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Banking Assignment On State Bank of Hyderabad

SAVINGS BANK DETAILS
Minimum Balance Need to maintain a minimum balance in the account, as listed in the table: (Amount in Rupees)

TYPE Nature of account Public -Individual Public ± Others Staff ± Individual Pensioners

RURAL CHEQUE 1,000 1,000 1 250 NON-CHEQUE 500 500 1 125

NON-RURAL CHEQUE 2,500 2,500 1 500 NON-CHEQUE 1,000 1,000 1 250

Savings Products Savings Bank Savings Plus SSS Silver SSS Gold Premier Savings GEN-X NRE (Savings)

Features Savings Bank Savings Plus SSS Silver SSS Gold

Eligibility

Individuals including minors and NRIs; HUF Single/Joint

Individuals including minors and NRIs; HUF Single/Joint

Salaried Employees with a tie up with employer

Salaried Employees with take home pay of Rs50,000/-or more with /without a tie up with employer

Purpose

Transaction a/c

Transaction a/c with Sweep & reverse sweep facility for investing in TDR/STDR automatically

Transaction a/c Transaction a/c with option of sweep & reverse sweep facility for investing in TDR/STDR automatically with option of sweep & reverse sweep facility for investing in TDR/STDR automatically

Minimum Balance Stipulation

Metro / UrbanRs1,000/Semi Urban/ Rural-Rs500/Charges for nonmaintenance of minimum balance Rs100/- at Metro/ Urban centers Rs50/- at semiurban/ rural centre

Rs5,000/Charges for non maintainance Rs100/- per month

Nil However, should the customer use a non-State bank group ATM more than once during a month, the minimum balance clause as applicable to normal savings a/c will apply and related

Nil

charges will be applied during the month Premier Savings Eligibility Individuals including minors and NRIs.average quarterly balance.000/. HUF Single/Joint Aimed at High Net worth Individuals GEN-X Resident Individuals-above 18years & up to 30 years of age.00.charges for the non-maintainance ± Rs1. NRE (Savings) Non Resident Individuals including minors Single/ Joint Joint only with another NRI Purpose Transaction a/c with option of sweep & reverse sweep facility for investing in TDR/STDR automatically Transaction a/c Transaction a/c Minimum Balance Stipulation Rs.000 per quarter Rs. 5.1.000/Semi Urban/ RuralRs500/Charges for nonmaintenance of . Single/Joint First a/c holder should be in the above age.000/- Metro / UrbanRs1.

000/(Rupees One Lakh only) in a year. Photograph of the customer.at Metro/ Urban centers Rs50/. OR b) Any other evidence as to the identity and address of the customer to the satisfaction of the Bank.at semiurban/ rural centre Facilities SBH offer: ‡ Nomination ‡ Single and Joint accounts ‡ Services such as payments to LIC and house rent at nominal costs ‡ Free account transfer facility between branches ‡ Half-yearly payment of interest @ 3. The introducer¶s account with the Bank should be atleast six months old and should show satisfactory transactions.1.00. who proposes to open the account and also his / her address need to be certified by the introducer.5% Simplified KYC Procedure Simplified KYC procedure is there for opening accounts of the persons who intend to keep balances not exceeding Rs. .(Rupees Fifty Thousand only) in all their accounts taken together and the total credit in all their accounts taken together not to exceed Rs.50.000/.minimum balance Rs100/. In such cases the accounts may be opened subject to a) Introduction from another account holder who has been subjected to full KYC procedure.

at half-yearly rests is paid on the Savings Bank accounts subject to changes. Can be opened jointly with the operational facillity of ³Either or survivor´. The minimum balance required to be maintained in a Savings Bank account is as under : Currently the min. Savings Bank accounts can be opened by all eligible persons.These accounts are designed to help the individuals (personal customers) to inculcate habit of saving and to meet their future requirement of funds. "Former or Survior". certain organizations and agencies (as approved by the Reserve Bank of India). The number of withdrawals in a Savings Bank account should not exceed 50 per half year in either category of accounts. The amount can be deposited / withdrawn from these accounts by way of cheques / withdrawal slips. Cheque book will be issued for Special Savings Bank accounts only.a. balancs in SB/Ac's are as under. . Savings Bank accounts can be opened with or without cheque book facility. in Rupees Type Rural Cheque NonPublic(ind) Non-Rural Cheque NonCheque Cheque 500 500 250 1 250 250 125 1 1000 1000 500 1 500 500 250 1 Public (others) Pensioners Staff i) Interest @ 3. ii) A passbook is issued in all Savings Bank accounts.50% p. It helps the customers to keep minimum cash at home besides earning interest. "Latter or Survivor" or "Joint" by individuals Cheque / dividend warrants drawn in the name of account holder will only be collected through the account.

