STATE BANK LEARNING CENTER MASULIPATNAM

E-GYAN
STATE BANK LEARNING CENTER MASULIPATNAM

STATE BANK LEARNING CENTER

MASULIPATNAM

E-GYAN, PART-37
SEPTEMBER-2016
 FOREWORD

An elephant and a dog became pregnant at same time. Three months down the line the
dog gave birth to six puppies. Six months later the dog was pregnant again, and after
nine months, it gave birth to another dozen puppies. The pattern continued.

On the eighteenth month the dog approached the elephant questioning, Are you sure
that you are pregnant? We became pregnant on the same date, I have given birth three
times to a dozen puppies and they are now grown to become big dogs, yet you are still
pregnant. Whats going on?

The elephant replied, There is something I want you to understand. What I am

carrying is not a puppy but an elephant. I only give birth to one in two years. When my
baby hits the ground, the earth feels it. When my baby crosses the road, human
beings stop and watch in admiration, what I carry draws attention. So what I'm
carrying is mighty and great."

Don't lose faith when you see others receive answers to their prayers. Dont be
envious of others testimony. If you haven't received your own blessings, dont
despair. Say to yourself My time is coming, and when it hits the surface of the earth,
people shall yield in admiration.

Our small contribution to the SBI community in the direction of creating awareness is
the current release of e-GYAN for September, 2016 which emphasizes on conceptual
clarity, process integrity and procedural consistency in the field of day to day banking
practices and explores the causes and consequences of various typical situations.

Hope you like it!

We deeply acknowledge the inspiration derived from our Deputy General Manager &
Circle Development Officer Shri. Radhakrishna Rayabharam and Chief Manager (L&D)
Shri. K Muralidhar, which resulted in coming out with the e-editions.

R KRISHNA MURTHY
ASSISTANT GENERAL MANAGER
STATE BANK LEARNING CENTRE
MASULIPATNAM

e-gyan by SBLC, Masulipatnam, September, 2016 Page 2

 INDEX

S.No. Name of the Topic Faculty Page Nos.

From To
1 The 4 Parts of Visualization R Krishna Murthy 4 5

2 ATM Security Tips B Savithri 6 11

3 Breach of Security in Payment P Padma Babu Goud 12 14

Gateways

4 Standardisation of Security R Prabhakara Rao 15 17

Alarm System

5 Changes in CIF Screens due to ASRKK Sarma 18 20

FATCA and CRS Compliance

7 Important KHL queries answered SBLC Team 21 30

by SBLC Masulipatnam

e-gyan by SBLC, Masulipatnam, September, 2016 Page 3

 THE 4 PARTS OF VISUALIZATION
Compiled by Sri. R Krishna Murthy, AGM

Did you know that there are 4 parts of visualization that you can learn and practice to assure
that you use this incredible power to its best advantage all the days of your life?

How Often?

The first aspect of visualization is frequency. This is number of times that you visualize
yourself performing in an excellent way, in a particular event or circumstance, to achieve a
particular goal. The more frequently you repeat a clear mental picture of your very best
performance or result, the more rapidly it will appear as part of your reality.

How Long?

The second element of visualization is the duration of the mental image, the length of time
that you can hold the picture in your mind each time you replay it. When you deeply relax,
you can often hold a mental picture of yourself performing at your best for several seconds,
and even several minutes. The longer you can hold your mental picture, the more deeply it
will be impressed into your subconscious mind and the more rapidly it will express itself in
your subsequent performance.

How Clearly?

The third element of visualization is vividness. There is a direct relationship between how
clearly you can see your desired goal or result in your mind and how quickly it comes into
your reality. This element of visualization is what explains the powers of the Law of Attraction
and the Law of Correspondence. The vividness of your desire directly determines how
quickly it materializes in the world around you.

Here is an interesting point: When you set a new goal for yourself, your image or picture of
this goal will usually be vague and fuzzy. But the more often you write it, review it, and repeat
it mentally, the clearer it becomes for you. Eventually, it will become crystal clear. At that
point, the goal will suddenly appear in your world exactly as you imagined it.

How Intensely?
The fourth element of visualization is intensity, the amount of emotion that you attach to your
visual image. In reality, this is the most important and powerful part of the visualization
process. Sometimes, if your emotion is intense enough and your visual image is clear
enough, you will immediately achieve it.

e-gyan by SBLC, Masulipatnam, September, 2016 Page 4

Of course, the elements of frequency, duration, vividness, and intensity can help you or hurt
you. Like nature, the power of visualization is neutral. Like a two-edged sword, it can cut in
either direction. It can either make you a success or make you a failure. Visualization brings
you whatever you vividly and intensely imagine, whether good or bad.

Action Exercise

Continually feed your mind with clear, exciting, emotional pictures. Remember, your
imagination is your preview of life's coming attractions.

Source: Banking News

*********

e-gyan by SBLC, Masulipatnam, September, 2016 Page 5

 ATM SECURITY TIPS

Compiled by Smt. B Savithri, Chief Manager (Training)

The Bank has been receiving complaints of fraudsters using debit card information, which
they source from our customers through phone calls, ATM skimming, photographing the
debit card etc., to withdraw cash or purchase items on e-commerce sites. While the facility of
restricting debit card usage is available on the Internet Banking platform of the Bank, we had
to find a way to provide our customers with a simple but effective solution to curb this
menace.

While restricting debit card usage would reduce the chances of misuse, customers are
advised not to share their card details and PIN number with anyone, not even with Bank
officials. Change the PIN to one that can be easily remembered but is difficult for others to
guess. When using at restaurants, supermarkets etc, never let the card go out of sight. When
using the card at an ATM, make sure to cover the view of the PIN pad with one hand while
entering the PIN with the other. Always keep the mobile number, email ID and other contact
details updated with the Bank for alerts on transactions that happen on the account.

