32nd Issue E-Gyan April, 2016

STATE BANK LEARNING CENTER MASULIPATNAM
E-GYAN
STATE BANK LEARNING CENTER MASULIPATNAM
STATE BANK LEARNING CENTER

MASULIPATNAM
E-GYAN, PART-32
APRIL-2016
FOREWORD
A father and a daughter went to a temple. Suddenly, daughter shouted after seeing the
pillars of lions at the entrance of the temple. "Run Dad, or those lions will eat us."
Dad consoled her saying "they are just statues and wont harm us."
Daughter replied if those lion statues wont harm us then how could statues of God give
us blessings."
The father wrote in his diary...
"I am still speechless on my child's response and have started searching for God in
humans instead of statues. I didn't find God but I found humanity!
So lets do our best to people who are around us.
Our small contribution to the SBI community in the direction of creating awareness is the
current release of e-GYAN for April, 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, Asst General Manager (HR)
Shri.V Suresh Babu and Chief Manager (L&D) Shri. K Muralidhar, which resulted in
coming out with the e-editions.
D.SYAM PRASAD
ASSISTANT GENERAL MANAGER
STATE BANK LEARNING CENTRE
MASULIPATNAM
e-gyan by SBLC, Masulipatnam, April, 2016 Page 2

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

From To
1 Love Yourself Love Your D Syam Prasad 4 10
Planet
2 Revised Procedure of Form 15G B Savithri 11 17

/ 15H Submission
3 Inclusion of Mutual Funds Under P Padma Babu Goud 18 19

Deposits Target
4 Process Flow Handout for SMS R Prabhakara Rao 20 22

Complaint Management
5 Rationalisation of Registers S Arun Jyoti 23 30

Being Maintained at Branches /
CPCs
6 Non-Home Transactions ASRKK Sarma 31 33
7 Marginal Cost of Funds Based K Giridhar Reddy 34 38

Lending Rate (MCLR)
8 Important KHL queries answered SBLC Team 39 46

by SBLC Masulipatnam

LOVE YOURSELF LOVE YOUR PLANET
Compiled by Sri. D Syam Prasad, AGM
Global warming is happening now
The planets temperature is rising. The trend is clear and unmistakable. Every
one of the past 37 years has been warmer than the 20th century average. The
12 warmest years on record have occurred since 1998. Globally, the average
surface temperature has increased more than one degree Fahrenheit since the
late 1800s, the maximum increase occurred over just the past three decades.
We are the cause
We are overloading our atmosphere with carbon dioxide, which traps heat and
steadily drives up the planets temperature. Where does all this carbon come
from? The fossil fuels we burn for energy ... coal, natural gas, and oil ... plus the
loss of forests due to deforestation, especially in the tropics.
The scientific evidence is clear
Within the scientific community, there is no debate. An overwhelming majority of

climate scientists agree that global warming is happening and that human
activity is its primary cause. This broad consensus and the extensive scientific
evidence that supports it, is often downplayed or distorted by a small but vocal
minority of special interests that have a vested interest in delaying action on
climate change.
We have a choice
We can act now to reduce our carbon emissions, slow the pace of global
warming, and pass on a safer, healthier world to our children. Or we can choose
to do nothing, continue pumping massive amounts of carbon into an already
overloaded atmosphere, and suffer the increasingly costly consequences.
We must take steps at once to reduce our global warming emissions. Lets do it
today. Before its too late. Here are some ways to start now.
1. Reuse plastic products
Steer clear of things like disposable plastic cups, plastic bags, and any item you
dont need. It never breaks down, and damages aquatic life. Look into ways that
plastic can be recycled in your area.

2. Plant trees in your balcony or terrace
They absorb carbon dioxide. If you cant plant one, try potted plants. Trees
located near your home can also help keep your home cooler in summer.
3. Unplug idle electronic appliances
Leaving devices plugged in, such as laptop chargers or toasters can consume a
lot of energy. Even when an appliance is turned off, it may still use power. Try
unplugging whenever possible.
4. Choose matchsticks over lighters
Most lighters are made of plastic and filled with butane fuel, both petroleum
products. Since most lighters are considered disposable, over 1.5 billion end up
in landfills each year. Matchsticks cost less and are biodegradable.
5. Pay bills online
If all households paid their bills online and received electronic statements
instead of paper, wed save trees, reduce Carbon-di-oxide and other
greenhouse gases.
6. Dont use pesticides, herbicides, or chemicals
Pesticides entering a water-body can cause oxygen levels to drop, killing aquatic
life and posing risks to other species. Consuming such water leads to health
problems.
7. Use traps instead of poison
Instead of rat poisons and insect killers use traps to kill them. Using poison to kill
pests creates a ripple effect on other animals that come in contact with the dead
pest. It spreads the poison and poses a threat to health.
8. Use rechargeable batteries
Batteries contain heavy metals like mercury and cadmium, which are a major
source of contamination in dump sites. They break apart and are released into
the soil or are incinerated and the deadly heavy metals are released into the air.
Use batteries that are rechargeable. That will save you 10 or 20 times the
original cost by not having to buy batteries over and over again.

9. Avoid products with lots of packaging
Look for items that have minimum packaging. Theyll probably cost less anyway.
This includes individually wrapped candy. Select fresh products from the display
bins instead of pre-packaged ones. The more the packaging, the higher the
price, and more importantly, the more garbage lands up in our landfills.
10. Buy products that are recycled
The products you buy, make sure it says 'recycled'. By purchasing these
products you are helping to conserve natural resources and protecting our earth.
Always look for 'made from recycled waste or post-consumer waste.'
11. Shop for durable, long-lasting products
For example, use a metal razor instead of disposables, or a metal roasting pan
instead of a disposable one. Use items that can be repaired and are produced to
last a long time. It will save you a lot of money.
12. Avoid domestic cleaners
Avoid using domestic cleaners, as they lead to larger chemical wastes. Try
easier alternatives like baking soda, a little bit of water and scouring pads.
13. Sell old newspapers
They may be used for making packaging materials. Also, you make a little bit of
extra money.
14. Use cloth serviettes instead of paper napkins
Using paper means cutting down trees. Avoid it as far as possible.
15. Replace light bulbs with CFL or LED
CFL or LED last longer than conventional light bulbs, and they use only one
quarter of the energy. They help reduce electricity bills too.
16. Switch off anything that uses electricity
If youre not using it, turn it off. This goes for lights, televisions, computers,
printers, and so on. This will save your electricity bill as well as reduce wastage.

17. Reduce usage of AC
Air conditioners use a great deal of electricity. Try and use natural ventilation or
a fan to keep cool. If you do use your AC, set it to a slightly lower temperature
than it is outside. Setting your AC just 2 degrees higher in summer could save
about 2,000 pounds of carbon dioxide each year.
18. Wash with cold water
Do not use warm water for washing clothes. Detergents are efficient enough to
get your clothes clean at low temperatures. Heating up water requires energy.
19. Air dry clothes
You save 700 pounds of Carbon-di-oxide when you air dry your clothes for 6
months in a year. Avoiding washing machine can help you save on your
electricity bills.
20. Do not leave appliances on standby
Use the ON/OFF function on the machine. A TV set kept on standby uses 40%
of the energy.
21. Use cloth bags for shopping
Cloth bags are reusable. That way you can avoid buying plastic bags, which are
non-recyclable.
22. Turn off your computer everyday
Turning off computers at night curbs energy wastage and saves electricity bills.
23. Keep windows and doors open for air circulation/ ventilation
Use natural resources to stay fit and save energy.
24. Avoid using lights during day
Natural daylight is way brighter than artificial lights. Make the most of it and save
on your electricity bill.
25. Set your refrigerator temperature right
Set it at a level that will maintain freshness without sacrificing energy. This also
reduces electricity consumption.

26. Use a microwave whenever you can
Instead of a conventional stove, it cooks food efficiently, saves gas/fuel and your
time.
27. Utilise your washing machine to capacity
Run your washing machine only when it is completely full. You will save water
as well as electricity.
28. Dont use electric/electronic exercise machines
Instead of expensive electrically driven exercise equipment, use a bicycle or

walk.
29. Clean your fridge
Refrigerators use a tremendous amount of energy every year. To cut down on

waste, clean the condenser coils every year. Also, do not keep the temperature
unnecessarily low. This reduces electricity consumption.
30. Purchase energy efficient electronic appliances
Products with Energy Star labels reduce consumption of electricity, save money
and the environment.
31. Cover pots while cooking
Save precious LPG and cook food faster.
32. Use pressure cookers as much as possible
Cooks food faster and conserve LPG.
33. Consume less red meat
Cutting back on red meat could decrease the number of cases of chronic
disease and make the carbon footprint nearly 28 million tons smaller per year by
decreasing methane emission.
34. Buy fresh foods instead of frozen
Frozen food uses 10 times more energy for being preserved and stored. A
recent study by an international campaigning organisation claims that
greenhouse gases used in large freezers and fridges by supermarkets are as
harmful to the environment as plastic bags.

