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Quick Success Series - Technology

April 24, 2010

Quick Success Series

Technology

Promotional Exams for the Year


2012-13 are round the corner. We
at SBLC Deoghar, have made a sincere & honest effort to present all
information spread over various
guides, books & circulars on a particular topic through our Quick
Success Series for your benefit.
We have taken all care to provide
correct, complete though concise
information related to the topic. In
case any discrepancy is observed
please feel free to advise us
through Email or Mobile as given
below.
We are indebted to numerous callers from the length and breadth of
the country who have compelled
us to revise and update the series
so that it can help them to achieve
their career goals.
We also thank many readers who
succeeded in their exams and expressed their gratitude through
emails and calls encouraging us to
continue our efforts.
I thank Sri Shailesh Kumar (ex faculty), who conceived the idea of
QSS. Also my sincere thanks to
faculty members
Sri A.
K. Mishra, Sri S.P.Jha,
Sri Rajeev Shankar, Sri Champak Das
and
Sri Rakesh Roshan, who
have worked hard to update and
revise the current series.
Wishing you all grand success

S K Rana
Assistant General Manager,
State Bank Learning Centre,
Deoghar- 814112

Origianlly Compiled By: Shailesh Kumar


Update By: Rakesh Roshan
Manager Training, SBLC Deoghar
Mobile- 9162370185
Email- r.roshan@sbi.co.in

Phone- 06432-232895
Fax - 06432-231810
E-mail: agmstc.deoghar@sbi.co.in

Updated Upto 15thMar 2012

[Type text] Page 1

Quick Success Series - Technology


Mar 15, 2012

ABBREVIATIONS
RAM - Random Access Memory
ROM Read Only Memory
CPU Central Processing Unit
CDMA- Code Division Multiple Access
EDP Electronic Data Processing
EDI - Electronic Data Interchange
EFT - Electronic Fund Transfer
GPRS General Packet Radio Service
MICR - Magnetic Ink Character Recognition
WWW - World Wide Web
SFMS - Structured Financial Messaging Solutions
GUI - Graphical User Interface
HTMLHyper Text Markup Language
HTTP Hyper Text Transfer Protocol
FTP File Transfer Protocol
ISDN Integrated Service Digital Network
IMPS- Interbank Mobile payment service.
VSAT - Very Small Aperture Terminal
USSD - Unstructured Supplementary Services
Data
SAR- Chip based card in Saudi Riyal
SGD-Singapore Dollar currency
TERMINOLOGY
BIT The smallest amount of information that can be transmitted
BYTE A unit of information that corresponds to a character (Eight bits)
FTP A protocol used to provide file
transfers across a wide variety of systems
UPLOAD - To Transfer a file from Clients
computer to hosts computer (Server)
DOWNLOAD - To Transfer a File From Host
(Server) to Clients Computer
URL - Uniform Resource Locator, the form of
the site address that reveals the name of
server where the sites files are stored
ENCRYPTION -Conversion of Plain Text to Cipher Text using certain logic
DECRYPTION -Conversion of Cipher Text message to plain Text
ATM
ATM stands for- Automated Teller Machine
FIRST ATM in the world was installed by Barclays Bank in London in 1967
FIRST ATM in INDIA was installed by HSBC in
Kolkata in 1987
FIRST PSB to Install ATM in INDIA Indian
Bank

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Installation of FIRST ATM By SBI- At Jamshedpur in 1993


ATM Switch Centre (ASC) is located at CBD
Belapur, Navi Mumbai
Application software used at ASC- Base 24
supplied by ACI Worldwide, Singapore
Tandem Server of HP Himalaya Series is installed at ASC. It is fail-safe, fault tolerant &
highly scaleable.
PIN authentication hardware installed at ASC
Host Security Module (HSM) supplied by
Racal, UK
Connectivity to the ATM network is through
State Bank Connect, VSATs and CDMA
Connectivity Service Providers: Sate Bank
Connect Datacraft; VSAT HCL Comnet;
CDMA Reliance Infocomm
Central Hub of HCL Comnet is located at NOIDA.
CDMA technology is used where SB Connect is
not available and CDMA Signals are powerful.
It also has a distinct advantage over VSATs in
that no permission is required from the landlord for its set up.
ASC has been awarded with the ISO Certification - 27001 indicating highest technical and
Security/safety standards
ATM Maintenance Service Providers NCR,
DIEBOLD & FSS
Facility Management Services at ASC is provided by Financial Software & Systems (P) Ltd
(FSS) Chennai.
PBF Updation Process at ASC is managed by
Laser Soft Infosystems Ltd. (LSIL)
Uploading Data on ATM Web for entire State
Bank Group is also being done by LSIL
ATM Card is a plastic card with a magnetic
stripe on the reverse containing relevant details of the Card Holder.
Presently ATM cum Debit Card is being issued
with the Brand Name as State Bank Cash Plus
The front face of the card displays 19 digit card
number in addition to the name of the cardholder
& the month from which the card is valid. The Debit Card portfolio of the Bank has the following
types of Cards, at present:
(a) Debit Cards with a long validity period (i.e., all
Maestro Cards having expiry date as Jan
2049)
(b) Debit Cards with a validity period of 5 years
from date of issue (i.e., Gold International,

