nri service

7/30/2019 Nri Service

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NRI SERVICE

State Bank of India is the bank of choice for Indians wherever they live. With its vastnetwork of over 15,000 domestic branches, 69 dedicated NRI Branches in India, 186Foreign Offices in 34 countries, Correspondent Banking relations with over 400 globalbanks and tie up with 26 Exchange Houses and 5 Banks across Middle East, NRIs canenjoy “anywhere – anytime” banking facilities.

The product suite for NRIs ranges from Bank Deposits, Loans and Remittances to

Investments, Online Equity Trading, Structured Products, Mutual Funds and Insurance.

WHO IS NRI?

A Non Resident Indian (NRI) as per FEMA 1999 is an Indian citizen or Foreign Nationalof Indian Origin resident outside India for purposes of employment, carrying on businessor vocation in circumstances as would indicate an intention to stay outside India for an

indefinite period. An individual will also be considered NRI if his stay in India is less than182 days during the preceding financial year.

A Person of Indian origin (PIO) is a citizen of any country other than Pakistan orBangladesh, if

a) he/she at any time held an Indian Passport; or

b) he/she or either of his/her parents or any of his/her grandparents was a citizen of India by virtue of the Constitution of India or the Citizenship Act 1955 (57 of 1955); or

c) The person is a spouse of an Indian Citizen or a person referred in above (a) or(b) clauses.

HOW TO OPEN NRI ACCOUNTS WITH A BRANCH IN INDIATo open an NRE account please complete the account opening form and mail it to thebranch of your choicealongwith ;

Passport copy

Visa/residence permit 2 photographs

initial money remittance

Your signature may be verified by anyone of the following;

Indian Embassy/consulate

Any person known to the Bank

Notary public

Any of our offices abroad

You can open

NRE Saving Bank a/c / Current Accounts

Fixed Deposits in Indian Rupees

Fixed Deposits in Foreign Currency NRO accounts (Rupee accounts for crediting income inIndia )

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You can authorise a resident to operate your account through a Power of Attorney orLetter of Authority

Nomination Facility available (Nominee can be a resident Indian also)

NON RESIDENT EXTERNAL (NRE) ACCOUNT[Print Page]

Overview of NRE Accounts:

Account Type: Savings Bank / Current Account / Term Deposit / Special TermDeposit / Recurring Deposit.

Credits will be the form of:

o Remittances from abroad.

o Transfer from other NRE / FCNR accounts.

o Foreign exchange brought to India.

Account can be opened jointly with other NRIs.

Bank deposits are free from wealth tax in India.

Interest earned on NRE accounts is exempt from Indian income tax.

NRE Savings Bank A/C

Only for non-resident Indians (NRIs).

Can be a joint account with another NRI (In case the joint account holder is yourspouse, she / he should also be an NRI).

Minimum balance Rs.1000/- (Rs. 5000/- in case of Personal Banking Branches)

Permissible Credits Remittances from abroad through banking channel.

Personal cheques drawn on foreign account(s).

Proceeds of Foreign Currency Notes / Travelers cheques tendered by NRI, whilevisiting India.

Drafts issued by bank / exchange companies abroad.

Transfer from another NRE account.

Interest / dividend / maturity proceeds of investments made in India on

repatriable basis.

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Note: Amounts in excess of $ 5000 (or equivalent) in currency or $ 10,000/- (orequivalent) in Travelers cheques should be accompanied by a Currency DeclarationForm.

Multi-City Cheque (MCC) facility for NRIs:

A Multi-City Cheque (MCC) is one that can be written by the customer in favour of his client and is payable at par at all branches in India of the Bank. MCC can beissued in cheque operated accounts (SB and Current), in addition to normalcheque books. The MCC facility is to be used only for genuine transactions /bonafide remittances. No cash payments will be made to third parties at otherbranches.

The upper limit for issue of MCCs is Rs.5 lacs. The issue charges for MCC are Rs.3 per cheque leaf and will be debited from the account at the time of issue of thecheque book. There are no transaction charges.

NRE Term Deposits

Rupee deposits of fixed tenure.

Minimum period of 1 year.

Maximum period of 10 years.

Interest paid quarterly on Term Deposit Receipts (TDRs).

Principal & interest amount are fully repatriable.

Premature withdrawals permitted (conditional):

o On pre-mature withdrawal of the Deposit (after completion of 1 year),interest will be calculated at applicable rate for the period the Deposit hasactually remained with the Bank less applicable penalty as under:-

NRE term deposits opened Penalty

Before 01st January, 2012 1%

From 01st January, 2012 0.50%*

* The interest paid shall be 0.50% below the rate applicable for the perioddeposit has remained with the Bank or 0.50% below the contracted rate,whichever is lower.

o No interest is payable if the deposit is withdrawn before one year.

Recurring Deposits

Want to create a fund for your children's education or marriage or to buy a house or fora dream holiday? Whatever may be your financial goals, through our Recurring DepositScheme, you can save a little every month so that at the time of need you havesufficient funds to achieve your financial goals. So, set aside a small amount everymonth and earn at compounded rates of interest.

Flexibility in period of deposit with maturity ranging from 12 months to 120months

Attractive interest rates.



Interest income is tax free in India

You can avail a loan/overdraft against your deposit

Premature withdrawal allowed

Minimum monthly installment of Rs.1000/-

Special Term Deposits

Deposit your money for a period of 1 year and up to 10 years.

Get a two-fold income, with interest both on your deposit and on the interestaccrued on it.

Invest in an affordable/very low Minimum Deposit Amount of Rs. 1000/- only.

Enjoy higher returns with compounded interest every quarter.

Open a Special Term Deposit at any branch of ours.

Access your accounts 24X7 from anywhere in the world, with our InternetBanking facility.

Avail nomination facility for your deposits.

Tax Implications

As per the current regulations, interest income is exempt from income tax in India.

Automatic Renewals

No need to track maturity of your deposits.

Automatic renewal on maturity, if there are no instructions for renewal.

Earn interest for same period as that of your matured deposit, at the interest rateprevailing on the date of maturity.

Flexibility

Convert your Term Deposit to a Special Term Deposit, and enjoy compoundedrate of interest to multiply your money faster.

Convert your Special Term Deposit to a Term Deposit to receive monthly /quarterly interest payments to handle your financial requirements.

To open an NRE account with a branch in India:

1. Click here to download the account opening form.

2. Fill up the account opening form and send it to the branch of your choice with thefollowing documents:

o Two passport size photographs attested by you.

o Passport & Residence Visa / ID Card Copies duly attested by Banker /Notary Public / Indian Embassy / A person known to the Bank.

o Initial remittance.






o Signature in the account opening form verified by any one of the following:

Indian Embassy / Consulate / High Commissioner.

Your bank abroad.

A person known to the Bank.

Notary Public.

3. Enclosures (any two of the following):

o Cheque drawn on bank account abroad.

o Latest Overseas Bank statement in original.

o Copy of Telephone / Electricity Bill.

o Cancelled paid cheque of your Overseas Bank A/c.

o Copy of Proof of Drawing Income / Employee ID / Labour Card.

Interest Rates:

Click here for Interest Rates.

Other Facilities:

International Debit Card.

Internet banking.

Add-on SBI ATM Card.

NRE FIXED DEPOSITS

NRE FIXED DEPOSITS (w.e.f. 07th June 2013)

Tenor For all amounts including

Bulk Deposits

1 year and up to 10 years 8.75%

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NRO FIXED DEPOSITS[Print Page]

NRO FIXED DEPOSITS (w.e.f. 07th June 2013)

Tenor Below Rs. 1

Crore Rs 1 Crore & above

7 days to lessthan 1 year

6.50% 7.25%

1 year and up to10 years

8.75% 8.75%

FOREIGN CURRENCY NON-RESIDENT DEPOSITS (FCNR(B)) (%P.A.) w.e.f 01/08/2013

CURRENCY

USD GBP

EURO CAD AUD

PERIOD OF THE DEPOSIT RATE

YIELD* RATE

YIELD* RATE

YIELD*

RATE YIELD* RATE

YIELD* 1 year and above but < 2 years

2.67 2.76 2.86 2.96 2.47 2.55 3.37

3.51 4.48 4.70

2 years & above, but < 3 years 2.48 2.60 2.71 2.84 2.56 2.68 3.55 3.77

4.65

5.00 3 years & above, but < 4 years







3.78 4.10 3.87 4.20 3.74 4.05

4.78 5.28 5.89 6.64

4 years & above, but < 5 years 4.17 4.65 4.11 4.58 3.96 4.40 5.03

5.73 6.19 7.24

5 years 4.56 5.14 4.41 4.95 4.20 4.69 5.26 6.02

6.42 7.55

CURRENCY JPY CHF DKK NZD SEK


YIELD*

RATE YIELD* RATE

YIELD* RATE

YIELD* RATE


2.41 2.49 2.24 2.31

2.62 2.71



4.91 5.17 3.28 3.41

2 years & above, but < 3 years 2.28

2.38 2.20 2.29 2.79 2.93 5.37 5.83 3.45 3.66

3 years & above, but < 4 years 3.32 3.57

3.34 3.59 3.97 4.32 6.71 7.67 4.67 5.15

4 years & above, but < 5 years 3.38 3.70 3.52

3.87 4.21 4.70 6.97 8.31 4.89 5.55

5 years 3.46 3.80 3.73 4.12

4.44 4.99 7.18 8.60 5.11 5.83

* Annualised yield at the end of the period. FOREIGN CURRENCY NON-RESIDENT DEPOSITS (FCNR(B)) (%

P.A.) w.e.f 01/08/2013 CURRENCY

USD GBP

EURO CAD AUD




YIELD* RATE

YIELD* RATE

YIELD* RATE

YIELD* RATE


2.67 2.76 2.86 2.96 2.47 2.55

3.37 3.51 4.48 4.70

2 years & above, but < 3 years 2.48 2.60 2.71 2.84 2.56 2.68 3.55

3.77 4.65 5.00

3 years & above, but < 4 years 3.78 4.10 3.87 4.20 3.74 4.05 4.78 5.28

5.89 6.64 4 years & above, but < 5 years

4.17 4.65 4.11 4.58 3.96 4.40 5.03 5.73 6.19 7.24

5 years 4.56



5.14 4.41 4.95 4.20 4.69 5.26

6.02 6.42 7.55

CURRENCY JPY CHF DKK

RESIDENT FOREIGN CURRENCY[Print Page]

RESIDENT FOREIGN CURRENCY A/C. (RFC

) w.e.f 01/08/2013

PERIOD USD GBP EURO

1 year and abovebut less than 2

years 2.67 2.86 2.47

2 years andabove but lessthan 3 years 2.48 2.71 2.56

3 years 3.78 3.87 3.74

LOANS AGAINST THE SECURITY OF NRE/NRO/FCNR (B) DEPOSITS ( DLor O.D.)

Loan against NRO and

NRE Fixed Deposits

0.50% over the rate paid onthe relative Time Deposits

offered as security.

Loan against security of FCNR (B) Deposits

2.25 % over Bank‟s BaseRate* (12.00% p.a. currently)

*Bank’s Base Rate is 9.75 % p.a. (w.e.f. 18th September 2012) and subject to change.







STATE BANK GIFT CARD

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State Bank Gift Card

Presenting Gifts to Employees and also to near and dear ones during festiveseason or on special occasions is an integral and unique culture in India.Traditionally, gifts have been given in the form of cash or kind. With theadvancement of Banking, Gift Cheques were introduced, allowing the beneficiaryto use the money according to their wishes. These cheques, however, areaccepted at the issuing bank branches only. The State Bank Gift Card, issued inassociation with VISA International, is one such product which gives the comfortof convenience and wide acceptability.

State Bank Gift Card is a Pre-paid Plastic Card supported by Magnetic-strip basedtechnology. It is usable at all VISA enabled Merchant Establishments at Point of Sale by signature and over Internet for e-Commerce transactions by using secure

„Verified by Visa’. It is a perfect substitute for Gift Vouchers sold by many retailhouses as its use is not restricted to any particular Merchant.

Features:

Currency of Issue Indian Rupee only

Availability

All State Bank of India Branchesand also available online throughSBI Internet Bankingwebsitewww.onlinesbi.com for allSBI customers availing InternetBanking facility.

Re-load State Bank Gift Card is not re-loadable

Minimum Amount of Issue

Rs. 500 and thereafter in multiplesof Re. 1/-

Maximum Amount of Issue

Rs. 50,000/-

Usage

State Bank Gift Cards can only beused at VISA enabled MerchantEstablishments at Point of sale andover Internet for e-Commercetransactions by using secure

“Verified by Visa”. Facility of cash

withdrawal is not available onthis Card.