The Bank has also started sending messages to a few customers who have not used their
ATM cards for online transactions for more than a year as a precautionary measure as
below-

Your debit card ending with xx6316 has been deactivated only for internet transactions. To
activate send sms "SWON ECOM 6316" to 09223966666 No change for ATM/POS usage."

The customer has to send SMS from his registered mobile number that is linked to his
account for switching on the service for his ATM card.

This facility is also available in SBI Quick Missed Call Banking which involves Banking by
giving Missed Call or sending an SMS with pre-defined keywords to pre-defined mobile
numbers. SBI Quick App can be downloaded from respective App store for Android,
Windows, iOS or Blackberry phones. Internet connection is not necessary for using this App.

Registration Process:

It involves a onetime registration from the mobile number available in bank's records for that
particular account.

SMS, REG (space) account number' to 09223488888

e.g. REG 12345678901

Confirmation message will be received indicating successful/unsuccessful registration.

e-gyan by SBLC, Masulipatnam, September, 2016 Page 6

If successful then you can start using the services.

If unsuccessful:

1. Check the format and destination mobile number

2. Ensure that your mobile number is updated with the Bank for that account number by
visiting the Home Branch.

This App can also be used for a few ATM related services too.

Blocking of ATM Card

You can block the ATM Card linked to the registered account in case of loss / theft.

Send a SMS BLOCK (space) XXXX to 567676

(XXXX represents last 4 digit of the card number).
On acceptance of the request for blocking, you will get a confirmatory SMS alert that contains
the ticket number, date and time of blocking.

Note that ATM Card can also be blocked through the following means:

By calling State Bank Contact Centre.

By visiting any nearest State Bank Branch
By logging on to OnlineSBI (only for personal segment customers).

SBI Quick: SMS and Missed Call banking service can also be used to activate/deactivate
usage of the debit card on the following locations/platforms:
ATM, Point of Sale (POS), E-commerce websites, International Usage, Domestic Usage.

ATM Card Usage Configuration

You can now control your ATM Card channel of usage by sending an SMS from your
registered mobile number. You can choose to activate/deactivate usage at ATM, POS,
E-Commerce, International and Domestic Usage with SBI Quick SMS service
Send an SMS SWON/ SWOFF ATM/ POS/ ECOM/ INTL/ DOM XXXX to 09223966666
(XXXX represents last 4 digit of the card number).
e.g. SWON POS 1234 to activate POS usage SWOFF INTL 1234 to deactivate International
usage

On acceptance of the request for activation/deactivation, you will get a confirmatory SMS
alert that contains the reference number, date and time of request.

e-gyan by SBLC, Masulipatnam, September, 2016 Page 7

ATM Card usage can also be controlled through the following means:

Through the State Bank Anywhere mobile app.

By logging on to OnlineSBI (only for personal segment customers).

Login into www.onlinesbi.com and click on e-Services Tab and select ATM Card Services

ATM Card Limit/Channel/Usage Change

Click here

e-gyan by SBLC, Masulipatnam, September, 2016 Page 8

 Select A/c by
radio button
here & click
Continue

Select the card

& select service
type

e-gyan by SBLC, Masulipatnam, September, 2016 Page 9

 Select the Usage Type and
choose Enable / Disable here
&Submit

Enter High Security Password generated in your registered mobile phone.

e-gyan by SBLC, Masulipatnam, September, 2016 Page 10

Successful updation message appears.

This is another step towards convenient banking and customer protection from State
Bank of India The Banker to Digital India.

*********

e-gyan by SBLC, Masulipatnam, September, 2016 Page 11

 BREACH OF SECURITY IN PAYMENT GATEWAYS

Compiled by Sri. P.Padma Babu Goud, Chief Manager (Trg)

According to a statement issued by the NPCI, 641 customers complaints from 19 banks
have been received and the amount involved is Rs1.3 Crores. According to RBI norms, if
the customer is not responsible for a fraudulent transaction, then the bank will be liable to
pay compensation.

National Payments Corporation of India (NPCI), the domestic payment gateway, has urged
debit card customers whose data has been compromised, not to panic as all the necessary
actions have been taken to deal with the fiasco. Necessary corrective actions already have
been taken and hence there is no reason for bank customers to panic, said A.P. Hota, MD &
CEO, NPCI. The advisory issued by NPCI to banks for re-issue of cards is more a preventive
exercise, he added.

Banks alerted:

All affected banks have been alerted by all card networks that a total card base of about 3.2
million could have been possibly compromised, the statement said. The total debit card base
of the country is 697 million.

According to the NPCI, the problem was detected when some bank customers complained
that their cards were used fraudulently mainly in China and U.S while customers were in
India.

Suspecting that it could be a case of card data compromise, all the three payment gateways
that operate in India RuPay, Visa and MasterCard swung into action in September.

It was established through the analysis after such frauds were reported that there was a
possible compromise at one of the payment switch providers system. Based on the analysis,
NPCI and other schemes identified the period of compromise and the possible card numbers
which could have been compromised during that period, the NPCI said.

State Bank of India (SBI), the countrys largest lender which is in the process of replacing
over 0.6 million debit cards, corroborated the NPCIs views.

Card network companies NPCI, Master card and Visa had informed various banks in India
about a potential risk to some cards in India owing to a data breach. Accordingly, State Bank
of India (SBI) has taken precautionary measures and has blocked cards of certain customers
identified by the networks, the SBI said.

e-gyan by SBLC, Masulipatnam, September, 2016 Page 12

Hitachi said it had appointed an external audit agency certified by payment Card Industry
(PCI) in the first week of September, to check the security of systems for any breach or
compromise based on a few suspected transactions that were highlighted by banks for which
it manages ATM networks.

