SBI

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[Print Page]
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Now you can earn a higher income on your surplus funds by investing those with us.We
provide security, trust and competitive rate of interest.
M½lexibility in period of term deposit from 15 days to 10 years.
Mffordable Low Minimum Deposit mount: You can open a term deposit with SBI for a
nominal amount of Rs.1000/- only.
MPlease check our Interest Rates online or simply email through our Helpline.
M½lexibility in choosing the amount you wish to invest and the maturity period.

- We understand the value of your hard earned money and continue to deliver on
our promise of safety and security over 200 years.
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: You can avail a loan/overdraft against your deposit. SBI provides
you loan / overdraft up to 90% of your deposit amount at nominal cost. So you continue to
earn interest in your deposit and still can meet your urgent financial requirements.

Interest to be charged on premature withdrawal of term deposits at 1.00% below the rate
applicable for the period deposit has remained with the Bank.
M

- Transfer of Term Deposits between our wide network of branches
without any charge.
DDD Mr
!

- Under our Special Term
Deposit Scheme, interest accrues in your account and gets compounded quarterly. Besides,
we assure timely delivery of the proceeds of your deposit with interest, on
maturity.½lexibility of payment on maturity through Cash (subject to prevalent Income Tax
ct), Banker's Cheque, Credit in Savings Bank/Current account.
M Term Deposits are available at all SBI Branches
M Êasy and convenient access of 24X7 information at SBI Internet Banking.
M Nomination ½acility - vailable.
!

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Tax Deductible at Source, as per Income Tax ct.½rom 01.04.2010, the rate of TDS will be
higher of 20% or the applicable rate in all cases where valid PN is not quoted by the
recipient. The declaration filed in 15G and 15H shall not be valid unless the person filing the
declaration furnishes his/her PN in such declaration.

There is no need for you to keep track of the maturity of your deposits. Your deposits with
us will be renewed automatically, post maturity and you continue to earn interest for same
period as that of your matured deposit, at the interest rate prevailing at the time of
maturity. utomatic renewals take place where there are no standing instructions for
renewal.

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You can convert your special Term Deposit to a Term Deposit to receive
monthly/quarterly interest payments to match your financial requirements. Quarterly
interest at calendar quarter is also available.
You can also convert your Term Deposit to a Special Term Deposit, which provides
compounded rate of interest to multiply your money faster.
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1.Interest will be paid at the contracted rate irrespective of change in the rate
thereafter.
2.Period of deposit 15 days to 10 years
3.Loans / OD upto 90% of the Principal at 1%* above the TDR rate
4.Premature withdrawal facility available at 1%* less interest than the actual
period deposit has remained with the Bank
5.Quarterly compounded Interest
6.Interest can be paid on monthly intervals on discounted rate.
7.Interest can also be paid at Calendar quarter basis
8.TDS at prevalent rate is deducted at source if ½orm 60 not submitted
9.uto renewal is exercised if maturity instructions are not given
10.Permission to convert TDR to STDR and vice versa required
11.Nomination facility available
*s on 1st March 20110 0Ê Ê Ê
[Print Page]

new scheme ³SBI Loan to ffluent Pensioners´ is formulated to match the requirements
and higher repayment capacity of those with higher salaries and pensions The salient
features of ³SBI Loan to ffluent Pensioners´ scheme are as under:-
Ê

$
(a)Pensioners:
(i)ll Central, State Government pensioners and SBI Pensioners whose pension accounts
are maintained by our branches.
(ii) Pensioners whose pensions are disbursed by Govt. Treasuries by cheques drawn in favor
of our branches as per mandate of the pensioner are also eligible subject to condition that
pensioner should not be more than 72 years of age
(b)½amily Pensioners: ½amily pensioner, i.e. spouse authorized to receive pension after the
death of the pensioner, subject to condition that family pensioner should not be more than
65 years of age.
0 $
(a) Pensioners: Maximum of 12 months net pension with a ceiling of Rs.3.00 lac
è
(b) ½amily Pensioners: maximum of 9 months net family pension with a ceiling of Rs.1.50
lacs In no case the ÊMI should be more than 25% of the net pension drawn by the family
pensioner.
r

:
(a) Pensioners: Third party guarantee (TPG) of the spouse eligible for family pension. In
theabsence of the spouse, TPG of any other family member or a third party worth the loan
amount.
b) ½amily Pensioners: Third party guarantee of a person who has been maintaining a
satisfactorily conducted account with the bank, preferably of the son/daughter of the family
pensioner.

