans to the employees of specific companies (mentioned below) at zero margin, low security, very competitive interest rates with fast and easy processing. a) Leading PSUs b) Govt. organizations c) Quasi-Govt. organizations d) Reputed private sector organizations

Eligibility Income Rs.5000/- [may be reduced to 3000/- only if salary A/cs of entire enterprise are with us] EMI/NMI Ratio should not exceed 50 Loan Amount Min: Rs.24,000/ Max: 24 X NMI (Demand Loan) with an upper ceiling of Rs.15.00 lacs Repayment Period Min 6 month Max 60 month / 5 years

Margin Nil Processing Fees 1% of the Loan Amount

SBI SARAL PERSONAL LOAN

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Do you want funds readily available to you whenever you desire or need, be it a sudden vacation that you plan with your family or urgent funds required for medical treatment? SBI Saral - Personal Loan is the answer to your questions. Access this facility from over 3000 branches across the country and confidently face the challenge of meeting any kind of personal expenses!! Enjoy the SBI Advantage : Low interest rates. Further, we charge interest on a daily reducing balance!! Low processing charges; only 2%-3% of loan amount No hidden costs or administrative charges. No security required which means minimal documentationsomething that you had always wanted. No prepayment penalties. Reduce your interest burden and optimally utilize your surplus funds by prepaying the loan (1% of the loan amount will be charged if you repay the loan before 6 months) Long repayment period of up to 48 months.

The Scheme Purpose The loan will be granted for any legitimate purpose whatsoever (e.g. expenses for domestic or foreign travel, medical treatment of self or a family member, meeting any financial liability, such as marriage of son/daughter, defraying educational expenses of wards, meeting margins for purchase of assets etc.)

Eligibility You are eligible if you are a Salaried individual of good quality corporate, self employed engineer, doctor, architect, chartered accountant, MBA with minimum 2 years standing. Salient Features Loan Amount Your personal loan limit would be determined by your income and repayment capacity. Minimum : Rs.24,000/- in metro and urban centres Rs.10,000/- in rural/semi-urban centres

Maximum : 12 times Net Monthly Income for salaried individuals and pensioners subject to a ceiling of Rs.10 lacs in all centres Documents Required Important documents to be furnished while opening a Personal Loan Account:

For existing bank customers Passport size photograph From salaried individuals Latest salary slip and Form 16

Margin We do not insist on any margin amount. Interest Rates: Click here for Interest Rates Repayment The loan is repayable in 48 EMI. You are allowed to pay more than the EMI if you wish to, without attracting any prepayment penalty. Security NIL Processing Fee Processing charges are 2-3% 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.

PERSONAL LOAN AGAINST THIRD PARTY SECURITY

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Base Rate 9.70 % w.e.f. 04.02.2013 Loans against NSCs/KVPs/RBI Relief Bonds/Surrender Value of SBI Life /LIC/SBI Magnums, etc. Tenure Upto 3 years More than 3 years and below 6 years Rate of Interest 4.50% above Base Rate, currently 14.20% p.a. 4.50% above Base Rate, currently 14.20% p.a.

CAR LOANS
Interest Rates w.e.f. 04.02.2013 (Base Rate 9.70 % p.a.) SBI CAR LOAN SCHEME Tenure Rate of Interest For Term Loan and Overdraft: 0.75% above Base Rate, i.e. 10.45% p.a.

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For all tenures

NRI Car Loan Tenure For all tenures Rate of Interest 0.75% above Base Rate, i.e. 10.45% p.a

Two - Wheeler Loan Tenure Up to 3 years Rate of Interest 8.25% above Base Rate i.e. 17.95% p.a.

Used Vehicles Tenure Up to 3 years Above 3 yrs Rate of Interest 7.25% above Base Rate i.e. 16.95% p.a. 7.50% above Base Rate i.e. 17.20% p.a.

Certified Pre-owned Car Loan scheme Tenure Up to 3 years Above 3 yrs Rate of Interest 6.00% above Base Rate i.e. 15.70% p.a. 6.50% above Base Rate i.e. 16.20% p.a.

SBI COMBO LOAN SCHEME

Tenure For all tenures

Rate of Interest For Term Loan 0.75% above Base Rate i.e. 10.45% p.a.

