01.03-Deposit Accounts Opening

03.
DEPOSITS ACCOUNT
OPENING
Section
Section Description
Page
03.01
Introduction to Deposit Accounts
40
03.02
Opening of a Current Account
42
03.03
Opening of a Savings Bank Account
44
03.04
Opening of a Recurring Deposit Account
46
03.05
Opening of a Term Deposit Account
49
03.06
Opening of a Special Term Deposit Account
52
03.07
Opening of a Savings Plus Account
54
03.08
Opening of a Premium Savings Account
57
03.09
Opening of a SBI Surabhi Account
60
03.10
Opening of MODS Account
64
03.11
Opening of a Special Rate TD / STD Account
67
03.12
Opening of a No Frills Account
68
03.13
Opening of SB Account under Capital Gains Scheme
69
03.14
Opening of Account under SBI Tax Saving Scheme
70
03.15
Opening of SB Account for SHGs
72
03.16
Deposit Accounts Modifications
73
03.17
Bulk Creation of Accounts
76
03.01. Introduction to Deposit Account:

Deposit Accounts opened and maintained by our customers are liability products of
the Bank. Broadly these products are classified as Demand Liability and Time or
Term Liability products. Demand Liability products are payable on customer
demand. Examples of such products are Savings Bank, Current Account. In such
products Bank stipulates certain conditions like minimum balance, number of
withdrawals during a specified period and recovers charges for services rendered
over and above minimum stipulated conditions or violation of conditions. For Time
Deposits we have fixed Product Features including specific term. These conditions
are relative Business Rules or Bank Instructions on specific products and are
circulated by the Bank as e-Circulars. Users / Tellers have to know these rules to
be able to open any specific Deposit Account for the customer.
In CBS the Product Features (above mentioned Product specific Banks business
rules) are built into the system at the time of Product Development. These
Product Specific Rules are handled by CBS through two important 4-digit
parameters called (i) Account Type and (ii) Interest Category or Sub Type.
These parameters are fed to the System in the Account Opening Menu in the
following manner:
Account Type
Interest Category/
Sub Type
N
N
N
N
N
N
N
N
Field Name Field Name Field Name Field Name Field Name
Product
Type
Customer
Term/
Currency
Category
Location
These parameters viz Account Type and Interest Category / Subtype are
available in CBS Service Desk which can be accessed by typing Codes in the box
provided at -Search Knowledge Base for a Solution - Provide keywords for
searching: and then going to the required link like Deposit Product codes.
Presently the Product Codes available in the Service Desk are given in the
Annexure.
We elucidate below the steps in CBS to familiarize the users with the Account
opening process:
40
Product
Type
Term/Location
Customer Category
41
Currency
03.02. Opening of a Current Account:

Steps
1
2
Description
Account Opening
Authorisation
Screen No
002000
Queue (Refer 14.01)
Pre-Conditions: Customer CIF has to exist before an A/c can be opened.

Menu Navigation:
Deposit/ CC/ OD Accounts & Services Create New Deposit Account
Procedure:
1.
On invoking the option menu, SCR:002000pmt CIF: Create Account Prompt is

displayed. Here enter the customers CIF Number. (Use the search facility if
CIF is not readily available). After entering the CIF No. (Return CIF No., if
Search is used), click on the Transmit button.
2.
SCR002000 is displayed. This is the first of the five tabbed (associated)

screens used for creating all types of deposit accounts. Not all the screens
need be filled for every account.
3.
All aquamarine fields are mandatory and should be filled in. In Core Banking,
the Account Type (comprising of Product 2 digit & Type 2 digit) defines the
product. A dropdown box is provided in each of these fields.
For Current Accounts, in the Field Product, select 50: CA.
In the Field Type, select 11=General. Some of the other common Types
are 13 = NRO, 14 = NRE etc. Select as appropriate.
4.
Customer Category. Select as appropriate from the drop down.

(1 = Public Individual; 2 = Public Others; 3 = Staff Individual;
4 = Public Senior Citizen and 5 = Staff Senior Citizen.)
5.
Location/ Term. Select from the drop down menu.

This defines whether the product is location specific, so we have
10 = Non Rural; 20 = Rural; 30 = PBB; 40 = All.
Other codes are for various Term Deposit products etc.

For Current accounts this will be either 10 or 20 or 30 but NOT 40.
6.
The Currency in which the account is denominated. In most of our domestic

operations this will default to 1 = INR.
7.
The next field is Acct Sgmt Code which is the segment marker for the
account. While a drop down box has been provided, most common values for
this field in case of Current accounts are:
0306 = Per Dom Staff; 0706 = Per Dom Public,
0806 = Per NRI,
5001 = C&I, 5002 = C&I FOOD, 5004 = SBF, 5005 = SSI,

5006 = PER OTHERS {NOT INCL. [IN PER]}, 5007 = AGL.
42
8.
The field Account Open Date (format: DD/MM/YYYY) is System Date for new
accounts and so is optional in such cases. However, this is mandatory in case
of accounts transferred to core from non-core branches.
9.
ATM Request in case of SB and Current Accounts, and Nomination

requirement in case of all deposit accounts should be filled in the respective
fields in the Govt/PPF/Cr Card details tab screen. So, ATM and Nomination
facility can be offered at the time of account opening.
10. In case of most Current accounts no further details need to be filled in this or
any of the other tabbed screens, so just click on the Transmit button.
11. Changes due to BPR. Under Miscellaneous tab, Tag No. should not be given
by non-BPR branches. It should be left blank. It is applicable only for BPRenabled branches.
The transaction will be submitted to checker for authorisation and the
checker has to authorise the transaction.
12. Once the transaction is authorised (Refer 14.01) the new account number
generated is displayed at the bottom of the screen. This may look something
like:
003 3000003794-6 03263 016 0326316, where,
003
3000003794-6
03263
016
0326316
Bank code for SBI;

Account number (6 is the check digit but if the account
number is to be entered by the user it will be a continuous
string of 11 digits without any dash & including the check
digit.
Branch code
Represents the logical partition in the branch from which the
transaction was put through and
User ID of the employee who puts through the transaction.
NOTE: The selected combination of account type and sub-type will be validated
against the product parameters set up at CDC level. This means that the system
will accept only such combination of account type and sub-type as are available in
the product parameter at CDC. An invalid code entered will generate an
appropriate error message.
NOTE: Please note that the Date of Birth Field is to be compulsorily filled up
while creating Customer CIF, for opening Current Account for Personal Customers.
STOP 201: INVALID ACCT TYPE, INT CAT OR CURRENCY
43
03.03. Opening of a Savings Bank Account:

Steps
Description
Screen No
Account Opening
002000
Authorisation
Queue (Refer 14.01)
Pre-conditions: Customer CIF has to exist before an A/c can be opened.

