sbh
TRANSCRIPT
LIVE PROJECT
AT
STATE BANK OF HYDERABAD
SUBMITTED BY
D.varsha
5NB1401
INC KHAMMAM
Company profile:
State Bank of Hyderabad was constituted as Hyderabad State Bank on 8.8.1941 under Hyderabad State Bank Act, 1941. The Bank started with the unique distinction of being the central bank of the erstwhile State of Hyderabad, covering present-day Telangana region of Andhra Pradesh, Hyderabad-Karnataka of Karnataka and Marathwada of Maharashtra, to manage its currency - Osmania Sikka and public debt apart from the functions of commercial banking. The first branch of the Bank was opened at Gunfoundry, Hyderabad on 5th April, 1942.
In 1953, the Bank took over the assets and liabilities of the Hyderabad Mercantile Bank Ltd. In the same year, the Bank started conducting Government and Treasury business as agent of Reserve Bank of India. In 1956, the Bank was taken over by Reserve Bank of India as its first subsidiary and its name was changed from Hyderabad State Bank to State Bank of Hyderabad.
The Bank became a subsidiary of the State Bank of India on the 1st October 1959 and is now the largest Associate Bank of State Bank of India
Our Mission
"To achieve pre-eminence in banking and financial sectors with commitment to excellence in customer satisfaction, profit maximisation and continued emphasis on developmental banking through a skilled and committed work force by providing training facilities and technological upgradation"
The various products and services offered by sbh are
Deposits Advances. NRI services.
Deposits of sbh are:
Deposits
Term Deposit Schemes Term deposits qualifying Income Tax Benefit
Sri Venkateswara Nitya Annadana Scheme
Fixed Deposit Scheme Savings Plus Scheme
Sri Venkateswara Pranadana Scheme
Recurring Deposit Scheme Senior Citizen Scheme
Special Term Deposit Scheme S.B.H Multi Option Deposit Scheme (M.O.D.S)
Policy on Bank Deposits
Short Term Deposit Scheme Super Saver Term Deposit Scheme
Advances of sbh bank are:
Personal Advances
Housing Loan SchemeDemand Loans Against Pledge Of Gold Ornaments
Udyog Bandhu Scheme
Varun Mithra (Rain Water Harvesting Scheme)
Overdraft Against Pledge Of Gold Ornaments
Mortgage Loans
Housing Loan For NRIs Loans against NSCs/IVPs/KVPs Adhyapak Suvidha Scheme
Personal Loan Loans Against LIC And SBI Life SBH-Rail Plus
Educational Loan Kanya Vivah Suvidha Scheme SBH-Sanchar Plus
Loan To Pensioners Vanitha Gold Scheme SBH-Journalist Plus
Scoom (Two Wheelers) SBH Paryatan SchemeSoftware Professional Plus Scheme
Purchase Of Cars SBH Loans To Family PensionersCredit To Credit Card Holders – SBH C3 Scheme
Personal Computers SBH Tax Suvidha Scheme Education Loan Plus Scheme
Loan Against Term Deposit SBH Rakshak Scheme Coaching Plus Scheme
Receipts
Cash KeyAdvance against Shares & Debentures
SARAL Loan Scheme
Commercial and Institutional
Rent Plus SchemeTake Over Of Advances - Trade & Services
Vehcile Loans To Corporates
Total Package For Financing Traders (TPFT)
Take Over Of Advances - Other Than Trade & Services
Merchant Banking
OverDraft / CashCredit To Contractors
School Plus
Small & Medium Enterprises
Special Services To SME Borrowers
Names Of Specialised SSI Branches Charter for SMEs
SME Advances(Specific Schemes)
General Purpose Term LoanCredit Linked Subsidy For Technology Upgradation
