LIVE PROJECT AT STATE BANK OF HYDERABAD

SUBMITTED BY D.varsha 5NB1401 INC KHAMMAM

the Bank started conducting Government and Treasury business as agent of Reserve Bank of India. Hyderabad-Karnataka of Karnataka and Marathwada of Maharashtra. 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.  NRI services. 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. In 1956.Osmania Sikka and public debt apart from the functions of commercial banking. The Bank started with the unique distinction of being the central bank of the erstwhile State of Hyderabad. .8. covering present-day Telangana region of Andhra Pradesh. The first branch of the Bank was opened at Gunfoundry. 1942.Company profile: State Bank of Hyderabad was constituted as Hyderabad State Bank on 8. to manage its currency . 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. In the same year. Hyderabad on 5th April. 1941. the Bank took over the assets and liabilities of the Hyderabad Mercantile Bank Ltd.1941 under Hyderabad State Bank Act. In 1953.

S) Super Saver Term Deposit Scheme Advances of sbh bank are: Personal Advances Demand Loans Against Pledge Of Gold Ornaments Overdraft Against Pledge Of Gold Ornaments Loans against NSCs/IVPs/KVPs Loans Against LIC And SBI Life Kanya Vivah Suvidha Scheme Vanitha Gold Scheme SBH Paryatan Scheme SBH Loans To Family Pensioners SBH Tax Suvidha Scheme SBH Rakshak Scheme Housing Loan Scheme Varun Mithra (Rain Water Harvesting Scheme) Housing Loan For NRIs Personal Loan Educational Loan Loan To Pensioners Scoom (Two Wheelers) Purchase Of Cars Personal Computers Loan Against Term Deposit Udyog Bandhu Scheme Mortgage Loans Adhyapak Suvidha Scheme SBH-Rail Plus SBH-Sanchar Plus SBH-Journalist Plus Software Professional Plus Scheme Credit To Credit Card Holders – SBH C3 Scheme Education Loan Plus Scheme Coaching Plus Scheme .B.H Multi Option Deposit Scheme (M.Deposits of sbh are: Deposits Term Deposit Schemes Term deposits qualifying Income Tax Benefit Savings Plus Scheme Senior Citizen Scheme Policy on Bank Deposits Sri Venkateswara Nitya Annadana Fixed Deposit Scheme Scheme Sri Venkateswara Pranadana Scheme Special Term Deposit Scheme Short Term Deposit Scheme Recurring Deposit Scheme S.D.O.

Other Than Merchant Banking Trade & Services 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 Loan Laghu Udyami Credit Card SME Credit Plus Credit Linked Subsidy For Technology Upgradation Credit Guarantee Fund Trust For Small Industries Mortgage Loan Small Business Finance (SBF) Retail Traders Doctor Plus Fin Bowl Trade Transport Operator Finance Small Business Enterprises Scheme for qualified Professionals KVIC Margin Money SME Smart Score SME Car Loan .Receipts Cash Key Advance against Shares & Debentures Commercial and Institutional Take Over Of Advances .Trade & Services SARAL Loan Scheme Rent Plus Scheme Total Package For Financing Traders (TPFT) OverDraft / CashCredit To Contractors Vehcile Loans To Corporates Take Over Of Advances .

SBF Advances Tourism Fin Agricultural Advances Production Credit Loans Crop Loans Scheme Investment Credit Loans Agricultural Term Loan Scheme Minor Irrigation .Dug Wells Scheme Development Of Old Well Scheme Land Development Finance Scheme Kisan Credit Card Kisan Credit Card Scheme Self Help Groups Accident Insurance Scheme For KCC Holders SBH Kisan Star Card Scheme Finance For Tractor & Power Tiller Gramin Bhandar Yojana Scheme Vehcile Loans For Farmers Cold Storage Finance Produce Marketing Loans Cold Storage Unit/Private Ware House Finance Financing For Drip Irrigation System Finance For Purchase Of Land For & Sprinklers Agriculture Agri Clinics & Agri Business Centres Yuva Krishi Plus Scheme Services provided by sbh bank are: Services Demat/Depository Services ATM Services ATM Locations Electronic Fund Transfer System Internet Banking Service Charges Safe Deposit Lockers SBI Life Customer Service .