Forensic audit:

Yes Bank has also appointed a Certified Information Systems Auditor (CISA) for a forensic
audit of its systems and processes. It has proactively undertaken a comprehensive review of
its ATMs, and there is no evidence of a breach or compromise on Yes Bank ATMs - the bank
said. Yes Bank continues to work with relevant stake holders to ensure utmost safety and
security of its ATM network and payment services which are completely safe to use, it
added.

Onus on vigilance:

In the wake of skimming of data from several thousands of debit card accounts, cyber
security experts have suggested using the safe banking feature that gives an option to
generate virtual credit or debit cards with a set spending limit valid for a one-time use.

Banks should :

Establish real-time monitoring systems

Adopt solutions to proactively address adversaries
Create awareness among employees as well as customers.

Steps that Consumers should take:

Change ATM pins irrespective of whether the card is affected.

Use passwords with a mix of letters & special characters.
Never share ATM PIN.
Protect online transaction using security software
Think before you click on any link.

Customers must be doubly vigilant: Security experts

With India hit by one of its biggest financial security breaches compromising hundreds of
thousands of debit cards, customers need to be doubly vigilant. Consumers should consider
changing their passwords used for any financial transactions through accounts such as net
banking, debit or credit cards or even mobile wallets, even if they havent been contacted by
their banks as potentially impacted (by the debit card data breach), recommends Symantec
corporations Managing Director (India) Shrikant Shitole.

e-gyan by SBLC, Masulipatnam, September, 2016 Page 13

Essential precautions:

Mr. Shitole cautions that account holders should use strong password, change them every
three months, and never reuse a password. He also cautioned - Opening the wrong
attachment can also introduce a malware to your system. Never view, open or copy mail
attachments unless you are expecting the email attachments unless you are expecting the
email and trust the sender,

Saket Modi, co-founder of cyber security firm lucideus, suggests that instead of having just
one debit card, consumers should keep at least 3-4 cards and use the one with the lest
balance while shopping outside. Mr. Modi recommends using the safe banking features that
provide the option of generating virtual credit or debit cards with a set spending limit, valid
only for one-time use. Alternatively, switch to the United Payments Interface, which is
considered safer than debit cards.

Who bears the loss?

Asked about the implications for the victims of cybercrimes, cyber law expert Pawan Duggal
says, The law is very clear. All banks are intermediaries under the Income Tax act. Under
Section 79 of the Act they are mandated to do due diligence.

In case banks are negligent in doing this, leading to a loss, it is the banks that will have to
bear the brunt of the loss, Mr. Duggal says. However, a bank may not be liable if it asks the
customer to change his or her PIN but the customer chooses to ignore the advice.

Source : An article in The Hindu Dt. 21.10.2016

********

e-gyan by SBLC, Masulipatnam, September, 2016 Page 14

 STANDARDISATION OF SECURITY ALARM SYSTEM
Compiled by Sri. R Prabhakara Rao, Chief Manager (Training)

ComponentsofSecurityAlarmSystematallBranches
a) Control Panel with Integrated Auto-dialer (PSTN or GSM Based)
b) In Built Auto DIALLER
c) Wires
d) PIR Sensors
e) Hooters External and Internal
f) Magnetic Sensors
g) Vibration Sensors
h) Panic Switches

TechnicalSpecificationforSecurityAlarmSystem
(a) Micro-controller Based Control Panel with inbuilt LCD indication & with
integrated Auto-dialer (preferably GSM Based. However, if mobile network is not
available, PSTN based)
(i) External Body Features
(aa) Protected from dust, water, vermin etc.
(ab) Acrylonitrile Butadiene Styrene (ABS)/ 18 SWG M S Cabinet, epoxy
Coated
(ac) Locking of panel by Allen Head screw on sides / internal lock
(ad) Bracket mounted
(ae) Provision for battery compartment inside the panel.

Micro-controller Based with LCD indication & push button to show the status/health
Of the system (Data Logger System). The panel should indicate the health of the
System (Fault, power failure and battery status indicator).
(iii) Option to add wireless module having provision for Cordless Switch to
activate the alarm system
(iv) Real Time Clock with accuracy of +/- 15Sec per day.
(v) In the event of any zone getting faulty or switch getting isolated, it should
give indication on the LCD display and the system to remain functional.
(vi) The system should automatically (arming & disarming) change from day to night

e-gyan by SBLC, Masulipatnam, September, 2016 Page 15

 mode & Vice-versa as per the real time clock (programmable) and also have
option to change manually with existing key pad.
(vii) Sounding of hooters gets automatically put off after a period of 3 minutes
(programmable with the help of key pad) and thereafter the entire system
should get reset.

(viii) The system shall have programmable 0 - 90 Sec time delay to activate the
sounding of hooters for panic switches and entry and exit time delay from 0 to 90
sec for PIR.
(ix) The system should have in-built auto-dialer (PSTN based or GSM based).
(x) System operating on Mains and battery backup (12V 7Ah) with recharging
facility.
(xi) Should support two external hooters besides the internal one.
(xii) It should be compatible with PIR Sensors, Magnetic Sensors, Vibration Sensors,
and Light Sensors and have one zone for fire detector (smoke sensor) etc and
capable to put on the lights when activated during night mode.
(xiii) Auto Reset after activation 03 minutes (Day & Night Mode)
(xiv) Any wire cut should activate the alarm system for 120 seconds and
thereafter the affected switch / zone to get isolated/ bypassed with display / blinking
of LCD panel indicating the defect.
(xv) ON/OFF function of the system should only be with the help of keypad.

(b) In-buildAutoDialer:
(i) It should be compatible with GSM / PSTN connection of any service provider.
(ii) Provision for storage and dialling minimum five (05) Telephone / mobile
numbers with recording message up to 20 Seconds duration.
(iii) Message should be repeated at least twice before dialling the 2 nd number. In case
number not responded, facility to re-dial the number after completing the cycle.
(iv) Should have message recording facility at local end (Branch end).
(v) In-built GSM auto-dialler should have the ability to generate SMS alerts in
addition to auto-dialling the pre-fed numbers.
(vi) Provide signal strength and status indication on display screen.