KVIC Margin Money
Laghu Udyami Credit CardCredit Guarantee Fund Trust For Small Industries
SME Smart Score
SME Credit Plus Mortgage Loan SME Car Loan
Small Business Finance (SBF)
Retail Traders Fin Bowl Trade Small Business Enterprises
Doctor Plus Transport Operator Finance Scheme for qualified Professionals
SBF Advances Tourism Fin
Agricultural Advances
Production Credit Loans
Crop Loans Scheme Produce Marketing LoansCold Storage Unit/Private Ware House Finance
Investment Credit Loans
Agricultural Term Loan Scheme
Finance For Tractor & Power Tiller Vehcile Loans For Farmers
Minor Irrigation - Dug Wells Scheme
Gramin Bhandar Yojana Scheme Cold Storage Finance
Development Of Old Well Scheme
Financing For Drip Irrigation System & Sprinklers
Finance For Purchase Of Land For Agriculture
Land Development Finance Scheme
Kisan Credit Card
Kisan Credit Card SchemeAccident Insurance Scheme For KCC Holders
SBH Kisan Star Card Scheme
Self Help Groups Agri Clinics & Agri Business Centres Yuva Krishi Plus Scheme
Services provided by sbh bank are:
Services
Demat/Depository Services Electronic Fund Transfer System
Safe Deposit Lockers
ATM Services Internet Banking SBI Life
ATM Locations Service Charges Customer Service
NRI Services
Internet Banking Personal Loan Scheme to NRIs
Non Resident Ordinary Account Mortgage Loans to NRIs
Housing Loans to NRIs
Deposit Scemes Term Deposits
Savings Bank
Interest rates: BANK'S BENCHMARK PRIME LENDING RATE (BPLR) : 11.50 % P.A (w.e.f 01-MAY-2006)
Revised
Effect from 01.08.2006
Period BelowRs.1 crore
Rs.1 cr and upto Rs.5 cr
15-45 days 4.75 5.00
46 days and upto 90 days 5.25 5.50
91 days and upto 120 days 5.50 5.75
121 days and upto 179 days 5.50 5.75
180 days to less than 1 year 6.25 6.50
1 year to less than 2 years 6.75 7.00
2 years to less than 3 years 7.00 7.25
3 years to upto 5 years7.25 7.25
Above 5 years super saver 7.50 7.50
]
PERSONAL SEGMENT ADVANCES - INTEREST RATES
SCHEME RATE OF INTEREST
HOUSING LOANS (w.e.f 01-08-2006)
Floating Rate a) Upto 5 years 9.00% p.a. b) Above 5 – 15 years 9.75% p.a. c) Above 15 – 20 years 10.00% p.a. Fixed Rate a) Upto 5 years 10.00% p.a b) Above 5 – 15 years 10.75% p.a. c) Above 15 – 20 years11.00% p.a.
Varun Mithra Rain Water Harvesting Scheme Other Housing Loans: i) VAMBAY ii) Credit-cum-Subsidy Scheme iii) SBH Gruhini iv) Rajiv Gruhakalpa
As per Housing Loans 10.00% p.a. 11.50%p.a.(SBH PLR) 11.50%p.a.(SBHBPLR) 8.00%p.a.
I - EDUCATION LOANS Floating Rates a) For loans upto Rs.4.00 lacs b) For loans above Rs.4.00 lacs II - Education Loan Plus Scheme III - Coaching Plus Scheme
11.00% p.a. (0.50% below PLR) 12.00% p.a. (0.50% p.a. above PLR) As per Education Loans As per Education Loans
CAR LOANS For New Vehicles For premium cars repayment upto 3 years At metro & Urban Centers a) Upto 3 years b) Above 3 years upto 5 years c) Above 5 years upto 7 years At Rural & Semi Urban Centers a) Upto 3 years b) Above 3 years upto 5 years c) Above 5 years upto 7 years Used Vehicles: At all centers: a) Upto 3 years b) Above 3 years and upto 7 years
8.50% p.a.
(3.00% below BPLR)
Floating Fixed 9.00% p.a. 9.50% p.a. 9.25% p.a. 9.75% p.a. 9.50% p.a. 10.00% p.a.
9.00% p.a. 9.50% p.a. 9.25% p.a. 9.75% p.a. 9.50% p.a. 10.00% p.a
Floating Fixed
11.00% p.a. 11.50% p.a. 11.50% p.a. 12.00% p.a.