Quick Success Series - Technology


Mar 15, 2012
Platinum International, Silver International, Classic, Yuva Debit Cards, etc.).These Cards
are being issued on VISA/MasterCard platform.
2. The Bank has decided to renew the Cards mentioned in (b) above without the customer
making request for the same. The Renewal Policy
for such Debit Cards is given below:
The renewed Card will be 16 digit PIN-based
with fall back on signature in line with our
New Debit Card will be issued on the same
platform (Visa/MasterCard) as the existing
Card which is about to expire.
(ii) The renewed Card will have a new number
(i.e., different from the number of the existing
Card) and will also have a new PIN.
(iii) The existing Card will not be renewed if, at
the time of renewal,
(a) The status of the Card is blocked
(b) The Card has not been used at all during
the entire validity period, or
(c) The primary account is inoperative/closed.
(iv) The renewed Card will have all the accounts linked as was with the old Card.
(v) The renewed Card will be sent to the customer and the PIN for the renewed Card will
be sent to the current Home Branch of the
primary account as per the record
available with the Bank. The renewed Cards
and PINs will be sent to customers /
Branches respectively 2 to 3 months in advance.
The new Card will be issued in the active
mode
The expiry date of the old Card is the last day
of the month which is mentioned as expiry
month on the Card.

The first 6 digits of the ATM Card number


represent the Banks Institutional Identification Number (BIN), the next five digits
represent the branch code, 12th digit

represents type of card (0-domestic, 7-Kisan,


8- International), next 6 digits represent the
serial number of card issued at the branch
and the last digit is the check digit.
Personal Identification Number (PIN) is a 4
Digit Number
PIN can be changed on SB group ATMs only.
In case the PIN is entered wrongly thrice in
succession, the ATM will not permit any more
attempts during that day.
SBI ATM Cards are Processed & Issued By
Venture Infotek Global Private Ltd, DEI Cards
& Fulfillment Division, Global IT Centre, CBD
Belapur
All Savings Bank & Current Account holders
are eligible for issuance of ATM-cum-Debit
Card except in case of: Accounts operated
jointly by all the account holders, Minors excluding those who are eligible to open and
operate cheque book facility account and Illiterate Customers.
In case of joint accounts operated by Either
or Survivor or Anyone or Survivor a card
may be issued to each account holder authorized to operate the account.
In case of joints accounts operated by Former
or Survivor, the card can be issued only to the
Former.
Two new variants of ATM cardsSTATE BANK
CLASSIC DEBIT CARD & STATE BANK SILVER
INTERNATIONAL DEBIT CARD introduced.
State Bank Classic Debit Card : A 16-digit PINbased (Signature fallback)MasterCard / VISA
Debit Card with CVV and Expiry date of 5
years from the date of issue for all new non
Cheque Book accounts. This card is valid only
in India, i.e. for domestic transactions, and
State Bank Silver International Debit Card: A
16-digit PIN-based (Signature fallback) MasterCard / VISA Debit Card with CVV and Expiry
date of 5 years from the date of issue for all

Card Type
Daily Cash Withdrawal Limit(India/Abroad) Daily POS Limit(India/Abroad)
1. Domestic
Rs 40000/NA
Rs 50000/NA
2. International
Rs 45000/USD 1000
Rs 100000/USD 2000
3. Visa Gold/Master
Gold/YUVA Card Rs 50000/USD 1000
Rs 200000/USD 4000
4. Platinum Intl
Card
Rs100000/USD 2000
Rs 200000/USD 4000

Page 3

Quick Success Series - Technology


Mar 15, 2012

new Cheque Book accounts.