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Balance enquiry

Cardholder can view the balance inthe State Bank Gift Card and alsoobtain a transaction receiptindicating the balance from anyState Bank Group ATM in India free

of cost and also onlineathttps://prepaid.onlinesbi.com

Validity of Card The validity of the card is for 1yearfrom the date of issue.

Daily TransactionLimit

No Limit; upto the available balancein the Card.

Personalized Cards The Card can also be personalized,upon request by the Corporates forBulk Issue.

STATE BANK eZ PAY CARD[Print Page]

State Bank eZ Pay Card

The State Bank eZ-Pay Card, a Prepaid plastic Card issued in Indian Rupees inassociation with VISA International, is an ideal product for making periodical payments.Payment of salaries to employees, who are required to work at different locations, isgenerally a difficult proposition for employers. Cards can be loaded from a single pointand the funds are available to the employees immediately. It is suitable for

Disbursement of wages to blue collar workers, Bonus to employees/ reimbursement of expenses to staff, Periodical payment of incentives to agents/ commission to distributors.

One need not be SBI account holder for purchasing State Bank eZ-Pay Card. Any person,in individual capacity also, can obtain eZ-Pay Card. The SBI eZ-Pay Card is usable at allState Bank ATMs through PIN, at Merchant Establishments through by signature andover Internet for e-Commerce transactions by using secure „Verified by Visa’. Thecardholder need not visit any Branch to withdraw his money. Balance enquiry can bemade free of charge either through State Bank ATMs or through Internet.

Features:

Currency of Indian Rupee only

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Issue

Availability All State Bank of India Branches

Re-load State Bank eZ-Pay Card isreloadable

Minimum

Amount of Issue

Rs. 500 and thereafter in multiples

of Re. 1/-, however the balance inthe Card should not exceed Rs.50,000/- at any point of time.

MaximumAmount of Issue

Rs. 50,000/-

Usage

State Bank eZ-Pay Card is usable atall State Bank ATMs through PIN, atVISA enabled MerchantEstablishments at Point of Sale andover Internet for e-Commercetransactions by using secure

“Verified by Visa”.

Balanceenquiry

Cardholder can view the balance inthe State Bank eZ-Pay Card andalso obtain a transaction receiptindicating the balance from anyState Bank Group ATM in India freeof cost and also onlineathttps://prepaid.onlinesbi.com

Validity of Card

The validity of the card is for 10year from the date of issue.

DailyTransactionLimit

Cash withdrawal limit from StateBank ATMs: Rs.100/- – Rs.40,000/- per day.

PoS Transaction limit: Rs.50,000 per day.

PersonalizedCards

The Card can also be personalized,upon request by the Corporates forBulk Issue.

Eligibility

Individuals Can be issued to individuals aftertaking full KYC documents. Theseindividual Cards can be loaded/reloaded by debit to third partyaccounts of Corporates/customers.

Corporates Corporate Cards (cards bothpersonalised & non-personalised,which can be issued in bulk tocorporate clients for onwardissuance to their employees at theirend) can be issued toemployees/beneficiaries of listedcompany only. Corporates have tosubmit KYC documents of beneficiaries beforeloading/activating the Cards for

use.







STATE BANK XPRESS MONEY CARD[Print Page]

STATE BANK XPRESS MONEY CARD

State Bank Xpress Money Card, a Co-branded Prepaid Card that can be loaded upto Rs.50,000/-, with UAE Exchange and Financial Services Ltd, for loading InwardRemittances received under Money Transfer Service Scheme (MTSS) of Reserve Bankof India. The new product will go a long way in providing Banking facilities to a largenumber of beneficiaries receiving inward remittance from abroad, who do not haveaccess to basic banking facilities.

Purpose

State Bank Xpress Money Card isan ideal product for loading inward

remittance received under MoneyTransfer Service Scheme (MTSS) of Reserve Bank of India through UAEExchange and Financial ServicesLtd.

It is a prepaid Card which allowsCardholders to access theirremittances at ATMs through PIN,at PoS by PIN/signature and e-commerce transactions.

Features

It will be issued to beneficiariesreceiving inward remittances, no

prior Banking Relationship required Currency of Issue is Indian Rupee

only. The State Bank Xpress Money

Card can be used at State BankGroup ATMs (free), Other BankATMs (with charge, current Rs.20/-per withdrawal), at MerchantEstablishments or for onlinetransactions in India.

Card Validity: The card is valid for10 years. The expiry date is pre-

printed on the cards. The Card can be loaded only with

inward remittance received underMTSS of RBI through UAEExchange and Financial ServicesLtd.

DailyTransactionLimit

Minimum Cash withdrawal fromState Bank ATMs - Rs.100 perwithdrawal

Maximum Cash withdrawal fromState Bank ATMs –Rs.40,000 perday

Point of Sales Transactions- Rs.50,000 per day.







Reloading

The State Bank Xpress MoneyCard is a re-loadable card andcan be re-loaded 30 times in acalendar year.

Minimum reload Rs.100 No Maximum stipulation but at any

point of time card balance shouldnot exceed Rs.50, 000/-.

Charges

Issuance charges: Free. Issue of Replacement card: Rs.

100/- Reload fee: Nil Physical statement of account: Rs.

100 (in case customer requests forit)

Eligibility

The beneficiary needs to provide thefollowing documents for availing aState Bank Xpress Money Card:

Application Proof of Identity such as

passport, voter ID card, PANCard etc.

Proof of Residence such as Passport, Driving license etc.

No need to be an State Bank accountholder for availing State Bank XpressMoney Card.

Refund

If the balance in State BankXpress Money Card is belowRs.100.00 and the card is not usedfor six months or is beyond expirydate, the entire balance will beforfeited and State Bank XpressMoney Card will be closed.

If balance in State Bank XpressMoney Card is above Rs.100.00and the card is expired, balanceless Rs.100.00 will be refunded tothe bonafide cardholder onapplication.

Availability

At present State Bank XpressMoney Cards will be issued free of

cost through all the branches of UAE Exchange and FinancialServices Ltd situated in KeralaState. The product will be launchedacross all the branches of UAEExchange and Financial ServicesLtd across the Country shortly.



STATE BANK FOREIGN TRAVEL CARD[Print Page]

STATE BANK FOREIGN TRAVEL CARD

State Bank Foreign Travel Card is a prepaid Foreign Currency card that makes yourforeign trip trouble-free and convenient. It is a Chip based Card which stores encryptedand confidential information. It offers you a convenient and secure way to carry cashanywhere in the world (valid worldwide except in India, Nepal and Bhutan).

State Bank Foreign Travel Card is available in eight Foreign Currencies viz. US Dollars(USD), Pound Sterling (GBP), Euro (EUR), Canadian Dollar (CAD), Australian Dollar(AUD), Japanese Yen (YEN), Saudi Riyal (SAR) and Singapore Dollar (SGD). We willshortly be adding UAE Dirham (AED), Thai Baht (THB) Hong Kong Dollar (HKD) andMalaysian Ringgit (MYR).

The Card:

Issued in association with VISA International.

Accepted at 1.80 Million VISA ATMs and at over 28 Million Merchant Establishments(MEs) approximately, all over the world except in India, Nepal and Bhutan.

Available at over 1,100+ Branches.

Available for retail (students, tourists, pilgrims, medical needs, etc) and corporatecustomers (Companies, Government Departments, Public Sector Undertakings, etc.)

ELIGIBILITY:

Any bonafide citizen of India who plans to travel abroad except Nepal and Bhutan.

Corporates for their employees whom they plan to send abroad for official purposesubject to completion of KYC norms.

Parents/sponsors of the students going abroad for higher studies, in the student‟sname and can be subsequently reloaded up to the statutory ceiling, prescribed fromtime to time.

Foreign Nationals residing in India, subject to completion of KYC norms.

FEATURES:

Minimum amount of load/Re-load: USD 200/GBP 120/Euros 150/CAD 200/AUD 200/YEN 15,800/SAR 750/SGD 250.







Maximum amount of issue: As prescribed by RBI/FEMA 1999 depending on thepurpose of overseas visit. Presently, equivalent to USD 100,000 per annum forEducation/ Employment/Medical; USD 25,000 per Business Trip and USD 10,000 perannum for tourism/pilgrimage.

Competitive exchange rates.

Reloadable any number of times, within the RBI/FEMA regulations cited above.

Operatable by 4 digit PIN at ATMs and by PIN/Signature at Merchant Establishments.

Free balance enquiry at State Bank Group ATMs and VISA ATMs (at a charge).

Free balance enquiry and view/download details of transactions throughhttps://prepaid.onlinesbi.com by using eight characters (combination of alphabets,numerals and special characters).

Add-on cards, not exceeding two in number, can be given for use of the card holder incase of loss/misplacement/defacement of the card.

Balance information after each transaction through SMS (service presently availableonly on Indian SIM Cards).

A 24 x 7 call centre to provide information and hot-listing (block) the card in case of loss / misplacement.

Now it can be used for online e-commerce payments, while overseas e.g. payment of college fee, booking of air-tickets, online purchase of books etc.

DOCUMENTS

Copy of first and last pages of Passport.

Application for SBFTC & Form A2

PAN or Form 60 in lieu thereof, if the amount tendered is Rs. 50,000/- or more.

Proof of residence in case the address is different from that appearing on passport.

Travel document.



INTERNATIONAL BANKING

[Print Page]

International banking services of State Bank of India are delivered for the benefit of its Indian

customers, non-resident Indians, foreign entities and banks through a network of 188

offices/branches in 34 countries as on 14th July 2013, spread over all time zones. The network is

augmented by a cluster of Overseas and NRI branches within India and correspondent links with

over 483 banks, the world over. Bank's Joint Ventures and Subsidiaries abroad further underline the

Bank's international presence.

The services include corporate lending, loan syndications, merchant banking, handling Letters of

Credit and Guarantees, short-term financing, collection of clean and documentary credits and

remittances.

The Bank has carved a niche for itself in the Euroland with branches located in Antwerp, Paris and

Frankfurt. Indian banks and corporates are able to avail single-window Euro services from the Bank's

Frankfurt branch.

PROFILE[Print Page]

Spreading its arms around the world, the SBI’s International Banking Group deliversthe full range of cross-border finance solutions through its four wings – the Domesticdivision, the Foreign Offices division, the Foreign Department and the InternationalServices division.

The Domestic wing provides services like merchant banking, shipping finance andproject export finance. The Foreign Offices wing offers the entire range of international trade and industrial finance products, while the Kolkatta-based Foreign

Department undertakes treasury and currency operations.

The International Services division renders specialized services like correspondentbanking, global link services and country and bank risk exposure monitoring.Being India‟s largest and most trusted commercial bank, the SBI offers you a network of relationships unmatched in strength and span by any other Indian financial entity.

The bank has a network of 163 offices/branches in 33countries spanning all timezones. The SBI‟s international presence is supplemented by a group of Overseas and NRI branches in India and correspondent links with over 483leading banks of the world.SBI‟s offshore joint ventures and subsidiaries enhance its global stature.

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The bank has carved a niche for itself in Euroland with branches strategically located inParis, Frankfurt and Antwerp. Indian banks and corporates are able to avail single-window Euro services from SBI Frankfurt.

These strengths are reinforced by a dedicated and highly skilled team of professionals deployed by the bank in each specific segment.

TRADE FINANCE[Print Page]

Introduction

SBI Understand there is much stake involved in Export Import business Global

economic, political situations, anything and every thing that affects you and yourbusiness. SBI offers the trusted financial solution to all your complex Trade financerelated fund needs (both in Indian rupee and foreign currencies).

The gamut of our services include credit for both pre shipment and post shipmentactivities.

Export Avenue

• Rupee Export Credit (Pre-Shipment and Post-Shipment)• Pre-Shipment Export Credit

• Post-Shipment Export Credit• PreShipment Credit in Foreign Currency (PCFC)• Getting Started - Opening a PCFC• Operating PCFC• Export Bill Rediscounting• Letter of Credit

Import Avenue

• Foreign Currency import credit• Supplier's credit

EXPORT AVENUE[Print Page]

RUPEE EXPORT CREDIT (PRE-SHIPMENT AND POST-SHIPMENT)

SBI understands and values your Pre shipment and post shipment commitments…… our trade finance cell offers both Pre shipment and Post shipment credit in rupee

denominated terms to exporters having firm export orders or confirmed letters of credit.











Avail Rupee export credit at most competitive rates at 449 branches.

Click to locate nearest forex authorized branch

Book forward contracts in respect of future export credit drawals.

Click here for export credit (rupee denominated) Interest rates.

Pre-Shipment Export Credit

SBI offers Pre-shipment Credit (Packing Credit) to the exporters, for financing purchase,processing, manufacturing or packing of goods prior to shipment.