35. Reduce wastage of food
Wasting food means wasting reserves. Don't waste precious food and help save
global resources.
36. Use reusable containers, plates and utensils instead of disposable ones
They reduce cost in the longer run as well as reduce disposal.
37. Use a tea kettle instead of a pan to heat water
Kettles are more efficient than pans for boiling water. Scale electric kettles
regularly ... scale buildup results in consuming more energy to boil the same
quantity of water.
38. Match the size of your cooking utensil to the burner
The bottom of a pan should completely cover a burner or heating element but
not extend more than an inch beyond it. Avoid using a larger cooking area for a
small saucepan. If you have dual rings, use the inner ring whenever possible.
Save gas.
39. Buy organically grown food
Organic fertilizers are easily biodegradable and do not cause environmental

pollution. Organically grown foods are foods that were grown without using
chemical fertilizer, pesticides or herbicides. Theyre better for you and the earth
because you're not consuming the chemicals, and the soil and water are devoid
of them as well.
40. Stop leakage of water
If your faucets drip, get them fixed, or at least put a container under the drip in
the meantime and use the water. If youre brushing your teeth, turn off the faucet
between rinses. Save water.
41. Use recycled paper in your home office and printer
By using and discarding less paper, you are conserving resources, reducing
deforestation and energy use, preventing pollution, and ultimately reducing your
stationery expenditure.
42. Avoid preheating ovens
Modern ovens, particularly those with fans need no preheating. Thus, you save
energy.

43. Use silverware and dishes instead of plastic and paper
Not only will you help our earth, youll save money as well. This is a great way to
cut down on extra garbage.
44. Shut off electrical equipment in the evening when you leave work
It saves energy. Reduces power bills.
45. Reuse items like envelopes, folders and paper clips
Reduce unnecessary usage of stationery. Reuse to save resources.
46. Avail public transport
This saves gas and curbs Carbon-di-oxide emissions. It also reduces your fuel
consumption and purchase.
47. Check your car tyre pressure
Proper inflation can improve mileage by more than 3%. This will help you curb
fuel wastage and save money.
48. Start a carpool with your colleagues or classmates
Share a ride with someone. Reduce carbon dioxide emission and reduce fuel
consumption costs.
49. Turn off car ignition at traffic signals
You can reduce Carbon-di-oxide emissions by readjusting your driving style.

Choose proper gears, do not abuse the gas pedal, use the engine brake instead
of the pedal brake when possible and turn off your engine when your vehicle is
motionless for more than one minute. By readjusting your driving style you can
save money on both fuel and car maintenance.
50. Ride bicycle to close destinations
Avoiding just 10 miles of driving every week would eliminate about 500 pounds
of Carbon-di-oxide emissions a year. It helps you stay fit as well.
Source: Banking News
*********

REVISED PROCEDURE OF FORM15G / 15H SUBMISSION
Compiled by Smt. B Savithri, Manager (Training)
Introduction
Submission of Form 15G / 15H has changed in CBS due to introduction of Unique
Identification Number (UIN) which needs to be reconciled with CBDT after filing quarterly
statements. The form submitted by the customer has to be entered in CBS and online format
generated through CBS has to be signed by the customer and then the TDS details are to be
fed into the system, which is to be authorized by an officer for generation of UIN. The UIN
has to be quoted in the acknowledgement given to the customer as proof of submission of
Form 15G / 15H.
Let us understand the new screens introduced for the purpose.
Generate Form 15G
Menu navigation for generation of Form 15G:

15
Tax Deducted at Source>Generate Form 15G/15H
Enter TDR A/c No. of the customer and choose Form Type by clicking appropriate form.
Then enter the PF Index of Branch Manager and click Fetch. Name gets displayed in next
field. Enter PAN of BM and click Validate PAN. After verification of PAN, enter estimated total
income of the customer for the current financial
f year (Max. Rs.2,50,000/
0,000/-)& Transmit.
e-gyan
gyan by SBLC, Masulipatnam, April, 2016 Page 11
In case of Form15H, Max. Rs.3,00,000/
Rs.3,00,000/- can be taken as estimated total
t income of the F.Y.
The next screen opens wherein Part 1 details of the customer has to be filled.
Enter
prev A.Y.
Enter prev
Enter No. of Form 15G of prev yr income
yr
In the above screen, select Yes if the customer has submitted Form 15G in the previous
year or else select No. If Yes is selected, you need to enter the total No. of Form 15G filed
in the previous year which depends on the number of TDR accounts held by the customer in
previous year. Also enter the aggregate income as stated in Form 15G previous year (Max.
Rs.2,50,000/-).. Now proceed to view Part1 continuation screen.
e-gyan
Click on Part 2 of the screen now and enter the date of receipt of declaration from the
customer
Date of submission of Form 15G
Now click on Generate PDF
Click on
Generate PDF
e-gyan
The PDF format of Form 15G is saved in reports with customers PAN followed by Form 15G
sequence number as filename. Take print of the form and get it signed by the customer. This
form has to be preserved for 7 years by the branch for audit purpose. This form
f consists of all
the TDRs existing under the same CIF as on the date of submission though only one TDR
account number is entered during Generate Form 15G / 15H.
Customer signs a duly

filled in Form 15G
e-gyan
Next, we proceed for entering TDS details.
deta Menu navigation:
Tax Deducted at Source>TDS Details.

Details Enter details and Transmit.
Select Account and Create Action

& enter TDR A/c No.
Enter current F.Y. Select Form 15G

Details option
Next screen appears where PAN of customer and Form Reference No. is to be entered. The
Form Reference No. is a 10 alphanumeric value starting with G followed by running
sequence No.
Enter PAN and

click Validate PAN
Enter Form
Ref No.
e-gyan
After verifying PAN, click OK to proceed. Enter the rest of the details as appropriate and
Transmit. The same screen is used for entering Exemption/ Concession Certificate.
Enter Exemption /
Concession Certificate
or DTAA Concession
In previouss screen, Option to be selected as Exemption Certificate Details and ensure that
CIF contains the PAN and TAN of the customer and then enter the details as above.
After Transmit, queue is generated which has to be approved by an officer. On approval of

the queue, UIN is generated which is noted on the Form 15G and a copy is to be given to the
customer as acknowledgement. On clicking OK, print of the UIN is also taken.
taken
UIN is a Unique Identification Number of 26 alphanumeric value comprising of 10 digit Form

For
15G certificate No. entered by us in TDS Details screen, followed by financial year and TAN
of the TDS deductor branch.
e-gyan
The acknowledgement generated after approving queue is printed and given to customer-
customer
This UIN is mentioned in quarterly statement of the branch and filed digitally with CBDT and
reconciled regularly. The physical form has to be preserved in the branch itself and copy of
the same neednot be sent to IT Dept henceforth.
*********
e-gyan
INCLUSION OF MUTUAL FUNDS UNDER DEPOSITS TARGET
Compiled by Sri. P.Padma Babu Goud, Manager (Trg)
In order to offer a wide range of investment products to SBIs esteemed customers, Bank
has entered into a tie up with the following Mutual Funds for distribution of their
products:
(i) SBI Mutual Fund

(ii) Tata Mutual Fund
(iii) Franklin Templeton Mutual Fund
(iv) UTI Mutual Fund
(v) L&T Mutual Fund
(vi) ICICI Mutual Fund
2. It has been observed that due to falling interest rates on Bank deposits, there has been
diversion of deposits by some of the SBI customers, particularly by the younger
generation, to outside the banking channel, for investment in Mutual Funds, Equities,
Bonds etc, which offer tax free returns.
3. In order to meet the competition and retain the customers, it is necessary for SBI to offer
to its customers, a wide range of financial products viz., Life Insurance, General
Insurance, Mutual Funds, Credit Cards, Demat Accounts etc besides its own products.
While SBI Branches have been offering Insurance and other financial products, there is
reluctance on the part of some of its branches in offering / marketing Mutual Fund
products, despite good demand from the customers, apprehending diversion of deposits,
resulting in non-achievement of deposit targets.
4. It has, therefore, been decided by the Bank to treat mobilization of funds under various
mutual fund schemes of Asset Management Companies, with whom the Bank has tied up,
except Liquid Funds, as deposits for purpose of computation of Deposits target of the
Branches. Accordingly the aggregate amount of deposits and mobilisation during the
year under various mutual fund schemes, except Liquid Funds, will be considered for
purpose of achievement of deposits target of the Branch.