Rs.000/Rs.at Rural & Semi Urban.1.Penalty of Rs. and Rs.500/Non-Rural Rs.500/Rs.No frills A/c Minimum Balance Rural Area .2. This enables a large number of people to open accounts with a very low minimum balance of Rs 25/. 1.will be charged per month when balance falls below the stipulated minimum balance.Rs. The bank has introduced 'No Frills SB Account' from 2-1-2006 as per RBI guidelines.125/- Minimum Balance y .250/- Minimum balance Savings Bank Account without Cheque facility y Public Pensioners Rs. 25/- Other Centers .25/-. The bank has introduced simplified KYC norms to open accounts under this account. Savings Bank Accounts with Cheque facility y RURAL Public Pensioners Rs.50/.000/Rs. Account holders will be informed at least one month in advance of any change in the prescribed minimum balance stipulation and the charges that may be levied if the prescribed minimum balance is not maintained.at Urban & Metro Branches SERVICE CHARGES ON DEPOSIT ACCOUNTS Savings Bank A/c . 500/Rs.30/.250/RURAL y Non-Rural Rs. for all Savings Bank accounts. 50/Charges for non maintenance thereof No service charges will be levied for the accounts with minimum balance of Rs.

a.per item. Enquiries relating to old records (more than 12 months old) Rs.with latest balance (additional Rs.per bunch of 40 previous entries.a.a.per occasion NIL CA ± Individuals CA -. Current Account Others In-Operative Accounts SB/CA Rs.Account to be closed. 450/-p.m. Rs.m.300/.100/..100/.Charges for non maintenance thereof Savings Bank Accounts Rural/SemiUrban Other Centres Individuals Rs.300/-p.per occasion Rs.75/-p.75/.25000/NIL Rs.100/-p. . Board Resolution etc Other Savings Bank account facilities Charges for Account Statement Savings Bank Current Account Rs.a.300/-p. 100/.Others Limits upto Rs.150/. Rs. CC&OD under SIB.25000/(except against Bank Deposits) C&I Advances Issue of duplicate Passbook/Statement Rs.250/-p.p. AGR&PER segments Limits over Rs. NIL Rs.m. Rs.p. Addition/Deletion of names in all deposit A/C¶S Changes in operation instructions. If the balance is less than Rs.100/.m. Power of Attorney. Rs.50/.

5/.f.100/.500/Rs. Rs. Current Accounts can be opened by individuals / partnership firms / Private and Public Limited Companies/ HUFs / Specified Associates / Societies / Trusts.Premature Closure of SB/CA accounts before 1 year from date of opening of account.e.50 per leaf CHARGES FOR MULTI CITY CHEQUES Cheque Book Charges Transaction Cost Cheque Return Charges Rs. etc .per cheque leaf for all segments/customers.) Shall be applied in accounts on 30th June & 31st Dec.50/Rs.00 per leaf Rs.at Mechanized Processing centers For non-MICR/ MICR cheques At other centers. Rs. w.50/.220/Others Rs.2.per Transaction Rs.2.100/Rs. Signature attestation / Verification Photo Attestation Charges Stop payment charges Charges for issue of cheque books Individuals Rs. Charges for non-adherence to SB rules.per instrument MICR cheques . Rs.20/.55/. 01-04-2008.per entry( entries over 30 per half year.+ normal service charges for each cheque returned CURRENT ACCOUNT DETAILS: ³Current Account´ means a form of demand deposit wherefrom withdrawals are allowed any number of times depending upon the balance in the account or up to a particular agreed amount and will also include other deposit accounts which are neither Savings Deposit nor Term Deposit.