(c) Wiring:
(i) 2 Core and 4 Core Multi strand .75 sq. mm, flexible, ISI marked (Finolex/ Plaza/
Polycab/ RR Cable or similar quality), PVC insulated copper wire for connection of panic
switches and other sensors respectively.
(ii) Rigid PVC conduit 2 mm ISI mark. Fixed with metal saddling at every 02 ft distance.

e-gyan by SBLC, Masulipatnam, September, 2016 Page 16

 (d) PIRSENSOR:
(i) Dual Technology (IR & Microwave)
(ii) Detection coverage horizontal angle 110 degrees
(iii) Detection Range: Up to minimum 10 Mtrs
(iv) Sensitivity range: Low/ Med/ High
(v) Wall mounting facility.
(vi) Pet / rodents immunity.
(vii) Provision for calibration to adapt changes in ambient temperature due to
various seasons.

(e) Hooter:
(i) Min 90 dB for internal and 110 dB for External (CE & UL certification).
(ii) 4 wired with tamper loop (Cutting of hooter wire should trigger other hooter)
(iii) ABS body
(iv) Weather Proof
(v) Wall mounting facility
(vi) Operates on 12 Volt DC

(f) MagneticSensor:
(i) ABS body
(ii) 4 wired with tamper loop (NC circuit)
(iii) Operating Gap: 15mm

(g) Multi-FunctionSensor:
(i) Capable of vibration detection, metal cutting and glass breaking
(ii) ABS body
(iii) Sensitivity range: Low/ Med/ High

(h) PanicSwitches:
(i) Sturdy built
(ii) Micro Switch Technology
(iii) In-built tamper Switch

******

e-gyan by SBLC, Masulipatnam, September, 2016 Page 17

 CHANGES IN CIF SCREENS DUE TO FATCA AND CRS COMPLIANCE
Compiled by Sri. ASRKK Sarma, Manager (Training)

e-gyan by SBLC, Masulipatnam, September, 2016 Page 18

e-gyan by SBLC, Masulipatnam, September, 2016 Page 19
 EXISTING FIELDS TO BE UPDATED IN CIF SCREEN
Values for it to be Validation
S. Mandatory /
Existing field New name entered / selected by required (if
No Optional
teller any)
Mandatory
Father/Spouse Fathers / Guardian Teller will input the
1 Mandatory if PAN is not
Name Name name
entered
Gender Code / No changes are 1. M: Male
2 Cust Class required in name but 2. F: Female Mandatory -
Code in drop down values 3. O: Others
1. S: Service
No changes are
Occupation 2. B: Business
3 required in name but Mandatory
Code 3. O: Others
in drop down values
4. X: Not categorized
Mandatory, In Alternate
even if a single Address
field of this Details
4 District City/ Town / District -
section is filled. (India /
Otherwise, it is Foreign)
non-mandatory section
A: Passport
B:Election ID card
No changes are C;PAN Card
Identification required in name but D:ID Card
5
Proof change in drop down E: Driving License
value nomenclature G: UIDAI Letter
H: NREGA job card
Z: Others

******

e-gyan by SBLC, Masulipatnam, September, 2016 Page 20

 Important KHL Queries Answered by SBLC Masulipatnam

DISCLAIMER

We have made every effort to provide best solutions for the queries raised by the
operating staff in KHL. However, the readers of this magazine are advised to go
through the Banks Circulars, publications and seek advice from the Controllers or
experts before taking any action or decision based on the information, material
contained in this e-magazine.SBI/SBLC do not accept any liability for any damage or
loss of any kind, howsoever caused or of any nature whatsoever as a result (direct
or indirect) of the use of the information, material contained in this e-magazine.

We solicit suggestions/ feedback to stc.mptm@sbi.co.in for improvement of this

magazine, e-gyan.

Madam/Dear Sir, Please clarify the following doubts. 1). While giving non-interest subvention agri gold loans, is it
necessary to obtain agri land documents.? 2) Is credit information reports like CIBIL/High Mark/i-Probe are

required to sanction agri loans like KCC and others

Dear Sir, Land documents are necessary even for non-interest subvention Agri gold loans to decide the
repayment tenor based on crop pattern. CIBIL / HIGHMARK reports are automatically generated in Agri
LOS and helps us in credit assessment.

Dear sir, A customer has approached branch for setting of nominee in his APY a/c ,but there is no menu to set
nominee for apy.kindly give us the path to set nominee for apy a/c. custpomer name : BACHO PANDIT PRAN :
500028997755 Sir kindly look into the matter.

Dear Sir, For married person, automatically spouse becomes nominee even if not entered by you in CBS.
If unmarried status is selected while registration, you need to enter nominee details while registration
itself. If PRAN is already generated for the customer, please try to enquire the record with PRAN details
or else report the matter in servicedesk with group email ID apytechops1@sbi.co.in by referring the
Ticket No so generated by Servicedesk.

DEAR SIR, IF NEIGHTER DEBIT NOR CREDIT ACCOUNTS ARE ASSOSIATED WITH OUR BRANCH THEN WHAT IS

THE SYSTEM AND PROCEDURE FOR DEALING THESE TYPE OF CHEQUE. IF THE CHEQUE IS RELATED TO OTHER

BANK THEN HOW TO DEAL WITH THIS SITUATION

Dear Sir, As the customer of branch is a customer of the bank, we cannot deny any customer to deposit
the cheques into the accounts. But it is a practice that at least one leg of the transaction should be in the

e-gyan by SBLC, Masulipatnam, September, 2016 Page 21

home branch as a matter of abundant caution. But care should be taken while making cash payments in
non-home cheques.