Value Propositions Classic Daily Cash Limit at
ATMs Rs 40,000 Silver Rs 40,000 Daily PoS
Limit Rs 50,000 Silver Rs 75,000
Classic:Domestic (valid in India)Silver: International Debit Card
SMS Alert Cash withdrawal / PoS spend
For all ATM/PoS transactions
Loyalty Points Classic & Silver
(1 point=25paise) 2.5 points per
Rs 100 spend at PoS
Charge For Issue of New ATM Card -NIL
Annual Service Charge from 2nd YR - Rs 100/Replacement of Debit Card if magnetic stripe /
Chip of the card is not working / card is damaged-Nil for replacement. Rs. 100/- from the
second replacement onwards.
Replacement of Debit Card, if card is lost-Rs.
200/- per replacement
Maestro Debit Card holders are given Master
Card as replacement card-Nil
Replacement of card if validity of Debit Card
has expired-Nil
Charge For Issuance of Duplicate/ATM Card Rs 200/Charge for Issue of International ATM Card Rs 200/Annual Service Charge for Intl Cards from 2nd
YR - Rs 100/Charge for Issue of Platinum Intl Debit Card
NIL
Annual Service Charge for Platinum Intl Card
from 2nd Year Rs 100
Charge for Issue of Duplicate PIN - Rs 50/ATM Card Returned by Courier due to wrong
Address Rs 50/Charge for Using Other Banks ATM (SB A/C)
Permissible Max. 5 transactions including
Cash Withdrawal and Balance enquiry in a
Month Free- Above 5 Withdrawals Rs 20/PerWithdrawal
For CA and KCC -Balance Enquiry Free- Rs 20/Per Cash Withdrawal
Maximum Cash Wdl from other Bank ATM Rs 10,000/- per Transaction
Hot listing of Card refers to deactivation of
Lost Cards at ASC
Hot listing of Card be Done by Customer himself By calling at 24x7 Contact Centre through
BSNL/MTNL Landline (1800112211) or
through any other Phone (080-26599990)

Page 4

Hot listing of Card can also be done by Branch


official through Contact Centre or by sending
an email to contactcentre@sbi.co.in on written request by Customer
Contact Centre is Located at Bangalore & Baroda - Operated by M/s Mphasis
Combo Card is a chip & magnetic stripe based
Photo card issued to the faculty, student &
staff of Manipal University of Higher Education (MAHE). It is a Multifunctionality Card.
Can be used as library card, identity card,
ATM cum Debit Card, etc.
Army Card & IIM-L are also photo cards exclusively for ARMY Personnel & Indian Institute
of Management Lucknow respectively.
Gold Debit Card (VISA /MASTER) can be issued to customers maintaining QAB of Rs
20000/- or to all salary account holders declaring gross salary of Rs 25000/- and above or
to all customers of Personal Banking Branches
PIN based at ATM & Signature based at
POS/ME.
4 reward points of .25 paisa each on every
purchase of Rs 100/- on POS/Internet. 50 bulk
reward points after first three usage at POS
YUVA card can be issued to youth segment in
age group of 18-30 years. Operates on VISA
Platform as VISA Classic Card. Validity 10
years. PIN based at ATM and signature based
at POS/ME. One loyalty point of Re 0.25 for
every purchase of Rs 100/- at POS. 50% concession on Loan Processing Fee. 50% concession on Demat AMC charges. 25 basis point
concession in interest rate on Education,
Housing & Vehicle loans to the card holders
who maintain their salary / revenue account
with us.
Platinum Intl Debit Card can be issued to
customers with annual income above Rs 10
lac or customers with aggregate deposit balance of more than 5 lacs. BM may waive or relax the criteria based on value of relationship.
PIN based at ATM & Signature based at
POS/ME. 4 point of Re .25 each for every purchase of Rs 100 at POS/ME.
eZ-Pay Card is a prepaid Indian rupee VISA
CARD suitable for periodical payments like
salary, TA /Medical Bill, incentives etc by a
listed/Non-listed Corporate including PSUs
from a single point to all employees working
at different locations. Employer to certify the