This would mean any loan or advance extended to you by SBI on the basis of:

a) Letter of Credit opened in your favor or in favor of some other person, by an overseasbuyer;

b) a confirmed and irrevocable order for the export of goods from India;c) any other evidence of an order or export from India having been placed on theexporter or some other person, unless lodgement of export order or Letter of Credit withthe bank has been waived.

Packing Credit is granted for a period depending upon the circumstances of the individualcase, such as the time required for procuring, manufacturing or processing (wherenecessary) and shipping the relative goods. Packing credit is released in one lump sumor in stages, as per the requirement for executing the orders/LC.

The pre-shipment / packing credit granted has to be liquidated out of the proceeds of thebill dawn for the exported commodities, once the bill is purchased/discounted etc.,

thereby converting pre-shipment credit into post-shipment credit.

Post-Shipment Export CreditSBI extend Post-shipment Credit that is any loan / advance granted or any other creditprovided by SBI for purposes such as export of goods from India.

It runs from the date of extending credit, after shipment of goods to the date of realization of export proceeds and includes any loan / advance granted on the security of any duty drawback allowed by the Govt. from time to time. Post-shipment credit has tobe liquidated by the proceeds of export bills received from abroad in respect of goodsexported.

The exporter has the following options at post-shipment stage:

i. To get export bills purchased /discounted / negotiated;ii. To get advances against bills for collection;iii. To receive advances against duty drawback receivable from Govt.

The exporter has the option to avail of pre-shipment and post-shipment credit either inrupee or in foreign currency. However, if the pre-shipment credit has been availed inforeign currency, the post-shipment credit has necessarily to be under EBR Schemesince foreign currency pre-shipment credit has to be liquidated in foreign currency. Thedetails of pre-shipment and post-shipment credit in foreign currency are mentionedbelow.

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For details contact:(the Asstt. General Manager (Commercial & International Banking Products)

PRE-SHIPMENT CREDIT IN FOREIGN CURRENCY(PCFC)

SBI‘s Pre-shipment Credit in Foreign Currency (PCFC) is just what you need, when youare looking for funds in foreign currency. Avail it to meet your manufacturing, processingand packing fund requirements at international interest rates. Just not this, you can alsocover the cost of both domestic as well as imported inputs of SBI‟s PCFC gives you choice of four different currencies in which to operate the scheme -the US Dollar, Pound Sterling, Euro and the Japanese Yen.

SBI has 64 branches across the country handling the PCFC facility for your exclusiveconvenience. Click here for the list of A & B category designated branches, withaddresses/phone and fax nos. etc.

Our Foreign Department, based at Kolkatta, is the nodal centre for raising and deploying

offshore and onshore funds for lending under PCFC.

Getting Started - Opening a PCFC

Make sure you have firm export orders or confirmed letters of credit, and you'll find thatobtaining the PCFC facility from SBI is a cakewalk. Of course, you also need to satisfyother credit norms.

Now for the icing on the cake - we let you have a running account facility with us forPCFC if you are an exporter with a good track record. The specified eligibility factor isthat your over dues should not exceed 5 per cent of the average annual export

realisations during the preceding three calendar years. In cases where a running accountfacility has been extended, you must produce a letter of credit or a firm export orderwithin a reasonable amount of time.

More good news for existing clients - there is no need for a separate sub-limit for PCFCfor you! The PCFC can be made available within the export packing credit available toyou provided the outstanding amounts under both rupee and foreign currency facilitiesdo not exceed the sanctioned limits.

Operating PCFC

PCFC is to be repaid only with the proceeds of the export bill tendered, under the exportbill-rediscounting scheme.

In case of cancellation of export order, the PCFC line may be closed by selling equivalentamount of foreign exchange at TT selling rate prevalent on the date of liquidation.

How do the schemes operate?

PCFC & EBR schemes go hand in hand. The operation of these schemes is in threestages, viz.i) Disbursement of PCFCii) Disbursement of EBR and simultaneous repayment of PCFC andiii) Repayment of EBR.







When the exporter has sufficient drawing power available within his overall limit toaccommodate the proposed PCFC advance, PCFC is made available to him either inforeign currency for payment of his import bills or in Indian rupees for purchase of domestic raw material by converting the foreign currency of PCFC at T.T. Buying rate.

PCFC is operated like cash credit account with balances in foreign currency. The liabilityof the exporter to the Bank on account of PCFC is in foreign currency. The rupeeequivalent will be shown in the account only at notional rates which really doesn'tconcern the exporter.Interest on PCFC will be arrived in foreign currency and the rupeeequivalent thereof will be recovered at quarterly intervals from the exporter's CC orCurrent account.

Click here for Export Credit (Foreign Currency Denominated) Interest rates.

For further details, please contact the Asstt. General Manager (Commercial & International Banking Products) nearest to you.

Frequently Asked Questions (FAQs)

Q. Is there any withholding tax on SBI PCFC? A. No withholding tax is payable on the PCFC, if the interest on the foreign currency lineis to be remitted to SBI foreign offices.

Q. Can PCFC drawals be booked on a forward basis? A. Yes, forward contracts can be booked in respect of future PCFC drawals.

Q. What about cross currency drawals? A. At SBI, PCFC drawals in cross currencies are allowed, subject to the exporter bearingthe risk in currency fluctuations. However, cross currency drawals are restricted to the

US Dollar. For instance, for an export order in a non-designated currency like the SwissFranc, PCFC will be given only in USD. However, for orders in Pound Sterling, Euro andthe Japanese Yen, pre-shipment credit may be availed in the respective currencies orUSD. Multiple currency drawals against the same order are not permitted, for the sake of operational convenience.

EXPORT BILL REDISCOUNTING

IntroductionAvail SBI's export bill rediscounting (EBR) for post shipment finance at internationalrates of interest.

PCFC will be liquidated with the discounting of bills under EBR scheme. The foreign

currency of the bill will be applied to PCFC in foreign currency and if there is any surplusof the bill after adjusting to PCFC, the surplus portion will be converted into Indianrupees and credited to the exporter's CC or Current account.

The EBR advance which is a foreign currency loan will be eventually closed when theoverseas buyer pays the bill and the export proceeds are realised.

Take your pick from any of the four designated currencies: US Dollar, Pound Sterling,Euro and the Japanese Yen.

Contact any of our 64 forex-intensive branches handling EBR.

Getting StartedAll export bills, demand and usance, are eligible for SBI's EBR scheme. All exporters are






eligible to cover their bills drawn under letters of credit, non-credit bills under sanctionedlimits in the bill rediscounting scheme.

Operating the EBR SchemeThe bank offers export bill rediscounting for a maximum period of 180 days, inclusive of grace and transit periods.

What are the special advantages in availing PCFC & EBR from SBI?Vast network of designated branches to handle the schemes and also a well laid outsystem of customers of non designated branches availing the schemes at the nearestdesignated branches.

No minimum amount is prescribed for drawals under PCFC and EBR schemes

No withholding tax need be paid by the exporters, as the lines of credit forfunding PCFC and EBR are drawn by SBI from its own foreign offices.

Competitive rates of interest for customers with good credit rating and high valuebusiness.

Frequently Asked Questions (FAQs)Q. Is there any withholding tax on SBI's EBR facility? No withholding tax is payable on the PCFC, if the interest on the foreign currency line isremitted to SBI foreign offices. Since the bank dispenses lines of credit only from itsforeign offices, exporters need not pay withholding tax.

IMPORT AVENUE[Print Page]

LETTER OF CREDITLeverage SBI's reputation and goodwill in the global market! Avail of SBI's Letters of Credit for your purchases in international and domestic trading operations.

SBI offers Letters of Credit to facilitate purchase of goods in international tradingoperations. Backed by SBI's strong reputation, you will be able to build better trust intrade and forge business relationships faster.

The bank's vast network of branches and correspondent banks enables your enterpriseto sustain a seamless flow of business on a wide platform.

(Click here for the list of forex authorised branches and list of correspondents banks).

Further, the bank's informed trade finance crew can provide you with sophisticated creditand trade information, and market knowledge, helping you to extract more value frombusiness.

Since the Bank establishing the Letter of Credit undertakes the responsibility of honouring the drafts drawn there under, the ability of the importer to meet itsobligation, the integrity of the exporter, the nature of goods, besides observance of Exchange Control regulations etc. are considered.











Foreign Currency import creditThis is ideal for both Indian importers and their foreign suppliers. SBI offers credit toforeign suppliers of Indian importers by purchasing the import bill for its full valuethrough one of the bank's overseas offices. The tenor of this form of supplier's creditdoes not exceed 180 days. The supplier gets 100 per cent of the invoice value

immediately, making his deal practically a cash sale.

Importers get credit for a maximum period of 180 days, enabling them to manage theirliquidity better. Further, their interest payables could be lower since internationalinterest rates are currently lower than domestic rates.

These facilities are useful for import by sellers in the domestic market as well as export-related import.

For further details, please contact the Asstt. General Manager (Commercial & International Banking Products) nearest to you.(

FAQs) Frequently Asked Questions

Q. What are the exchange control regulations applicable?A. Authorised dealers are permitted to make interest payments accrued on interest billsfor a period not exceeding six months from the date of shipment. In this case, theinterest rate should not exceed the prime rate of the country in whose currency theimport goods are invoiced in.Given that the stipulations on tenor and the interest rate are met, no prior permissionfrom the Reserve Bank of India is required for this facility.

Short term foreign Currency Funding for Imports

Suppliers Credit

Suppliers' Credit essentially represents credit sales effected by the supplier on the basisof accepted bills or promissory notes with or without a collateral security. Any creditfacility arranged with recourse to the supplier for financing upto 180 days import intoIndia which is not backed up in the form of any letter/document/guarantee/agreement,etc. issued by the LC opening banks or in any other manner except normal routinecommercial transactions like an LC, can be treated as a suppliers' credit. The underlying

commercial contract between the exporter and the Indian importer should provide fordrawing of usance drafts with an upper cap of 180 days on the usance period. Whendocuments under such usance LCs are discounted by our foreign offices and other banks,it is not based on any mandate/letter of comfort/guarantee given by the LC openingbank in India either on their own behalf or at the instance of the importer, i.e.. the buyerof goods. Indian importers are free to enjoy a credit period of 180 days on their importsfrom the date of shipment provided interest for the period does not exceed the primerate for the currency in which the goods are invoiced. Prior approval of RBI/GOI wasrequired for exceeding this time limit, till September 2002.

With a view to simplifying the procedure for imports into India, RBI, in September 2002,decided that the Authorised dealers may approve proposals received in form ECB for

short term credit for financing, by way of Suppliers' Credit, of import of goods into India,provided.



The credit is being extended for a period of less than 3 years

The amount of credit does not exceed USD 20 million (approx. Rs. 94 crores now) perimport transaction.

The 'all-in-cost' per annum, payable for the credit does not exceed 6 months LIBOR +200 basis points.

MERCHANT BANKING

[Print Page]

MERCHANT BANKING DEPARTMENT

SBI‟s Merchant Banking Department (MBD) is part of the Domestic wing of IBGand caters to the forex funding needs of the Indian corporates. MBD is stronglypositioned to offer Foreign Currency Loans at competitive rates to finance yourbusiness. The broad activities of the Department are:

· External Commercial Borrowings (ECB) are raised by Indian Corporatesmainly to fund capex needs. ECBs should have a minimum average tenor of three years and all in cost should not exceed the ceiling prescribed by RBI.

· Foreign Currency Term Loans (FCTLs) are extended to overseassubsidiaries/ Special Purpose Vehicles (SPV) of Indian corporates. A largenumber of overseas Mergers and Acquisitions (M&As) deals by Indian corporateshave been funded by SBI at competitive rates. The exposure requires specializedand comprehensive financial analysis, legal due diligence and risk assessment.In some cases, FCTLs are sanctioned against Letters of Comfort (LOCs) issuedby our domestic offices/other banks and risk premium is passed on to theseoffices.

· MBD syndicates the FCTLs/ECBs in the international market whereinforeign and Indian banks participate.

· Indian Corporates borrowing in foreign currency from SBI have an addedadvantage of no withholding tax implications.

· The Bank has been a market leader for the past few years in the ForeignCurrency Syndicated loan market and has successfully syndicated large ticket



loans as a Mandated Lead Arranger and Bookrunner. This has been possible dueto its ability to underwrite large amounts on the strength of its global balancesheet.

SBI, being an Indian entity, has no India exposure ceiling. Our primary focus ison Indian Clients. SBI‟s seasoned Team of Professionals provides you withinsightful credit information and helps you maximize the value from thetransaction.

PROJECT EXPORT FINANCE [Print Page]

State Bank of India is an active participant in the area of finance of Project Exportactivities. These activities mainly involve financing the fund-based and non-fund basedrequirements of the project exporters, viz:-

Export of engineering goods on deferred payment terms

Execution of turnkey projects abroad

Execution of overseas civil construction contracts abroad

Export of services - the contracts for export of consultancy, technical and otherservices

Project export contracts are generally of high value and exporters undertaking them arerequired to offer competitive terms to be able to secure orders from foreign buyers inthe face of stiff international competition.