NOTE: ALL INTEREST RATES ARE SUBJECT TO CHANGE, WITHOUT NOTICE

HOME LOANS - INTEREST RATES With effect from 04.02.2013

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All Rate are floating only (Base Rate= 9.70% p.a.) Loan Amount Linkage with BaseEffective Rate Rate over the tenor of the loan

Upto Rs. 0.25% above Base9.95% p.a. 30.00 lacs Rate Above Rs. 0.40% above Base10.10% p.a. 30.00 lacs Rate No fixed rate option in any limit bracket.

DOMESTIC TERM DEPOSITS

The revised interest rates for Domestic Term Deposits Below Rupees One Crore effective from the 1st April 2013 would be as under:
(All figures in % per annum)

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Rates w.e.f.01.04.2013 (No change) 7 days to 90 days 91 days to 179 days 180 days 181 days days to 240 less 6.50 6.50 6.50 6.50 6.50 8.75 8.75 8.75 8.75

241 days to than 1 year

1 year to less than 2 years 2 years to less than 3 years 3 years to less than 5 years 5 years and up to 10 years

RESIDENT INDIAN SENIOR CITIZENS DEPOSIT RATES The premium for Senior Citizens will be 0.25% per annum on retail deposits of one year and above. Accordingly, the interest rates payable on deposits to resident Indian Senior Citizens (60 years and above) for Domestic Term Deposits Below Rupees One Crore effective from the 1st April 2013 is as under:
(All figures in % per annum)

Rates w.e.f.01.03.2013 (No change) 7 days to 90 days 6.50

91 days to 179 days 180 days 181 days days to 240 less

6.50 6.50 6.50 6.50 9.00 9.00 9.00 9.00

241 days to than 1 year

1 year to less than 2 years 2 years to less than 3 years 3 years to less than 5 years 5 years and up to 10 years

The interest rate payable to SBI Staff and SBI pensioners will be 1.00% above the applicable rates. The rate applicable to SBI Pensioners of age 60 years and above will be 1.00% above the rate payable to resident Indian senior citizens i.e. SBI resident Indian Senior Citizen Pensioners will get both the benefits of Staff (1%) and resident Indian Senior Citizens (0.25%). The proposed rates of interest shall be made applicable to fresh deposits and renewals of maturing deposits. The interest rates on SBI Tax Savings Scheme 2006(SBITSS) schemes and NRO deposits shall be aligned as per the proposed rates for domestic term deposits. However, NRO deposits of Staff are not eligible for additional 1% interest otherwise applicable to staff domestic retail deposits , these rates of interest shall also be made applicable to domestic term deposits from Cooperative Banks. Premature Withdrawal: (a) For Single term deposit of less than Rs 15 lacs, in case of premature withdrawals, the interest rate shall be 0.50% below the rate applicable for the period the deposit remained with the bank or 0.50% below the contracted rate whichever is lower for all tenorsprovided these have remained with the bank for at least 7 days. (b) However, for Single term deposit of Rs 15 lacs and above but below Rs 1 Crore, for tenors below 1 year, there shall be no penalty for premature withdrawal of deposits provided these have remained with the Bank for atleast 7 days. (c) For Single term deposit of Rs 15 lacs and above but below Rs 1 crore, for tenors of 1 year and above in the case of premature withdrawals, the interest rate shall be 0.50% below the rate applicable for the period the deposit remained with the bank or 0.50% below the contact rate whichever is lower provided these have remained with the bank for at least 7 days. (d) These instructions for premature withdrawals will apply only to fresh deposits and renewed maturing deposits. (e) There is no discretion for reduction/waiver of penalty for premature withdrawal of term deposits.

(f) 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 the deposit has remained with the Bank.

The revised interest rates on Domestic Term Deposits of Rs One Crore & above with effect from 7th June 2013would be as under:
Existing w.e.f. 01.03.2013 for Senior Citizens

Tenors

Existing w.e.f.01.03.2013 for Public

Revised w.e.f.07.06.2013 for Public

Revised w.e.f.07.06.2013 for Senior Citizens

7 days to 180 days 181 days to 270 days 271 days to less than 1 year 1 year to less than 2 years 2 years to less than 5 years 5 years to 10 years

7.50%

7.25%

7.50%

7.50%

7.50%

7.25%

7.50%

7.50%

7.50%

7.25%

7.50%

7.50%

8.75%

8.75%

9.00%

9.00%

8.75%

8.75%

9.00%

9.00%

8.75%

8.75%

9.00%

9.00%