Quick Success Series - Technology


Mar 15, 2012

bonafide, identity & proof of residence. Reloadable, only by debit to Bank account any
number of times. Min Rs 100 & Max Rs 50000
per month per employee. Cash withdrawal &
Enquiry restricted to State Bank Group ATMs
only. Free statement through Internet. Validity 10 years.
GIFT CARD is also a prepaid Indian rupee VISA
CARD- an excellent substitute of Gift Vouchers. Min amt of Issue Rs 500 in multiples of Rs
1/- , Max Rs 50000/-.
Issue Charges waived upto 31st Mar 2011
Validity- 1 Yrs from the date of print
Request to issue gift card should be done by
debit to only fully KYC compliant account and
to Banks customer only,and its one-time
loading (Top up) can be made through Internet Banking
Services Available at ATM- Cash withdrawal,
Balance Enquiry, Mini Statement (Last 10
Txns), College Fee Payment, Online collection
of Application Fee (GATE /JMET), Mobile Top
Up, Temple/Trust Donation, Payment of Utility Bills, Cash Point for SBI Cards, SBI Card Bill
Payment, SBI Life Premium Payment, Fund
Transfer.
Ways of Fund Transfer- Visa Money Transfer,
C2C Transfer, Money Send
Visa Money Transfer (VMT) facility enables
any card holder of the Bank to transfer funds
through the SBI Group ATM and all INB Users
with transactions rights to any VISA Debit
Card / Credit Card issued by the bank or any
other bank in India. The card holder has to
make one time registration and set up the VISA Card to which he proposes to transfer
funds through www.onlinesbi.co.in. Transaction Limit- Rs 50000/- and Charge Rs 20/- +
service tax.
Card to Card Transfer (C2C) enables card
holders to transfer funds to any card holder
within State Bank Group through any State
Bank ATM. Transaction Limit Rs 50000/-. Date
of Credit- Next Working Day. Charges- As applicable to Inter Core Transactions.
Money Send is launched by Master Card
Worldwide (MCW). It enables our card holders to remit funds to any Maestro/Master
Card holder of other banks within the country
through State Bank Group ATMs. Transaction
Limit- below Rs 50000/- per transaction.

Page 5

Charges- Upto Rs 25000/- Rs 20.00 per transaction and More than Rs 25000/- Rs 30 per
transaction. Day of Credit- (T+1) in case of
Maestro Card and (T+2) in case of Master
Card & VISA.
Undelivered ATM Cards & PIN should be in
separate custody.
ATM Cards not delivered within a period of 45
days should be hot listed through Contact
Centre.
PIN Mailers not delivered within a period of
45 days should be destroyed and Cards hot
listed through Contact Centre.
ATM Dispute Resolution: Dispute is settled by
Debit to Suspense Account. TXn should have
been made through State Bank ATM. Claim
should have been made within 90 days of Txn.
Account should be maintained for one year.
No such claim should have been made in last
6 months. Claimant to submit a letter of undertaking. Dispute upto Rs 15000/- may be
settled if claimant produces transaction Slip. If
claimant does not produce transaction slip,
then claim upto Rs 5000/- can only be settled.
RBI- ATM related complaint to be resolved
within 07 working days from the date of complaint; else Bank has to compensate the customer with Rs. 100/- per day beyond the 07th
day.
To be Paid by Debit to BGL A/C No 2399995
Charges (ATM Compensation)
Centralisation of ATM Complaints Registration. Complaint Management System (CMS)
launched with effect from 21st Dec 2009.
URL
Address
for
CMS
is
https://10.0.22.170:8070/CMS. Can be assessed at Branch, Contact Centre, Administrative offices and ASC
SBI customer can lodge the complaint in CMS
either by calling the contact centre or at any
branch (not necessarily customer branch) for
following five categories:
i) Account debited but cash not dispensed
ii) Account debited twice for the same withdrawal
iii) Amount debited but amount not transferred to merchant establishment
iv) Account debited twice for the same transaction at POS
v) Regeneration of PIN

Quick Success Series - Technology


Mar 15, 2012

Following transactions can also be lodged


through CMS wef 20.10.2010
ATM Services: B to B transactions, C to C
transactions, VISA money transfer, Trust donations, FEE payments, Mobile Top up, SBI
card payments
Payment gateway transactions: Online transactions through SBI debit card
Customer can also track his complaint by calling at contact centre or sending a SMS ATM
ticket number to 567676 (for e.g. ATM
AT429212345)
The complaint will be resolved at the
Branches but the closure cannot be effected
unless the CM (Admin) / Authorised official of
the Administrative Unit authorizes the closure.
User ID will be the standard email ID of the
Branch
/
controlling
offices,
eg.
sbi.04260/agmr1.zopat/gm1.lhopat etc excluding sbi.co.in. Default password will be
same as user ID. Will be forced to change at
First Login.
Error Codes in ATM:
51- Expired Card
52- Invalid Card
53- Invalid PIN
56- Ineligible Account (Selection of wrong
type of A/C)
62- PIN Tries Exceeded
Changes introduced in ATM transaction flow
to safe guard customer interest and Banks
image
i) Screen Receipt cannot be printed, do you
want to continue removed - to prevent the
frauds committed by jamming the receipt
printer
ii) 2 digit security screen introduced - to prevent the key pad tampering frauds
iii) PIN entry time reduced from 30 seconds to
20 seconds and display time of screen Do
you want some more time reduced from 60
seconds to 05 seconds - to restrict the time
availability to the miscreants for manipulations