PERSONAL LOAN AGAINST MORTGAGE OF IMMOVABLE PROPERTY
Term Loans / Overdraft Loans
11.00% p.a. (0.50% below BPLR)
1) Personal Loan Scheme 13.50% (2.00% above BPLR)
2) Personal Loan to Pensioners 12.00% p.a. (0.50% above BPLR)
3) Loan to Family Pensioners 12.00% p.a. (0.50% above BPLR)
4) Kanya Vivah Suvidha Scheme 13.00% p.a. (1.50% above BPLR)
5) Udyog Bandhu Scheme
11.50% (at BPLR)
6) SBH Tax Suvidha Scheme
13.50% p.a. (at 2.00% above BPLR)
7) Adhyapak Suvidha Scheme
13.00% p.a. (at 1.50% above BPLR)
8) SBH Rakshak Scheme
13.00% p.a. (at 1.50% above BPLR)
9) Vanitha Gold Scheme
13.00% p.a. (at 1.50% above BPLR)
10) SBH Paryatan Scheme
13.00% p.a. (at 1.50% above BPLR)
11) SBH Sanchar Plus Scheme
13.00% p.a. (at 1.50% above BPLR)
12) SBH Rail Plus Scheme
13.00% p.a. (at 1.50% above BPLR)
13) SBH Software Professional Plus Scheme
12.50% p.a. (at BPLR)
14) SBH Journalist Plus Scheme
13.00% p.a. (at 1.50% above BPLR)
15) Credit-to-Credit-Card holders (SBH C3 Scheme) 13.00% p.a. (at 1.50% above BPLR)
16) SBH Siri sampada Scheme Concession of 0.25% in interest on all loans other than Housing Loans
17) Loans against Public Sector Bonds 11.50% p.a. (at BPLR)
18) Overdraft in Savings Bank accounts
15.50% (at 4% above BPLR)
19) SBH Fast Credit Scheme 10.75% p.a. (at 0.75% below BPLR)
20) Computer Loan Scheme 13.00% p.a. (at 1.50% above BPLR)
21) SCOOM Loan Scheme (for 2 wheelers) 11.75% (at 1.50% above BPLR)
22) Loans to individuals for installation of Solar Water devices 12.00% p.a. (at 0.50% above BPLR)
23) Clean Overdrafts
15.50% p.a. (at 4% above BPLR)
24) Demand Loans against Gold ornaments.
Overdraft against Gold ornaments
12.25% p.a. (at 0.25% above BPLR) 12.25% p.a. (at 0.75 above BPLR)
12.25% p.a. (at 0.75 above BPLR)
25) Loans to individuals against Shares and Debentures/Bonds/ Units/Of Mutual Funds 11.50% p.a. (at BPLR)
26) Advances against surrender value of Life Insurance Policy 10.50% p.a. (at 1% below BPLR)
27) Loans to employees to purchase shares of their own companies under employees quota 8.25% p.a. (at 3.25% below BPLR)
28) Loans against Gold Bonds
11.50% p.a. (at BPLR)
29) RBI Relief Bonds
10.50% p.a. (at 1% below BPLR)
30) Advances against Govt., securities including NSCs IVPs, KVPs, SBI Magnums, Units of UTI 10.25% (at 1.25% below BPLR)
31) Loans to Land Lords for construction of Accommodation for bank use:
a) Upto and inclusive of Rs.2.00 lacs b) Above Rs 2.00 lacs
10.50% p.a. 11.50% p.a.
32) I – Advances against Bank TDR (for Domestic)
a) Advance to : i) The customer(s) either singly or jointly ii) One of the partners of a partnership firm iii) The proprietor of a proprietory concern and the advance is made to such concern iv) A ward whose guardian is competent to borrow on behalf of a ward and where the advance is made to the guardian of the ward in such capacity II – Advances against Bank TDR’s (Domestic) b) To borrowers other than those included in a) (i to iv) Advances to third parties against bank’s own TDRs, SPL TDRs, in the name of others (irrespective of the limit)
1% above the interest rate allowed on the deposit (i) 1% above the rate allowed on the deposit or (ii) SBH PLR or (iii) The rate of Int. applicable to the activity financed viz. SSI/ SBF/ AGR etc. (whichever is higher of the 3 above) (iv) However if the loan is granted in PER segment, rate of interest to be charged will be the same rate as applicable for clean overdrafts.