Our vast network of branches spread all over the country which are authorized to handletrade related transactions, substantial presence overseas with branches/offices in allmajor commercial centers of the world covering all time zones and our strong network of correspondent relationship with top ranking banks in several countries add to ourcompetitive strength to facilitate and meet various requirements of projectexporters. Moreover, we also enjoy high credentials in International bankingcommunity.

Credit facilities offered by us:

Various types of credit facilities, both non-fund and fund-based, that project exportersmay need at the time of bidding and/or for execution of the project are extended by theBank.

Non-Fund Based Facilities

Letter of Credit facility on behalf of our customers enabling them to import rawmaterial required for manufacturing goods for project export is provided by us and alsoall other types of guarantees required for project export contract are issued by us, eg.

Bid Bond Guarantee







Advance Payment Guarantee Performance Guarantee Down Payment Guarantee Retention Money Guarantee Maintenance Guarantee Overseas Borrowing Guarantee

Fund Based

i) Pre-shipment credit both in Indian rupees and in foreign currency to extendfinancial assistance for procuring/ manufacturing/ processing/ packing/shipping goods meant for export.

ii) Rupee/ Foreign currency supplier’s credit : When a project export is ondeferred credit terms, we meet the financial requirement of our exporters inIndian rupees or foreign currency.

iii) Buyer’s credit : Bank also participates in grant of credit to foreign buyers

under the Buyer‟s Credit Scheme of Exim Bank.

REGULATORY FRAMEWORK

Exchange Control Regulations:

The exchange control regulations relating to Project and Service Exports, revised fromtime to time, are contained in the Memorandum of Instructions on Project and ServiceExports (PEM) issued by Reserve Bank of India. The directions contained in the PEM areissued under Section 10 (4) and Section 11 (1) of the Foreign Exchange ManagementAct, (42 of 1999)

Authority structure for clearance of Project Export proposals :

Reserve Bank of India has laid down the authority structure for clearance of projectexport proposals based on the value of contract:

Contract value up to USD 100 mio – Authorised Dealer/ Bank

Contract value above USD 100 mio – Working Group/Exim Bank

Thus, proposals with contract value up to USD 100 mio are cleared by State Bank of India. For proposals with contract value above USD 100 mio, reference to WorkingGroup is made by us as the Sponsoring Bank on behalf of our customers.

EXPORTER GOLD CARD[Print Page]

State Bank of India has launched "SBI EXPORTERS GOLD CARD SCHEME" to meetthe working capital needs of exporters with good track record and credit worthiness,subject to their fulfilling the specified eligibility norms. The salient features of the

scheme are as under:







Assessment norms have been simplified and for units with export turnover up to Rs. 100crore simplified assessment in terms of Nayak Committee norms will be made withinspecified time norm not exceeding 25 days in case of new sanctions and 15 days in caseof renewals.

Further relaxations, subject to certain conditions, in the form of automatic renewal of limits after the three year tenure as also simplified method for effecting annual step-upin limits is being examined by the Bank.

Standby limit of 20% will be sanctioned to all the SBI Exporters Gold Card holders overand above the sanctioned limit to meet credit demands arising out of receipt of suddenorders.

Limits sanctioned will be valid for a period of three years.

Interest will be charged at concessional rate from the Gold Card holders. The presentrate for Packing Credit up to 180 days and Post-shipment credit up to 365 days would be

3.75% below the Bank's benchmark Prime Lending Rate. Also, SBI Gold Card holders willbe given preference for grant of packing credit in foreign currency.

International Credit/Debit cards and Internet Banking facilities shall be extended to theSBI Exporters Gold Card holders on priority basis

TREASURY[Print Page]

Profile Profile India's largest bank is also home to the country's biggest and most powerfulTreasury, contributing to a major chunk of the total turnover in the money and forexmarkets. Through a network of state-of-the-art dealing rooms in India and abroad,backed by the assured expertise of informed professionals, the SBI extends round-the-clock support to clients in managing their forex and interest rate exposures.

SBI's relationships with over 700 correspondent banks are also leveraged in extracting

maximum value from treasury operations. SBI's treasury operations are channeledthrough the Rupee Treasury, the Forex Treasury and the Treasury Management Group.

The Rupee Treasury deals in the domestic money and debt markets while the ForexTreasury deals mainly in the local foreign exchange market. The TMG monitors theinvestment, risk and asset-liability management aspects of the Bank's overseas offices.

Rupee Treasury

The Rupee Treasury carries out the bank‟s rupee-based treasury functions in thedomestic market. Broadly, these include asset liability management, investments andtrading. The Rupee Treasury also manages the bank‟s position regarding statutoryrequirements like the cash reserve ratio (CRR) and the statutory liquidity ratio (SLR), as

per the norms of the Reserve Bank of India.







Products and Services

Asset Liability Management (ALM): The ALM function comprises management of liquidity, maturity profiles of assets and liabilities and interest rate risks. Investments: SBI offers financial support through a wide spectrum of investment products that can substitute the traditional credit avenues of acorporate like commercial papers, preference shares, non-convertible debentures,

securitized paper, fixed and floating rate products. SBI invests in primary andsecondary market equity as per its own discretion.

These products allow you to leverage the flexibility of financial markets, enable efficientinterest risk management and optimize the cost of funds. They can also be customized interms of tenors and liquidity options.

SBI invests in these instruments issued by your company, thus providing you a dynamicsubstitute for traditional credit options. The Rupee Treasury handles the bank‟s domesticinvestments.

TradingThe bank‟s trading operations are unmatched in size and value in the domestic marketand cover government securities, corporate bonds, call money and other instruments.SBI is the biggest lender in call.

Forex Treasury (FX)

The SBI is the country‟s biggest and most important Forex Treasury, both in theInterbank and Corporate Foreign Exchange markets, and deals with all the majorcorporates and institutions in all the financial centers in India and abroad.

The bank‟s team of seasoned, skilled and professional dealers can tailor customized

solutions that meet your specific requirements and extract maximum value out of eachmarket situation.

The bank‟s dealing rooms provide 24-hour trading facilities and employs state-of-the-arttechnology and information systems. SBI‟s relationships with over 700 correspondentbanks and institutions across the globe enhance the strength of the Forex treasury.

The FX Treasury can also structure and facilitate execution of derivatives including longterm rupee-foreign currency swaps, rupee-foreign currency interest rate swaps and crosscurrency swaps.

OVERSEAS TREASURY OPERATION

Treasury Management Group

The Treasury Management Group (TMG) is a part of the International Banking Group

(IBG) and functions under the Chief General Manager (Foreign Offices). The department

monitors management, supervision and control of treasury functions at SBI‟s foreign

offices. The functional areas include asset liability management, market risk

management, investments, forex and derivatives and trading operations in various asset

classes and raising of medium and long term resources for Foreign Offices.

Asset Liability Management (ALM) and Market Risk Management:



The ALM function comprises management of liquidity, maturity profiles of assets and

liabilities and interest rate risks at the Foreign Offices. Activities include monitoring of

structural mismatches in liquidity at Foreign offices, monitoring and analysis of the

interest rate risk of Foreign Offices as a whole, capital charge for Market Risk for IBG in

terms of BASEL I & II guidelines, conducting stress test on liquidity risk, interest raterisk and forex risk at periodic intervals, preparation of ICAAP Policy for Foreign Offices

for liquidity risk, interest rate risk and forex risk, formulation and periodical review of

ALM Policy, Market Risk Policy and Derivatives Policy for Foreign Offices and allocation of

capital to Foreign Offices.

Investments:

The main objectives of investment operations at the Banks‟ Foreign Offices, which are

monitored by TMG are (a) compliance with the regulatory requirements of the host

country, (b) optimization of profits from investment operations, (c) maintenance of liquidity (d) temporary deployment of surplus funds until such funds are redeployed in

core banking activities and (e) facilitate growth and expansion of Foreign Offices through

strategic investments. Investment operations are undertaken in accordance with the

investment policy for Foreign Offices formulated by TMG and branch specific local

regulations, if any.

Forex and Money Market:

Monitoring of Foreign Exchange Dealing operations and money market operations at our

Foreign Offices which includes formulation and implementation of guidelines for these

activities, setting up of risk control limits and ensuring their adherence with the objective

of optimizing of returns while managing the attendant risks.

Raising of resources:

Treasury Management Group assists Foreign Offices in raising medium and long term

resources which include bilateral loans and syndicated loans. TMG also assists Foreign

Offices in raising short term resources by obtaining money market lines and reciprocal

lines from other banks.

Apart from the above, Treasury Management Group undertakes issuance of bonds inForeign Currency under the Bank‟s Medium Term Note (MTN) programme as also outside

the Programme. This includes raising of funds through issue of Innovative PerpetualDebt Instruments (IPDIs) / Hybrid Tier I (HT I) bonds.

Portfolio Management & Custodial Services

The Portfolio Management Services Section (PMS) of State bank of India has been set upto handle investment and regulatory related concerns of Institutional investorsfunctioning in the area of Social Security.

The PMS forms part of the Treasury Dept. of State Bank of India, and is based at

Mumbai.



PMS was set up exclusively for management of investments of Social Security funds andcustody of the securities related thereto. In the increasingly complex regulatory andinvestment environment of today, even the most sophisticated investors are finding itdifficult to address day to day investment concerns, such as

adherence to stated investment objectives

security selection quality considerations

conformity to policy constraints

investment returns

The team manning the PMS Section consists of highly experienced officers of State Bankof India, who have the required depth of knowledge to handle large investment portfoliosand address the concern of large investors. The capabilities of the team range fromInvestment Management and Custody to Information Reporting.

OFFSHORE BANKING[Print Page]

STATE BANK OF INDIA OPENS INDIA'S FIRST OFFSHORE BANKING UNIT

State Bank of India has opened the first Offshore Banking Unit (OBU) in India at theSEEPZ Special Economic Zone, New Bank Building, Andheri (East) Mumbai 400,096 on17th July 2003 - another landmark in the history of India's Financial Sector.

The OBU will be deemed as an overseas branch of the Bank and undertake the followingactivities :

1. Raise funds in convertible foreign currency as deposits and borrowings from NonResidents sources.

2. Transact in foreign exchange with residents in India who are eligible to enter into orundertake such transactions in terms of various Rules and Regulations as framed underForeign Exchange Management Act, 1999.

3. Open foreign currency accounts abroad as well as with other OBUs in India

4. Trade in foreign currencies in the overseas market and also with banks in India whereboth legs of the transactions are denominated in foreign currencies.

5. Provide customised loan and liability products for the benefit of clients

6. Maintain Special Rupee account with an Authorised Dealer in India out of theconvertible foreign exchange resources for meeting local expenses

7. Buy Rupees from an Authorised Dealer in India to fund the Special Rupee Account.







USA PATRIOT ACT CERTIFICATION[Print Page]

Following the USA PATRIOT Act and the final rules issued by the U.S. Department of

Treasury, Banks ("Foreign banks") are required to issue Certification to U.S. banks orbroker-dealers in securities ("Covered Financial Institutions") with which they maintainCorrespondent accounts.

For this purpose and as permitted by the final rules, State bank of India has prepared aCertification for use by any financial institution that needs a USA PATRIOT ActCertification from State Bank of India or one of its branches. We kindly request you touse this Certification instead of approaching directly State Bank of India's branches.

This Certification only covers State Bank of India and its branches and does not cover itssubsidiaries and joint ventures. If the Certification is required from our subsidiaries and

joint ventures, please contact them directly.

DEMAT SERVICES[Print Page]

Overview

(i) With effect from 01.04.2011, all the new demat accounts and Online Trading

accounts will be opened in the books of SBI Cap Securities Ltd.

(ii) The existing demat accounts in the books of the Bank will continue to bemaintained by the Bank.

Therefore, in new 3 in one facility, Savings/Current account will be held with SBI whileDemat and Online Trading account will be held in the books of SBI Cap Securities Ltd.

However, existing demat customers of SBI will continue to get the services from SBI asbefore. SBI is a Depository Participant registered with both National SecuritiesDepositories Limited (NSDL) and Central Depository Services Limited (CDSL) and isoperating its DP activity through more than 1000 branches. Our Power Demat Account

offers you the following features:

Features & Benefits of a Demat Account

As opposed to the earlier form of dealing in physical certificates with delays intransaction, holding and trading in Demat form has the following benefits:

Account Maintenance & Safe custody: Facilitates Maintaining Security Balancein electronic form

Dematerialization: Facilitates converting physical share certificate intoelectronic balances.