INTERNET BANKING
Site for Internet Banking www.onlinesbi.com
Site is verified by Verisign & Secured by 256
bit encryption

Page 6

Site is maintained by Satyam / SIFY


URL
Address
for
Branch
login:
http://192.168.25.52
PPK stands for Pre Printed Kit
Each PPK has a unique 10 digit Number
First Five Digit of PPK denotes Packet Number
6th & 7th Digit of PPK denotes Circle Code
(SBI Circle in which PPK will be issued)
8th & 9th Digit of PPK Denotes Serial Number
(ranging from 00 to 99)
10th Digit of PPK Denotes Checksum Number
PPK is available for Retail Customers & Khata
Type Corporate Customers
Three types of user rights facility is available
under RINB
View rights only
View and transaction rights
Limited transactions rights
Under Limited Transaction Rights, Customer
can use following features of INB
i) Funds transfer within his/her own accounts
ii) Opening of new deposit accounts under eTDR/e-STDR scheme.
iii) Request for opening new accounts under
the same CIF through branch intervention
Minor can also be given INB Facility Only with
View rights
MIT stands for Manual Intervention Transactions (Transactions for which requests received from the customer are placed in CBS
by the INB system)
Campaign for Promotion of Retail Internet
Banking SANKALP for current financial year.
Services where No Manual Intervention is required- i)Balance Enquiry ii) Account Statement iii)Fund Transfer to Self Accounts
iv)Third Party Fund Transfer v) Inter Bank
Payee Fund Transfer vi) PPF transfer vii) E-Tax
Payment viii) E-ticketing ix) Bill Payments x)
Visa Money Transfer xi) Making Donations xii)
eZ Trade xiii) Setting up Standing Instruction
xiv) Issuance of Cheque Book xv) TDS related
enquiry xvi) DEMAT Enquiry xvii) Online Application for IPO xviii) Opening of eTDR/eSTDR
Services where Manual Intervention is required- i) Opening of new account (Savings,
Current, TDR & RD except eTDR/eSTDR) ii) Issue of Draft iv) deposit renewal v) closure of
loan account

Quick Success Series - Technology


Mar 15, 2012

e-RD
1.No manual intervention

required by
branches for opening / closure of recurringdeposit account under (e-RD).
2. Domestic, NRE & NRO customers & Staff
members can avail this facility.
3. The online opening / closure facility
through e-RD available between 08:00 HRS
IST and 20:00 HRS IST. Requests received for
e-RD creation /closure
beyond this period will be scheduled for next
opening hours, if user opts for the same.
4. The RD a/c in INR will be opened in the
same name(s) and mode of operation as in
the debit a/c from which first installment of eRD a/c is paid. The customer can select the
debit a/c as per his/her choice at the time of
opening e-RD, if he/she has more than one
transactional accounts
mapped to his/her username.
5. The period and minimum amount limit of eRD will same as mentioned for RD product
code in CBS.
6. e-RD will create recurring deposit a/c .In
the same session, setting up SI possible. The SI
created through this process cancelles automatically on online closure /
premature closure of e-RD The SI created
(Separately through Internet Banking or
through Branch) will need to be cancelled by
the customer/Branch.
7. Passbook for e-RD accounts will not be
generated online. Customers can print statement of e-RD account
through IN Banking/home branch, if they
need a passbook for their e-RD accounts.
8. For enquiring current deposit interest rates,
a hyperlink of our Corporate
web-site
(www.sbi.co.in
/
www.statebankofindia.com)has been provided on e-RD request page,
9. Senior citizens (Public & Staff) will not be
able to avail privileged rate of interest facility
in e-RD. the branch.
10. Benefit of interest rate to staff will be
available only if the debit a/c is categorized as
staff account in Core & INB database.
11. The e-RD details will contain the e-RD a/c
no., debit a/c no. from which the e-RD a/c is
funded, period selected by customer, Interest
rate and maturity date.