5. For the purpose of computation of Deposit growth / budget, the weightage assigned to
the Mutual Funds is as under:
(a) SBI Mutual Fund : 100%

(b) Other MFs with whom the Bank has tied up : 50%
The above proposal is effective from 01.01.2016.
6. As at present, there is no provision in CBS to capture the business sourced for Mutual
Fund Schemes. The matter has been taken up with GITC for development / modification of
systems to capture the cross selling business. Till such time, the Branch wise data
collected from the respective AMCs will be uploaded in MCS department web site in the
SBI Times and provided to GITC for integration with the P Report data of the Branches.
Source: e-Circular Sl no. 1265/2015-16 NBG/PBU/MCS-MCS/55/2015-16 Dt.12.01.2016
********

PROCESS FLOW HANDOUT FOR SMS COMPLAINT MANAGEMENT
Compiled by Sri. R Prabhakara Rao, Manager (Training)
Presently, transaction related SMS alerts are being sent to customers for:
i. CBS transactions(As per transaction threshold limits)

ii. All ATM transactions.
iii. OTP for all Card not Present (CNP) transactions done online by using Debit card.
iv. All INB transactions.
v. OTP for INB transactions as per High Security options chosen by the customers.
Customers Mobile number used for sending these SMS alerts:
Type of transactions Mobile database

i. CBS Mobile no. available in CBS (CIF Level)
ii. ATM txns
iii. OTP for CNP txns.
i. INB transactions For sending alerts, Mobile no. available in CBS is
ii. OTP for INB taken initially at the time of giving INB facility to the
transactions customers, which can be modified subsequently by
customers in INB server for receiving INB alerts
and OTP. Consequently, mobile no. for INB
transaction alerts can be different from mobile
number available in CBS.
Root causes of complaints regarding non-receipt of SMS alerts are related to:
i. Registration: Non-registration of Mobile number in CBS.
ii. Settings: Wrong SMS settings in CBS and incorrect threshold values.
iii. Delivery: Non-delivery of SMS alerts due to network and other technical issues
despite generation.
To address the above mentioned issues, Branches can take following steps whenever
customers complain about non-receipt of SMS alerts:
Step 1: Use SMS Verification in Complaint Management System (CMS)
Go to SMS Verification functionality in CMS and enter customer account no. to fetch CBS
registered Mobile number.

Step 2: Feed Mobile number in CBS
In case, Mobile number in the CMS screen is incorrect or not shown, then branch can select
No for SMS delivered and click on Download Form. Branch will be able to download an
application form with auto-updated customer details. Branch needs to obtain new mobile
number and signature of the customer for updating the same in CBS.
Thereafter, branch needs to update correct mobile in CBS by going to:
Customer Management >Amend >Customer Details and feed correct mobile number at the
Mobile No. field (SCR: 067050).
Step 3: Send Test SMS
If mobile number fetched in SMS Verification in CMS is correct then click on Click for
sending test SMS. Test SMS containing text This is a Test SMS from SBI. Have a nice
Day! will be received by customer. Sending Test SMS to customer across the counter is to
convince him/her about the proper functioning of SMS facility.
Step 4: Fetch SMS alerts
Branches will be able to fetch details of SMS alerts sent for CBS, ATM, POS& Payment
Gateway related transactions in customer account during last 30 days by clicking on CBS
and ATM/POS/PG menu respectively in SMS Verification screen in CMS and can provide
the same to customers.
STEP 5: Enable SMS Flag as Y: Yes & Setting of limits

(Pl. note that irrespective of flag status or limit in CBS, SMS will be sent to customers for all
ATM & INB related transactions as per RBI directive)
If branch finds that no SMS alerts have been generated then branch needs to verify:
Correctness of SMS flag in CBS by going to
Deposit CC/OD Accounts & Services >Amend >Amend Deposit Tabbed Screen
>Miscellaneous option; make SMS Flag required Yes and Transmit. It will generate a queue
and authorize it.
Setting of Limits by going to
Deposit CC/OD Accounts & Services >Amend >Deposit CC/OD Account, Select S:SMS
Details from drop down options and Transmit (SCR:007004). Give Credit threshold, Debit
threshold and Threshold balance limit as 5000, 5000, 1000000 respectively and Transmit.

Step 6: Send e-mail
In case, there is still a problem despite having registered correct mobile number in CBS with
correct settings and SMS was not generated at all for some of the transactions or customers
are complaining about non-receipt of SMS alerts despite showing them details of SMS alerts
generation in CMS, please take up the matter with GITC through following email-id/Service
Desk to enable GITC to take up the matter with concerned vendors. This feedback will be
used to do Root Cause Analysis and obviate such instances.
1. sms.asc@sbi.co.in if it relates to non-receipt of SMS alerts for ATM transactions.
2. epg.support@sbi.co.in if it relates to non-receipt of OTP on account of online debit card

transactions.
3. cmit.inbdev@sbi.co.in if it relates to non-receipt of SMS alerts for INB txns.
4. Service Desk if it relates to non-receipt of SMS alerts for CBS transactions.
SMS RELATED ISSUES OF NRI CUSTOMERS
If customer having NRE/ NRO account is not receiving OTP for online debit card txns.
or SMS alerts for CBS txns. on his international mobile number
Resolution: Branch should check the mobile number and country code in CBS. If country
code or mobile number is incorrect or not available, then it needs to be rectified in CBS
through Customer Management Amend Option 1: Customer Details (SCR:007004).
If details are correct, temporary address, if any created, should be deleted/amended through
Customer Management Amend Option 2: Temp Customer Address Details, where
temporary address can be deleted or expiry date can be preponed.
If customer wants OTP on his Indian mobile number
Resolution: Temporary address should be created through Customer Management

Amend Option 2: Temp Customer Address Details. Indian mobile number should be added
to this screen along with other details and temporary address should be activated with future
expiry date.
******

RATIONALISATION OF REGISTERS BEING MAINTAINED AT
BRANCHES / CPCs
Compiled by: Smt S Arun Jyoti, Manager (Training)
As a part of centralization / outsourcing of stationery management a committee was

constituted for rationalization and standardization of stationery items including various
registers to be maintained at branches and CPCs. Accordingly based on the
recommendations of the committee, a total of 193 registers have been identified, 72 register
to be maintained by branches (both BPR and Non-BPR) and 121 registers to be maintained
by CPCs. The list of registers is enclosed hereunder:
LIST OF REGISTERS TO BE MAINTAINED BY THE BRANCHES/ CPCs FOR AUDIT

PURPOSE
Sl i-STAMS Name of the Register Branch CPC

No item Code
Branch Dossier Register To be Not
1 204999074
maintained Applicable
Visit Book To be To be
2 200999083
maintained maintained
Customer Call Register To be Not
3 200999020 Applicable
maintained
Complaint Register To be Not
maintained
Police Beat Register To be Not
maintained
Fraud Register To be To be
6 211999021
Pass Book Issued Register To be Not
maintained
Welcome Kit Issued Register To be Not
maintained
INB Kit Issued Register To be Not
maintained
Cheque Referred & Returned To be To be
10 200999013
Register maintained maintained
TDS Register To be Not
11 205999106

Nomination Register To be To be
12 200199001
maintained Maintained
13 200999034 Mail Register/ Mail Undelivered To be To be

Postage/Courier Register To be To be
14 200999067
ATM Pin Mailer Issued Register To be Not
maintained
ATM Cards Received From LCPC To be Not
16 200502001 & also ATM Cards Destroyed maintained Applicable
Register
Late Attendance Register To be To be
17 200399006
Officiating Allowance Register To be To be
18 200399009
Overtime Register To be To be
19 202301002
Office Order Issued Register To be To be
20 203999016
Bonus Register To be To be
21 200399003
Subordinate Clothing/Staff Uniform To be To be
22 200399011
Concessions Register For Misc. To be Not
concessions to customers. maintained
Locker Applications Received To be Not
Register maintained
Locker Access Register To be Not
maintained
Locker Key Register To be Not
maintained
Securities Ledger To be To be
27 200201017 maintained maintained
Securities Register To be To be
28 200201018 maintained maintained
Safe Custody Ledger To be Not
29 200999077 maintained Applicable
Safe Custody Register To be Not
maintained

Branch Key Register To be Not
maintained
Branch Document Register To be To be
32 200999006
AMC Register To be To be
33 200999055
Maintained maintained
34 200999084 Stamp Register To be Not

Unclaimed IOI/BC Register To be To be
35 202999036
IOI Cancelled And To be To be
36 200999027
Destroyed Register maintained maintained
Missing Voucher Register To be To be
37 200999059
Cheque Book Issued By LCPC but To be Not
Returned Undelivered Register & maintained
also Cheque Book issued Register
Vault Register To be Not
maintained
Branch Cash Balance Book To be Not
maintained
Intra Day Cash Verification To be Not
Register maintained
High Value Transactions Register To be Not
maintained
Cash Found Excess/Short To be Not
Register maintained
Remittance Received/Sent To be Not
Register maintained
Petty Charges Account Register To be Not
(Petty Cash Register) maintained
Safe Custody Article Register To be Not
maintained
Mutilated Notes Exchange To be Not
Register maintained
Forged Notes Detection/ To be Not
Impounding Register maintained