$In ÊMIs commencing from the pension payable one month after
disbursal of loan. Installment is deducted at the time of payment of pension:

Up to 70 years 36 months 73 years
70-72 years 24 months 74 years
"Pensioners will have to submit their PN Number or ½orm 15H before availing loan
under this scheme.

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Nil

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along with the Ê Ê Ê % in a survey conducted by &
in association with r
' ( in 21 cities acrossIndia.
% Ê0 now offers Interest Rates concessions on( ÊÊ Ê in accordance
with SBI's commitment to Ênvironment protection.
SBI Home Loans come to you on the solid foundation of trust and transparency built in the
tradition of State Bank of India.
Best Practices followed in SBI mentioned below will tell you why it makes sense to do
business with State Bank of India.
Ë
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M Package of exclusive benefits.
M Low interest rates. ½urther, we charge interest on a daily reducing balance!!
M Low processing charges.
M No hidden costs or administrative charges.
M No prepayment penalties. Reduce your interest burden and optimally utilize

your surplus funds by prepaying the loan.
M Over 13,700 branches nationwide, you can get your Home Loan account
parked at a branch nearest to your present or proposed residence.
r 0 r ÊÊ Êr

[Print Page]
SBI provide the best car loan scheme for you to take a loan for purchase of used car, not
more than 5 years old.
% $
wNo dvance ÊMI;
wLongest repayment tenure (7 years);
wLower interest rates
wLower ÊMI;
wLTV of µOn Road Price¶ of car (includes registration, insurance and cost of
accessories worth Rs 25000),
wInterest Calculated on Daily Reducing Balance;
w½lexibility of payment of ÊMI anytime during the month;
wLow pre-payment penalty, only 2%;
wLow processing fee (only 0.50% of loan amount);
w½ree ccidental insurance ;
wOptional SBI Life cover.

You can take finance for purchase of passenger cars, Multi Utility Vehicles (MUVs) and SUVs
not more than five years old.
Ê

To avail an SBI Car Loan, you should be:
M Individual between the age of 21-65 years of age.

M Permanent employee of State / Central Government, Public Sector Undertaking,
Private company or a reputed establishment or
M Professionals or self-employed individual who is an income tax assessee or
M Person engaged in agriculture and allied activities.
M Net nnual Income Rs. 100,000/- and above.

0
Maximum Loan amount will be 2.5 times of net annual income. Spouse¶s income could also
be considered provided the spouse becomes a co-borrower in the loan.

You would need to submit the following documents along with the completed application
form:
1. Statement of Bank account of the borrower for last 12 months.

2. 2 passport size photographs of borrower(s).
3. Signature identification from bankers of borrower(s).
4. copy of passport /voters ID card/PN card.
5. Proof of residence.
6. Latest salary-slip showing all deductions
7. I.T. Returns/½orm 16: 2 years for salaried employees and 3 years for
professional/self-employed/businessmen duly accepted by the ITO wherever
applicable to be submitted.
8. Proof of official address for non-salaried individuals.

15% of the on the road price (which includes vehicle registration charges, insurance, one-
time road tax and accessories).

You can enjoy the longest repayment period in the industry with us as long as 84 months.
ë

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)to view the interest rates.