Page 7

The RD accounts not opened through e-RD,


cannot be closed online through Close a/c
tab under e-RD.
12. The nominee of the selected debit a/c will
be retained to e-RD account, if the customer
opts for the same. Home branch can set the
new nominee(s) on the request of customer
after receiving appropriate documents from
him/her.
13. Instructions/ rules/guidelines for normal
RD account will mutatis mutandis be applicable for e-RD accounts also.
Profile Password is needed to access all links
under profile tab. It is created at the time of
First Login.
Maximum Limit of Amount for opening
eTD/eSTD- Rs 10 Lakh. No online Payment of
eTD/eSTD. Senior Citizen interest privilege not
available. Nomination available at the Branch
as per instruction.
Max Limit for Intra Branch Fund Transfer- Rs
10 Lakhs
Max Limit for Inter Branch Fund Transfer Rs
5 lakhs
For Demand Draft- Rs 5 lakhs
For Third Party Transfer- Rs 5 lakhs
For Bill Payment- Rs 5 Lakhs
For RTGS/NEFT/GRPT- Rs 5 lakhs (exclusive of
Commission)
For Merchant Payment- Rs 5 lakhs
For VISA Transfer- Rs 25000/- per txn & Rs
50000/- per day per user.
For PPF Rs 500 to Rs 70000/- per day per
customer.
For Tax Payment (Direct & Indirect)- Rs 10
lakhs to 2 crores per day
For DEMAT Limit- Rs 1 Crore
For Donation- 5 Lakhs per day per user
INTERNET BANKING : ELECTRONIC BILL PAYMENT FACILITY INTRODUCTION OF SBI INSTAPAY SERVICESBI-InstaPay has been introduced in onlinesbi.com
The salient features of this product are as under: i) Prior registration with the biller is not
required.ii) The customer can make the payment by debit to his account in SBI.iii) A wide
variety of billers like electricity and other utility bills, pre-paid / post-paid mobile phones,
insurance premium, credit card, DTH and donations are available.

Quick Success Series - Technology


Mar 15, 2012

Corporate Internet Bank ing has four variantsKHATA, KHATA PLUS, VYAPAR & VISTAAR.
KHATA- Enquiry Only / used for enquiry on all
accounts at one branch
KHATA PLUS- Enquiry Only/ used for enquiry
on all accounts at various branches across the
country
VYAPAR- Enquiry & transaction / for corporate maintaining account at any one SBI
Branch. Single Transaction Limit Enhanced
from 5.00 Lakh to 50.00 Lakh. Permitted
Transactions - Fund Transfer/Third Party
Payment/ Inter Bank Payment/Draft Issue/Payment to Registered Suppliers/ E-Tax.
VISTAAR- (Complete range of online transactions for corporate maintaining account at
multiple branches of SBI) TP Fund Transfer upto Rs 100.00 Crore per transaction/ request
for issue of Demand Draft - Rs 1.00 crore per
transaction/ No limit on No of Transaction.
Permitted Transaction: Fund Transfer/Third
Party Payment/Inter Bank Payment/Draft Issue/Payment to Registered Suppliers/Bulk
Upload
Facility/E-Tax/DGFT
Payments/Customs Payments/ Excise Duty Payments.
A simplified single user interface with functional and security features similar to Retail
Internet Banking facility called CINB Saral
has been launched. CINB Saral will facilitate
penetration of CINB among a larger section of
SME customers and micro enterprises as the
facility is single user based, operated on the
lines of RINB and hence highly user friendly.

MOBILE BANKING
Brand Name- SBI Freedom
MBS available to satisfactory running Current
/ Savings Account holders of P segment &
SME customers.(For SME customers only enquiry right of their last 5 transactions).
It can be availed over:
A) Application Software
B) Wireless Application Protocol
C) Unstructured Supplementary Data Services
(USSD)
D) Mobile Banking service on SMS platform
Functionalities available under A) & B)Balance Enquiry / Mini Statement (Last 5
Txns) / Fund Transfer (To accounts with SBI &
other Banks) / Cheque Book Issue / Bill pay-