DEAR SIR/MADAM WHAT IS THE PROCEDURE TO REPLACE MY INACTIVE ACHIEVER CARD.

Dear Sir/ Madam Please visit Other Apps in CBS-->Prepaid cards, please input your card no to know the
status and update the position.

while posting batch transfer transaction, control total(Rs. 600) mismatch with grand total (Rs. 750)of all debit

entries(9) and credit BGL entry(1) is Rs. 525/-. In spite these errors Batch posted and Batch status is "5". The

total difference between grand total and control total Rs.150/- and The same difference shows in the GLCNTR

report. Please guide me how to rectify

Dear Sir, Please pass single sided entry for rectifying the pending batch transaction as under: BGL>Batch
/ Technical Rectification>Others>Choose the respective menu -Debit / Credit -CC/OD/Loan etc Verify the
vouchers to check whether the transaction is posted before attempting the above rectification.

Respected sir What is migration NPA and what is the meaning of SAMBs and SARBs

Dear Sir, When the branch is unable to recover the dues through any of the possible means then the
management feels it migrate to SARC (Stressed Asset Resolution Centre) where the limit is below Rs.100
lacs, SARB (Stressed Asset Resolution Branch) where the limits is upto Rs.10.00 crores and SAMB
(Stressed Assets Management Branch) where the limits is more than Rs.10.00 crores.

A HOME LOAN WAS SANCTIONED IN OUR BRANCH ON 2009 UNDER SBI EASY HL FIX RATE SCHEME (AC NO

30892512714) IN WHICH RATE OF INTEREST WAS LINKED WITH SBAR. PRESENTLY BANK CHARGING 13.75 %

RATE OF INTEREST ON LOAN. IS IT CORRECT? IF NOT, HOW CAN WE FIND OUT CORRECT RATE OF INTEREST?

Dear Sir, Interest rates if linked to SBAR (Prime Lending Rates) can be ascertained from the sanction note
of loan from where you can know the interest spread. The changes in SBAR are available in ALM site.
SB Times> Useful Links1>ALM Online>Interest Rates History> Base Rates or Prime Lending Rates

CAN WE SANCTION XPRESS CREDIT LOAN TO A BORROWER WITHOUT SIGNATURES OF DDO ON XP 5 AND XP 7
ANNEXURES

Dear Sir, It is mandatory. Please refer master circular on Xpress Credit available in PBBU site.

e-gyan by SBLC, Masulipatnam, September, 2016 Page 22

Dear Sir, please provide me LATEST Circular related to individual BC OVERDRAFT FACILITY.

Dear Sir, BUSINESS CORRESPONDENT FOR ADVANCE FOR PURCHASE OF OFFICE FURNITURE AND
PURCHASE OF 2-WHEELER ARE ELIGIBLE AS PER CIRCULAR NO NBG/SMEBU-BUSICORR/41/2014-15 DT
27/10/2014.

Respected Sir/Madam What is meaning of subsidiary Loans give me detailed information and send me ppt

Dear Sir, Subsidiary loans means some portion of project cost will be provided through government
agencies by means of subsidiary, which is useful in margin contribution etc., to the enterprises. These
subsidiary will be provided at being of at the beginning of the project which is front end subsidy. Some
times, subsidy will be released and kept under STDR with Zero rate of interest and adjusted as last
repayment installments, which back end subsidy.

1. Earlier we obtain DP Note & Delivery letter while extending demand loan against TD receipt but after

introduction of TD advice, we need to obtain separate loan agreement and not this DP note & Delivery letter. Can

we have its detailed Circular No containing the agreement & other instructions? 2. Need we keep the TD advice

along with the agreement?

Dear Sir, Dear sir, Please refer the following e-Circular SYSTEMS AND PROCEDURES Sl. No. : 71/2005 - 06
Circular No. : NBG/S&P-ADVANCES/1/2005 - 06 Monday, May 30, 2005.

Dear Sir, Please let me know what are the capability, transaction group and user type given for customer

assistant who works as a SWO.

Dear Sir, Capability - 2 Transaction Group - 3 User Type - 1

cbs manual - user management - page 252

Dear Sir The HTL borrower (Loan availed on 20/02/2016 present ROI 9.50) wants change over ROI (9.30) to

MCLR Product. 1) Switch Over fee to be charged or not.2) She has availed home top up and car loan also and

wish to change over the same. Can we change to MCLR product?

Dear Sir, Yes, they can switch over from base rate to MCLR. For HL and Home Top : The existing
borrowers under Base Rate/SBAR will be permitted to switch-over to the MCLR linked rates in under
mentioned scenario: (a) Where the effective rate for the customer remains same: No charges (b) Where
customer opts for the current card rate under MCLR: With a fee of 0.50% of outstanding (D.P. in case of
Maxgain) subject to minimum of Rs.5,000/ plus applicable Service Tax Car loan : The existing borrowers
under Base Rate linked rate will be permitted to switch-over to the MCLR linked rates for which a fee of
Rs. 500 + applicable Service Tax will be charged.

e-gyan by SBLC, Masulipatnam, September, 2016 Page 23

Respected Sir What is service tax how to calculate service tax give me detailed information

Dear Sir, Please read details available in SB Times>Department 1>Financial Reporting and
Taxation>Service tax>FAQs

Sir, Pl provide the circulars of power pack & power gain current accounts.

Dear Sir, Please go through e- Circular Sl. No. : 1268/2015 - 16 Circular No. : NBG/SMEBU-POWER
CA/59/2015 -16 dtd 130/01/2016 for latest features of power current accounts.

Respected sir, we are having a cc account in our branch, they asked for only view rights so we have issued khata

inb for them. now after one year they want to have transaction rights for that account. we have tried many times

for issuing saral inb. but the queues are failing. So may I know what is the standard operating procedure for

existing khata inb holders to switch over /upgrade to saral inb?