Menu Navigation:
Deposit/ CC/ OD Accounts & Services Create New Deposit Account
Procedure:
1. On invoking the option menu, SCR:002000pmt CIF: Create Account Prompt is
displayed. Here enter the customers CIF Number. (Use the search facility if
CIF is not readily available.) After entering the CIF No. (Return CIF No. if
Search is used), click on the Transmit button.
2. SCR002000 is displayed. This is the first of the five tabbed (associated)
screens user for creating all types of deposit accounts. Not all the screens
need be filled for every account.
3. All aquamarine fields are mandatory and should be filled in. In Core
Banking, the Account Type (comprising of Product 2 digit & Type 2 digit)
defines the product. A dropdown is provided in each of these fields. For
Savings Bank, the most common Product options are 10 Savings-Chq and
11 Savings Non-Chq.
a. In the Field Type, select 11=General. Some of the other common
Types are 13 = NRO, 14 = NRE etc. Select as appropriate.
4. Against Customer Category select as appropriate from drop down.
(1 = Public Individual; 2 = Public Others; 3 = Staff Individual;
a. 4 = Public Senior Citizen and 5 = Staff Senior Citizen.)
5. Location/Term: Select from the drop down.
a. (This defines whether the product is location-specific, so we have
b. 10 = Non Rural, 20 = Rural, 30 = PBB, 40 = All
c. Other codes are for various Term Deposit products etc.)
d. We choose 40=ALL for Staff account where no condition is
applicable for minimum balance for service charges. Also for PPF
account, both for staff and public.
6. The Currency in which the account is denominated. In most of our domestic
7. The field Account Open Date (format: DD/MM/YYYY) is System Date for
new accounts and so is optional in such cases. However, this is mandatory in
case of accounts transferred to core from non-core branches.
8. The next field is Acct Sgmt Code which is the segment marker for the
account. While a drop down has been provided, most common values for
this field in case of Savings Bank accounts are 0306 = Per Dom Staff; 0706
= Per Dom Public and 0806 = Per NRI.
44
9. ATM Request and Nomination requirement in case of all deposit accounts

should be filled in the respective fields in the Govt/PPF/Cr Card details
tab screen. So, ATM and Nomination facility can be offered at the time of
account opening.
10. In case of most Saving Bank accounts no further details need to be filled in
this or any of the other tabbed screens, so just click on the Transmit
button.
11. Changes due to BPR. Under Miscellaneous tab, Tag No. should not be given
by non-BPR branches. It should be left blank. It is applicable only for BPRenabled branches.
a. The transaction will be submitted to checker for authorisation and
the checker has to authorise the transaction.
generated is displayed at the bottom of the screen. This may look
something like:
a. 3263 016 0326316, where,
003
Bank code for SBI
3000003793-5
03263
016
0326316

digit.
Branch code
User ID of the employee who put through the transaction.
Note: The selected combination of account type and sub-type will be validated
against the product parameters set up at CDC level. An invalid code entered will
generate an error message like:
STOP 201: INVALID ACCT TYPE, INT CAT OR CURRENCY
Note: If Savings/ Current Accounts are not funded on the date of opening,
Minimum balance charges would be levied for not maintaining stipulated balance
in that quarter.
45
03.04. Opening of Recurring Deposit Account:

Steps
1
2
Description
Account Opening
Authorisation
Screen No
002000
Queue (Refer 14.01)

Menu Navigation: Deposit/ CC/ OD Accounts & Services Create New Deposit
A/c
Procedure:
1. On invoking the option menu, the Screen SCR: 002000pmt CIF: Create
Account Prompt is displayed. Here enter the customers CIF Number. (Use
the search facility if CIF is not readily available.) After entering the CIF No.
(Return CIF No., if Search is used), click on the Transmit button.
2. Screen SCR: 002000 is displayed. This is the first of the five tabbed
(associated) screens user for creating all types of deposit accounts. Not all
the screens need be filled for every account.
3. All aquamarine fields are mandatory and should be filled in. In Core Banking
Product 2 digit & Type 2 digit together define the Account Type, which
in common parlance is the product. A dropdown is provided in each of
these fields.
For Recurring Deposit account, in the Field Product select 28:RD.
Some of the common Types are 11 = General, 13 = NRO, 14 = NRE etc.
Select as appropriate.
4. Field Customer Category: select from the drop down.
(1 = Public Individual; 2 = Public Others; 3 = Staff Individual; 4 = Public
Senior Citizen and 5 = Staff Senior Citizen.)
5. Field Location/ Term: (This defines whether the product is location
specific so we have 10 = Non Rural, 20 = Rural, 30 = PBB, 40 = All
other codes are for various Term Deposit products etc.).
For all Time Deposit accounts (which obviously includes Recurring Deposits)
this will NEVER be 10, 20, 30 or 40.
For all Time Deposits this is the term of the deposit e.g. 15 = 1 year - < 2
years; 16 = 2 years - < 3 years; 17 = 3 years < 5 years and 24 = 5 years
and above. Please note that for RD of 5 years and above, option number
is 24, whereas for TDR/STDR of 5 years and above, the option number is
37.
6. Field Currency: give the currency in which the account is denominated. In
most of our domestic operations this will default to 1 = INR.
46
this field in case of Recurring Deposit accounts are 0306 = Per Dom Staff;
0706 = Per Dom Public and 0806 = Per NRI for P Segment. 5001 = C&I
and 5002 = C&I Food, 5004 = SBF, 5005 = SSI.
9. In case all Time Deposit accounts, next click in the Term A/c Options, in
the tabbed headings.
10. For Recurring Deposits (ONLY) the Term Basis is M: Months.
11. Give period of RD in Term Years And Term Months (Term Months cannot be
greater than 12, so use also term Years for periods more than 1 year).
12. Term Value Deposited field should be left unchanged i.e. 0 (default
value) should be there for RD accounts.
13. Give Interest Frequency as M: Maturity. Interest Frequency means when
the interest will be paid to customer.
14. Under RD, give the installment amount against the field RD Expected
Installment.
15. The Installment due date in RD is set by default to 31 (i.e. last day of the
month), so this field should not be filled.
16. Select the RD Installment Frequency from the drop down menu as Monthly.
17. This completes all the essential data entry for creating a RD account.
Click on the TRANSMIT button.
something like:
003 3000003796-8 03263 016 0326316
where,
003
Bank code for SBI;
3000003796-8 Account number (5 is the check digit but if the account
digit.
03263
Branch code
016
Represents the logical partition in the branch from which
the transaction was put through and
0326316
47
Note: a) The selected combination of account type and sub-type will be validated
generate error messages like:
STOP 201: INVALID ACCT TYPE, INT CAT OR CURRENCY OR
STOP 178: INTEREST FREQ/CODE INCONSISTENT WITH PRODUCT RULES
b) All term deposits need to be funded on the date of their opening.
Special care is to be taken while opening accounts transferred from
other branches where users forget to fund after opening the account.
Note: It is now possible to reverse wrong credit given to an RD account on any day
before maturity. The options are Transfer to deposit a/c or BGL a/c. It requires
Journal No and Transaction date of the original entry:
Menu: Transaction Posting Deposit/ CC/ OD Accounts RD reversals
(SCR 1036 and SCR 21037)
On reversal, system will reduce the number of installment received and total
amount received in the account. However, Interest has to be recalculated
manually and corrected.
48
03.05. Opening of a TERM DEPOSIT Account:

Steps
1
2
Description
Account Opening
Authorisation
Screen No
002000
Queue (Refer 14.01)
Pre-Conditions: Customer CIF has to exist before an A/c can be opened

Menu Navigation:
Deposit/ CC/ OD Accounts & Services Create New Deposit A/c
Procedure:
1. On invoking the option menu, SCR: 002000pmt CIF: Create Account
Prompt is displayed. Here enter the customers CIF Number. (Use the
search facility if CIF is not readily available). After entering the CIF No.
(Return CIF No., if Search is used), click on the transmit button.
3. All aquamarine fields are mandatory and should be filled in. In core banking
Product 2 digit & Type 2 digit together define the Account Type, which in
common parlance is the product. A dropdown is provided in each of these fields.
For Term Deposit account, in the Field Product, select 20:TDR.
In the Field Type, select 11=General. Some of the other common
4.
Field Customer Category: select the appropriate option from the drop
down menu.
5. Location/ Term: (This defines whether the product is location specific so we

have 10 = Non Rural; 20 = Rural; 30 = PBB; 40 = All other codes are for
various Term Deposit products etc.).
For all Time Deposit accounts (which obviously includes Term Deposits) this
will NEVER be 10, 20, 30 or 40. For all Time Deposits this is the term of the
deposit e.g. 15 = 1 year - < 2 years; 16 = 2 years - < 3 years; 17 = 3 years
5 years.
49
this field in case of Term Deposit accounts are 0306 = Per Dom Staff; 0706 =
Per Dom Public and 0806 = Per NRI for P Segment. 5001 = C&I and 5002 =
C&I Food, 5004 = SBF, 5005 = SSI.
9. Under Interest Options, change the default Interest payment Method from
R: Reinvest to T: Transfer (other options are A: Cheque; B: Demand Draft;
G: Transfer to BGL A/c).
10. Against the Transfer Account Number field, key in the account number of
the account to which quarterly interest is to be credited.
11. In case all Time Deposit accounts, next click in the Term A/c Options, in
12. For Term Deposits, set the Term Basis as D: Days from the drop down. This
means interest is accrued on a day-to-day basis.
13. Term length is to be filled in any one of the following 3 places:
a. In the left most box Term length for maturities < 180 days can be filled
for
TDR Days; or
b. In the right side the 3 boxes are for all types of time deposits with
maturities up to ten years Term Days value <= 31, Term months value
<= 12 and Term Years <= 10; or
c. Maturity Date to be given in case the customer so desires.
14. Interest Frequency should be given as 1A: Anniversary Monthly or 3A:
Anniversary Quarterly etc. (Not Monthly, Quarterly etc.) as desired by
the customer.
This completes all the essential data entry for creating a TDR account. Click
the TRANSMIT button.
something like:
003 000003797-9 3263 016 0326316 where,
003
Bank code for SBI
3000003797-9
Account number (5 is the check digit but if the account number

is to be entered by the user it will be a continuous string of 11
digits without any dash & including the check digit.
Branch code
03263
016
0326316

Is the user ID of the employee who put through the transaction.
50
generate error messages like:
STOP 201: INVALID ACCT TYPE, INT CAT OR CURRENCY, OR
51
03.06. Opening of a SPECIALTERM DEPOSIT Account:

Steps
Description
Screen No
1
2
Account Opening
Authorisation
002000
Queue (Refer 14.01)

Menu Navigation:
Procedure:
1. On invoking the option menu, SCR:002000pmt CIF: Create Account
Prompt is displayed. Here, enter the customers CIF Number. (Use the
search facility if CIF is not readily available). After entering the CIF No.
(Return CIF No., if Search is used), click on the transmit button.
2. Next, the Screen SCR:002000 is displayed. This is the first of the five
tabbed (associated) screens user for creating all types of deposit accounts.
Not all the screens need be filled for every account.
3. All aquamarine fields are mandatory and should be filled in. In core banking
Product 2 digit & Type 2 digits together define the Account Type, which
in common parlance is the product. A dropdown is provided in each of
these fields.
For Special Term Deposit account, in the Field Product select 25:STDR.
In the Field Type, select 11=General. Some of the other common
4. Field Customer Category: select as appropriate from drop down.
5. Location/ Term: Select from drop down menu. This defines whether the
product is location specific so we have 10 = Non Rural; 20 = Rural; 30 =
PBB; 40 = All other codes are for various Term Deposit products etc.
For all Time Deposit accounts (including Special Term Deposits), this will
NEVER be 10, 20, 30 or 40. For all Time Deposits this is the term of the
deposit e.g. 15 = 1 year - < 2 years; 16 = 2 years - < 3 years; 17 = 3 years
to < 5 years.
52
8. The next field is Acct Sgmt Code, which is the segment marker for the
this field in case of Term Deposit accounts are 0306 = Per Dom Staff; 0706
= Per Dom Public and 0806 = Per NRI for P Segment. 5001 = C&I and
5002 = C&I Food, 5004 = SBF, 5005 = SSI.
9. In case of all Time Deposit accounts, next click in the Term A/c Options, in
10. For Special Term Deposits set the Term Basis as D: Days from the drop
down, i.e. product is calculated on a day-to-day basis.
11. Give period of STDR in Term Days value <= 31, Term months value <= 12 and
Term Years <= 10 or as Maturity date as the case may be.
12. Give Interest Frequency as M: Maturity (from drop down). This means
interest is payable on Maturity to the customer.
13. This completes all the essential data entry for creating a RD account. Click
the TRANSMIT button.
something like:
003
3000003798-0
03263
016
0326316
003 3000003798-0 03263 016 0326316

Bank code for SBI;
where,

number is to be entered by the user, it will be a continuous
digit.
Branch code
generate an error messages like:
STOP 201: INVALID ACCT TYPE, INT CAT OR CURRENCY, OR
53
03.07. Opening of a SAVINGS PLUS Account:

Steps
1
2
3
Description
Account Opening
Authorisation
Sweep Set up screen
(after authorization at Checkers terminal)
Screen No
002000
Queue (Refer 14.01)
060422
Pre-Conditions: Customer CIF has to exist before a Savings Plus account can be
opened.
Menu Navigation:
Procedure:
search facility if CIF is not readily available.) After entering the CIF No.
(Return CIF No. if Search is used), click on the transmit button.
defines the product. A dropdown box is provided in each of these fields.
4. For Savings Plus A/c, in the Field Product:, select 10: Savings-CHQ
5. Field Type select 29: SB PLUS-GEN, 30: SB PLUSNRO or 31: SB PLUSNRE
as appropriate.
6. Field Customer Category select as appropriate from drop down. (1 = Public
Individual; 2 = Public Others; 3= Staff Individual; 4 = Public Senior
Citizen and 5 = Staff Senior Citizen.)
7. Against Location/Term select 40: ALL from the Drop Down Box.
8. The Currency by default is 1: INR. Please retain this.
this field are 0306 = Per Dom Staff; 0706 = Per Dom Public, 0806 = Per
NRI, 5001 = C&I, 5002 = C&I FOOD, 5004 = SBF, 5005 = SSI, 5006 = PER
OTHERS {NOT INCL. [IN PER]}, 5007 = AGL.
54
11. Interest Option will be default R: Reinvest for MOD STDR, but for MOD TDR
this will have to be made T: Transfer, A: Cheque, B: Draft or G: transfer to
BGL Account. In case option T is selected, the account number (to which
the interest will be transferred) will also have to be given.
12. Now select the Term A/c Options from the Tabbed Headings.
13. In the upper half, nothing has to be filled in i.e. leave Term Basis, Term
Length, Term Value Deposit and Interest Frequency blank.
14. Under SB Plus subheading, set SB Plus option to Yes from the drop down.
15. In the Field Savings Plus Account Type select the Product type relevant to
the TDR/ STDR to be opened as a result of the sweep. e.g., if an STDR for 2
years is to be opened as a result of a successful sweep, select 2532: STDMOD-GEN-PUB-IND-2YL3-INR (product code for STDR-GEN) from the Drop
Down Box.
16. In the Field Savings Pus Sub-Category, select the applicable product subtype code from the Drop Down Box. (In our example this would be 1161
standing for Public Individual, 2y & lt 3y).
17. Set Savings Plus Interest Freq. To M: Maturity (continuing the above
example).
18. Set Savings Plus Term Length to the period of the TDR/STDR expressed as
number of months (24 in our example).
19. Click on Transmit button. This completes the set up the Savings Plus Account.
20. The transaction will be submitted to checker for authorization. After
successful authorisation (Refer 14.01) by the checker, the sweep creation
screen SCR: 060422 CIF: Create Sweep Arrangements is displayed on the
Checkers Monitor behind the Queue searchWeb page dialog Screen, so
the Queue search screen is to be closed to view this screen.
21. Field Account Number: the account number of the New Savings Plus
account is picked up by the system that should be noted.
22. Before proceeding further, we have to REMOVE POSTING RESTRICTIONS on
this account. Please note that the Checker has to open a new session for
doing this.
23. For this, use the menus to navigate to Deposit/ CC/ OD Accounts &
Services Amend Deposit/CC/OD Account.
24. Screen SCR 007050: Deposits: Change Details is displayed.
25. Give the Account number (just displayed on the sweep screen) and select
option 7: Posting Restrictions from the Drop Down Box.
26. Click on Transmit.
27. Screen SCR 007040: Deposits: Maintain Posting Restrictions is displayed.
55
28. Against 5: Debit Other Transactions make the On/ Off marker as 0 i.e.
Allowed.
29. Click on Transmit.
successful authorization (Refer 14.01) by the checker (please note that a
second checker is required for authorizing this), a OK message will be
displayed.
31. Go back to the Create Sweep Screen, by default Second Account is taken
as Zero (IT MUST ALWAYS BE 0 ONLY as these are the system generated
accounts opened subsequently on account of sweep).
32. Field Second Account System: retain the default option DEP: Deposits
default.
33. Make the Savings Plus flag as YES from the drop down.
34. Field Sweep Type: select 2. Push (default value) from the Drop Down Box.
35. Enter the Start Date (this can be any date after today ONLY).
36. Enter End Date as the date when the sweep should stop executing (check
that the end date is after the start date).
37. Field Cycle: select one of the options viz., D: Daily, W: Weekly, F:
Fortnightly, M: Monthly, B: Bi-Monthly, Q: Qly, H: H Yly or Y: Yly.
38. Field Balance Type: retain the default option 1: Cleared Funds Only.
39. Enter the threshold balance (this will trigger the sweep).
40. Enter the Resultant balance (this will be the minimum balance as a result of
the sweep).
41. Enter the Max. Accumulated Sweep.
42. Enter the Sweep multiples.
43. Enter Priority as 1 ONLY.
44. Click on the Transmit button.
45. An OK response will be generated.
46. Now proceed with the other routine activities viz. funding of the account,
entering introduction, nomination, passbook printing, image uploading etc.
Eg: when a sweep is to be created beyond Rs 5,000 and minimum MODS to be
issued is Rs 10,000 and above, in multiples of Rs 1,000:
Threshold Balance
15,000
Resultant Balance
5,000
Max Accumulated Sweep 999999999
Sweep Multiple1,000
Priority
1
56
03.08. Opening of a Premium Savings Account

Steps
1
2
3
Description
Account Opening
Authorisation
Sweep Set up screen
Screen No
002000
Queue (Refer 14.01)
060422
Pre-Conditions: Customer CIF has to exist, minimum balance Rs.25,000/- to be