Rematerialization: Facilitates converting the electronic balances to physical

(share certificate) form.











Account Transfers: Facilitates delivery/receipt of electronic balances consequentto market / off-market trades.

Pledge/Hypothecation: Facilitates blocking securities balance of borrowers infavour of lenders for obtaining Loans / advances against shares.

Initial Public offer: Facilitates faster and direct credit of security balances intoDP account on allotment through public issue of companies

Disbursement of corporate benefits: Facilitates faster and direct credit of security balance into DP account on account of non-monetary corporate benefitsas bonus and rights issues.

Security Lending: Facilitates earning extra income on your dematerializedholdings by the way of securities lending.

A Demat account with SBI provides you the following benefits:

Customer Care: You can now call our dedicated Customer Care 24X7 and rest

assured that all your queries are taken care of.

Transact Anywhere: Now operate your Demat account from any of the 1000plus Demat enabled branches of SBI.

Statements by e-mail: Receive your account statement and bill by email.

Demat Services’ Online Facility – This convenient and paper free facility letsyou operate from the comfort of your home or office through SBI‟s InternetBanking Facility - www.onlinesbi.com

Online Demat Statements: You can now view your Demat account details, statementof holdings, statement of transactions and statement of billing online.

Order Delivery Instruction Booklet online: No queues at branches anymore as youcan now order your Delivery Instructions Booklet online and the same would bedelivered at your doorsteps.

Check ISINs, Settlement Calendar and Status of Requests online

eZ - Instructions: You can transfer or pledge/unpledge securities online anyplace,anytime.

Mobile Alerts: Receive SMS alerts for all debits/credits as well as for any request whichcannot be processed.

eZ-trade@sbi: In case you want an Online Trading Facility, you can have it with SBICapSecurities Limited. This service provides you with a 3-in-1 account which is an integratedplatform of Savings Bank A/c, Demat A/c and Online Trading A/c to give you aconvenient and paper free trading experience.

ACCESS ACCOUNT ONLINE[Print Page]

You can view your SBI Demat Account online onwww.onlinesbi.com. All you need to do isto get your demat account linked to your existing Internet Banking User id.




http://popup%28%27user.htm/?action=print_section&lang=0&id=0,1,21,596,695%27,%27Print_Section%27,600,400,0,0,0,1,0,-1,-1)










If you have already linked your demat account to your Internet Banking account,please log in to Access Account Online.

To go to the Demat Screen -- e-Services

Click here to view the Demat Screen

You can view the following from the comfort of your home or office through– www.onlinesbi.com:

1. Account details

2. Holding details

3. Statement of transaction

4. Billing Statement

Account Details:

Provides your account related information like BO/Client Id, PAN No, Joint Holders name,Account Type, Bank Account Details, Nominee Details etc. for a given BO/Client id.

Click here to view the Account details Screen

Holding details:

Gives the details of the all scrips (description and ISIN) held in dematerialised formalong with information on the status of the holdings like Current, Free, Frozen, Pledge,Lockin, Earmark, Pending Demat and Pending Remat.

Click here to view the Holding details Screen

Statement of transaction:

You can view your transaction in your account by choosing date range. The results woulddisplay information about the description of the scrip along with the date of credit ordebit and the resultant balance available.

Click here to view the Statement of Transaction Screen

Billing Statement:

You can view your transaction in your account by choosing date range. The results woulddisplay information about the description of the scrip alongwith the date of credit ordebit and the resultant balance available.

Click here to view the Billing Statement Screen

Click here to view the Billing Statement Details Screen




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ONLINE TRADING[Print Page]

State Bank of India (SBI) introduces you to a State-of-the-Art broking predominantly tocater to every broking need and offers a truly world class experience of online investing–anyplace, anytime. Buying and selling of shares is now just a click away.

Our value proposition is based on unmatched expertise, State-of-Art technology

and operational ease that will redefine the way India trades. With us you have thepower of research expertise to aid you in making the right decisions, operational easeallowing you to seamlessly execute your transactions, timely advice that helps you pickthe right opportunities and a customized trading experience to suit your needs anddemands. So go ahead and enjoy your fast, easy and hassle-free trading experience withthe India‟s Largest Bank.

State Bank of India in alliance with SBICap Securities Limited offers you an onlinetrading account which will let you trade from the comfort of your home or office eitherthrough the Internet. This service provides you with a 3-in-1 account which is anintegrated platform of Savings Bank A/c, Demat A/c and an Online Trading A/c to giveyou a convenient and paper free trading experience under one roof. Experience eZ-trade@sbi

Powered by SBICAP Securities Limited

SERVICE CHARGES[Print Page]

Revised Depository Service Charges for residents retail customers and Corporates

Sr.No.

CHARGE HEAD STANDARD CHARGES

1 A/c Opening Nil

2 Annual Maintenance Charges Rs. 400/- (Rs 350/- forcustomers receivingstatements by e-mail )

3 Agreement Stamp Paper Rs. 100/- (for Agreementbetween DP and BO) or Rs.

200/- (if POA for eZ-instructions is also signed)

4 Buy - Market and Off-Market Nil

5 Sell - Market and Off-Market(% of transaction value of each ISIN)

For trade doneonwww.sbicapsec.com

Nil

For instructionsubmitted through

0.03% (Min. Rs. 10/-)(ForInstitutional Demat A/c




https://www.sbicapsec.com/














Internet (eZ-instructions)

Max. Rs 1000/-)

For instructionsubmitted throughBranches

0.03% (Min. Rs. 30/- )(ForInstitutional Demat A/c

Max. Rs 1000/-)

6 Rejection/fails Rs. 10 /-

7 Extra charges for processing of instructions submitted on theexecution date late (acceptedat Client's risk)

For instructionsubmitted throughInternet (eZ-instructions)

Nil

For instructionsubmitted throughBranches

Rs. 10/- per ISIN

8 Dematerialisation

For each request form Rs. 35/-

Extra for eachcertificate

Rs. 2/-

9 Rematerialisation (For eachrequest form)

Rs. 25/-

10 Closure of Account Nil

11 PledgeCreation/Closure/Confirmation/Invocation (% of value foreach ISIN in each request)

If SBI is the counterparty

0.02% (Min. Rs. 15/-)

If SBI is not the counterparty

0.04% (Min. Rs. 30/-)

12 Additional Account Statements

By Courier Rs. 30/-

By e-mail Nil

13 Other Charges 1) NSDL chargesrecoverable extra atactuals as applicable from

time to time2) Service tax required to



be paid on the entire feecharged to the customer3) Mailing and couriercharges for handling sharesin connection withdematerialization and formailing physical statementsto clients are to berecovered on actual basis4) There will be a charge of Rs. 100/- for unsuccessfulattempt to recoverpayment through directdebit or ECS. Thedepository services areliable for discontinuation if SBI is unable to recovercharges from the customer

for any reason whatsoever.In such cases there will bea charge of Rs. 250/- forresumption of services andthe services will beresumed after a minimumof three working days fromthe date of receipt of request at CentralisedProcessing Cell, Mumbai5) If the Demat Account isclosed during the year,

pro-rata refund of AnnualService Charge will bemade after deduction of the service charge for eachcompleted quarter and partthereof.

Recovery of demat service charges: Customers to provide a debit authorization toSBI for recovery of charges

ANNOUNCEMENTS[Print Page]

BASIC SERVICES DEMAT ACCOUNT (BSDA) SERVICES

In terms of the directive of SEBI, existing SBI demat account holders shall be eligible toopt for BSDA subject to the following conditions:

Conditions:

1. All the individuals who have or propose to have only one Demat account where theyare the sole or first holder.







2. Individuals having any other Demat account/s where they are not the first holder shallbe eligible for BSDA in respect of the single Demat account where they are sole or firstholder.

3. The individual shall have only one BSDA in his / her name across all depositories.

4. Value of securities held in the Demat account shall not exceed Rupees Two Lakhs atany point of time.

5. All BOs opting for the facility of BSDA, shall register their mobile number for availingthe SMS alert facility for debit transactions.

The charge structure shall be on a slab basis as under:-

a. No Annual Maintenance Charges (AMC) shall be levied, if the value of holding is up toRs. 50,000.

b. For the value of holding from Rs 50,001 to Rs 200,000, AMC of Rs 100 shall becharged.

c. If the value of holding in such BSDA exceeds the prescribed criteria at any date, weshall levy AMC as applicable to regular accounts (non- BSDA) from that date onwards,which is Rs. 400/- per annum (Rs 350/-, If the account statement is to be sent byemail).

We enclose the form for converting a regular Demat account into Basic Services DematAccount (BSDA), subject to fulfillment of the above conditions. In case you intend toconvert your existing Demat account into BSDA, you may please fill up the form andsubmit the same at your Demat Service Branch for onward submission to DPCPC.

You may please note that the provision of BSDA is effective from 01 October 2012. Theoutstanding service charges on the account, if any, is payable immediately for availing

the BSDA. It may also be noted that your Demat account shall continue to attract AMCcharges for regular Non-BSDA account till your application for converting the Demataccount into BSDA in the enclosed form is received by us

DIGITALLY SIGNED STATEMENT[Print Page]

Now you can receive statement by e-mail. A monthly statement will be sent to the e-mail id specified by you when there are transactions in your account. Otherwise, aquarterly statement will be sent. This is as per current NSDL/CDSL guidelines. Inaddition, you will receive a physical copy of the annual statement to assist you in filingincome tax returns.

The e-mail statement will be authenticated by a digital signature obtained from aCertifying Authority under the Information Technology Act, 2000. This will allow youtoverify that the statement is sent by State Bank of India only and that the contents of the same have not been altered during transmission. Please note that the statementsare sent via standard email and are therefore only as secure as standard emailtransmission through the Internet. Since the email transmission is not encrypted, it isnot necessarily protected from unauthorized access.







To subscribe for the facility or to update your email id, please complete andsend " Subscription form for mobile alerts/ getting statements by e-mail " at theaddress specified in the form. You can also submit the same at your nearest SBI branchoffering demat services.

It may be noted that on being registered for receiving statements by e-mail, the annualmaintenance charge is lower by Rs. 50/- per annum starting from when it is next due.

NEW ACCOUNT OPENING: DEMAT AND ONLINE TRADING[Print Page]

Demat as well as Online Trading accounts are now being opened in the books of SBI CapSec Ltd. However, if anyone wants to open a demat or/ and online trading account,he/she has the following options:

(i) Approach the nearest SBI branch- Branch will gather the requisite information andforward the same to SBI Cap Securities Ltd.

(ii) Through our site, www.sbi.co.in, the customer may submit the account openingrequest to SBI Cap Securities Ltd. Visit Apply Online Forms in the Home page.

(iii) The customer may request SBI Cap Securities Ltd. directly also to open the account(www.sbicapsec.com)

CORPORATE BANKING[Print Page]

SBI is a one shop providing financial products / services of a wide range for large ,medium and small customers both domestic and international.

Working Capital Financing

Assistance extended both as Fund based and Non-Fund based facilities toCorporates , Partnership firms , Proprietary concerns Working Capital finance extended to all segments of industries and servicessector such as IT

Term Loans

To support capital expenditures for setting up new ventures as also for expansion,renovation etc.

Deferred Payment Guarantees




http://www.sbi.co.in/



http://www.sbicapsec.com/



http://popup%28%27user.htm/?action=print_section&lang=0&id=0,5%27,%27Print_Section%27,600,400,0,0,0,1,0,-1,-1)









To support purchase of capital equipments.

Corporate Loans

For a variety of business related purposes to corporates.

Export Credit

To Corporates / Non Corporates

Strategic Business Units

(i) Corporate Accounts Group (CAG)(ii)Project Finance(iii) Lease Finance

An exclusive unit providing one s shopping to Corporates A dedicated set up specialised in financing of infrastructure and other largeprojects

Exclusive set up for handling large ticket leases. Pricing

SBI's Prime Lending Rates (PLR) are among the lowest Presently Bank has two PLR's SBAR for loans payable on demand and upto one year

SBMTLR for loans payable beyond one year.

PROJECT FINANCE[Print Page]

Project Finance Strategic Business Unit

A one-stop-shop of financial services for new projects as well as expansion,diversification and modernisation of existing projects in infrastructure and non -

infrastructure sectors .

Expertise

Being India's largest bank and with the rich experience gained overgeneration, SBI brings considerable expertise in engineering financialpackages that address complex financial requirements.

Project Finance SBU is well equipped to provide a bouquet of structuredfinancial solutions with the support of the largest Treasury in India (i.e.SBI's), International Division of SBI and SBI Capital Markets Limited.

The global presence as also the well spread domestic branch network of SBI

ensures that the delivery of your project specific financial needs are totallytaken care of.