Only 0.50% of Loan amount to be paid up front as processing fee, with minimum: Rs. 500/-
and maximum Rs. 10,000
25% of Processing fee will be retained if application is rejected after pre-sanction survey.

s per Bank's extant inst
' ÊÊ0Ê 0

[Print Page]
SBI provide the best Two- Wheeler loan scheme for you to take a loan for purchase of new
Two- Wheeler.
% $
wNo dvance ÊMI;
wLower interest rates Lowest ÊMI;
wLTV of µOn Road Price¶ of vehicle;
wInterest Calculated on Daily Reducing Balance;
w½lexibility of payment of ÊMI anytime during the month;
wLow processing fee (only 1.20% of loan amount);
w½ree ccidental insurance ;
wOptional SBI Life cover.

To provide finance for purchase of new Two-wheelers viz. scooter/motor cycle/
moped/battery-operated vehicles.
Ê

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

0
w½or salaried persons, the maximum loan amount is restricted to 6 time¶s Net
Monthly Income (NMI), i.e. net of all deductions including actual monthly tax
deductions at source.
wIn case of others, the maximum loan amount is restricted to half of Net nnual
Income (NI), i.e. income as per latest income tax return filed less taxes payable.
w½or agriculturists, the net annual income should be arrived based on the nature of
their activity (i.e. farming, dairy poultry, orchards, etc) land holding, cropping
pattern, yield, etc., and average level of income derived there from in the area.

The following papers are to be submitted along with loan application:
1. Statement of Bank account of the borrower for last 12 months.

2. 2 passport size photographs of borrower(s).
3. Signature identification from bankers of borrower(s).
4. copy of passport /voters ID card/PN card.
5. Proof of residence.
6. Latest salary-slip showing all deductions and TDS certificate-½orm 16 in case of
salaried persons
7. Copy of Income Tax Return for last two financial years, duly acknowledged by ITO
for professionals, self-employed and others.
8. Proof of official address for non-salaried individuals.

15% of the on the road price (which includes vehicle registration charges, insurance, one-
time road tax).

You can repay the loan within 36 months.

A
r
)to view the interest rates.

Only 1.20% of Loan amount to be paid up front as processing fee, with minimum:Rs.250
and maximum Rs. 500

s per Bank's extant instructions. ructions.

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[Print Page]

term loan granted to Indian Nationals for pursuing higher education in India or abroad
where admission has been secured.

Ê

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$
M Graduation, Post-graduation including regular technical and professional

Degree/Diploma courses conducted by colleges/universities approved by
UGC/ ICTÊ/IMC/Govt. etc
Regular Degree/ Diploma Courses conducted by autonomous institutions like

IIT, IIM etc
M Teacher training/ Nursing courses approved by Central

government or the State Government
Regular Degree/Diploma Courses like eronautical, pilot training, shipping

etc. approved by Director General of Civil viation/Shipping

M Vocational Training and skill development study courses will not be
covered under the Êducation Loan Scheme, as the scheme is framed to
provide bank loans for higher studies.

"
$

M DDDGraduation/ Post-graduation for job oriented professional/ technical

courses offered by reputed universities

Ê!

M ½ees payable to college/school/hostel
M Êxamination/Library/Laboratory fees
M Purchase of Books/Êquipment/Instruments/Uniforms
M Caution Deposit/Building ½und/Refundable Deposit (maximum 10% tution fees for
the entire course)
M Travel Êxpenses/Passage money for studies abroad
M Purchase of computers considered necessary for completion of course
M Cost of a Two-wheeler upto Rs. 50,000/-
ny other expenses required to complete the course like study tours, project work etc.
0
M ½or studies in India, maximum Rs. 10 lacs

M Studies abroad, maximum Rs. 20 lacs

Click Here ½or Interest Rates

M No processing fee/ upfront charges
M Deposit of Rs. 5000/- for education loan for studies abroad which will be adjusted in
the margin money

Repayment will commence one year after completion of course or 6 months after securing
a job, whichever is earlier.

0

*
Studies in India Rs. 10.0 lacs 5-7
Studies broad Rs. 20.0 lacs 5-7

"
"

"
"

Upto Rs. 4
No Security
lacs
bove Rs. 4 Collateral security in the form of suitable third

lacs to Rs. party guarantee. The bank may, at its
7.50 lacs discretion, in exceptional cases, weive third
party guarantee if satisfied with the net-
worth/means of parent/s who would be
executing the documents as Vjoint borrowerV.
Tangible collateral security of suitable value,
bove Rs.
along with the assignment of future income of
7.50 lacs.
the student for payment of installments.