Cash Receipt &Delivery Register To be Not
maintained
ATM Cash Replenishment To be Not
Register maintained
Excess/Short Cash in ATM To be Not
Register maintained
ATM Cash/Physical Cash Balance To be Not
Register maintained
Loan Application Received & To be Not
Disposal Register maintained
Inspection Register To be To be
54 206200001
55 200202003 Document Execution Register ( To be To be

For Cash Credit & Term Loan) maintained maintained
Title Deed Register To be To be
56 200299028
Equitable Mortgage Register To be To be
57 206299010
Suit Filed Register To be To be
58 200299027
59 200200008 DCB Register To be Not
Post Dated Cheque Register To be To be
60 204201058
Compromise /OTS Register To be Not
61 202299001
Record Register To be To be
62 200999073
Record Requisition Register To be To be
63 206999004
Old Record Destruction Register To be To be
64 211999024
Local Purchase/ Printing of To be To be
65 200999051
Stationery Register maintained maintained
System Room Access Register To be To be
66 200500010
Computer Hardware Access To be To be
67 200500001

To be Not
maintained by Applicable
68 200104003 Foreign Currency Notes Sale/ branches
Purchase Register dealing in
forex business
To be Not
69 202104001 Foreign Currency Stock Register branches
dealing in
forex business
To be Not
70 203902002 VishwaYatra Card Issued Register branches
dealing in
forex business
To be Not
71 202204001 G R Form Register maintained by Applicable
branches
dealing in
forex business
To be Not
Pre Shipment/Post Shipment maintained by Applicable
72 203299007 Finance Register branches
dealing in
forex business
LIST OF THE REGISTERS TO BE MAINTAINED BYBRANCHES/CPCs AS PER THEIR

REQUIREMENT
Sl i-STAMS Name of the Register

No Item Code
1 200101003 Deceased Constituent Assets-Claims Register
2 200104001 Encashment Of Rupee Drawing (NRE) Register
3 200104004 Foreign Currency Payment Order Register
4 200200001 Inspection Register. (Common Inspection Register)
5 200201004 Gold Loan Ledger
6 200201005 Interest Realised On Securities Register
7 200201007 Miscellaneous Security Register

8 200201008 Pending Specified Securities Register
9 200201009 RACPC Advocates Fees Cheques Received Register
10 200201011 RACPC Documents Received Register
11 200201012 RACPC I T R Verification Charges Received Register
12 200201013 RACPC Log Book/Visit Book -RMPB-
13 200201014 RACPC P D C Record Register
14 200201015 RACPC Register Of High Net worth Individuals
15 200202008 SMECC Account Maintenance Register
16 200202009 SMECC Advocate Fee Collection Account Register
17 200202010 SMECC AMO Register
18 200202011 SMECC Branch Managers Discretionary Power Register
19 SMECC Commission Received From Insurance Company
200202012
Register
20 SMECC Documents Execution Against Cheques Under
200202013
Collection Register
21 200202014 SMECC Equitable Mortgage Register
22 200202015 SMECC Monthly List Of PDCs To Be Lodged Register
23 SMECC Processing / Upfront Fee/Mortgage Charges Cheques
200202016
Received Record Register
24 200202017 SMECC Processing Fee / Upfront Fee Recovered Register
25 200202018 SMECC Review Register
26 200202019 SMECC ROC/Search Report Fee Collection Account Register
27 200202020 SMECC Stamp Duty Charges Collection Account Register
28 200202021 SMECC Stamp Franking Account Register
29 200202022 SMECC Subsidy Receivable For PMRY/SJSRY/SCP Register
30 200202023 SMECC Title Search Valuation Control Register
31 200202024 SMECC Tracking Sheet Register
32 200202025 SMECC Valuers Fee Collection Account Register
33 200204006 Duty Drawback Register
34 200204013 Register for Retirement Of Documents (at Applicants Link Office)
35 200204019 TFCPC Buyers Credit Register
36 200204021 TFCPC SWIFT Messages Received Register
37 200204022 TFCPC SWIFT Outgoing Messages Register
38 200299001 Bad Debt Written Off/Compromise Proposal Register
39 200299010 Lead Bank Returns Backup Register
40 200299012 Liability Register For Deferred Payment Guarantees H/E
41 200299022 Non-Performing Asset Register
42 200299023 Power Of Attorney Register
43 200399002 Attendance Register
44 200499002 CAC ATM Cash Balance Verification Register
45 200499003 CAC ATM Cash Replenishment Register
46 200499004 CAC Escort Cum Log Book
47 200499013 Currency Chest Book -T.E.1-
48 200499014 Defective Notes Register
49 200499017 Small Coin Depot Book
50 200500009 Storage Media Record Register

51 200502003 ATM Cash Back Up Register
52 200502004 ATM Debits-Claim Register
53 200502005 ATM Maintenance Register
54 200502006 ATM Movement Register
55 200599001 GLIF Entry Reconciliation Register
56 200900008 Government Account Cheque Register
57 200900015 Register For Recording Corrections-SGL
58 200901004 CCPC Outward Cheques Received Register
59 200901005 CCPC Outward Clearing Returns Register
60 200901006 Clearing House Register
61 200999008 Branch Security Information Register
62 200999011 Charges Account Register Backup/Details
63 200999015 Complaint Book
64 Cost Reduction Register-Control Register For Interest Paid On
200999019
Delayed CT/Associate Bank Txn/ Govt.Txn/ RBI Txn
65 Customer Contact Register For Business Facilitator For
200999021
Advances
66 200999022 Customer Contact Register For Business Facilitator For Deposits
67 200999024 Daily Transaction Register For Business Facilitator/ Coordinator
68 200999036 L.S.C. Register
69 200999037 L.S.C. Cheques Register
70 200999039 LCPC Applications Received From Branches Register
71 200999040 LCPC Daily Output Reporting Register
72 200999043 LCPC Extraction Reports Delivery Register
73 200999044 LCPC Inward Outward Maintenance Register
74 200999046 LCPC Returned Articles Register
75 200999048 LCPC Welcome Kit Creation And Despatch Register
76 200999049 LCPC Base Stationery Inventory Control Register
77 200999050 Local Collection Register
78 200999054 Lockers Nomination Register
79 200999056 Memo Book 100 Pages.
80 200999057 Memo Book 200 Pages
81 200999062 Obsolete Security Forms Register
82 200999063 OL/SL/RMSL Received / Replied Register
83 200999065 Peon Book/Local Delivery Book
84 200999070 RBI Remittance Encashed Register
85 200999074 Registered Letter Despatch Register
86 200999076 Safe Custody Articles Nomination Register
87 200999079 Safe Deposit Articles Nomination Register
88 200999080 Safe Deposit Register
89 200999082 Security Forms Received at Branch Register
90 201499001 Cash Box Receipt Delivery Register
91 202999032 Control Register
92 203101008 Green Remit Card Register
93 203299003 Inspection Jotting Book.
94 203499002 Inter Branch Cash Handling Register

95 205299032 Subsidy Claimed/Received Register
96 Record Of Advances Proposals Received from Branches at
205299034
Controlling Office
97 205299035 Term Loan Register
98 206499004 Cash Transaction Register (Outreach)
99 206999002 Drop Box / GrahakMitra Register
100 206999029 Suggestion-Cum-Complaint Register (Outreach)
101 207201002 RACPC Sanction/Control Register
102 207201003 RACPC Personal Segment Document Verification Register
103 207201004 RACPC Appointment List Book
104 207201005 RACPC File Movement Register
105 207499004 Strong Room Access Register
106 207499005 Chest Verification Register
107 207900005 State Government Transaction / Currency Transaction Register
108 208499004 Deposit Withdrawal From Currency Chest Register
109 209299014 Register 9-Certificate Cases Register
110 209399002 Control Register For Disciplinary Cases
111 209999004 Equal Remuneration Register.
112 211200001 AGL Advance Control Return-1
113 211200002 AGL Advance Control Return-2
114 211299012 SHG Linkage Back Up Register
115 212299003 Risk Register
116 213200003 Tour Diary For Field Officers
117 213399002 Subsidiary Book To Bonus Register
118 213399003 Statement of Advances (Staff).
119 213999010 Motor Vehicle Log Book
120 213999021 Weapons Handing/Taking Over Register
121 207999004 O.L.PAD 100 sets each (R.O.)
e-Circular Sl no. 1325/2015-16 NBG/S&P-SP/1/2015-16 Dt.30.01.2016
******

NON - HOME TRANSACTIONS
Compiled by Sri. ASRKK Sarma, Manager (Training)
With adoption of technological initiative of Core Banking Solution(CBS) and its aggressive roll
out in all the branches the Customers at CBS branches had been changed from Branch
Customers to Bank Customers. To empower the Customer with this technological
evolution in our system, number of value added facilities were extended initially to the
existing P-segment, Savings Bank and Current account, holders under CORE POWER. This
was the first attempt to popularize Anywhere Banking concept among our customers after
migration of branches to CBS platform. Later on, the facility has been extended to customers
of SME segment also.
2. Home branch is the branch where the Customer maintains his/her account(s). The
Banking facilities available to Customers at branches other than home branch are called non-
home branches.
3. The facilities available at Non-Home branches are:
Transfer of funds from one account to another internal accounts.
Cash Deposit
Same day credit through cheque as per ceiling mentioned on the cheque.
Issuance of IOI.
4. Admissible transactions:
Cash Deposit : P SEGMENT CASH DEPOSIT Max. 25000/- per day.
SME SEGMENT Rs.2,00,000/- per day.
Cash Withdrawal : P Segment Rs.50,000/- for self.
SME segment Rs.1,00,000/- for self.
No Cash payment to third parties.
No cash payment of CAG/MCG/CMP cheques.