in Semi-Urban areas Rs 500/. There is no restriction on the number of transactions. and business concerns can open a current account with SBH.in Rural areas . clubs. organizations. What is the minimum balance that is required to be maintained? You need to maintain a minimum balance of Rs 5000/.in Metros Rs 3000/.Individuals. societies. societies and business concerns can open a current account. We also provide statements of accounts and passbooks for cross-verification of transactions. clubs. Are there any restrictions on the number of transactions? No such restrictions. organizations.in urban areas Rs 1000/. Minimum Balance And Maximum Balance TYPE PUBLIC-INDIVDUAL PUBLIC-OTHERS STAFF INDIVIDUAL PENSIONERS RURAL 500 5000 1 1250 NON-RURAL 5000 10000 1 2500 Who can open an account? Individuals. How can I verify my transactions? You will be provided with statements of account of passbook for this purpose.

0.25/.per quarter Unlimited at home branch Free Rs.SBH Power Gain Features Quarterly Average Balance(QAB) Penalty for non-maintenance of QAB Cash Deposit Cash handling charges Drafts Banker¶s Cheque SBH Power Gain Rs.000/Free Instruments drawn on SBH branch ± Free (out of Cheque Collection pocket expenses ±not exceeding Rs.25/-.1.000/Rs.00.Min Rs.2.25/.150/- Cheque Return Protection facility (CRP) ± available only at account maintaining branch (OD limit) OD Interest (for CRP) Corporate Internet Banking (CNIB) SBHPLR + 2% Available free i) Issue charge ± free ii) Transaction charges ± Rs.per cheque upto Rs. Max Rs.000/.(max period of 10 days at a time) Multicity cheque facility .to be collected) Other instruments Rs.1/ Rs1000 Min Rs.00 lacs Rs.25 / Rs.5.3.000/.50/.per cheque for amounts above Rs. Max Rs.00 lacs Issue statements of duplicate Issue of Cheque Books (other cheques) than Multicity Folio Charges Car Loans Free Free Free Pre approved Car Loans Rs.000/.25.25/-.1.5.

5. obtaining photograph (wherever necessary)/ IT PAN/ sending letter of thanks.25. A set of clean OD documents may also be taken for Documents required the OD amount of RS.2500/Silver & Gold salary accounts for all employees of the firm INTER CORE Transactions (Core Power) Normal applicable charges RTGS/ NEFT/ SBHGRPT Normal applicable charges The Current Account application Forms may be used for opening the accounts. if any Cash Credit limit is availed Penalty for closing the account within 12 months Salary Accounts Maximum waiver of Rs.per quarter Unlimited at home branch . A separate undertaking for maintaining the required QAB is to be obtained.for CC accounts Rs. SBH Power Pack Features Quarterly Average Balance (QAB) Penalty for non-maintenance of QAB Cash Deposit SBH Power Pack Rs.000/.000/Rs. as applicable to ordinary current account will be applicable.00.Waiver of Loan processing fee.1000/.000/Terms and conditions such as adherence to the KYC procedure.5.

Max Rs.25/-. if any Cash Credit limit is availed Penalty for closing the account within 12 months Salary Accounts Free Free Free Pre approved Car Loans Maximum waiver of Rs.150/- Cheque Return Protection facility (CRP) ± available only at account maintaining branch (OD limit) OD Interest (for CRP) Corporate Internet Banking (CNIB) SBHPLR + 2% Available free i) Issue charge ± free Multicity cheque facility ii) Transaction charges ± free Issue statements of duplicate Issue of Cheque Books (other cheques) than Multicity Folio Charges Car Loans Waiver of Loan processing fee.to be collected) Other instruments Rs.Cash handling charges Drafts Banker¶s Cheque Free Free Free Instruments drawn on SBH branch ± Free (out of Cheque Collection pocket expenses ±not exceeding Rs.000/.00.50/ Rs1000 Min Rs.for CC accounts Rs.5000/.0.25/.(max period of 10 days at a time) Rs.1.5000/All category of salary accounts for all employees of the firm INTER CORE Transactions (Core Power) Free RTGS/ NEFT/ SBHGRPT Free .