Lead role in many projects

Allied roles such as security agent, monitoring/TRA agent etc. Synergy with SBI caps (exchange of leads, joint attempt in bidding for

projects, joint syndication etc.). In a way, the two institutions arecomplimentary to each other. We have in house expertise (in appraisingprojects) in infrastructure sector as well as non-infrastructure sector. Some of the areas are as follows: Infrastructure sector:

Infrastructure sector:

Road & urban infrastructure

Power and utilities

Oil & gas, other natural resources

Ports and airports

Telecommunications

Non-infrastructure sector:

Manufacturing: Cement, steel,mining, engineering, auto components,textiles, Pulp & papers, chemical & pharmaceuticals …

Services: Tourism & hospitality,educational Institutions, health industry…

Expertise

Rupee term loan

Foreign currency term loan/convertible bonds/GDR/ADR

Debt advisory service

Loan syndication

Loan underwriting

Deferred payment guarantee

Other customized products i.e. receivables securitisation, e.t.c.

Why Project Finance SBU?

Since its inception in 1995 the Project Finance SBU has built-up a strong reputationfor it's in-depth understanding of the infrastructure sector as well as non-infrastructure sector in India and we have the ability to provide tailor made financialsolutions to meet the growing & diversified requirement for different levels of theproject. The recent transactions undertaken by PF-SBU include a wide range of projects undertaken by the Indian Corporates.

What's in it for you?

Single window solution



Appetite for large value loans.

Proven ability to arrange/syndicateloans.

Competitive pricing.

Professional team

Dedicated group with sector expertise.

Panel of legal and technical experts.

Procedural ease

Standardized informationrequirements.

Credit appraisal/ delivery time period is

minimized.

Wide branch network ensuring ease of disbursement.

Eligibility

The infrastructure wing of PF SBU deals with projects wherein

The project cost is more than Rs 100 Crores. The proposed share of SBI in the termloan is more than Rs.50 crores. In case of projects in Road sector alone, the cut off will be project cost of Rs.50 crores and SBI Term Loan Rs. 25 Crores, respectively.

The commercial wing of PF SBU deals with projects wherein ;

The minimum project cost is Rs. 200 crores (Rs. 100 crores in respect of Servicessector).The minimum proposed term commitment is of Rs. 50 crores from SBI.

For project funding requirements below the amounts indicated above, you may kindlycontact the nearest branch of the SBI Group.



INDUSTRIAL SECTOR [Print Page]

Working Capital Finance

SBI offers working capital finance to meet the entire range of short-term fundrequirements that arise within a corporate‟s day-to-day operational cycle.

The SBI working capital loans can help your company in financing inventories, managinginternal cash flows, supporting supply chains, funding production and marketingoperations, providing cash support to business expansion and carrying current assets.

SBI‟s working finance products comprise a spectrum of funded and non-funded facilitiesranging from cash credit to structured loans, to meet the different demands from allsegments of industry, trade and the services sector. Funded facilities include cash credit,demand loan and bill discounting. Demand loans are considered also under the FCNR (B)scheme. Non-funded instruments comprise letters of credit (inland and overseas) as well

as bank guarantees (performance and financial) to cover advance payments, bid bondsetc.

Project Finance

The SBI has formed a dedicated Project Finance Strategic Business Unit to assess creditproposals from and extend term loans for large industrial and infrastructure projects.Apart from this, project term loans for medium sized projects and smaller clients aredelivered through the CAG and the NBG.

In general, project finance covers greenfield industrial projects, capacity expansion at

existing manufacturing units, construction ventures or other infrastructure projects.Capital intensive business expansion and diversification as well as replacement of equipment may be financed through the project term loans.

Project finance is quite often channeled through special purpose vehicles and arrangedagainst the future cash streams to emerge from the project.

The loans are approved on the basis of strong in-house appraisal of the cost and viabilityof the ventures as well as the credit standing of promoters.

Deffered Payment Gaurantees

Q. What is the SBI deferred payment guarantee?SBI can extend deferred payment guarantees to industrial projects for obtainingimported equipment. The DPG is a standby credit guaranteeing deferred payments,usually for payments for capital goods, turnkey contracts etc.

Corporate Term Loan

The SBI corporate term loans can support your company in funding ongoing businessexpansion, repaying high cost debt, technology upgradation, R&D expenditure,leveraging specific cash streams that accrue into your company, implementing earlyretirement schemes and supplementing working capital.







Corporate term loans can be structured under the FCNR (B) scheme as well, with theoption of switching the currency denomination at the end of interest periods. This willhelp you take advantage of global interest rate trends vis-à-vis domestic rates tominimize your debt cost.

The bank‟s corporate term loans are generally available for tenors from three to fiveyears, synchronized with your specific needs.

SBI corporate term loans may carry fixed or floating rates, as befits the exactrequirement of the client and the risk context. Again, these rates will be linked to thebank‟s prime lending rate.

SBI corporate term loans can have a bullet or periodic repayment schedule, as requiredby the client. The repayment mode may be linked to the cash accruals of the company.

The Bank‟s expert credit crew gauges the applicant‟s particular fund requirements andevaluates the company‟s credit worthiness, factoring in the cash flows generated by it.

Structured Finance

SBI structured finance involves assembling unique credit configurations to meet thecomplex fund requirements of large industrial and infrastructure projects. Structuredfinance can be a combination of funded and non-funded facilities as well as other creditenhancement tools, lease contracts for instance, to fit the multi-layer financialrequirements of large and long-gestation projects.

Q. What is the SBI advantage in structured finance?Being India‟s largest bank and with the rich experience that it brings with it, SBI

commands formidable expertise in engineering financial packages that address complexrequirements with minimum risk.Further, SBI has firm relationships across the financial map of the world, which can beleveraged to structure solutions that may necessitate the participation of several creditagencies.

Dealer Financing

SBI extends financial support to the corporate distribution networks, by providing bothworking capital finance and term loans to select dealers of identified companies. Thisgives dealers to leverage their business relationship with major corporates to avail low

cost credit. Also, this type of financial solutions allows the corporate negotiate a betterprice with dealers. Dealer financing may be extended in the bill discounting form orsimply as cash credit.

Channel Financing

Channel financing is an innovative finance mechanism by which the bank meets thevarious fund necessities along your supply chain at the supplier‟s end itself, thus helpingyou sustain a seamless business flow along the arteries of the enterprise.

Channel finance ensures the immediate realization of sales proceeds for the SBI client‟s

supplier, making it practically a cash sale. On the other hand, the corporate gets creditfor a duration equaling the tenor of the loan, enabling smoother liquidity management.



SBI has the world‟s largest banking network of over 9,000 branches and this enables itto deliver the financial solution at your suppliers‟ doorsteps, across the span of thecountry.

Equipment Leasing

The SBI‟s has deployed a dedicated Strategic Business Unit for lease financing that is

richly experienced in arranging lease contracts for procuring expensive equipment foryour project or plant. At SBI, we arrange lease agreements as stand alone contracts oras part of a structured package.

Loan Syndication

The SBI leverages its vast network of relationships to arrange syndicated credit productsfor corporate clients and industrial projects.

With its rich experience and strong reputation, SBI‟s syndication desk can assemblelarge loan packages involving a ring of reputed financial entities, domestic andinternational, that match the large credit requirements of infrastructure projects.

TRADE and SERVICES SECTOR [Print Page]

Transport Plus

Purpose

To finance new trucks/tankers/trailers/tippers/luxury buses including take over of existing similar loans from other banks/institutions.

Eligibility

Profit making Corporates/Non-corporates (surface transport operators) owning morethan 10 well-maintained vehicles (including the proposed).

Quantum of finance

Minimum Rs. 10 lacs and maximum Rs. 10 crores.

Repayment

Term Loan: Maximum 5 years.

Repayment will be in Equated Monthly Installments (EMI), starting two months afterdisbursement. Cash Credit: Repayable on demand, renewal every year.







EMI Calculator

Margin

20%

Eligible amount of finance

Term Loan: 100 % of the cost of the chassis, inclusive of excise duty. Other expensesare to be borne by the borrower. Where body building is not required, 80 % of the costof the vehicle will be financed. An additional Term Loan limit, subject to a maximum of 20% of the original limit may be sanctioned for repair of the vehicle, on or after the 3rdyear if the loan account is regular.

Cash Credit : 80% of receivables.

Prepayment

Term Loan: Maximum 1% p.a. on the pre-paid amount, for the residual period.

Rate of Interest

For Term loans, 8.50% p.a. with monthly rests and for Cash Credit, 11.75% p.a. withmonthly rests.

Security

Primary: Hypothecation of vehicles financed as well as book debts.Collateral :i) At least 50% of the loan amountii) Personal guarantee of promoters and two third-party guarantors.

Insurance

As per Banks guidelines.

Applicability

Metro/urban/semi-urban centers

Bill Finance

The bank‟s bill finance product helps you bridge the fund gap between the date of sale of products to the receipt of payments.

The bank purchases the bill of exchange your company receives against a product sale,at a discount, thus doing away with the delay in realizing the receivables.



The extent of discounting would amount to the interest calculated till the payments forthe original sale are realized, and will be determined on the basis of market interestrates as well as the credit rating of the borrower.

Cash Credit for TradersSBI cash credit can be in the form of a running account, similar to an overdraft securedby a charge on current assets, that meets the frequent cash requirements of yourtrading cycle.

Term Loan for Asset Aquisition

The specialized product has been designed to help you purchase plant, machinery, landor other physical assets required during the growth and expansion of the your company.

Letters of Credit

The SBI offers Letters of Credit to facilitates your purchases of goods in tradingoperations, both domestic and international. Backed by the SBI‟s strong reputation, youwill be able to build better trust in trade and forge business relationships faster.

The bank‟s vast network of branches and correspondent banks enables your enterpriseto sustain a seamless flow of business on a wide platform.

Further, the bank‟s informed trade finance crew can provide you with sophisticated creditand trade information and market knowledge, helping you extract more value frombusiness.

Bank Gaurantees

The SBI guarantees the creditworthiness or the business capacity of its clients throughits financial and performance guarantees.

SPECIALIZED PRODUCTS[Print Page]

Cash Management Product

The bank offers a totally technology-driven cash management product, based on thesatellite-linked SBI FAST (for Funds Available in the Shortest Time) platform thatconnects 120 centers spread across the country. Your cash collections can be pooled atthese centers at competitive rates.

Further, your cost centers at various locations can have a daily limit with the SBI‟s localbranch which can be swept automatically into your main account located at your

corporate center.







The SBI is planning to raise the number of its cash management centers to 500, whichthen would cover 90 per cent the bank‟s corporate clients‟ financial transactions.

Q. What are the benefits of the SBI cash management product?The cash management solution ensures a comfortable liquidity position within yourcorporation always and will significantly bring down transaction time and cost. Further,the quicker, more efficient and better-controlled cash circulation can actually createprofit opportunities for the company.

The company will be better placed to forecast its cash positions and schedule relatedfinancial transactions accordingly.

Channel Financing

Channel financing is an innovative finance mechanism by which the bank meets thevarious fund necessities along your supply chain at the supplier‟s end itself, thus helpingyou sustain a seamless business flow along the arteries of the enterprise.

Channel finance ensures the immediate realization of sales proceeds for the SBI client‟ssupplier, making it practically a cash sale. On the other hand, the corporate gets creditfor a duration equaling the tenor of the loan, enabling smoother liquidity management.

SBI has the world‟s largest banking network of over 9,000 branches and this enables it

to deliver the financial solution at your suppliers‟ doorsteps, across the span of thecountry.

Construction Equipment Loan (CEL) :

Line of credit for financing the requirement of existing construction companies, havingcredit rating of SB-1 to SB-8 (new model), to purchase new machines / equipments /vehicles for execution of construction projects / standard construction equipments.

Quantum : Rs 3.00 crores to Rs 100.00 crores.

Pricing : Linked to the Base Rate of the Bank as per credit rating of the company.

Tenure : upto 4 years

Repayment : In monthly instalments. However, variable repayment programme can alsobe considered based on the cash flow of the company.

Others : The loan may be disbursed in several tranches, subject to minimum 10% of thesanctioned amount for any tranche, within a period of maximum one year from the date of sanction depending on requirement of equipments / machinery / vehicles within thespecified time frame.



BROKING SERVICES[Print Page]

We are happy to announce that SBI Capital Markets Ltd. has expanded its retail brokingnetwork to help investors carry out their broking transactions with confidence. At presentthe investors can buy/sell shares at both NSE and BSE through their Retail BrokingCentres in the cash market.We furnish hereunder the location of these Centres with fullparticulars of the contact persons.All investors can approach these branches for theirbroking needs.

NAME AND ADDRESS DEALER CONTACT NOS.