5. Passbook Updation:
Facility of Savings bank pass -book up-dation at all non-home branches without any
charge except Personal Banking Branches (PBBs), Specialised Personal Banking
Branches (SPBBs), Corporate Account Group (CAG), Mid Corporate Group (MCG)
and NRI branches throughout the country.
(Refer e-circular no. NBG/BOD-SC/13/2011-12 dated 02.07.2011 Sl. No. 258/2011-12).
6. Transfer:
The restrictions are not applicable to Multi City Cheques ( MCC) which will be paid as
per the ceiling prescribed for different segments. However, as system does not validate
the ceilings prescribed for Multi City Cheques, these have to be monitored and
controlled administratively by the branches.
All RTGS transactions will be restricted to home branches only. All RTGS will be
backed by cheque only. There will be no debit on the basis of debit voucher. RTGS
remittances on behalf of other banks from their accounts maintained with us in capacity
of clearing house settlements will be allowed with debit vouchers. In such
circumstances all inter-bank RTGS transactions are enabled to be processed through
R42 RTGS transactions module.
7. Service Charges:
P Segment Cash Deposit Max. Rs.25000/- Rs.2/- + ST per Rs.1000/- Min Rs.50/- +
per day ST
SME Segment Cash Deposit Max . Rs.2.50/- + ST Rs.1000/-
Rs.2,00,000/- per day Min Rs.50/- + ST
P Segment cash withdrawal (self only) Free
Max. Rs.50,000/- per day
SME Segment Cash Withdrawal ( self Up to Rs.50,000/- Free
only) Max.Rs.1,00,000/- per day Above Rs.50000/- and upto Rs.1,00,000/-
Rs.2.50/- + ST per Rs.1000/-
Min Rs.50/- + ST per transactions.
8. Precautions at Non-home branches:
i.The branch should take upmost precaution while putting through non-home
transactions.
ii.The signature of the drawers must be carefully verified with the recorded
signatures.
iii.High value cheques should be verified through ultra violet lamps invariably.

iv. All the features of the instruments must be verified carefully before payment,
including the paper quality and SBI Water Mark.
v. The testing of fugitive ink must be carried out for payment of cheques for value of
Rs.25000/- and above as per instructions contained in e-circular no.
NBG/S&PSP/21/2009-10 dated 19.12.2009
vi.Tele-calling and getting confirmation from the drawer for suspicious cheques and all
non-home cheques of Rs.2.00 lacs above. Circles may, however, fix a lower threshold
limit depending upon the intensity of frauds and manpower availability for Tele-calling.
Important E-circulars:
MASTER CIRCULAR Sl.No: 90/2016-17 dated 22.04.2016
References:
i) NBG/S&P-SP/16/20110-11 (SL.NO.522/2010-11) Dated 01.10.2010.
ii) NBG/BOD-GB/34/2012-13 (SL.NO.274/2012-13) Dated 20.06.2012.
iii) NBG/BOD-GB/95/2013-14 (SL.NO.1215/2013-14) Dated 06.02.2014.
iv) NBG/BOD-SC/13/2011-12 (SL.NO.258/2011-12) Dated 02.07.2011.
v) NBG/BOD-FMC/21/2015-16 (SL.NO.376/2015-16) Dated 29.06.2015.
vi) NBG/BOD-SC/71/2015-16 (SL NO. 1202/2015-16) Dated 31.12.2015.
*********

MARGINAL COST OF FUNDS BASED LINDING RATE (MCLR)
Compiled by Sri. K Giridhar Reddy, Manager (Training)
RBI introduced new lending rate system i.e., MCLR w.e.f. 01.04.2016
Background: The Reserve Bank of India had stated in its First Bi-monthly Monetary
Policy Statement 2015-16 announced on April 7th, 2015 that for monetary
transmission to occur, lending rates have to be sensitive to the policy rate. With the
introduction of Base Rate on 1st July, 2010 banks could set their actual lending rates
on loans and advances with reference to the base rate. With the introduction of Base
Rate on 1st July 2010 banks could set their actual lending rates on loans and
advances with reference to the Base Rate-on the basis of averate cost of funds,
marginal cost of funds or blended cost of funds(liabilities). Base rates based on
marginal cost of funds should be more sensitive to changes in the policy rates. In
order to improve the efficiency of monetary policy transmission, the Reserve Bank will
encourage banks to move in a time-bound manner to marginal-cost-of-funds-based
determination of their Base Rate.
Accordingly, the RBI had brought out the draft guidelines on banks adopting Marginal
Cost of Funds Methodology for calculating Base Rates on 1st September, 2015.
The Reserve Bank of India has brought a new methodology of setting lending rate by
commercial banks under the name Marginal Cost of Funds based Lending Rate
(MCLR). It will modify the existing base rate system from April 2016 onwards.
As per the new guidelines by the RBI, banks have to prepare Marginal Cost of Funds
based Lending Rate (MCLR) which will be the internal benchmark lending rates.
Based upon this MCLR, interest rate for different types of customers should be fixed in
accordance with their riskiness.
The MCLR should be revised monthly by considering some new factors including the
repo rate and other borrowing rates. Specifically the repo rate and other borrowing
rate that were not explicitly considered under the base rate system.
As per the new guidelines, banks have to set five benchmark rates for different tenure
or time periods ranging from overnight (one day) rates to one year.
The new methodology uses the marginal cost or latest cost conditions reflected in the
interest rate given by the banks for obtaining funds (from deposits and while borrowing
from RBI) while setting their lending rate. This means that the interest rate given by a

bank for deposits and the repo rate (for obtaining funds from the RBI) are the decisive
factors in the calculation of MCLR.
Why the MCLR reform?
At present, the banks are slightly slow to change their interest rate in accordance with
repo rate change by the RBI. Commercial banks are significantly depending upon the
RBIs LAF repo to get short term funds. But they are reluctant to change their
individual lending rates and deposit rates with periodic changes in repo rate.
Whenever the RBI is changing the repo rate, it was verbally compelling banks to make
changes in their lending rate. The purpose of changing the repo is realized only if the
banks are changing their individual lending and deposit rates.
The Highlights of the guidelines are as under:
All rupee loans sanctioned and credit limits renewed w.e.f 1st April, 2016 will be
priced with reference to the Marginal Cost of Funds based Lending
Rate(MCLR) which will be the internal benchmark for such purposes.
The MCLR will be a tenor linked internal benchmark.
Actual lending rates will be determined by adding the components of spread to

the MCLR.
Banks will review and publish their MCLR of different maturities every month on
a pre-announced date.
Banks may specify interest reset dates on their floating rate loans. They will
have the option to offer loans with reset dates linked either to the date of
sanction of the loan/credit limits or to the date of review of MCLR.
The periodicity of reset shall be one year or lower.
The MCLR prevailing on the day the loan is sanctioned will be applicable till the
next reset date, irrespective of the changes in the benchmark during the interim
period.
Existing loans and credit limits linked to the Base Rate may continue till
repayment or renewal, as the case may be. Existing borrowers will also have
the option to move to the Marginal Cost of Funds based Lending Rate(MCLR)
linked loan at mutually acceptable terms.
Banks will continue to review and publish Base Rate as hitherto.