Page 8

ment (Telephone Bill, LIC & SBI Life Premium,


SBI Credit Card Bill, etc) / Mobile Top Up / M
Commerce / Online enquiry of DEMAT Accounts
Maximum Daily Transaction per Customer- Rs
50000/- within an overall Calendar Month
Limit of Rs 250000/SMS Mobile banking transaction is restricted
up to daily limit of Rs.1,000/-with a calendar
month limit of Rs.50,000/-as per RBI directives.
MBS on SMS platform -available on any Mobile Handsets
Application software is installed in users
Mobile. It can be downloaded from SBIs website www.sbi.co.in under link services > mobilebanking.
On SMS platform User ID & MPIN is obtained by sending an SMS <MBSREG> to
567626/9223440000.
The customer is required to accept terms and
conditions of the services by sending a SMS to
9223440000 as <saccept><userID><Mpin>
For Change Mpin <Smpin><UserId><Old
Mpin><New Mpin>
Balance of account <Sbal><UserId><Mpin>
Mini
statement
of
account
<Smin><UserId><Mpin>
Mobile
Top-up
<Stopup><UserId><Mpin><telecom operator of
beneficiary Mobile><Mob no of beneficiary
><Amount>
DTH recharge <Sdth><UserId><Mpin><Service
Provider><DTH serial number><amount>
IMPS fund transfer
<IMPS><Mobile
No><MMID><amount><User
ID><MPIN><Purpose(optional field- up to 20
char-Alpha numeric)>
User ID 6 characters First three Alpha &
Last three Numeric
MPIN 6 digits
Transaction processed through SMS or GPRS
GPRS is cheaper to SMS Mode
Activation of service either through ATM or at
the Branch
The registration for MBS is now available online through CBS
Only one Account enabled through ATM
Maximum 5 Accounts can be enabled for P
Seg.customrs and only 1 accounts for non
P.Segment customers.

Quick Success Series - Technology


Mar 15, 2012

End to End security using 128 bit AES encryption


MBS over WAP available on all mobile
phones (Java/non java) with GPRS Connectivity.
Installation of software not required.
Used through browsing Verisign certified secured
site

http://mobile.prepaid.com/sbiwap/

In addition to User ID & MPIN, WAP Login ID is


also provided
MBS over USSD- available to all subscribers of
Vodafone, Idea, Airtel & Aircell
Features- Balance Enquiry / Mini Statement
(Last 5 Transactions) / Fund Transfer to SBI
Accounts only / Mobile Top Up
Maximum Daily Transaction per Customer for
Fund Transfer & Mobile Topup Rs 1000/within an overall Calendar Month Limit of Rs
5000/User ID & MPIN is obtained in the same
process.
For starting session SMS SBMBS to
5616199
In all cases, MPIN is required to be changed
before registering at ATM or Branch.
Branches
can
now
lodge
requests/issues/complaints relating to MBS
transactions at StateBank Group Service
Deskon the url http://10.4.236.151:8080
/CAisd/pdmweb.exe
New Product: State Bank Mobi Cash
Launch of Mobile Wallet
Mobile Wallet issuable to customers and to
non customers also in association with other
entities. It is a virtual prepaid account accessible over mobile phones enabled with a mobile based application which allows its users/subscribers to make payments to any designated affiliates /appointed network of merchants. State Bank has named its Mobile Wallet as State Bank MobiCash.
While mobile banking is a channel to access
customers savings or current account, Mobile
wallet is a payment product. A non account
holder can also take the wallet and avail the
facility offered by State Bank Mobi Cash. It is
being launched in partnership with M/s. OXIGEN Services (India) Pvt. Ltd (Oxigen) and
M/s. Sahyog Microfinance Foundation (SMF).
While Oxigen will provide Mobile Based front

Page 9

end application and Transaction processing


platform, SMF would bring in Customer Service Points (CSP) which will be the delivery
points of services like providing applications
for mobile wallets, Cash-in & Cash-out, other
assisted services, closure of mobile wallets,
etc.

RTGS & NEFT


RTGS Real Time Gross Settlement
NEFT- National Electronic Fund Transfer
Nationwide Fund transfer system maintained
by RBI for enabling transfer of funds from remitters account in a particular bank to the
beneficiarys account in another bank anywhere in the country.
Banks can only originate credit transactions
RTGS- Used for high Value remittances of Rs
2.00 Lakh & above / Transactions processed &
settled on Real Time Basis / Transactions settled individually & continuously on a transaction by transaction basis / Remittance sent in
rounded off rupees.
NEFT- For Retail Remittances/No minimum
stipulated transaction amount/Operates on
Deferred Net Settlement (DNS) basis/Settled
in batches- 6 times a day/Can be sent inclusive of paisa component
RTGS Transaction Types:
a) R-41 (Customer to Customer)
b) R-42 (Bank to Bank)
RBI has decided to levy the following charges
on the member banks for all outward RTGS
transactions like Membership fee (Per
month),Transaction fee (Per month),Time varying tariff (Varies on the time of settlement
at RBI)
RTGS Timing wef 1st Oct 2011 has been
changed and time varying tariff has been introduced as :
9.00 hours to 12.00 hours for transaction of
Rs.2.00 lac to Rs.5.00 lac is Rs.25.00 & above
Rs.5.00 lac is Rs.50.00
After 12.00 hours to 15.30 hours (13.30 hours
on Saturday) for transaction of Rs.2.00 lac to
Rs.5.00 lac is Rs.26.00 & above Rs.5.00 lac is
Rs.51.00
After 15.30 hours to 16.30 hours on weekdays
for transaction of Rs.2.00 lac to Rs.5.00 lac is
Rs.30.00 & above Rs.5.00 lac is Rs.55.00