Dear Sir, INB Maker has to go to INB Branch Interface. Corporate>Deactivate Khata User. The INB
Checker will Confirm under Approve Tab and then SARAL facility can be provided in CBS next day by
CIF> Amend> Misc Details>Access Channel 10 and new kit is issued. The transaction rights are
provided through DEPOSIT CC OD DETAILS>CREATE>ACCOUNT CHANNEL LINK, followed by doing
Rectify Mapping Issues>INC Request in INB Branch Interface.

Sir, I've already posted a query same as below for which I received the following Answer Q: 1.Could you please

inform the path where we have to enter the customer locker visits in locker menu in CBS, 2. What is the menu to

enter nomination facility for locker customers Kindly inform me as the question is not solved from many days. A:

Under Customer Management the 5th option Relationship/Ownership, next screen No.60440/60442 for

nomination. Keep your SDV/SC No. to key in. Nominees CIF No. is also required. If Locker Module is activated in

CBS, then No. of visits are taken care by the system. But, when we were trying to do the same a new menu is

asking for entity 1 and entity 2 and percentage which we found difficult to proceed. So please kindly guide us and

rectify the problem.

Dear Sir, Customer visits for operating locker has to be entered in SDV/SC>SDV Locker operating prompt
menu For registering nomination: Please follow the navigation: CIF-> Relationship/ownerships->
Relationships SCREEN : 060440 - SCREEN: 060442 (CIF: Relationship Link) ID: CIF NO. of NOMINEE should
be entered. (CIF OF PERSON TO BE NOMINATED). ENTITY: CUS: Customer Information Master.
RELATIONSHIP REQUIRED: 9430:NOMINEE TO ACCOUNTENTITY 2: SDV A/C NO. e.g.49500223583 TO BE
ENTERED ENTITY TYPE: SDV:SDV/SC Nominee Relationship Code: 9430: Nominee to Account. Give Start
Date and End Date (if applicable) and TRANSMIT. Get the Queue authorised.

e-gyan by SBLC, Masulipatnam, September, 2016 Page 24

MADAM/SIR ONE A/C IS INOPERATIVE WITHOUT PROPER KYC. WE RECIEVED APPLICATION BY POST FROM

OTHER BRANCH. NOW THAT BRANCH CALLED OUR BRANCH ASKING TO TRANFER A/C. SERVICE MANAGER

ASKING TO TRANSFER .WHAT ARE THE PRECAUTIONS TO BE TAKEN

Dear Sir, Only Operative account can be transferred.

Dear Sir/ Madam One of our customer has approached us for availing OD against NRE STDR. The customer is a
British National Holding a British Passport. Can we sanction OD against NRE STDR to the customer? Please
advise.

Dear Sir, OD against NRE deposits are allowed for the NRI even through online banking. Please guide
customer on that and only closure of the OD has to be done at the branch which can be requested
through online banking and branch has to attend through manual intervention transaction in CBS.

Sir/madam., HOW AND WHERE TO CHECK DEBIT CARD FULL NUMBER? DUE TO USAGE, NUMBERS ON THE

CARDS ARE ERASING. WHEN I CHECK IT IS SHOWING ONLY FIRST 6 AND LAST 4 DIGITS. ( IF THE CUSTOMER

HAVING INB FACILITY, WE CAN SUGGEST IT. PLS SUGGEST ME FOR THE NON INB CUSTOMERS)

Dear Sir, The ATM card number is not displayed in full even in online banking. The customer can
approach Bank where the staff can view full number through transaction enquiry screen in CBS from last
operated transaction.

1.Wether there is any specified cut off loan amount for submission of irregularity reports to controllers . 2. Any

specified format provided by Bank. Query is submission of irregularity reports is in respect of NBG branch

Dear Sir, In respect of SME loans, it is necessary to report irregularities in working capital limits, Term
Loans, non-fund based limits (included) occurring during a month in the subsequent month and at
monthly intervals thereafter, till the account is regularised. However, in case of irregularities occurring
only in non-fund based facilities, initial reporting alone would suffice and no subsequent reporting is
necessary, where no fresh exposure is contracted in the facility. Please refer to Manual on Loans and
Advances Chapter 3, page 278 In case of 'Per' or 'Agri" segment loans, irregularity report format for
individual reporting is to be made as per the Annexure -II placed in the Chapter 21 of Manual on Loans &
advances Part 3. The simple listing of such reporting is placed in Circular CCFO/ADV/123/06-07 dated
03.07.2006.

A customer viz Businessmen has approached us for home loan of 35 Lacs. He has submitted his Income TAX

RETURNS and Balance Sheets (Un Audited) for last 3 years alongwith other required documents. Now my query

is:- I) Whether we can process the loan application on the basis of un-audited.? ii) What is criteria for processing

the loans both per and sme segment on the basis of Un Audited Balance Sheets, please apprise along with

Circular details.

e-gyan by SBLC, Masulipatnam, September, 2016 Page 25

Dear Sir, As per IT Act, all businessmen have to file audited financial statements if they have annual
turnover of Rs.2 crores and above except those who are having annual turnover upto Rs.2 crore with net
profit of atleast 8% as they are exempted from filing audited data. In case of Home Loans, you may refer
the IT statements of the applicant to IT consultants in your area for verification. In case of SME advances,
audited financials are must for processing loans of Rs.25 lacs and over.

Dear Sir, Please guide me where can we get PAI Incentives.

Dear Sir, Please contact the Cross Selling Manager at your respective RBO for PAI incentive and for
further details on PAI and incentives for the FY 2016-17 refer e-Circular Sl. No. : 212/2016 - 17(Circular
No. : NBG/PBU/MCS-MCS/2/2016 -17) dated 13/05/2016.