A separate undertaking for maintaining the required QAB is to be obtained.00. Charitable 1 Eligibility Institutions who are required to collect fee and donations from students. obtaining photograph (wherever necessary)/ IT PAN/ sending letter of thanks.The Current Account application Forms may be used for opening the accounts. as applicable to ordinary current account will be applicable.000/The account holder (Institution) is not 3 Transaction charges charged for fee collection can be paid at Non-home branches at a nominal charge of Rs.No Features SBH Power Jyoti Educational Institutions. SBH Power Jyoti Sl. clients and donors 2 Quarterly Average Balance (QAB) Rs. A set of clean OD documents may also be taken for Documents required the OD amount of RS.only 4 a Remittance facilities Inter Transactions Core Charges to be collected manually .000/Terms and conditions such as adherence to the KYC procedure.25.1.50/.

balance in C/Ac's are as under. . Administrators. Lqiuidators etc.1. Trustees. who will help in opening these types of accounts. ¨ Minimum balance as stipulated from time to time is required to be maintained.500/y y Current account application form An Undertaking to maintain 8 Documents required y y y required QAB KYC norms to be adhered to Photographs IT Pan ¨ For opening special types of current accounts in the name of Executors.b 5 Cheque Collection Free facilities Charges to be collected manually Free Internet Banking facility Cash handling charges not levied y No Batch and Trickle feed Transactions y No Overdraft At Non-home branches Cheque Books are not issued Transactions collection permitted / other than fee not 6 Transactions permitted not y y y donations 7 a Penalties Non-maintenance of QAB Closing the account within 12 months Rs.000/. Currently the min. the Branch Manager may be contacted..per quarter b Rs.

¨ Cheques should not be drawn without adequate balance or against uncleared effects. This charge may be varied from time to time. Such cheques shall be paid only after revalidation by the drawer. A charge of Rs. ¨ The cheque book should be kept safely to prevent any misuse and consequential loss to the depostior(s). return of cheques etc.is levied for each ³stop payment´ instruction. by giving a notice containing full details of the cheque in writing to the Bank. non-maintenance of minimum balance.55/.50/ ¨ A cheque. A cheque should not be issued for an amount of less than Rs. The loss of any cheque or the cheque book should be promptly reported to the Bank. will be treated as ³stale´ and shall not be paid.in Rupees Type Rural Non-Rural 5000 10000 1 2500 Public (individual) 2500 Others Staff Pensioners 5000 1 1250 Special Features of CA ¨ No interest is paid on current accounts. ¨ A cheque book is issued in current account and all withdrawals should be made only through the cheque. and the Bank will not pay this cheque after recording ³stop payment´ in its books. in order not to attract the penal provisions of section 138 of the Negotiable Instruments Act. ¨ Payment of a cheque can be stopped by the drawer. ¨ Service charges are levied for cheque books issued. before the cheque is paid. . which is presented more than 6 months after the date of issue.

the applicant (account holder) should declare in the account opening form or seperately that he is not enjoying any facility / facilities from any other bank or branch.Max limit Rs. 2. Type of Account Availability of the Scheme Period of Deposit Amount Of Deposit Rate of Interest Fixed Deposit or Special Term Deposit At all our Branches Min Maturity period of the TDR shall be 5 Years. 1. µL OR S¶ OR Payable Jointly.Declaration by account holder : ¨ As per RBI directive. Min Rs. For Individuals ± Singly or Jointly payable to µE OR S¶. Special Term Deposit: The interest is compounded every quarter and paid on Maturity. In case he has availed any facilities he should declare full particulars thereof indicating the name of the bank and name of the branch wherefrom he has availed these facilities. Fixed Deposit :The interest is paid at Monthly. Nomination Transfer of Account. TERM DEPOSITS DETAILS Product Eligibility Style Of Account SBH TAX SAVER SCHEME All Income Tax Payers having Permanent Account Number (PAN). Nomination facility is available for all individual Accounts Permitted . Half-Yearly and Yearly intervals as per your option. Only the first account holder will be eligible for the deduction from income u/s 80C.100/. As applicable from time to time. Quarterly. Advantage Amount invested in this scheme is eligible for deduction under section 80C of IT ACT. In a financial year.100/. µF OR S¶.1/-lac.and multiples of Rs.