"

+ '

'
'

M ½or loans up to Rs.4.0 lacs : No Margin
M ½or loans above Rs.4.0 lacs:
Studies in India: 5%
Studies broad: 15%

M Completed Êducation Loan pplication ½orm.

M Mark sheets of last qualifying examination
M Proof of admission scholarship, studentship etc
M Schedule of expenses for the specified course
M 2 passport size photographs
M Borrower's Bank account statement for the last six months
M Income tax assessment order, of last 2 years
M Brief statement of assets and liabilities, of the Co-borrower
M Proof of Income (i.e. Salary slips/ ½orm 16 etc)
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[Print Page]

Do you want funds readily available to you whenever you desire or need, be it a sudden
vacation that you plan with your family or urgent funds required for medical treatment? SBI
Saral - Personal Loan is the answer to your questions.
ccess this facility from over 3000 branches across the country and confidently face the
challenge of meeting any kind of personal expenses!!
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M Low interest rates. ½urther, we charge interest on a daily reducing balance!!
M Low processing charges; only 2%-3% of loan amount
M No hidden costs or administrative charges.
M No security required ««which means minimal documentation«something that you had
always wanted.
M No prepayment penalties. Reduce your interest burden and optimally utilize your surplus
c
funds by prepaying the loan (1% of the loan amount will be charged if you repay the
loan before 6 months)
M Long repayment period of up to 48 months.

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

You are eligible if you are a Salaried individual of good quality corporate, self employed
engineer, doctor, architect, chartered accountant, MB with minimum 2 years standing.

0
Your personal loan limit would be determined by your income and repayment capacity.
Minimum : Rs.24,000/- in metro and urban centres
Rs.10,000/- in rural/semi-urban centres
Maximum : 12 times Net Monthly Income for salaried individuals and pensioners subject to
a ceiling of Rs.10 lacs in all centres

Important documents to be furnished while opening a Personal Loan ccount:
!

)
Passport size photograph

Latest salary slip and ½orm 16

We do not insist on any margin amount.

$
Click here for Interest Rates

The loan is repayable in 48 ÊMI. You are allowed to pay more than the ÊMI if you wish to,
without attracting any prepayment penalty.

0

Processing charges are 2-3% of the loan amount. This is amongst the lowest fees in the
cc
industry. Processing fees have to be paid upfront. There are no hidden costs or other
administrative charges.

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[Print Page]

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[Print Page]

%)
provides information on the various Interest rates offered by it on
various loans and deposit schemes.
Details of Up-to-date interest rates scheme-wise is given in the sections one could click on
to.
SBI now provides your ccount Balance and Transaction details over phone round-the-clock.
Information on deposits & loan schemes and services also available.
Call
(tollfree from BSNL/MTNL)

New Contact Centre ccess Numbers.

M Domestic deposits (below Rs one crore) interest rates revised

w.e.f. "
"
.
M Domestic deposits (Rs one crore & above) interest rates revised
w.e.f.
" "

.
M BPLR (State Bank dvance Rate) revised upwards by 25 bps from 13.00% p.a.
to 13.25% p.a. w.e.f"
"
.
M Base Rate revised upwards by 25 bps from 8.25% p.a. to 8.50% p.a.
w.e.f "
"

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SBI

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Ê Ê

11.Nomination facility available

*s on 1st March 20110  0Ê Ê  Ê 

0  $

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V Ê  Ê Ê Ê Ê 0 &Ê V voted in r 

M Package of exclusive benefits.

M Low interest rates. ½urther, we charge interest on a daily reducing balance!!

M Low processing charges.

M No hidden costs or administrative charges.