DEAR SIR/MADAM HOW TO OPEN AN ACCOUNT UNDER THE CAPITAL GAINS ACCOUNT SCHEMES,1988 AND
WHAT IS THE PROCEDURE, MINIUM INITIAL DEPOSIT AND DOCUMENTS TO OBTAIN FROM THE CUSTOMER ?

Dear Sir, Capital gains account can be opened in the form of SB or TDR and minimum deposit is
Rs.1000/-. Separate account opening forms are available for this scheme.
Hyderabad Circle Site>LHO Dept/BUs>Business Units>PBBU>Deposit Products>Capsgain Plus

Dear Sir, As per circular no NBG/PBU/PL-EDUCATION/53/2015-16 pertains to credit guarantee fund scheme,

Please advise us that under the scheme which amount of education loan up to covered and what are the other

condition in details for eligible under the scheme credit guarantee fund scheme.

Dear Sir, The circular referred by you is applicable to education finance under Delhi Govt only whereas
CGFSEL scheme is applicable to rest of the country. The loan is restricted to Rs.7.5 lac for guarantee
under the scheme and no third party guarantee or collateral security to be taken. The courses eligible are
as per Student Loan scheme / Scholar Loan scheme as usual.

Respected Sir what is the meaning of NEW IRAC and OLD IRAC status and what is the meaning of Arrear

condition give me detailed information.

Dear Sir, New IRAC code means indicative status of IRAC which may get stamped into Old IRAC on
month end. Old IRAC code means confirmed status of IRAC which creates provisions depending on NPA
status of the account. Arrear conditions depend on the type of irregularity in the account based on which
the IRAC status may change in an account. This can be enquired from Common Processing>Overdue
/NPA>NPA Enquiry menu in CBS

e-gyan by SBLC, Masulipatnam, September, 2016 Page 26

SIR I AM WORKING IN PATTIKONDA BR-981,KURNOOL DIST,ANDHRA PRADESH. AS PER A P GOVT STAMP
DUTY,IS SME-2 REQUIRED FOR SANCTION OF ASSET BACKED LOAN?

Dear Sir, SME-2 is required as loan agreement for ABL also and it attracts stamp duty of 0.50% of loan
amount.

PLEASE PROVIDE ME WITH THE SEQUEL OF BASE RATES FROM 2014

Dear Sir, The changes in base rate are available in ALM site.
SB Times> Useful Links1>ALM Online>Interest Rates History> Base Rates

RESPECTED SIR, THERE IS ONE CUSTOMER WHO WANT'S TO JOIN HIS MENTALLY RETARDATION SON (AGE

21YR) WITH HIS OWN A/C. NOW MY QUARRY IS- 1. CAN WE JOIN A/C OF MAINTAILLY ILL SON WITH HIS

FATHER? 2. CAN WE OPEN NEW A/C OF MENTALLY ILL SON WITH HIS FATHER? PLEASE GUIDE ME IN THIS

REGARD. WHAT WILL BE THE SOLUTION?

Dear Sir, The legal position of the depositor as per The Mental Health Act, 1987 are to be followed and if
required take advice from the Law Officer since Court appointed guardian can only operate the account
of such a person. Please take adequate precaution to avoid legal issues as mentioned in Master Circular
on SB accounts.
e Circular Sl. No. : 391/2016 - 17 Circular No. : NBG/PBU/LIMA-MISC/12/2016 - 17 dtd 22/06/2016

Sir please explain the details of types of ATM/debit cards. Which persons are eligible to those cards. Where can

we found the details of the atm card types?

Dear Sir, The details are available in Types of Cards and e-Circulars in Alternate Channels Department
site.
Hyderabad Circle Page>LHO/BUs>DGM Alternate Channels>Alternate Channels>ATM>ATM Card Status

I WILL BE OBLIGE IF YOU KINDLY ADVISE ME ABOUT EDUCATION LOAN. WHETHER PAN FOR EDUCATION LOAN

MANDATORY OR NOT. 2) WITHOUT ANY ASSET OF GUARANTOR OF EDUCATION LOAN WILL BE SANCTION OR

NOT?

1) PAN IS MANDATORY FOR BOTH STUDENT AND FATHER

2) 2) UPTO 7.5 LAKHS NO COLLATERAL NO SECURITY.

e-gyan by SBLC, Masulipatnam, September, 2016 Page 27

SIR, I AM N.SAI THEJASWINI BEARING PF-7449380, CUSTOMER ASSOCIATE. WHILE DEALING WITH ATM'S, AM

GETTING MAXIMUM COMPLAINTS ABOUT MOBILE REGISTRATION. THE COMPLAINT IS, AS THE CUSTOMER IS

DOING TRANSACTION IN ONLINE THROUGH ATM, IT GETS THE OTP. AFTER ENTERING OTP, CVV NUMBER AND

EXPIRY DATE THEN THE ONLINE SERVICE IS DISPLAYING AS YOUR MOBILE NUM IS NOT REGISTERED WITH

YOUR ACCOUNT NUMBER. PLEASE CONTACT YOUR BRANCH". EVENTHOUGH MOBILE GETS THE OTP BUT THE

TRANSACTION DOES NOT LEAD TO SUCCESS". WE AGAIN RE-ENTERED THE MOBILE NUM IN CBS BUT THE

PROBLEM IS NOT SOLVED.

Dear Sir, Some accounts where online transaction or e-commerce transactions are not carried out for
long time are automatically deactivated from back end for security reasons. If the customer now wishes
to avail the facility, he has to send SMS in following format to 09223966666- SWON ECOM **** where
**** indicates last four digits of his ATM card

DEAR SIR, HOW TO FIND OUT MOBILE BANKING USER ID OF A PARTICULAR ACCOUNT IN SBI

TIMES.UNFORTUNATELY A CUSTOMER OF OUR BRANCH HAS FORGOTTEN HIS USERID.TO DEREGISTER HIS

MOBILE BANKING WE NEED TO ENTER OLD USERID.HOW TO TRACE OLD USER ID. PLEASE DO NEED FUL

Dear Sir, Please click on the below link for Mobile Banking User enquiry
http://10.0.12.206:8080/search/Acc.jsp.