100/. Quarterly. µL OR S¶ OR Payable Jointly Segment Availability of the Scheme Period of Deposit Amount Of Deposit Rate of Interest All Segments At all our Branches 6 Months to 120 Months Min Rs. Half-Yearly and Yearly intervals as per the requirement. Auto renewal of the Deposit on Maturity Product Eligibility Availability of the Scheme RECURRING DEPOSIT SCHEME Open to all Except C&I Segment At all our Branches . The interest is paid at Monthly.Premature Payment Loan Facility Tax Deduction At Source Premature payment is not permissible Loan is also not permitted TDS is applicable as per IT Rules Product Eligibility Style Of Account FIXED DEPOSIT DEPOSIT Open to All. For Individuals ± Singly or Jointly payable to µE OR S¶. Premature Payment Loan Facility Tax Deduction At Source Renewal Nomination facility is available for all individual Accounts Permitted Premature payment is permitted with or without penalty as applicable Loan is permitted in the form of Demand Loan or Cash Key TDS is applicable as per IT Rules.no Max limit As applicable to the term of the Deposit. Nomination Transfer of Account.and multiples of Rs.1000/. µF OR S¶.

Style Of Account Singly Or Jointly and payable to µE OR S¶.and multiples of Rs. no Max limit Rate of Interest As applicable to the term of the Deposit. Period of Deposit Amount Of Deposit Rate of Interest Penalty Nomination Transfer Of Account Premature Payment Loan Facility Min 12 Months & Max 120 Months Min Rs.with multiples of Rs10/-.and multiples of Rs. µL OR S¶ OR Payable Jointly.10000/. µL OR S¶ OR Payable Jointly Personal Segment Can open a Fixed Deposit or Special Term Deposit At all our Branches 1 Year to 5 Years Min Rs. µF OR S¶. Rate of Interest will be 1.5% more than that offered on the Deposit Tax Deduction at Source TDS is not applicable to these accounts irrespective of the interest amount earned on the Deposit Product Eligibility Style Of Account Segment Option Availability of the Scheme Period of Deposit Amount Of Deposit MULTI OPTION DEPOSIT SCHEME (MODS) Individuals Singly or Jointly payable to 'E OR S¶.1000/.100/. Quarterly. Fixed Deposit: The interest is paid at Monthly. Half-Yearly and Yearly intervals as per the requirement. No Max. 1.5000/.1000/-. Special Term : paid at maturity 2. . µF OR S¶.(for new deposit) for further Deposit Min amount is Rs.Limit As applicable to Term Deposits for the same period As applicable to Term Deposits for the same period Nomination facility is available for all individual Accounts Permitted Premature Payment is permitted 80% of the total installments paid to date.

the rest of the amount continues as Term Deposit Nomination Tax Deduction At Source Nomination facility is available for all Accounts TDS is applicable as per IT Rules Product Eligibility SUPER SAVER TERM DEPOSIT All individuals who are eligible to open an account with the bank duly complying with the simplified KYC norms Style Of Account For Individuals ± Singly or Jointly payable to µE OR S¶. The rate payable is 1% below the applicable . µL OR S¶ OR Payable Jointly Type of Account Segment Availability of the Scheme Amount Of Deposit Period of Deposit Rate of Interest Fixes Deposit or Special Term Deposit Personal Segment At all our Branches Min Rs. y Fixed Deposit :The interest is paid at Monthly. Premature Payment Nomination facility is available for all individual Accounts Permitted Premature payment is permitted. As applicable to the term of the Deposit.Advantage You can draw funds from MODS Account into your SB Account by simply issuing a cheque. µF OR S¶.no Max limit These deposits shall be accepted for tenor of 5 to 10 years.and multiples of Rs. The amount gets credited with applicable interest (without penalty).1000/. Half-Yearly and Yearly intervals as per your requirement Nomination Transfer of Account. Quarterly.10000/. y Special Term Deposit: The interest is compounded every quarter and paid on Maturity.