AHMEDABAD SBI, DP CELL, CAG BRANCH58, SHRIMALI SOCIETYNAVARANGPURAAHMEDABAD 380009

MEHUL BHATT 079-26460139079-26420735

BANGALORE SBI LHO CAMPUSBEHIND SPB BRANCHST. MARKS ROADBANGALORE 560001

CHAITRA AITHAL 9845052934080-30905247

BARODA SBI, ALKAPURI,R.C. DUTT ROADBARODA 390 007.

NIRAV SHAH 9825686545

BHOPAL STATE BANK OF INDORETT NAGAR,BHOPAL 462003

ASIS GUPTAPREETI SHUKLA

92294-346810755-2677871

CHANDIGARH STATE BANK OF PATIALASCO 99 - 106 (GROUND FLOOR)SECTOR 8-CCHANDIGARH 160 017

HARDEEP SINGH 0172-50792400172-50750699855082085

CHENNAI SBI MAIN BRANCHNEW NO. 84, OLD NO. 22RAJAJI SALAICHENNAI 600001

V. SUNDAR 044-520659979383121623

INDIRANAGAR - CHENNAI SBI SPB BRANCH, PLOT NO. 4TEACHERS COLONY,INDIRANAGARADYAR, CHENNAI 600020

K. PRABHU 044-526075659884014367

COIMBATORE

SBI MAIN BRANCH,STATE BANK ROAD

SUDAGAR

KIRUPALADASANT. SIVAKUMAR

9842616806

9894652646







COIMBATORE 641018

ERNAKULAM SBI SHANMUGHAM ROADBRANCH2ND FLOOR, KTDC BLDG.

ERNAKULAMCOCHIN 682031

THOMAS OOMMEN 98470040460484-5588080

HYDERABAD STATE BANK OF HYDERABADGROUND FLOORGUNFOUNDRYHYDERABAD 500001

RAHUL RAMA WARRIER 040-558433029849223014

SBI COMMERCIAL BRANCHASHOKA MY HOME CHAMBERSS.P. ROAD,SECUNDERABAD 500003

K.U.N. KRISHNAMURTHY 5531330298660 09430

INDORE STATE BANK OF INDORE5, YESHWANT NIWAS ROADINDORE 452003

VIJAY CHATTAR 0731-25475179425067039

KOLKATTA SBI MAIN BRANCHSAMMRIDDI BHAVAN3RD FLOOR, 1, STRAND ROADKOLKATTA 700001

M.S. SHRINIVASAN 033-224817299830600116

STATE BANK OF INDIA

JEEVANDEEP BLDG.,GROUND FLOORMIDDLETON STREET,KOLKATTA 700071

SANDIP DUTTA

PRODYUT KUMARMAJUMDAR

033-22882442

LUDHIANA SBI, 1ST FLOOR,FOUNTAIN CHOWKCIVIL LINESLUDHIANA 141001

RAJESHKUMAR DHANDA 0161-50011800161-50256349814740264

MUMBAI STATE BANK OF INDIA

M.G. ROADGHATKOPAR EASTMUMBAI 400077

JOGENDRA SINGH 022-25020955022-25020964

9819491971

MUMBAI SBI NRI BRANCH,, 1ST FLOORTULSIANI CHAMBERSNARIMAN POINTMUMBAI 400021

SANKET RAHATADE 022-220403859819084369

MUMBAI SBI, SPB BRANCHMUMBAI SAMACHAR MARG

FORTMUMBAI 400001

SANTOSH SHARMA 022-22631289/909892972163



NEW DELHI SBI SPB BRANCH11, PARLIAMENT STREETNEW DELHI 110001

RAVINDRA RAWAT 011-23311777011-309340001

PUNE

STATE BANK OF INDIADECCAN GYMKHANA BRANCHJ.M. ROAD, DECCAN GYM.PUNE

RAPHAEL FERNANDES

CHANDRAPRAKASHSHARMA

9520-25539399

98232-59092

SALEM SBI SIRUTHOZHIL BRANCHBANK HOUSE68, CHERRY ROADSALEM 636007 TAMIL NADU

S. DIVYANAL. PARTHASARATHY

98427 9997198948 19005

SURAT SBI, GHOD DHOD BRANCH

U-25-28, MEGH MAYUR PLAZASURAT 390 007

PARANTAP GOSWAMIJATIN BORSALIWALA

98257 0616896

FOREIGN INWARD REMITTANCE[Print Page]

Drafts in Indian rupees can be purchased from exchange companies or ourcorrespondents and mailed to the branch where you have your account.

Telegraphic or wire transfers can be made through our branches abroad [Clickhere to Branches] or our correspondents to branches having SWIFT/TT drawingarrangements. Please indicate your account number clearly.

Cheques can be deposited for credit of your accounts. These will be collectedand credited to your accounts.

Travelers cheques can be tendered by you personally during your visit to India.

If your branch is SWIFT enabled [Click here for SWIFT Branches] you can transferfunds from anywhere by SWIFT.

For speedy credit to accounts from Gulf, you can use SBI Express.

For speedy credits from USA use sbiexpress credit.SBI exprress credits are through theAutomated Clearing House (ACH), log on to www.onlinesbi.com/gls. Your money will becredited to your account in 4 days. [at present, there are no charges for remittancesover $100




https://www.sbi.co.in/user.htm?action=foreignoffices



https://www.sbi.co.in/user.htm?action=branchlocator_result&mode=next&seltype=SLOcode&selzone=&combooption=yes&regi=&radio_searchtype=partial&selection=SLOcode&txt_selectedvalue=-1&search.x=11&search.y=13&search=Search&num_branchtype=-1&num_service=-1


https://www.onlinesbi.com/gls










ELECTRONIC TRANSFER CHARGES (ALL SEGMENT)

[Print Page]

ELECTRONIC TRANSFER CHARGES (ALL SEGMENT)

SL.

No.

Inter-Core

Charges

between our

branches

Max. Amt. Charges

1.

Transfer

transaction

between SBI

branchesLocal/Outstation

Subject to restriction

for non-home

transactions for

different branches. NIL

2.

Cash

Transaction

between SBI

Branches: Local

/Outstation

(i)

Deposit of cash

at non-homeCBS branches

P-Segment-

Rs.25,000/- per day

SME Segment-

Rs.2.00 lac per day

Rs.2/- per

1000.

min.Rs.10/-

per transaction

(iv)

Encashment of

cheque at non

home branch

P-Segments;

Max.limit:Rs.50,000/-

SME segment:

Max.Limit:1.00 lacs

Free

Free upto

Rs.50,000/-

Rs.2/- per

1000 above

50,000/-







RTGS/NEFT/ECS CHARGES[Print Page]

RTGS/NEFT/ECS CHARGES

Sl

No. Items

Transaction

Slab Charges

1. NEFT

Upto Rs.10,000- Rs.2.50

Upto Rs.1.00lac

Rs.5.00

Above Rs.1.00lac to 2.00 lacs

Rs.15.00

Above Rs.2.00lacs

Rs.25.00

a) RTGS Customer Transactions (R-41)

Time of settlement

at the RBI Transaction Slab Chaqrges From To

09.00Hours

12.00Hours

Rs.2.00 lacs toRs.5.00 lacs

Rs.25

Above Rs.5.00 lacs Rs.51

After12.00Hours

15.30Hours


Rs.26


After15.30Hours

16.30Hours (onweek days)


Rs.31


b) RTGS Inter-Bnak Transactions (R-42)

Time of settlement at theRBI Transaction Slab Charges From To

09.00Hours

12.00 Hours Rs.2.00 lacs toRs.5.00 lacs

Rs.25


After 12.00Hours

15.30 Hours Rs.2.00 lacs toRs.5.00 lacs

Rs.26


After 15.30Hours 16.30 Hours(on week days)

Rs.2.00 lacs to

Rs.5.00 lacs Rs.31 Above Rs.5.00 lacs Rs.56

NOTE: i) Charges are to be recovered from the account where the credit is

afforded. However, no recovery shall be effected from the accounts of Vishesh Customers and holders of Savings Plus and Premium SavingsAccounts.

ii) Charges recovered are to be credited to the branch which puts throughthe transactions. iii) Circles have the discretion to reduce the maximum cash withdrawal limit per

non-home transaction at non-chest branches. iv) Non-home transactions will be allowed to be conducted without any service







charges from all Staff/SBI Pensioners and Staff of Associates.

i) Above charges are applicable to all type of transactions, including inter-bank funds transfer (RTGS R-42).

ii) As above charges are all inclusive, no additional charges such as Couriercharges, out of pocket expenses etc., need to be levied from thecustomers.

iii) The charges are applicable only to transactions originated and payablewithin India.

iv) To reduce the Clearing Cycle and to promote electronic mode of payment,the drawee branches should use electronic modes like RTGS/NEFT,wherever available, to remit proceeds to the collecting branches.

NOTE: CONCESSIONS IN SERVICE CHARGES

i) Service charges for certain categories of customer like individuals in ruralareas, pensioners and senior citizens, the service charges has been

reduced to 50% of applicable prescribed charges in respect of followingservices :

a) Issue of duplicate Passbook/statement of accounts. b) Issue of cheque books. c) Noting of Standing Instructions. d) Stop payment instructions. e) Charges for non-maintenance of minimum balance. f) Issue of balance certificate. g) Signature verification. h) Ledger folio charges.

ii) No service charges will be levied for “no frill” accounts.

iii) BPR entities and Managers of Division will also exercise powers inrespective grades as above in regard to concession in service charges.

The charges are inclusive of Service Tax and no separate recovery is required to bemade



PERSONAL SEGMENT ADVANCE RELATED SERVICE CHARGES[Print Page]

(i) Home Loan Processing Fee

Sl No. Items Loan Amount & Processing charges

1. Home Loan

Upto Rs. 25 lacs 0.25% of loan amt. Min. Rs. 1000/-

Above Rs. 25 lacss and upto Rs. 75 lacs Rs. 6500/-

Above Rs. 75 lacs- Rs. 10,000/-

(ii) Processing Charges for Auto Loans

Sl No. Items Processing

charges

1. SBI Car Loan

0.51% of Loan Amount:Min. Rs.1020/- Max.Rs.10200/

Rs.510/- (under SpecialSalary Package) Rs.5100/- for Mercedescars Rs. 500/ per application,till 31.03.2013

2. NRI Car Loan

0.51% of Loan Amount :Min. Rs.1020/- Max.Rs.10200/- Rs.5100/- for Mercedescars Rs. 500/ per application,till 31.03.2013

3. Used Car Loan 0.51% of Loan Amount:Min. Rs.510/- Max.Rs.10200/-

4. Certified Pre- owned Car Loan 0.51% of Loan Amount:Min. Rs.510/- Max.Rs.10200/-

5. Two-wheeler Loan 1.22% of Loan Amount:Min. Rs.255/- Max. Rs510/-

(iii) Processing Charges for other ‘P’ Segment Loans

Sl

No.

Items Processing

charges 1. Xpress Credit 1.01% of Loan Amount

2.

SBI Saral

(a) If credit score is 60 orabove

2.02% of Loan Amount

(b) If credit score is 50 to 60 3.03% 0f Loan Amount

3. Festival Loan 1.01% of Loan Amount

4. Personal loan against Mortgageof Immovable Property

2.02% of Loan Amount Max. Rs.50,933/-

5. Rent Plus 2.02% of Loan Amount

Max. Rs.1,01,,865/-

6. Loans to Emp. to purchase of ESOPs of their own Company Rs. 2040/- per application







7.

Loans for subscription of IPO.

(a) For 1st Application Rs. 511/-

(b) For subsequent Application Rs.101/-

8. Equity Plus Rs. 2040/- per application

9.

Gold Loan

(a) For loan upto Rs.25000/- Rs. 511/-

(b) For loan above Rs.25000/- 1.01% of Loan amt. or Rs.1022/- whichever is higher

10. Advances against RBI Relief Bond


11. Loan against Demat Units of Open Ended Schemes of SBIMutual fund


12. Career Loan 0.51% of Loan amt.

13. Loan against the units of SBIDebt Fund Series

0.51% of Loan amt. Minimum Rs. 101/-

GOVERNMENT BANKING CHARGES FOR e-FREIGHT FACILITY TOCUSTOMERS

[Print Page]

Inter-city transaction for alle-Fright

Service Charges.

Intra-City Free.

Inter-city per transaction Upto Rs.20,000/- Above Rs.20,000/- but uptoRs.5.00 lacs Above Rs.5.00 lacs

Rs.100/- per transaction.