Implication on monetary policy
Now, the novel element of the MCLR system is that it facilitates the so called
monetary transmission. It is mandatory for banks to consider the repo rate while
calculating their MCLR.
The RBI calls the effective passing of repo rate change into interest rate change by
the banking system as an important part of monetary transmission. Monetary
transmission in complete sense is the way in which a monetary policy signal (like a
repo rate cut) is passed into the economy in producing the set objectives.
Take the case of a repo rate reduction by the RBI. It is aimed to reduce overall interest
rate in the economy and thus promoting loans for consumption and investment. This
consumption and investment boost will be realized only if banks are cutting interest
rate in response to the reduced repo rate.
Bank will declare MCLR of various maturities (Overnight, 1 month, 3 month, 6 month,1
year, 2 Year and 3 Year) and to arrive at actual Lending rate, spread is to be
addedover and above the applicable MCLR maturity rate. To start with, for commercial
advances, Bank will now be offering One Year MCLR maturity only for Cash Credit
and Term loans offered on floating rate basis.
Further details of MCLR linked pricing are given as under, for better understanding
a. Minimum lending rate: There will be no lending below the MCLR of a particular
maturity for all loans linked to that benchmark.
b. Revision of Spread: Spread charged to a borrower should not be increased except

on account of deterioration in the credit risk profile of the customer backed by full-
fledged risk profile review. This directive will not apply to loans under MBA /
Consortium.
c. MCLR fixing: Applicable MCLR prevailing on the date of first disbursement,

whether partial or full, shall be applicable till the next reset date, irrespective of
changes in the benchmark in the interim. Future reset dates shall be determined
accordingly.
d. Reset periodicity: One year or lower. The exact periodicity of reset to form part of
the terms of the loan contract.
e. Existing loans : Existing loans and credit limits linked to the Base Rate may
continue till repayment or renewal, as the case may be. On the date of renewal, the
interest rate will automatically shift and be linked to applicable MCLR. Existing
borrowers will also have the option to move to MCLR based dispensation before full
repayment / renewal, on mutually acceptable terms.
Such instances shall not be treated as foreclosure of the existing facility. Operating
units may collect such options exercised by the borrowers opting for switch over and
feed the same in CBS once the functionality is developed.
f. Treatment of existing Concessions:
When a borrower enjoying concession in the card rate of interest opts to move to
MCLR, the extent of concession approved under Base Rate system shall continue to
be available till renewal.
Illustration 1 : CC facility for a borrower with ECR rating of AAA
Base Rate MCLR

Benchmark rate 9.30 9.20
Spread 0.25 0.25
Concession extended 0.15 0.15
Effective spread 0.10 0.10
Effective rate of interest 9.40 9.30
Illustration 2 : CC facility for a borrower with ECR rating of SB9

(Limits >Rs.500 cr)
Base Rate MCLR
Benchmark rate 9.30 9.20
Spread : 4.00 4.10
Concession extended: 2.00 2.00
Effective spread : 2.00 2.10
Effective rate of interest 11.30 11.30
g. User Manual: A detailed user manual in respect of MCLR interest rates will be
placed by CB Development Dept, GITC on the Service Desk for convenience of the
operating functionaries.
h. Commercial advances:
While card rates in respect of Commercial Advances will be announced by the bank,
the undernoted points may please be taken note of.
i) Cash Credit Loans: All Cash Credit loans will be offered on floating rate of interest
linked with 1 Year MCLR and yearly reset option.
ii) Working Capital Demand Loans (WCDL): WCDL facility to be offered on fixed
interest rate basis for its tenor linked to the corresponding maturity MCLR. In case
there is no MCLR corresponding to the tenor of WCDL,the next higher maturity MCLR
is to be treated as reference rate. (Example: In case of WCDL of 120 days, the
reference rate will be 6-month MCLR )
iii) Term Loans: In respect of Term Loans other than those on Fixed interest rate, all
loans will be offered on floating rate of interest linked with 1 Year MCLR and yearly
reset.
iv) Bills Discounted: Bill Discounting facility is to be offered linked to the

corresponding maturity MCLR based on tenor of the bills discounted.

i. Business Units concerned will separately advise details of rates of interest as well as
applicable interest type (fixed / floating), linked MCLR maturity, spread and reset
frequency (in case of floating interest rate loans), for specific products/ facilities
pertaining to them.
j. Fixed Rate Loans :

In partial modification of their instructions, RBI have now advised that Fixed rate loans
upto 3 years shall be priced with reference to MCLR. Fixed rate loans of tenor above 3
years will continue to be exempted from MCLR system.
Reference: e-circular CPPD Sl.No. 1588/2015-16 dated 31.03.2016

RBI Master Direction DBR.Dir.No.85/13.03.00/2015-16 dated 03.03.2016
*********

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.
Sir, An account holder at the branch is maintaining his account with signature but now he became paralyzed and
now is incapable to sign the instrument but his dependents want to convert his a/c into LTI account, whereas
account holder is neither able to speak nor to reply any question asked from him. Sir, what procedure should be
followed to convert his signature account in to LTI account?
Sir, In case of sudden incapacitation of the customer to sign, please obtain necessary court orders for
conversion of account into LTI.
Dear Sir/ Madam, Who is the authority to control the Control Returns submitted by the Branches to RBO. Can LPC
Manager put his signature as controlling authority or Chief Manager (RB) should be doing it? Kindly provide me
the circular instructions in this regard.
Sir, The Chief Manager (Credit and NPA) is the controlling authority for the control returns submitted by
the branches to RBO. Please refer delegation of financial powers circular in state bank
times>FAQ>Delegation of financial powers
Dear Sir, What are the charges the branch or Customer has to pay for legal advisor and valuation engineer in the
case of p-segment loan and Sme loans? Plz tell us the latest circular
Dear Sir, Branches need not to pay any charges to advocates and engineers. Customer has to pay charges
to advocates and engineers the legal opinion and valuation of properties for all segments. For valuation
charges please refer our Hyd circular No.CCO/ADV/08/2015-16 dated 07.01.2016 For legal charges
please refer our Hyd circular No.LAW/1/2013 dated 30.01.2013 (It is latest available circular)

Dear Sir, What is the maximum tenure for Term Loans? Is it revised recently? Please provide any circular
instructions for the same. Also mention the margin stipulated for Agri Gold Loans.
Dear Sir, Maximum tenure as per policy guidelines is 10 years. Gold loan margin is 25-30% as advised by
ABU.
Dear Sir, There is bit confusion about Maximum Loan Amt in PML under FEEL(KRISHI KALYAN). Somewhere it is
10 Lacs and somewhere 25lacs. Which one is correct as per latest circular?
Dear Sir, Under Krishi Kalyan, we can sanction production limit (KCC) and PML under single limit i.e as
one limit. But, if sanction separately, in KCC there is no upper limit and in PML there is an upper limit of
Rs.50.00 lacs. However, as per available latest circular for Krishi Kalyan scheme, we can sanction a sub-
limit under PML upto Rs.10.00 lacs only.
DEAR SIR, ON OF CUSTOMER HAD OPENED A AC OF SUKANYA SAMRIDDHI FOR HIS DAUGHTER ON
23/03/2016.NOW HE CAME TO BANK AND DEPOSIT MONEY OF 1000/- IT'S SHOWING THAT IRREGULAR AC AN
ERROR MSG DISPLAYING THAT INITIAL POSTING OUT SIDE OPENING BALANCE. IN THAT CASE A SCREEN NO OF
8004 DISPLAYED, I GO TO THE SCREEN NO AND TRF THE MONEY, SAME ERROR MSG DISPLAYED THAT INTIAL
POSTING OUT SIDE OPENING BALANCE LIMIT. PLZ GUIDE US AS FOLLOWS.
Dear Sir, There is minimum deposit amount every year i.e Rs.1000/- per year. If any irregular, he should
be pay penalty of Rs.50/- + R.1000/- each for every default year. Hence, in your case, account opened on
23.03.2016. He should have deposit Rs.1000/- on that day or with that financial year i.e upto 31.03.2016.
If not, it is defaulting financial year. Now he can deposit Rs.1000+Rs.50/- (penalty). So u request
customer to deposit Rs.1050/- for that defaulting year and educate him about that default provisions.
Sir, our branch ems password has been expired. Please help how to reset the password.
Dear Sir, Self password reset facility is available in EMS. Please go to EMS > Password Reset Manual. This
is available in STATE BANK TIMES (ems) Detailed instructions with screen shots are available in the
manual how to reset the password.
Please provide the format of notices to be sent before break open of lockers when they are neither operating nor
paying the dues. And also provide if there is any standard format for taking permission from RBO for break open.
Dear Sir, C.O.S.405, C.O.S.406 are to be sent. These are available in SBLC Pune site >
Departments>Mumbai Circle>SBLC Pune
Dear Sir, Where will I get the list of customers eligible to get the interest because delayed collection of their
instruments and the amount they are eligible to get? Sir, Is there any report generated in CDC report? If yes,
Please mention the folder and subfolder.
Dear Sir, Please run Adhoc reports. The reports pertaining to payment of interest on delayed collections
will be saved in your reports folder, on the same day after EOD.