maintained this SB, linked to MOD(TD/STD in units of Rs.1000/- with initial
minimum of Rs.10,000/- for 1 to 3 years), Monthly Sweeps once a month on any
chosen date as at the end of that date(refer:e-circularNo.376dt25/09/2007)
Menu Navigation: Deposit/ CC/ OD Accounts & Services Create New Deposit A/c
Procedure:
(Return CIF No. if Search is used), click on the Transmit button.
a. For Premium Savings A/c, in the field Product select 10:SB-CHQ
b. In the field Type select 29: SB Plus.
4. Field Customer Category select as appropriate from drop down. (1 = Public
Individual, 3= Staff, 4 = Public Senior Citizen and 5 = Staff Senior
Citizen.)
5. Against Location/ Term select 48.
account. Select the appropriate value from the drop down.
this will have to be made T: Transfer and the account number (to which
57
12. Under SB Plus subheading, set SB Plus option to Yes from the drop down.
13. In the Field Savings Plus Account Type select the Product type as relevant
to the TDR/ STDR to be opened as a result of the sweep. e.g., if an STDR for
2 years is to be opened as a result of a successful sweep, select 2532: STDMOD-GEN-PUB-IND-2YL3-INR (product code for STDR-GEN) from the Drop
Down Box.
14. In the Field Savings Pus Sub-Category, select the applicable product subtype code from the Drop Down Box. (In our example this would be 1161
standing for Public Individual, 2y & lt 3y).
example).
number of months (24 in our example).
17. Click on Transmit button. This completes the set up the Savings Plus
Account.
Checkers Monitor below the Queue searchWeb page dialog Screen, so
19. Field Account Number: the account number of the New Savings Plus
account is picked up by the system that should be noted.
20. Before proceeding further, we have to REMOVE POSTING RESTRICTIONS on
this account. Please note that the Checker has to open a new session for
doing this.
a. For this, use the menus to navigate to Deposit/ CC/ OD Accounts &
b. Screen SCR 007050: Deposits: Change Details is displayed.
c. Give the Account number (just displayed on the sweep screen) and
select option 7: Posting Restrictions from the Drop Down Box.
d. Click on Transmit.
e. Screen SCR 007040: Deposits: Maintain Posting Restrictions is displayed.
f. Against 5: Debit Other Transactions make the On/ Off marker as 0
i.e. Allowed.
g. Click on Transmit.
h. The transaction will be submitted to checker for authorization. After
successful authorization (Refer 14.01) by the checker (please note that
58
a second checker is required for authorizing this), a OK message will be

displayed.
default.
23. Make the Savings Plus flag as Y:YES from the drop down.
24. Field Sweep Type: select 2:
25. Push (default value) from the Drop Down Box.
26. Enter the Start Date (this can be any date after today ONLY).
27. Enter End Date as the date when the sweep should stop executing (check
that the end date is after the start date).
28. Field Cycle: select M: Monthly.
the sweep, for this product this should be 25000 or above).
Eg: when a sweep is to be created beyond Rs 25,000 and minimum MODS to be
issued is Rs 10,000 and above, in multiples of Rs 1,000:
Threshold Balance
35,000
Resultant Balance25,000
Max Accumulated SweepGive appropriate value
Sweep Multiple1,000
Priority1
59
03.09. Opening of a SBI Surabhi Deposit Account

Steps
1
2
3
Description
Account Opening (Type Non Personal CA, SBeligible as per RBI norms)
Authorisation
Sweep Set up screen
Screen No
002000
Queue (Refer 14.01)
060422
Pre-Conditions: Customer CIF (Non Personal) has to exist, minimum balance of

Rs.10,000/-for CA and Rs.1,000/- for SB, linked to CLTD (TD/STD in units of
Rs.1000/-, min. Rs.10,000/- for 1 to 3 years). Sweeps only for the balances in
excess of Rs.50,000/- on weekly basis. (e-Circular No.287 dt 21.08.07)
Menu Navigation:
Procedure:
(Return CIF No. if Search is used), click on the Transmit button.
Field Product: select 10: Savings-CHQ or 50: C A
Field Type select 88: Surabhi.
4. Field Customer Category select 2.
5. Against Location/Term select 40.
account. Select the appropriate value for Public Other category.
this will have to be made T: Transfer and the account number (to which
60
12. Under SB Plus/ Surabhi - set SB Plus option to Yes from the drop down.
13. In the Fields Savings Plus Account Type and Savings Pus Sub-Category
select the Product type as relevant to the CLTD (TDR/ STDR) to be opened
as a result of the sweep (see table below):
CLTD (Savings Plus) Product Types
(for SB Surabhi)
Type Cat
Description
CLTD (Savings Plus) Product Types

(for CA Surabhi)
Type Cat
Description
2088
2088
2088
2088
2088
2088
2088
2588
2588
2588
2588
2588
2588
2588
2089
2089
2089
2089
2089
2089
2089
2589
2589
2589
2589
2589
2589
2589
2181
2551
2611
2621
2671
2681
2691
2181
2551
2611
2621
2671
2681
2691
TDR-PUB OTH-3Y-INR
TDR- PUB OTH-550D-INR
TDR- PUB OTH-1Y549D-INR
TDR- PUB OTH-551DL2Y-IN
TDR-PUBOTH-2YL1KD-INR
TDR-PUB OTH-1KD-INR
TDR-PUBOTH-A1KDL3Y-IN
STD-PUB OTH-3Y-INR
STD-PUB OTH-1YL2-INR
STD-PUBOTH-1Y550D-IN
STD-PUBOTH-551DL2-INR
STD-PUBOTH-2YL1KD-INR
STD-PUB OTH-1KD-INR
STD-PUBOTH-A1KDL3Y-IN
2181
2551
2611
2621
2671
2681
2691
2181
2551
2611
2621
2671
2681
2691
TDR-PUB OTH-3Y-INR
TDR-PUB OTH-550D-INR
TDR-PUBOTH-1Y549D-INR
TDR-PUBOTH-551DL2-INR
TDR-PUBOTH-2YL1KD-INR
TDR-PUB OTH-1KD-INR
TDR-PUBOTH-A1KDL3Y-IN
STD-PUB OTH-3Y-INR
STD-PUB OTH-550D-INR
STD-PUBOTH-1Y549D-INR
STD-PUBOTH-551DL2-INR
STD-PUBOTH-2YL1KD-INR
STD-PUB OTH-1KD-INR
STD-PUBOTH-A1KDL3Y-IN
example).
number of months.
16. Click on Transmit button. This completes the set up the Surabhi Account.
Checkers Monitor below the Queue searchWeb page dialog Screen, so
18. Field Account Number: the account number of the New Surabhi account is
picked up by the system that should be noted.
19. Before proceeding further, remove Posting Restrictions on this account.
Please note that the Checker has to open a new session for doing this.
For this, use the menus to navigate to Deposit/ CC/ OD Accounts &
Screen SCR 007050: Deposits: Change Details is displayed.
61
Give the Account number (just displayed on the sweep screen) and
select option 7: Posting Restrictions from the Drop Down Box.
Click on Transmit.
Screen SCR 007040: Deposits: Maintain Posting Restrictions is displayed.
Against 5: Debit Other Transactions make the On/ Off marker as 0
i.e. Allowed.
Click on Transmit.
The transaction will be submitted to checker for authorization. After
successful authorization (Refer 14.01) by the checker (please note that
a second checker is required for authorizing this), a OK message will be
displayed.
default.
23. Make the Savings Plus flag as Y:YES from the drop down.
24. Field Sweep Type: select 2:
25. Push (default value) from the Drop Down Box.
26. Enter the Start Date (suitable to customer but after current date).
27. Enter End Date as the date when the sweep should stop executing
28. Field Cycle: select W: Weekly.
the sweep).
62
An optimum sweep set up is:

Threshold Balance
60,000 (minimum balance + minimum sweep)
Resultant Balance
50,000 (minimum balance)
Max Accumulated Sweep
As advised by the customer
Sweep Multiple
1,000
Priority
63
03.10. Opening of MODS Account:

Steps
1
2
3
Description
Account Opening
Authorisation
Sweep Set up screen
Screen No
002000
Queue (Refer 14.01)
060422
Pre-Conditions: (i) Customer CIF has to exist before an MOD can be set up.
(ii) The Savings Bank or Current account to which the MOD TDR/
STDR will be linked should exist.
Menu Navigation:
Procedure:
1. On invoking the option menu, SCR:002000pmt CIF: Create Account Prompt
is displayed. Here, enter the customers CIF Number. (Use the search
facility if CIF is not readily available.) After entering the CIF No. (Return
CIF No. if Search is used), click on the Transmit button.
2. Screen SCR002000 is displayed. This is the first of the five tabbed
(associated) screens user for creating all types of deposit accounts. Not
all the screens need be filled for every account.
3. All aquamarine fields are mandatory and should be filled in. Against
Product select 20: TDR or 25: STDR as the case maybe, from the drop
down menu.
4. Against Type select one of the options - 32: MODGEN, or 33: MODNRO
or 34: MODNRE, as appropriate.
5. Against Customer Category select as appropriate from drop down. (1 =
Public Individual; 2 = Public Others; 3= Staff Individual). MOD facility not
available for Senior Citizens, as there is no restriction for breaking MOD
within one year.
6. Against Location/ Term select the term as appropriate to TDR/ STDR from
the drop down Menu. The option that can be chosen is only one of 15: 1
year < 2 years, 16: 2 years < 3 years, or 19: 3 Years < 5 years.
7. The Currency by default is 1: INR.
new accounts and so is optional in such cases. However, this is mandatory
in case of accounts transferred to core from non-core branches.
this field are 0306 = Per Dom Staff; 0706 = Per Dom Public, 0806 = Per
64
NRI, 5001 = C&I, 5002 = C&I FOOD, 5004 = SBF, 5005 = SSI, 5006 = PER
OTHERS {NOT INCL. [IN PER]}, 5007 = AGL.
10. Interest Option will be default R: Reinvest for MOD STDR, but for MOD
TDR this will have to be made T: Transfer, A: Cheque, B: Draft or G:
transfer to BGL Account. In case option T is selected, the account
number (to which the interest will be transferred) will also have to be
given.
11. Now select the Term A/C Options from the Tabbed Headings.
12. Select Term Basis to be D: Days ONLY.
13. Term Length can be input as discussed in paragraph 03.05/13.
14. Term Value Deposit is the Principal amount of the TDR/STDR.
15. Interest Frequency will be M: Maturity for MOD STDRs and for MOD TDRs
this could be 1A for monthly interest, 3A for quarterly interest, 6 for half
yearly and YA for yearly interest payment.
16. Under MOD subheading, set MOD option to Yes from the drop down.
17. Set Link Type to Q: Current or S: Savings depending on whether the MOD
linked account is a Current account or a Savings Bank account. Presently,
if Q: Current is selected, an error message appears: 5649: This Link
Account Type is Invalid for the Product.
Note: This is validated at time of the setting up of the sweep. In case of a
mismatch, the sweep set up will encounter an error condition and the run will
be aborted.
18. Select LIFO or FIFO from the drop down against LIFO/ FIFO.
19. (LIFO: Last In First Out; FIFO: First In First Out)
20. Click on Transmit button. This completes the set up the MOD TDR/ STDR.
21. The transaction will be submitted to checker for authorisation and the
22. After the Checker authorises (Refer 14.01) the data entry, automatically
the sweep creation screen SCR: 060422 CIF: Create Sweep Arrangements
is displayed.
23. Field Account Number: give the account number of the Current/ Savings
Bank account.
24. The Sweep Type is automatically picked up as 4: MOD. If this does not
appear, then use the drop down to make it 4.
25. Field Second Account the account number of the new MOD TDR/ STDR is
displayed. (This is to be noted on the relative voucher/account opening
form.)
65
26. Field Second Account Type: DEP: Deposits Default is picked up by the
system by default. Retain it.
27. The Savings Plus option is automatically defaulted to No. Use the drop
down to change this, if necessary.
28. Enter Start Date in dd/mm/yyyy format to indicate to the system from
when the sweep is to start.
29. Enter End Date to tell the system up to when the sweep is to be running.
30. Set Priority as 1 (always).
32. An OK response will be generated along with the relative reference
number of the Sweep.
66
03.11. Opening of a Special Rate TDR / STDR Deposit Account:

Steps
1
2
Description
Account Opening
Authorisation
Screen No
002000
Queue (Refer 14.01)

Menu Navigation:
Procedure:
Prompt is displayed. Input existing CIF /Account number and Transmit.
2. Next, the Screen SCR:002000 is displayed.
3. Field Acct Sgmt Code: select appropriate value.
4. Field Product: select appropriate value (eg. 25 for STDR).
5. Field Type: select 61 for Special Rates.
6. Field Customer Category: select as appropriate value.
7. Field Location/ Term: Select 35 = PMRY (Spl. rate TDR/STDR). For TDRs
for the period below 180 days, enter 39.
8. Field Currency: Select 1 = INR.
9. Go to the Term A/c Options tabbed page.
10. Field Term length: Select appropriate value.
11. Field Term Basis: Select D: Days.
12. Field Interest Frequency: Select as in case of TDR / STDR.
13. This completes all the essential data entry for creating a Special Rate TDR /
STDR Deposit Account. Click the TRANSMIT button.
The transaction will be submitted to checker for authorisation and after
authorization the account number will be displayed.
Note: Supervisor over ride will be required because of application of special
interest rate.
67
03.12. Opening of No Frills Account:

Steps
1
2
Description
Account Opening
Authorisation
Screen No
002000
Queue (Refer 14.01)

Menu Navigation:
Procedure:
4. Field Product: select 11- Savings Non Chq.
5. Field Type: select 24 No Frills.
7. Field Location/ Term: Select 40 - ALL.
9. Click the TRANSMIT button.
68
03.13. Opening of Savings Bank A/c under Capital Gains Scheme

Steps
1
2
Description
Account Opening
Authorisation
Screen No
002000
Queue (Refer 14.01)

Menu Navigation:
Procedure:
4. Field Product: select the most common option 11- Savings Non Chq.
5. Field Type: select 21 Capital Gains.
7. Field Location/ Term: Select 40 - ALL.
69
03.14. Opening of Account Under SBI Tax Savings Scheme:

Steps
1
2
Description
Account Opening
Authorisation
Screen No
002000
Queue (Refer 14.01)

Note: The ceiling on total deposit during a Financial Year is Rs.1 lac per CIF;
PAN number to be verified from original PAN card of the customer;
No nomination is available for deposits held on behalf of minor;
Term Length is 5 to 10 years.
Menu Navigation:
Procedure:
4. Field Product: select option 25- STDR OR 20- TDR.
5. Field Type: select 11 General.
7. Field Location/ Term: Type 47 (Not yet available in drop-down).
70
Product Codes under these schemes as on 29.10.2009 are

Product Code
3011 1781
3011 1791
3011 4781
3011 4791
3011 3781
3011 3791
3011 5781
3011 5791
3511 1781
3511 1791
3511 4781
3511 4791
3511 3781
3511 3791
3511 5781
3511 5791
Product Description
Ac-Type
Cust_Type
TDR-SBITSS06-PUB IND-5YL8-INR TDR PUB - INDIVIDUAL
TDR-SBITSS06-PUB IND-8Y10-INR TDR PUB - INDIVIDUAL
TDR-SBITSS06-PUB SRC-5YL8-INR TDR PUB - SENIOR CITIZEN
TDR-SBITSS06-PUB SRC-8Y10-INR TDR PUB - SENIOR CITIZEN
TDR-SBITSS06-STF IND-5YL8-INR
TDR STAFF
TDR-SBITSS06-STF IND-8Y10-INR
TDR STAFF
STD-SBITSS06-STF SRC-5YL8-INR STDR STAFF - SENIOR CITIZEN
STD-SBITSS06-STF SRC-8Y10-INR STDR STAFF SENIOR CITIZEN
STD-SBITSS06-PUB IND-5YL8-INR STDR PUB - INDIVIDUAL
STD-SBITSS06-PUB IND-8Y10-INR STDR PUB - INDIVIDUAL
STD-SBITSS06-PUB SRC-5YL8-INR STDR PUB - SENIOR CITIZEN
STD-SBITSS06-PUB SRC-8Y10-INR STDR PUB - SENIOR CITIZEN
STD-SBITSS06-STF IND-5YL8-INR STDR STAFF
STD-SBITSS06-STF IND-8Y10-INR STDR STAFF
STD-SBITSS06-STF SRC-5YL8-INR STDR STAFF - SENIOR CITIZEN
STD-SBITSS06-STF SRC-8Y10-INR STDR STAFF - SENIOR CITIZEN
71
03.15. Opening of SB Account For SHGs:

Steps
1
2
Description
Account Opening
Authorisation
Screen No
002000
Queue (Refer 14.01)

Note: CIF for SHGs is to be setup as a Non-Personal Customer;
The Customer Type is 021703 Self Help Groups;
Go to: Customer Management Amend Customer Details input CIF
number and choose Option: 1 Customer Details and update following:
a. CIS Org Code 44 or 45 as the case may be;
b. BSR Org Code 34: Self Help Groups & NGOs
c. Segment Code 5007: AGR.
Menu Navigation: (For opening of SB Account for SHGs)
Procedure:
4. Field Product: select the most common option 10 or 11- Savings Chq or
Savings Non Chq.
5. Field Type: select 11 General.
6. Field Customer Category: 1: Public Individual NOTE.
7. Field Location/ Term: Select 10 or 20 Non Rural or Rural.
Please note that until this point we have only discussed opening of a Deposit
Account. The next step will be funding of the account. This has been discussed in
Chapters 4 and 5.
Also, for additional steps such as setting up a Joint Account, adding nomination to
an account, etc. please refer to Chapter 4.
72
03.16. Deposit Account Modification:

Steps
1
2
Description
Amending Account details
Authorisation
Screen No
007050
Queue (Refer 14.01)
Menu Navigation: Deposit/CC/OD Accounts & Services Amend

Hereafter, there are two possible ways of doing an amend
(a) Use the first option viz. Deposit/CC/OD Account
(b) Use the next option viz. Amend Deposit Tabbed
Screen
We shall look at both the options, one by one.

Option (a):
Menu Navigation:
Deposit/CC/OD Accounts & Services Amend Deposit/CC/OD Account
On selecting the option screen SCR: 007050 Deposits: Change Details opens.
Key in the relative Account Number.
The next field is Options. The drop down here offers the following options:
1: Account details
2: A/c Corresp. Address Details

3: Customer Language A/c Address Det/l
4: CC/ OD Limit Details
5: Account Names
6: Bonus Interest Details
7: Posting Restrictions
8: Reporting Restrictions
9: Account Type/Home Branch
T: TDS Details
A: Annuity Maturity Details
B: Mode of Operation
C: Back Dated RD details
G: GOLD Additional Details
P: Backdated PPF Details
R: Transfer to PB/RD
J: Additional CC/ OD Details
L: PPF - Loan A/c Details
I: IEC Code Details
73
While most of the options are self explanatory, a brief description of each option
follows:
1: Account details. On selecting this option and clicking the TRANSMIT button,
screen SCR: 007000 Deposits: Amend Deposit details appears. Almost all
the details (except the product related) details appear on the screen and
can be amended.
2:
A/c Corresp. Address Details. Screen SCR:002450 Deposits:

Create/Amend/Delete Acct Corres Address Det appears on selecting this
option and clicking the TRANSMIT button. This is useful for setting up a
separate correspondence address for the account.
3: Customer Language A/c Address Det/l. Presently since only one language is
supported by the system, this option is non-functional. An error message is
flashed as follows:
1832: CUSTOMERS LANGUAGE SAME AS INSTITUTIONS:
4: CC/ OD Limit Details. Relevant only for CC/ Overdraft accounts. For other
accounts it will generate an error message 575: OVERDRAFT NOT
ESTABLISHED
5: Account Names. On selecting this option and clicking on the TRANSMIT
button, screen SCR: 007465 Deposits: Amend Deposit Account Name
appears. Through this screen it is possible to assign both a short as well as a
set of long names to the account.
6: Bonus Interest Details. This option is a part of the original FNS version, and
is presently not being used. Generates an error message 1947: ACCOUNT
TYPE CANNOT EARN BONUS INTEREST
7: Posting Restrictions. On selecting this option and clicking on the TRANSMIT
button, screen SCR: 007040 Deposits: Maintain Posting Restrictions
appears. Against various posting modes 0 or 1 appears. A 0 indicates
allowed, while a 1 indicates restriction is in place. By default, transfer of
account and Forex transactions are restricted.
8: Reporting Restrictions. On selecting this option and clicking on the
TRANSMIT button, screen SCR: 007041 Deposits: Maintaining Reporting
Mask appears. Certain types of Reporting masks can be put in place through
this option.
9: Account Type/Home Branch. On selecting this option and clicking on the
TRANSMIT button, screen SCR:007046 Deposits: Change Account
Type/Branch appears. This menu option is useful for changing the product
parameters as well as the defined home branch of an account. This is
typically useful in case of transfer of accounts from one Core banking
branch to another core banking branch.
T: TDS Details. This menu is used to give mandate for multiple accounts of a
customer in one screen in case same SB account is being given as mandate
74
account. On selecting this option and clicking on the TRANSMIT button,