What are the functions of a Digital Voucher? How the data given by the customer can be verified by us?

Dear Sir, Dear sir, SBI DIGI voucher is an initiate for banking transactions securely, rendering the
convenience of filing vouchers using smart phones. You are expected to download SBI Digi Voucher app
and complete the four steps. 1. authenticate using your credentials. 2. Select and fill the desired voucher
3. Receive reference number on your smart phone. 4 Visit your branch to complete the transactions.
Presently you can initiate the following banking transactions with the app. 1. Deposit to saving account
using cash or SBI A/c Cheque. 2. Deposit to loan account through SBI account cheque. 3. NEFT using SBI
Account cheque 4. RTGS using SBI Account cheque. 5. Request for demand draft issuance using SBI
Account cheque".. It is the responsibility of the creator of the digi voucher about the correctness of the
transaction. We have to verify the reference no and accept the transaction.

e-gyan by SBLC, Masulipatnam, September, 2016 Page 28

Dear Sir, What we to do with deposit account unclaimed with credit balance in our branch. What is the procedure
to be followed to deposit accounts unclaimed?

Dear Sir, Please refer the e circular: NBG/BOD/GB/29/2014-15 dated the 25.06.2014, which describes in
detail about this Depositors Education and Awareness Fund (DEAF) Scheme 2014 and also how to refund
the amount claimed by the account holder. The format of claim forms is available with the e circular
NBG/BOD/GB/37/2014-15 dated 23th July 2014. Please be guided by both these Circulars referred
above.

Respected sir, we are unable to give mudra cards to our customers in core banking. Kindly advise the procedure
i.e. Codes for card etc

Dear Sir, Step by step guide available in e-Circular SME BUSINESS UNIT. Sl. No. : 734/2015 - 16 Circular
No. : NBG/SMEBU- UDRA/37/2015 - 16 Friday, September 11, 2015.-PMMY MUDRA CARD ISSUANCE OF
MUDRA CARD IN CBS

Respected sir I want to know more information on how the accounts are classified into buckets under FATCA/CRS

compliance. I am unable get the useful information through Google and state bank times. So I request you to

please to guide me in this area.

Dear Sir, GITC Belapur has done electronic search for all accounts having US indicia or Other indicia and
basing on value of the account, buckets are created and provided to branches through FATCA and CRS
reports for carrying out due diligence or ERP. More information is available in circulars of CBDT and RBI
and step by step guide for CBS activities which are available in FATCA and CRS section of BOD.
SB Times>Departments 1>Banking Operations Department>FATCA section

Respected sir what is the difference between irrigated and non irrigated lands

Dear Sir, Irrigated land is the Agricultural land with water source like; Borewell, tubewell, canal,river etc.
2. Non irrigated land is the agricultural land dependent only on Rain.

Sir Kindly advise the procedure for bulk account opening of scholarship accounts.

Sir Please navigate as hereunder: in Statebanktimes, Hyderabad circle > LHO Departments / BUs> CDO
departments > ITS > Downloads > Bulk account opening wherein you can find a write up and required
software which may be downloaded for your use.

Sir,Please LET ME KNOW CAN WE CLOSE PREMATURELY OF SUKANYA SAMRIDDHI ACCOUNT. ONE CUSTOMER OF
OUR BRANCH OPENED SUKANYA SAMRIDDHI ACCOUNT IN HIS DAUGHTER NAME,DUE TO SOME SERIOUS
PROBLEM TO GIRL CHILD HE WANTS TO CLOSE THE ACCOUNT FOR THE NEED OF DAUGHTER.IS IT IS POSSIBLE
TO CLOSE THE ACCOUNT, PLEASE CLARIFY.OR CAN HE WITHDRAW THE PARTIAL AMOUNT.

e-gyan by SBLC, Masulipatnam, September, 2016 Page 29

Dear Sir, Premature closure of SSA is allowed in the event of death of the depositor or in cases of
extreme compassionate grounds such as medical support in life threatening diseases to be authorized by
an order by the Central Government
SB Times>Useful Links2>sbi.co.in>Search-Sukanya Samriddhi Account

DEAR SIR/MADADM HOW TO CLOSE ATAL PENSION YOJNA ACCOUNT OPENED IN THE BRANCH? HOW TO

ENQUIRE ABOUT IT, HOW MANY MONTHLY PAYMENTS DONE?

Dear Sir, The customer receives PRAN through which he can enquire how many installments are paid by
login through online portal- npscra.nsdl.co.in. He can choose to exit anytime before 60years of age now
but he cannot get the benefit of Government subscription or interest on that portion if he exits before
maturity.
e-Circular Sl. No. : 257/2016 - 17 Circular No. : RABG/RB-MCFI-MCFI/4/2016 - 17 dtd 24/05/2016

e-gyan by SBLC, Masulipatnam, September, 2016 Page 30

 SBLC MASULIPATNAM TEAM

SITTING ROW L TO R: 1. SMT B SAVITHRI (CHIEF MANAGER TRAINING) 2. SRI R KRISHNA MURTHY (ASSISTANT GENERAL MANAGER TRAINING)
3. SMT S ARUN JYOTHI (CHIEF MANAGER TRAINING)
STANDING ROW L TO R: 1. SRI K GIRIDHAR REDDY (MANAGER TRAINING) 2. SRI. R PRABHAKAR RAO (CHIEF MANAGER TRAINING)
3. SRI A S R K K SARMA (MANAGER TRAINING) 4. SRI P PADMA BABU GOUD (CHIEF MANAGER TRAINING)

e-gyan by SBLC, Masulipatnam, September, 2016 Page 31