Quick Success Series - Technology


Mar 15, 2012

IFSC- Indian Financial System Code- It is an


alpha numeric code allotted to all RTGS/NEFT
enabled branches. It is of 11 characters.
In our Bank, IFSC code is designed as SBIN
000BBBB
IFSC code is available at http://10.0.1.183/
or
For
Bankers
link
at

http://www.rbi.org.in

Every Message released by a bank to RBI is


assigned a Unique Transaction Reference
(UTR)
Inward- NIL
State Bank Group Payment Transfer (SBGRPT)
Applicable to fund transfer between SBI &
Associate banks
Menu in CBS
Inter Bank Transfers >> SBGRPT >> Create
Outgoing Message.
Data Entry Screen is similar to the NEFT
screen
SBGRPT transactions are closed at 4:30 PM on
weekdays and at 1:00 PM on Saturdays.
Thereafter the net funds (receivable/payable)
are settled between the Banks through RTGS
(R 42) on the net balance available in the
Payment Settlement Accounts of the Associate Banks as at the end of the day.
Other terms & conditions are as applicable to
RTGS/NEFT
Western Union Money Transfer (WUMT)
Western Union Financial Services (WU), a subsidiary of First Data Corporation, is a Fortune
500 company
It is the largest money transfer organisation in
the world, operating from over 150,000 locations spread over 197 countries
They operate in India under a RBI License
Our Bank has entered into an agreement with
WU for paying out their remittances into india
Maximum Limit Per Transaction- USD 2500/Beneficiary can Receive Maximum of 12
transactions in a calendar year
Maximum cash amount paid out to the receiver is INR 50,000/If the amount exceeds INR 50,000/- an account payee cheque will be issued or the account of the beneficiary has to be credited for
the entire amount
WU will be responsible for ensuring compliances under MTSS guidelines and AML
measures at the send side of the transaction

Page
10

Beneficiary of Remittance provides the followings:


Valid ID
Senders name
Originating country (City & State for
USA/Mexico)
Estimated amount (+/- 10% USD or equivalent)
Money Transfer Control Number (MTCN) advised by Remitter (10 digit Number)
(TO RECEIVE MONEY FORM is required to be
filled in)
Branch official/Employee logs on to WU Software (Translink) and marks the MTCN as paid
Payment to beneficiary is made by debit to
BGL A/c No 98842065610 styled as Western
Union Payment Account Number opened at
NRI Kochi Branch (Nodal Branch)
WU through the Principal Agent will reimburse the day's total pay out to the Nodal
Branch along with the appropriate share of
commission and Forex spread.
The Nodal branch reconciles the amounts debited by various branches for the day and the
reimbursement provided by WU.
The commission and forex spread earned by
the branches will be distributed to the
branches @ 75% of the income earned by respective branches at the end of each quarter
based on the amounts paid out by them.
Western Union reimbursement is based on
marking off the entries in WU system. If entry
is not marked off properly, Bank will not get
reimbursement.
It should always be ensured that remittance is
not paid to the beneficiary without markingoff into Western Union system.
Otherwise beneficiary may claim remittance
from any other location and bank will not get
the reimbursement from WU
STATE BANK VISHWA YATRA FOREIGN TRAVEL
CARD (VYFTC)
VYFTC Cards in the eight Currencies viz. USD,
GBP, EURO, AUD, CAD, JPY, SAR,& SGD
MISC
Central Data Centre (CDC) is located at Belapur, Navi Mumbai
Disaster Recovery Site is located at Chennai
Front end software used in CBS- Bancslink
(Current Version- 2.9.5)

Quick Success Series - Technology


Mar 15, 2012

Posting of Transaction at CDC- Bancs 24 software- Procured from FNS Australia


System Integrator- TCS
FNS Taken Over by TCS
Corporate General Ledger (CGL) - Finance one
Vendor- Comlink USA
Trade Finance Software- CS Eximbills Vendor
China Systems, Taiwan
Overseas Branches- Finacle- Vendor- Infosys
OFSA- Oracle Financial Services Application
Suite- Provides a platform for Asset Liability
Management
Treasury Management Solution- Procured
from Reuters/Unisys

Page
11