Screen 006001 Create/Amend TDS appears. In the field Linked Account
Number, gives the details of the SB account, which is to be attached as the
mandate account. To remove the mandate account the linked account
number field is to be either zeros or spaces. On Transmit, SB account is
being attached/removed from either one or to all the term accounts of one
customer for current FY.
A: Annuity Maturity Details. This is applicable only for Annuity cases. In other
cases it will generate an error message 188: RECORD NOT FOUND
B: Mode of Operation. On selecting this option and clicking on the TRANSMIT
button, screen SCR: 007051 PFM: Mode of Operation appears. The mode of
operation of the account is to be set up from this screen.
C: Back Dated RD details. Relevant only for RD accounts. For other accounts
generates an error message 5421: TRANSACTION ALLOWED FOR RD AND
TERM
P: Backdated PPF Details. Relevant only for PPF accounts. For other accounts
generates an error message 5524: NOT A PPF ACCOUNT
R: Transfer to PB/RD. Currently not in use. Generates an error message 865:
CANNOT CHANGE ACCOUNT TYPE
J: Additional CC/ OD Details. SCR 002015 Deposits: Additional Details for
CC/ OD accounts.
The transaction will be submitted to checker for authorisation and the checker has
to authorise (Refer 14.01) the transaction.
Option (b): Navigation: Deposit/CC/OD Accounts & Services Amend
Amend Deposit Tabbed Screen
This option opens up the screen 007000: Amend Deposit Accounts. This is
effectively the same tabbed screen on which the account was created, only
difference being that since this is an amendment screen, the relative values fed in
earlier are now displayed. Any of the fields in any of the five-tabbed screens can
be amended. This is useful if a large number of amendments have to be done.
The transaction will be submitted to checker for authorisation and the checker has
to authorise the transaction.
Note: Welcome Kit related changes are visible for non-BPR branches also, but such
branches should not update Welcome Kit issued flag in this screen. The field
must be left blank for non-BPR branches.
75
03.17. Bulk Creation of Accounts:
Make an input file containing the details of the Product and the Customers
for whom the Accounts are to be opened.
Upload the file through Upload to Host Screen.
Menu Navigation: Branch Administration File Upload Screen
Screen \\ SCR 069004: File Upload To Host opens.
Field Upload Type: select BLK: Bulk Account Creation from the Drop
Down Box.
Field File Name: enter the File Name along with the Path, or use the
Browse button to give the File location.
Field Processing Date: enter the date of processing; a Calendar facility is

available for picking up the date.
Click on Upload button.
A cron Job is run at CDC, which in turn calls tfdr0244, and Accounts are
created.
A report indicating the successful/ unsuccessful records processed is sent to

the branch.
The facility can be availed after contacting CDC, Belapur.

PRODUCT CODES DEPOSITS & ADVANCES
CBS Products codes (both Deposits and Advances) are available in Intranet Website
Data Ware House Portal(10.0.10.22) as item No.7 CBS List of Products, the link
to which is also available from SBI TIMES under useful-links Menu. The product
codes are being updated on daily basis.
76

01.03-Deposit Accounts Opening

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01.03-Deposit Accounts Opening

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03.

Introduction to Deposit Accounts

Opening of a Current Account

Opening of a Savings Bank Account

Opening of a Recurring Deposit Account

Opening of a Term Deposit Account

Opening of a Special Term Deposit Account

Opening of a Savings Plus Account

Opening of a Premium Savings Account

Opening of a SBI Surabhi Account

Opening of MODS Account

Opening of a Special Rate TD / STD Account

Opening of a No Frills Account

Opening of SB Account under Capital Gains Scheme

Opening of Account under SBI Tax Saving Scheme

Opening of SB Account for SHGs

Deposit Accounts Modifications

Bulk Creation of Accounts

03.01. Introduction to Deposit Account:

03.02. Opening of a Current Account:

Pre-Conditions: Customer CIF has to exist before an A/c can be opened.

On invoking the option menu, SCR:002000pmt CIF: Create Account Prompt is

SCR002000 is displayed. This is the first of the five tabbed (associated)

Customer Category. Select as appropriate from the drop down.

Location/ Term. Select from the drop down menu.

Other codes are for various Term Deposit products etc.

The Currency in which the account is denominated. In most of our domestic

0306 = Per Dom Staff; 0706 = Per Dom Public,

0806 = Per NRI,

5001 = C&I, 5002 = C&I FOOD, 5004 = SBF, 5005 = SSI,

ATM Request in case of SB and Current Accounts, and Nomination

Bank code for SBI;

03.03. Opening of a Savings Bank Account:

Queue (Refer 14.01)

Pre-conditions: Customer CIF has to exist before an A/c can be opened.

9. ATM Request and Nomination requirement in case of all deposit accounts

Account number (5 is the check digit but if the account

03.04. Opening of Recurring Deposit Account:

Pre-Conditions: Customer CIF has to exist before an A/c can be opened.

03.05. Opening of a TERM DEPOSIT Account:

Pre-Conditions: Customer CIF has to exist before an A/c can be opened

5. Location/ Term: (This defines whether the product is location specific so we

Bank code for SBI

Account number (5 is the check digit but if the account number

Represents the logical partition in the branch from which the

03.06. Opening of a SPECIALTERM DEPOSIT Account:

Pre-Conditions: Customer CIF has to exist before an A/c can be opened

003 3000003798-0 03263 016 0326316

Account number (5 is the check digit but if the account

03.07. Opening of a SAVINGS PLUS Account:

03.08. Opening of a Premium Savings Account

Pre-Conditions: Customer CIF has to exist, minimum balance Rs.25,000/- to be

a second checker is required for authorizing this), a OK message will be

03.09. Opening of a SBI Surabhi Deposit Account

Pre-Conditions: Customer CIF (Non Personal) has to exist, minimum balance of

CLTD (Savings Plus) Product Types

An optimum sweep set up is:

60,000 (minimum balance + minimum sweep)

50,000 (minimum balance)

Max Accumulated Sweep

As advised by the customer

03.10. Opening of MODS Account:

03.11. Opening of a Special Rate TDR / STDR Deposit Account:

Pre-Conditions: Customer CIF has to exist before an A/c can be opened