Dear Sir, A customer has approached us for MUDRA LOAN for new trading unit of 10 lacs. Since it is a new unit,
he doesn't have IT returns but he has projected profitability statement and balance sheet. Can we finance unit
under MUDRA Category. He is not offering any collateral.
Sir, The detailed guidelines are provided in the following e-circular e-Circular SME BUSINESS UNIT. Sl.
No. : 1506/2015 - 16 Circular No. : NBG/SMEBU-PMMY/68/2015 - 16 Wednesday,March 09,2016.
Dear Sir Please advise us, how to get deposit interest rate from 01.01.1985.
Dear Sir, You can get them from personal banking State bank internet site (www.sbi.co.in), explore
Deposits>term deposits. interest rates for the 10 years available. Beyond that, search for Gagar Main
Sagar latest available version from Google search, you can get from 1995. Beyond that, you have to
contact BOD department LHO.
Dear Sir, In case of AB 1 simple and Auto loan agreement generated by Agri LOS and PBBU Los respectively,
there is no place of signature of Branch Manager. Are we supposed to sign these agreements? If yes, where?
Dear Sir, The above documents have to be signed by the borrower only. Hence no signature required by
the Branch Manager.
Dear Sir, What is the latest guidelines to accept the EPFO Challan in branch irrespective of amount and mode of
challan (e mode or physical mode)
Dear Sir, Collection of EPFO challans shall not be accepted in cash, but only through transfer/clearing
instruments. Refer Circular No. NBG/SMEBU Saturday 23rd October 2010 for more details There will be
no physical movement of challan copies and the dealing branch should retain the portion of bank
portion of challan as voucher.
Dear Sir/Madam, from what value of DD/BC we need to get sign of both AUTHORISED SIGNATORY and BRANCH
MANAGER. from what value of DD/BC we need to stick HOLOGRAM.
Dear Sir, 1. DD BC it is Rs.1,50,000/- and above. 2.Hologram to be affixed for amounts of Rs.1,00,000/-
and above.
DEAR SIR/MADAM IF A PARTICULAR CUSTOMER HAS TDRS IN TWO DIFFERENT BRANCHES UNDER THE SAME
CIF. IS IT ENOUGH TO SUBMIT 15G/H IN ONLY ONE BRANCH TO GET TAX EXEMPTION FOR ALL TDRS.
Dear Sir, It has to be obtained for two branches separately.

WHETHER DISCLAIMAINT CAN BE ACCEPTED AS SURIETY OR NOT IN CASE OF SETTLEMENT OF CLAIM OF A
SAVING ACCOUNT WITH OUT NOMINATION.
Dear Sir, Any legal heir who has signed the letter of disclaimer in favour of other legal heir(s) may accept
as surety if he/she is independently good for the amount of claim.
e-Circular No.: NBG/S&P-SP/10/2014-15 dated 17.11.2014
KINDLY GUIDE US REGARDING INTEREST RATE ELIGIBLE FOR SENIOR CITIZEN FOR A PERIOD OF 7 DAYS.
Sir, The interest rate benefit is available under senior citizen scheme for deposits of one year and above
only.
SIR I WANT TO KNOW HOW TO OPEN NPS ACCOUNT IN CBS .SO PLZ GIVE ME THE CIRCULAR NO AND
INFORAMATION REGARDING THE SAME.
Dear Sir, NPS account to be opened through other apps NPS after login in CBS. Under NPS app,
Registration process is the account opening process. For more details, please go to SB Times,
Department-1>Cross selling Dept>NPS (7th items on top from left to right). User manual, forms,
procedure everything is available.
Sir, As per e-circular in 2010 or 2011(I have forgotten date) photograph is not insisted for literate
customers(i.e.who make a signature on withdrawals) and photographs is necessary for illiterate customers.
Present this instructions are valid any change,pl.advise us. Kindly provide e-cir no.
Dear Sir, You are right. If customer is literate and able to sign, photograph is not necessary on SB
passbook. Specimen signature is sufficient to identify the customer. Whereas customer is illiterate i.e
LTI/RTI, photographs is must on passbook to identify the customer. Instructions are not changed
DEAR SIR, SOME OF OUR CUSTOMES GETTING RESPONSE CODE 168 AT ATM TRANSACTION. WE ARE NOT ABLE
TO FIND DISCRIPTION OF THAT ERROR CODE. PLEASE MAIL THE LIST OF RESPONSE CODE TO ME.
Dear Sir, ATM RESPONSE CODE 168 MEANS: EXTERNAL DECLINE TECHNICAL. For resolving the issue you
may refer the matter by sending the mail with detail on following email ids: cardoperations@sbi.co.in;
fssots.asc@sbi.co.in; atmcard.info@sbi.co.in
Mumbai Circle Site>Departments>Alternate Channel>Alternate Channels and Payments>ATM>Error Codes>Error
Codes (Revised-New)
Sir, We seek information regarding financial power in deceased account where nomination facility is available in
deposit account of deceased constituents.
Dear Sir, Settlement of deceased cases based on nomination registered with us can be done irrespective
of delegation of financial powers by the Manager (Operations). Delegation of financial powers is to be
referred only for cases without legal representation or nomination.

How many times a customer can transact using GCC in a day?? What is the limit of Cash
Deposit/Withdrawal/Transfer in day? Is the limit is applicable for single transaction or multiple transaction?
Dear Sir, The customer can transact using GCC with the help of various cards the customer is having, i.e.,
with GRC card the customer can transact upto Rs.25,000/-, with Classic ATM card he can transact
Rs.40,000/- and with Insta Deposit card he can deposit Rs.49,900/-. There will be maximum ceiling on
monthly deposit amount depending on the cards the customer is having. please be guided accordingly.
Dear Sir, I want to know, Pre Sanction survey is required or not in DSP Accounts for X-press Credit loan.
Dear Sir, No pre-sanction inspection is carried for DSP accounts for X-press credit loan accounts. After
sanction of loan, For information to the Salary Disbursing Authority a letter may be sent informing the
loan amount sanctioned and other terms of sanction.
Dear Sir, one of our customer approached us to seek income certificate on his fixed deposits with us for last year,
he is saying he need to file returns and other banks are providing interest certificates.. is there any provision to
provide interest certificate in our bank?? if so how can we provide interest certificate?
Dear Sir, The customer can himself generate the certificate through INB. You also can issue the same
manually.
Dear Sir, Kindly guide us with the address to whom the creation of Branch User (Maker) in INB Interface should
be forwarded or faxed to or mailed to.
Dear Sir, Please download the application from SBI Times>Circles>Hyderabad Circle>Departments>DGM
Alternate Channels>Alternate Channels>Migration to Maker /Checker >Download ford and fax to 040-
23466629. Detailed instructions are available in Hyderabad Circle.
Dear Sir, my query is related to locker operations as under:- (1) How to enter nomination in CBS in locker
module i.e. screen no, capability level. (2) What is the procedure to add or delete name in locker operation
Dear Sir, Nomination can be entered by following the steps as under: 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 authorized by any officer with
capability 5 or above. For adding or deleting joint hirer, follow the steps as under: SDV>SDV Account
Maintenance Prompt>Enter SDV No and choose option-Account Access Details>Transmit. In next screen,
Enter CIF of joint hirer under Accessing Customer field and also enter mode of operation>Transmit.
Authorise the queue. Same menu is used for deleting joint hirer where Remove Access is marked as "Y
against the CIF of the hirer to be deleted.

I would like to know the expansion of the terms MNG and FNG in the mode of operation column in account
opening form
Dear Sir, MNG and FNG means "mother and natural guardian and "father and natural guardian" i.e.
parent of the minor.
SIR NAMASTE. IT IS OBSERVED THAT THE INTEREST IS BEING CHARGED TO THE STAFF IHLs IS BASING ON THE
HL OUTSTANDINGS NOT ON THE SLAB RATE FIXED AS PER THE CIRCULAR Limit upto Rs.40 lacs :- 6.75% p.a.
(simple) Limit above Rs.40 lacs :- 8.00% p.a. (simple) INTEREST IS BEING CHAGED @ 8% IF THE LOAN
OUTSTANDING EXCEEDS Rs.40.00 LACS IS IT COORRECT ? IF NOT KINDLY ESCALATE THE ISSUE IN THE
PROPER FORUM FOR THE BENEFIT OF ALL OUR STAFF MEMBERS....
SIR/MADAM, The Staff HL is charged at 6.75% upto Rs.40.00 lacs and above Rs.40.00 lacs interest is
charged at 8.00% and it is charged on tired rate basis combing both the interests at 6.75% and 8.00%
depending on the loan amount sanctioned. if you want to escalate the matter to our higher authorities
please keep it in staff suggestion scheme.
Dear Sir, I want to know that if a customer deposit cash of Rs 50k or more to other customer's ac ,then whose
pan card no should be entered in the column of PAN IN CBS
Sir, The remitter's PAN no is to be entered.
INSTEAD OF PENSION LOAN ACCOUNT WAS OPENED AS X PRESS CREDIT, NOW HOW TO CHANGE PRODUCT
FROM X PRESS CREDIT TO PENSION LOAN PLEASE RESOLVE
Dear Sir, You can not change product code / type through CBS. You have to obtain request from your
DGM (B&O) and the scanned copy should upload in service desk for change at back end.
Dear Sir, While uploading the signature scanning in CBS we are getting the error as " Oracle Error Occurred. Pls
contact administrator. Error Sequence number is: 8184 ". Please resolve the problem as it continues from last 3
months.
Dear Sir, The error occurs if image exceeds the permitted size. Please upload image again in .jpg type
within 32KB.
SIR,A CUSTOMER HAVING TWO ACCOUNTS WITH SINGLE CIF BUT HE HAS DEBIT CARD FOR ONE ACCOUNT
NOW HIS REQUEST HIS PLEASE ADD SECOND ACCOUNT TO THE OLD DEBIT CARD IS IT POSSIBLE? IF IT IS
POSSIBLE PLEASE SEND THE WAY OF PROCESS.
Dear Sir, One ATM card can be linked to 16 accounts under same CIF. Additional accounts can be linked
to same card through service desk menu accessible to Manager (Operations) only.