INVESTOR RELATIONS[Print Page]

State Bank of India, the country‟s largest commercial Bank in terms of profits,

assets, deposits, branches and employees, welcomes you to its „Investors Relations‟

Section. SBI, with its heritage dating back to the year 1806, strives to continuouslyprovide latest and upto date information on its financial performance. It is ourendeavor to walk on the path of transparency and allow complete access to all thestakeholders enabling total awareness about the Bank. The Bank communicates withthe stakeholders through a variety of channels, such as through e-mail, website,conference call, one-on-one meeting, analysts‟ meet and attendance at InvestorConference throughout the world

Please find below Bank‟s financial results, analysis of performance and other

highlights which will be of interest to Investors, Fund Managers and Analysts. SBIhas always been fundamentally strong in its core business which is mirrored in itsresults – year after year.

Heading Contents

Current Information Q1 FY 2013-14Results

Press Release Q1 FY 2014 Abridged Profit & Loss Q1 FY 2014 Analyst Presentation Q1 FY 2014

FY 2012-13 Results Press Release FY 2012-13 Abridged Profit & Loss FY 2012-13 Analyst Presentation FY 2012-13

Q3 FY 2012-13

Results


Q2 FY 2012-13Results

Press Release H1 FY 2013 Abridged Profit & Loss H1 FY 2013 Analyst Presentation Q2 FY 2013



FY 2011-12 Results Press Release FY 2011-12 Abridged Profit & Loss FY 2011-12 Analyst Presentation FY 2011-12

Q3 FY 2011-12

Results

Press Release Q3 FY12 Abridged Profit & Loss Q3 FY12 Analyst Presentation Q3 FY12

H1 FY 2011-12Results

Press Release H1 FY12 Abridged Profit & Loss H1 FY12 Analyst Presentation H1 FY12


Press Release Q1 FY12 Abridged Profit & Loss Q1 FY12 Analyst Presentation Q1 FY12

FY 2010-11 Results Press Release FY11 Abridged Profit & Loss FY11 Analyst Presentation FY11

SBI Q3FY 2010-11

Results

Press Release Q3 FY11

Abridged Profit & Loss Q3 FY11 Analyst Presentation Q3 FY11




http://www.sbi.co.in/webfiles/uploads/files/1376299103669_PRESS_RELEASE_Q1_FY_2014.pdf



http://www.sbi.co.in/webfiles/uploads/files/1376299103669_PROFIT_AND_LOSS_Q1_FY_2014.pdf



http://www.sbi.co.in/webfiles/uploads/files/1376299103669_ANALYST_PRESENTATION_Q1_FY_2014.pdf



http://www.sbi.co.in/webfiles/uploads/files/1369313794953_PRESS_RELEASE_FY13.pdf



http://www.sbi.co.in/webfiles/uploads/files/1369313794953_PROFIT_AND_LOSS_FY13.pdf



http://www.sbi.co.in/webfiles/uploads/files/1370069393224_ANALYST_PRESENTATION_FY13.pdf



http://www.sbi.co.in/webfiles/uploads/files/1360850555824_PRESS_RELEASE_Q3FY13.pdf



http://www.sbi.co.in/webfiles/uploads/files/1360850555824_PROFIT_AND_LOSS_Q3FY13.pdf



http://www.sbi.co.in/webfiles/uploads/files/1360850555824_ANALYST_PRESENTATION_Q3FY13.pdf



http://www.sbi.co.in/webfiles/uploads/files/1352464509164_PRESS_RELEASE_H1FY13.pdf



http://www.sbi.co.in/webfiles/uploads/files/1352464509164_PROFIT_AND_LOSS_H1FY13.pdf






http://www.sbi.co.in/webfiles/uploads/files/1344609743258_Q1FY13_PRESS_RELEASE.pdf



http://www.sbi.co.in/webfiles/uploads/files/1344609743258_Q1FY13_PROFIT_LOSS.pdf



http://www.sbi.co.in/webfiles/uploads/files/1344609743258_Q1FY13_ANALYST_NEW.pdf



http://www.sbi.co.in/webfiles/uploads/files/1337351124424_PRESS_RELEASE_FY_12.pdf



http://www.sbi.co.in/webfiles/uploads/files/1337351124424_FINAL_EXCEL_SHEET_FY_12.pdf



http://www.sbi.co.in/webfiles/uploads/files/1337351124424_ANALYST_PPT_FY_12.pdf



http://www.sbi.co.in/webfiles/uploads/files/1329143017123_IR_PRESS_RELEASE_Q3_2012.pdf



http://www.sbi.co.in/webfiles/uploads/files/1329143017123_IR_PROFIT_LOSS_Q3_2012.pdf



http://www.sbi.co.in/webfiles/uploads/files/1329381455852_IR_ANALYST_Q3FY12_NEW.pdf



http://www.sbi.co.in/webfiles/uploads/files/1320824561002_PRESS_RELEASE.pdf



http://www.sbi.co.in/webfiles/uploads/files/1320824561002_PROFIT_AND_LOSS.pdf



http://www.sbi.co.in/webfiles/uploads/files/1320906107492_SBI_ANALYSTS_PRESENTATION_H1FY12.pdf



http://www.sbi.co.in/webfiles/uploads/files/1313243785585_PRESS_RELEASE_Q1FY12_13_08.pdf






http://www.sbi.co.in/webfiles/uploads/files/1313243785585_SBI_Q1FY12_ANALYST_PPT.pdf






http://www.sbi.co.in/webfiles/uploads/files/1305640089870_Q4_FY11.pdf



http://www.sbi.co.in/webfiles/uploads/files/1306475225475_FY_2011_ANALYST_PPT.pdf
















































SBI H1FY 2010-11Results

Press Release H1 FY11 Abridged Profit & Loss H1 FY11 Analyst Presentation H1 FY11

SBI Q1FY 2010-11

Results

Press Release Q1 FY11 Press Advertisement Q1 FY11

Abridged Profit & Loss Q1 FY11 Analyst Presentation Q1 FY11

SBI FY 2009-10Results

Press Release FY10 Press Advertisement FY10 Abridged Profit & Loss FY10 Analyst Presentation FY-10

SBI Q3 FY 10

Analyst Presentation Q3 FY10 Press Release Q3 FY10 Press Advertisement Q3 FY10 Notes to Press Advertisement Q3FY10 Abridged Profit & Loss Q3 FY10

H1 FY10

Analyst Presentation H1 FY10 Press Release H1 FY10 Press Advertisement H1 FY10 Abridged Profit & Loss H1 FY10

SBI Q1 FY10

Analyst Presentation FY-09 Press Release Q1 FY10 Press Advertisement Q1 FY10

Abridged Profit & Loss Q1 FY10

FY 2008-09 Results

Analyst Presentation FY-09 Press Release FY-09 Press Advertisement FY-09

Abridged Profit & Loss FY-09


Press ReleaseAbridged Profit & Loss Unaudited Financial Results for the period ended 31st

December 2008 Notes Analyst Presentation

SBI H1 FY-09 Results

Press Release Abridged Profit & Loss Unaudited Financial Results for the Half Year Ended 30th

September 2008 ANALYST PRESENTATION - H1FY09

Q1FY08-09 Results

Press Release in connection with Q1FY09 results

Comparison of Performance (abridged Profit and LossAccount) Q1FY 09

Audited Financial results for the year ended 30th June

2008

FY 2007-08 Results

Analyst Presentation FY08 Press Release FY 08

Press Advertisement FY08

http://www.sbi.co.in/webfiles/uploads/files/PRESS_RELEASE_H1FY11.pdf



http://www.sbi.co.in/webfiles/uploads/files/Q2FY11.pdf



http://www.sbi.co.in/webfiles/uploads/files/ANALYSTS_PRESENTATION_H1FY11.pdf



http://www.sbi.co.in/webfiles/uploads/files/PRESS_RELEASE_Q1_FY11.pdf



http://www.sbi.co.in/webfiles/uploads/files/PRESS_ADVERTISEMENT_Q1_FY11.pdf



http://www.sbi.co.in/webfiles/uploads/files/ABRIDGED_PROFIT_AND_LOSS_Q1_FY11.pdf



http://www.sbi.co.in/webfiles/uploads/files/ANALYSTS_PRESENTATION_Q1FY_2011.pdf


http://www.sbi.co.in/webfiles/uploads/files/PressRelease.pdf



http://www.sbi.co.in/webfiles/uploads/files/PressAdevertisement.pdf



http://www.sbi.co.in/webfiles/uploads/files/AbridgedProfitnLoss.pdf



https://www.sbi.co.in/webfiles/uploads/files/ppt%20for%20analyst.pdf



http://www.sbi.co.in/webfiles/uploads/files/Presentation_Q3FY10.pdf



http://www.sbi.co.in/webfiles/uploads/files/1265179998197_Final_PR.pdf



http://www.sbi.co.in/webfiles/uploads/files/09-DecPressAdd_with_CFS.pdf



http://www.sbi.co.in/webfiles/uploads/files/09_Dec_Results_Notes.pdf



http://www.sbi.co.in/webfiles/uploads/files/AbridgedProfitLoss.pdf



http://www.sbi.co.in/webfiles/uploads/files/PPT_Analysts_Meet_31OCT09.pdf



http://www.sbi.co.in/webfiles/uploads/files/Final_Press_Release_H1_FY10NEW.pdf



http://www.sbi.co.in/webfiles/uploads/files/Press_Advt_H1FY10.pdf



http://www.sbi.co.in/webfiles/uploads/files/H1FY10_Presentation.pdf



https://www.sbi.co.in/webfiles/uploads/files/Q1FY10/Q1FY10_Presentation.pdf



https://www.sbi.co.in/webfiles/uploads/files/Q1FY10/PressRelease.pdf



https://www.sbi.co.in/webfiles/uploads/files/Q1FY10/PressAdvertisement.pdf



https://www.sbi.co.in/webfiles/uploads/files/Q1FY10/AbridgedProfit&Loss.pdf


http://www.sbi.co.in/webfiles/uploads/files/Chairman-PPT-to-Analysts_130509.pdf



http://www.sbi.co.in/webfiles/uploads/files/PressRelease_090509.pdf



http://www.sbi.co.in/webfiles/uploads/files/PressAdd_230509.pdf



http://www.sbi.co.in/webfiles/uploads/files/Final-Excel-Sheet-FY-09_230509.pdf


http://www.sbi.co.in/user.htm?action=downloadfile_2&filename=1232788210234-PressRelease_9MFY09.pdf


http://www.sbi.co.in/user.htm?action=downloadfile_2&filename=1232788210234-Abridged_9MFY09.pdf



http://www.sbi.co.in/user.htm?action=downloadfile_2&filename=1232788210234-Unaudited_Dec2008.pdf




http://www.sbi.co.in/user.htm?action=downloadfile_2&filename=1232788210234-Notes_08-Dec.pdf



http://www.sbi.co.in/user.htm?action=downloadfile_2&filename=1232788210234-Q3_0809_PRESENTATION.pdf



https://www.sbi.co.in/webfiles/uploads/files/1225267302937-Final%20Press%20Release%20H1FY09.pdf



https://www.sbi.co.in/webfiles/uploads/files/1225120674593-H1FY09.pdf



https://www.sbi.co.in/webfiles/uploads/files/1225120785609-Press_Advt.pdf




https://www.sbi.co.in/webfiles/uploads/files/1227616667890-Analyst%20Presentation%20H1FY09.pdf



https://www.sbi.co.in/webfiles/uploads/files/1227689297687-PRESS%20RELEASE%20Q1%20FY09.pdf


https://www.sbi.co.in/webfiles/uploads/files/1217068867343-Excel%20Q1FY09.pdf



https://www.sbi.co.in/webfiles/uploads/files/1217059445453-08-JunPressAdd%20with%20CFS.pdf



https://www.sbi.co.in/webfiles/uploads/files/1227692655562-fianl%20analyst%20presentation%20fy%2008.pdf



https://www.sbi.co.in/webfiles/uploads/files/1227692673718-Press_release_v6.pdf



https://www.sbi.co.in/webfiles/uploads/files/1227692709296-SBI%20Financial%20Advt%20FY8.pdf



















































Historic Data

Share holding Pattern as on 31st March 2010

SBI Financial Highlights: Past 7 years

State Bank GroupData

P & L Account Details of SBI Group for the year 2010 –

11 State Bank Group – Financial Highlights – 2006 – 11

http://www.sbi.co.in/user.htm?action=downloadfile_2&filename=1275473532345_SHAREHOLDING_PATTERN_OF_SBI_AS_ON_310310.pdf



http://www.sbi.co.in/webfiles/uploads/files/1330696656790_SBI_FINANCIAL_HIGHLIGHTS_COPY.pdf


http://www.sbi.co.in/webfiles/uploads/files/1330696656790_SBI_GROUP_2010_11_PL.pdf






http://www.sbi.co.in/webfiles/uploads/files/1330696656790_SBI_GROUP_FINANCIAL_HIGHLIGHTS.pdf









http://www.sbi.co.in/user.htm?action=downloadfile_2&filename=1184151559656-State%20Bank%20Group%20March%202007.ppt






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