M No prepayment penalties. Reduce your interest burden and optimally utilize

r 0 r ÊÊ  Êr 

wNo dvance ÊMI;

wLongest repayment tenure (7 years);

wLower interest rates

wInterest Calculated on Daily Reducing Balance;

w½lexibility of payment of ÊMI anytime during the month;

wLow pre-payment penalty, only 2%;

wLow processing fee (only 0.50% of loan amount);

w½ree ccidental insurance ;

wOptional SBI Life cover.

To avail an SBI Car Loan, you should be:

M Individual between the age of 21-65 years of age.

1. Statement of Bank account of the borrower for last 12 months.

' ÊÊ0Ê 0

wNo dvance ÊMI;

wLower interest rates Lowest ÊMI;

wLTV  of µOn Road Price¶ of vehicle;

wInterest Calculated on Daily Reducing Balance;

w½lexibility of payment of ÊMI anytime during the month;

wLow processing fee (only 1.20% of loan amount);

w½ree ccidental insurance ;

wOptional SBI Life cover.

To avail an SBI Car Loan, you should be :

The following papers are to be submitted along with loan application:

1. Statement of Bank account of the borrower for last 12 months.

You can repay the loan within 36 months.

s per Bank's extant instructions. ructions.

M Graduation, Post-graduation including regular technical and professional

 Regular Degree/ Diploma Courses conducted by autonomous institutions like

M  Teacher training/ Nursing courses approved by Central

 Regular Degree/Diploma Courses like eronautical, pilot training, shipping

M DDDGraduation/ Post-graduation for job oriented professional/ technical

M ½or studies in India, maximum Rs. 10 lacs

M Completed Êducation Loan pplication ½orm.

% 0Ê  00

Ê,  % $

$!   $

:  , )65 %+9

9   7

(tollfree from BSNL/MTNL)

M Domestic deposits (below Rs one crore) interest rates revised

You might also like

Ê Ê

11.Nomination facility available

*s on 1st March 20110 0Ê Ê Ê

0 $

r

V Ê Ê Ê Ê Ê 0 &Ê V voted in r

M Package of exclusive benefits.

M Low interest rates. ½urther, we charge interest on a daily reducing balance!!

M Low processing charges.

M No hidden costs or administrative charges.

M No prepayment penalties. Reduce your interest burden and optimally utilize

r 0 r ÊÊ Êr

wNo dvance ÊMI;

wLongest repayment tenure (7 years);

wLower interest rates

wInterest Calculated on Daily Reducing Balance;

w½lexibility of payment of ÊMI anytime during the month;

wLow pre-payment penalty, only 2%;

wLow processing fee (only 0.50% of loan amount);

w½ree ccidental insurance ;

wOptional SBI Life cover.

To avail an SBI Car Loan, you should be:

M Individual between the age of 21-65 years of age.

1. Statement of Bank account of the borrower for last 12 months.

' ÊÊ0Ê 0

wNo dvance ÊMI;

wLower interest rates Lowest ÊMI;

wLTV of µOn Road Price¶ of vehicle;

wInterest Calculated on Daily Reducing Balance;

w½lexibility of payment of ÊMI anytime during the month;

wLow processing fee (only 1.20% of loan amount);

w½ree ccidental insurance ;

wOptional SBI Life cover.

To avail an SBI Car Loan, you should be :

The following papers are to be submitted along with loan application:

1. Statement of Bank account of the borrower for last 12 months.

You can repay the loan within 36 months.

s per Bank's extant instructions. ructions.

M Graduation, Post-graduation including regular technical and professional

Regular Degree/ Diploma Courses conducted by autonomous institutions like

M Teacher training/ Nursing courses approved by Central

Regular Degree/Diploma Courses like eronautical, pilot training, shipping

M DDDGraduation/ Post-graduation for job oriented professional/ technical

M ½or studies in India, maximum Rs. 10 lacs

M Completed Êducation Loan pplication ½orm.

% 0Ê 00

Ê, %$

$! $

: , )65 %+9

9 7

(tollfree from BSNL/MTNL)

M Domestic deposits (below Rs one crore) interest rates revised