Dear Sir, Customer was made a stdr a/c on 1992 for 36 months and customer was expired on 1996. Now his
legal heir claim the amount with interest(stdr intt) from the date of maturity. Please guide us regarding bank's
instruction that at which rate interest will be payable to customer from date of maturity to till date.
Dear Sir, Interest may be paid on a deposit standing in the name of a deceased depositor for the overdue
period from the date of maturity of the deposit to the date on which the deposit is actually repaid to the
legal heir(s) of the deceased depositor, the rate at which such interest is paid being the lower of the
under mentioned rates: (a)The rate mentioned in the original receipt/advice, (b)The rate applicable on
the date of maturity for a fresh deposit for the overdue period.
e-Circular Sl. No. : 1492/2014 - 15 Circular No. : NBG/PBU/LIMA-PB/35/2014 - 15 dtd 30/03/2015 page 21
Can a banker cheque (BY CANCELLATION) above 20,000 and upto 50,000/-be paid in cash OR by issuing
IOI/Transfer
Dear Sir, It can be paid in cash.
SIR,PLEASE LET ME KNOW HOW TO DONE DECEASE SETTELMENT OF LOCKER.
Dear Sir, Deceased settlement of locker can be done by allowing access to nominee if registered, or to
executor as stated in legal representation if probate or letter of administration is produced, or else settle
to legal heir as per delegation of financial powers based on value of contents in the locker which is
assessed after break open in presence of two officials and two independent witnesses.
Dear Sir, I have been recently posted as field officer in a branch, now within how many days I have to report the
irregularities found in CRM part such as document missing, time bared documents etc. while taking over the
charge as field officer .Sir what are the registers I have to maintain for getting good marks in CRM.
Dear Sir, You have to complete take over task within 3 days normally or else seek permission from your
Controller for extending the period stating reasons. You need to submit the taking over certificate with
deviations, if any, within 30 days or else seek permission of Controllers to submit with delay stating
reasons or else it is deemed that you assumed charge with full responsibility of all affairs in your area of
operations. Regarding registers to be maintained, please follow the list mentioned in e-Circular Sl. No. :
1325/2015 - 16 Circular No. : NBG/S&P-SP/1/2015 - 16 dtd 30/01/2016.
Refer Codified Circulars Manual-Book of Instructions-General Administrations in Chapter2 Volume1 under item
18.2
Kindly inform how to open migrated PPf account in back date? please elaborate step by step.
Dear Sir, Please refer CBS Manual on Government Business in SBI TIMES under chapter 20 for PPF
account opening. Product Code is 1311/1401. The first funding transaction can be more than
Rs.150000/- whereas the subscriptions are limited to Rs.150000/-in a financial year.
SB Times>Manuals>CBS Manual>Government Business>Chapter 20>Page 451-453

DEAR SIR, ONE OF THE OUR CUSTOMER NOMINEE NAME HAS BEEN WRONGLY ENTERED IN THE BOND IS THERE
ANY POSSIBLE TO CHANGE THE NOMINEE?
Dear Sir, Please send mail to customer.care@sbigeneral.in with policy details for necessary correction
DEAR SIR WE SANCTIONED AN SME TL FOR 25 LAKS IN 2012. AND THE COLLATERAL SECURITY OBTAINED THEN
WAS AROUND 65 LAKS ( 5 VACANTS ITES AND TWO RES HOUSE). NOW THE CUSTOMER WANTS TO WITH DRAW
THE VACANT SITES FROM THE EM DUE TO SOME PEROSNLA NEED. . OF COURSE, REMAINING HOUSES
SECURITY OF Rs.45.0 LAKS IS SUFFICIENT FOR THE TL. CAN WE REALESE THE VACANT SITES FROM THE EM.
WHAT IS THE PROCEDURE TO BE FOLLOWED? ARE THERE ANY CHARGES. PL GUIDE US. PL GIVE THE CIRCULAR
SUPPORT ALSO IF ANYTHING IS AVAILBALE.
Dear Sir, It has to be done as per the discretion of the sanctioning authority. After getting approval, the
details of the remaining security is recorded in the recital and SME 7 . The charges for release of security
is 0.03% of limit-minimum of Rs.5000/- and maximum Rs.100000/-.
e circular sl no 1406 dt 15/02/2016
DEAR SIR, IF ONE PPF HOLDER WITHDRAW SOME AMOUNT ON LAST 1YR 6MONTHS BACK. BUT NOW HE WANTS
TO AVAIL LOAN. IS IT POSSIBLE AT THIS TIME. PPF A/C IS RUNNING 8TH YEAR. PLEASE GUIDE US IN THIS
ISSUE.
Dear Sir, PPF withdrawal is permitted only once in a financial year.

Hyderabad Circle Site>LHO Depts/ BUs>Business Units>GBU>Reference Book on Govt. Business>Page231
Dear Sir, What are extant bank's guidelines of account transfer if customer has availed auto loan facility form
branch?
Dear Sir, Normally, transfer of loan accounts is not done in case of public unless the transferee branch is
also willing to take the account. The customer has to initiate the request through the transferee branch.
Bank charge should continue even if transferred to other branch.

SBLC MASULIPATNAM TEAM

32nd Issue E-Gyan April, 2016

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32nd Issue E-Gyan April, 2016

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STATE BANK LEARNING CENTER MASULIPATNAM

STATE BANK LEARNING CENTER

The father wrote in his diary...

So lets do our best to people who are around us.

Hope you like it!

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

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

2 Revised Procedure of Form 15G B Savithri 11 17

3 Inclusion of Mutual Funds Under P Padma Babu Goud 18 19

4 Process Flow Handout for SMS R Prabhakara Rao 20 22

5 Rationalisation of Registers S Arun Jyoti 23 30

6 Non-Home Transactions ASRKK Sarma 31 33

7 Marginal Cost of Funds Based K Giridhar Reddy 34 38

8 Important KHL queries answered SBLC Team 39 46

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

Global warming is happening now

We are the cause

The scientific evidence is clear

Within the scientific community, there is no debate. An overwhelming majority of

1. Reuse plastic products

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

3. Unplug idle electronic appliances

4. Choose matchsticks over lighters

5. Pay bills online

6. Dont use pesticides, herbicides, or chemicals

7. Use traps instead of poison

8. Use rechargeable batteries

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

10. Buy products that are recycled

11. Shop for durable, long-lasting products

12. Avoid domestic cleaners

13. Sell old newspapers

14. Use cloth serviettes instead of paper napkins

Using paper means cutting down trees. Avoid it as far as possible.

15. Replace light bulbs with CFL or LED

16. Switch off anything that uses electricity

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

18. Wash with cold water

19. Air dry clothes

20. Do not leave appliances on standby

21. Use cloth bags for shopping

22. Turn off your computer everyday

Use natural resources to stay fit and save energy.

24. Avoid using lights during day

25. Set your refrigerator temperature right

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

27. Utilise your washing machine to capacity

28. Dont use electric/electronic exercise machines

Instead of expensive electrically driven exercise equipment, use a bicycle or

29. Clean your fridge

Refrigerators use a tremendous amount of energy every year. To cut down on

30. Purchase energy efficient electronic appliances

31. Cover pots while cooking

Save precious LPG and cook food faster.

32. Use pressure cookers as much as possible

Cooks food faster and conserve LPG.

33. Consume less red meat

34. Buy fresh foods instead of frozen

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

They reduce cost in the longer run as well as reduce disposal.

37. Use a tea kettle instead of a pan to heat water

38. Match the size of your cooking utensil to the burner

39. Buy organically grown food