00 7.5 cr 4.08.A (w.50 7.25 5.75 7.25 7.1 crore upto Rs.25 7.75 5.50 6.f 01-MAY-2006) Revised Effect from 01.75 6.50 ] 15-45 days 46 days and upto 90 days 91 days and upto 120 days 121 days and upto 179 days 180 days to less than 1 year 1 year to less than 2 years 2 years to less than 3 years 3 years to upto 5 years Above 5 years super saver .75 5.50 5.1 cr and Rs.00 7.50 5.50 % P.00 5.25 6.2006 Period Below Rs.NRI Services Internet Banking Non Resident Ordinary Account Housing Loans to NRIs Deposit Scemes Savings Bank Term Deposits Personal Loan Scheme to NRIs Mortgage Loans to NRIs Interest rates: BANK'S BENCHMARK PRIME LENDING RATE (BPLR) : 11.50 5.e.25 7.

PERSONAL SEGMENT ADVANCES .INTEREST RATES .

a.4. (0.25% p. (0.a.50% p.a.50% p.a.50% (2. b) Above 5 – 15 years 9. Varun Mithra Rain Water Harvesting Scheme Other Housing Loans: i) VAMBAY ii) Credit-cum-Subsidy Scheme iii) SBH Gruhini iv) Rajiv Gruhakalpa I .a.SCHEME HOUSING LOANS (w. 11.50%p.a.00% above BPLR) .a.75% p. (0. above PLR) As per Education Loans As per Education Loans 8. 9.50% below BPLR) 13. 9.00% p.Education Loan Plus Scheme III . 11.a.00% p.a.75% p. 11.a. 10. Floating 11.a b) Above 5 – 15 years 10.00% p.50% p.a.50% below PLR) 12.00% p.00% p.00% below BPLR) Floating 9.a.50% p.a.00 lacs b) For loans above Rs.00% p.a. 9.00% p.50% p. 9.00 lacs II .00% p.00% p.4. 9. c) Above 15 – 20 years 10.75% p. Fixed 9.50% p. 9.00%p.a.EDUCATION LOANS Floating Rates a) For loans upto Rs.50%p.a.a.a.50% p.75% p.Coaching Plus Scheme 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 As per Housing Loans 10.a.25% p.a. 10.f 01-08-2006) RATE OF INTEREST Floating Rate a) Upto 5 years 9.a.50% p.(SBHBPLR) 8.e. c) Above 15 – 20 years11.00% p.00% p.a.00% p.a.(SBH PLR) 11.a.a. 12.a.00% p.a. (3. Fixed Rate a) Upto 5 years 10. 9. 9.00% p. PERSONAL LOAN AGAINST MORTGAGE OF IMMOVABLE PROPERTY Term Loans / Overdraft Loans 1) Personal Loan Scheme 11.a.a.a Fixed 11.

2. 25. SIB SEGMENT INTEREST RATES SMALL BUSINESS FINANCE (SBF) Size Of Credit Upto Rs.75 % P.00 lac Short term loans 8.A 8. 25.A 11.000 Rs.A 11.25 % P.A SMALL SCALE INDUSTRIES (SSI) Size Of Credit Upto Rs.00 % P.A 10.A The interest rates are subject to change from time to time. 2 lacs Above Rs.00 lac Over Rs.INTEREST RATES Size of credit Upto Rs 25000 Over Rs.25 % P.00 lac Over Rs.00 lac Size Of Credit Upto Rs 25000 Upto Rs.00 % P.75 % P.A 12. 2 lacs 2.75 % P. 25.00 lac Over Rs.A 11.50 % P.000 Rs.The interest rates are subject to change from time to time. 2.A Based on credit rating SSI (Term Loan) 10.25 % P. AGRICULTURAL ADVANCES .A Based on credit rating The interest rates are subject to change from time to time.50000 Over Rs.A 11. 25000 to Rs.A 9.A 12. COMMERCIAL & INSTITUTIONAL (C&I) SEGMENT ADVANCES INTEREST RATES WEF 01.00 lac to SHGs 8.25 % P.00 lac to SHGs Direct loans above Rs. 2.A 11.00 % P.A Based on Credit Rating .00 % P. 2.50 % P.00 lacs Rate Of Interest 10.00 lacs upto 25 lacs Above 25 lacs SSI (Working Capital) 10. 2 lacs Above Rs.A 11.00 lac to 25.95 % P.75 % P.A Based on credit rating Term Loans 9.00 % P.000 to Rs. 25.06.75 % P.2003 1. 2. 50000 to 2. 2.00 % P. 2. Interest Rates on Loans and Advances upto and inclusive of Rs.000 to Rs.00 lac upto 25. Interest Rates on Loans and Advances Over Rs. 2 lacs 11. 25.00 % P. 25.A Based on credit rating LOANS TO SELF HELP GROUPS Direct loans upto Rs.00 lac Over Rs.A 10.

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