Advances against balances in the Janata Deposit Account a) For Public b) For staff (as laid down in the scheme approved by RBI)
10.25% p.a. 8.25% p.a.
REVISED INTEREST RATES APPLICABLE FOR ADVANCES TO MEMBERS OF STAFF/BANK’S PENSIONERS w.e.f., 01-06-2006
1) Advances against Govt., Securities (other than NSCs, IVPs, KVPs) surrender value of LIC Policies.
Shares of Joint Stock companies
Maximum interest rate payable on Staff TDRs (subject to reset with changes in maximum TD rate) or Interest rate payable/yield on security pledged. (whichever is higher)
2) Gold Loans Maximum interest rate payable on Staff TDR (subject to reset with changes in Maximum TD rate)
3) Advances against debentures of Joint Stock Companies, SBI Magnums, Units of UTI and Mutual Funds
Rates applicable for Personal loan to staff i.e., 0.25% p.a. below SBH PLR
4) Kisan Vikas Patras 1.50% p.a. below SBH PLR subject to the provision that if there is a security carrying higher interest rates the loan will carry the same rate as the security
5) For advances against NSCs
Note: In case the interest payable/yield on any security pledged by members of the Bank’s staff/Pensioners is more than the prescribed rate of interest on advance, the interest equivalent to the interest/yield receivable by the employee/retired employee whichever is higher is to be charged, to safeguard against arbitrage in respect of item 1,3 & 4
Maximum interest rate payable on staff TDRs (subject to reset with changes in max. TD Rate) or the interest rate payable/ yield on the security pledged whichever is higher
6) Personal Loans 9.75% p.a. (at 1.75% p.a. below BPLR)
7) Advances against Bank’s Term Deposits a) for limits Upto Rs. 3.00 lacs
b) for limits above Rs.3.00 lacs
Same rate of interest as payable on TDR
The interest rates are subject to change from time to time.
AGRICULTURAL ADVANCES - INTEREST RATES
Size of credit Short term loans
Upto Rs 25000 8.75 % P.A
Over Rs. 25000 to Rs.50000 8.75 % P.A
Over Rs. 50000 to 2.00 lac 10.00 % P.A
Over Rs. 2.00 lac to 25.00 lac 11.25 % P.A
Over Rs. 25.00 lac Based on credit rating
Size Of Credit Term Loans
Upto Rs 25000 9.25 % P.A
Upto Rs. 2.00 lac 10.25 % P.A
Over Rs. 2.00 lac upto 25.00 lac 11.50 % P.A
Over Rs. 25.00 lac Based on credit rating
LOANS TO SELF HELP GROUPS
Direct loans upto Rs. 2.00 lac to SHGs 8.00 % P.A
Direct loans above Rs. 2.00 lac to SHGs 9.75 % P.A
The interest rates are subject to change from time to time.
SIB SEGMENT INTEREST RATES
SMALL BUSINESS FINANCE (SBF)
Size Of Credit Rate Of Interest
Upto Rs. 25,000 10.95 % P.A
Rs. 25,000 to Rs. 2 lacs 11.00 % P.A
Above Rs. 2.00 lacs 12.25 % P.A
SMALL SCALE INDUSTRIES (SSI)
Size Of Credit SSI (Working Capital) SSI (Term Loan)
Upto Rs. 25,000 10.75 % P.A 10.75 % P.A
Rs. 25,000 to Rs. 2 lacs 11.00 % P.A 11.00 % P.A
Above Rs. 2.00 lacs upto 25 lacs 11.50 % P.A 12.00 % P.A
Above 25 lacs Based on credit rating Based on credit rating
The interest rates are subject to change from time to time.
COMMERCIAL & INSTITUTIONAL (C&I) SEGMENT ADVANCES INTEREST RATES WEF 01.06.2003
1. Interest Rates on Loans and Advances upto and inclusive of Rs. 2 lacs 11.00 % P.A
2. Interest Rates on Loans and Advances Over Rs. 2 lacs Based on Credit Rating