and in multiples of Rs. iii.No 1 PARAMETERS Name of the scheme TERMS RECURRING DEPOSIT PLUS ACCOUNT (RD +) All individuals above the age of 18 years. More than two persons payable to any one or more of them or payable jointly. Loan Facility Tax Deduction At Source Renewal Auto renewal of the Deposit on Maturity Loan is permitted in the form of Demand Loan OR Cash Key TDS is applicable as per IT Rules. Singly OR 2 Eligibility ii.100/- thereof. 8 Interest Penalty for As applicable to regular Recurring Deposit Account delayed As applicable to regular Recurring Deposit Scheme. I. 9 10 payment of instalment.Rate of interest for the Period the Deposit remained with the Bank. Permitted before sanction of loan. Transfer of Account . Recurring Deposit (Term Deposit Account) At all branches of our Bank Minimum 24 Months and in multiples of 12 6 Period of Deposit months there after upto a Maximum of 120 Months. Increase / decrease of instalment at a later date is not permitted. Jointly and payable to E or S / F or S / L or S / Jointly. Sl. 3 4 5 Segment Type of Account Availability of the Scheme All segments except C&I Segment.1000/. Equal monthly instalments with a minimum of 7 Amount of Deposit. Rs.

3 4 5 Segment Type of Account Scheme availability All segments except C&I Segment. ii) Availability of check-off facility iii) Obtention of Post dated cheques.1.5000/-. Sl.No 1 PARAMETERS Name of the scheme TERMS Personal Loans to ³RD +´ Account holders. A) For salaried (Employees): Minimum Net Monthly 3 Income Criteria Salary should be Rs. Clean Demand Loan or Clean Overdraft.00 Lac. B) Other than salaried: Net Annual Income should be Rs. A) For loans to salaried employees any one of the following conditions to be fulfilled. At all our branches A) Minimum: Rs. But no 11 Premature closure interest is payable if prematurely closed before completion of six months. .60000/-. All ³RD +´ account holders after completion of six 2 Eligibility months from the date of opening ³RD+´ Account If the monthly instalments in ³RD +´ Account are regular. B) For others: Post dated cheques with suitable 3rd party guarantee.24000/- 6 Loan Amount B) Maximum: To the extent of the maturity value of ³RD+´ Account with a maximum ceiling of Rs.Premature closure of ³RD +´is permitted. i) Salary to be routed through the Bank with Standing Instructions for appropriation of loan 7 Security instalment every month.

µL OR S¶ OR Payable Jointly Segment Availability of the Scheme Amount Of Deposit Period of Deposit Rate of Interest All Segment At all our Branches Min Rs. If the borrower is an employee. NIL NIL Product Eligibility Style Of Account SPECIAL TERM DEPOSIT Open to All. µF OR S¶.no Max limit 6 Months to 120 Months As applicable to the term of the Deposit. at present.A) Maximum 24 Monthly equated instalments in case of DL Account.50% p. 14. Premature Payment Loan Facility Tax Deduction At Source Nomination facility is available for all individual Accounts Permitted Premature payment is permitted with or without penalty as applicable Loan is permitted in the form of Demand Loan OR Cash Key TDS is applicable as per IT Rules.e. Nomination Transfer of Account.a. For Individuals ± Singly or Jointly payable to µE OR S¶.1000/.100/. The interest is compounded every quarter and paid on Maturity. In case of Overdraft facility the borrower should service the monthly interest as and 8 Repayment when applied and the Overdraft Account should be closed within a maximum period of 2 years.and multiples of Rs. branches may explore the possibility of routing the monthly salary through the Overdraft account.50% above the BPLR i. . 9 10 11 Interest Processing Charges Prepayment Charges 1.

Auto renewal of the Deposit on Maturity SBH 1000 days scheme PARTICULARS Period of Deposit Deposit Amount Type of Account 1000 days Minimum Rs.100/. For Individuals ± Singly or Jointly payable to µE OR S¶.and multiples of Rs.and in multiples of Rs.10.1000/.no Max limit 15 Days to 179 Days For Deposits of Rs.thereof Special Term Deposit & Fixed Deposit with an option to pay monthly interest . the range starts from 7 Days.000/.15/.Renewal Auto renewal of the Deposit on Maturity Product Eligibility Style Of Account SHORT TERM DEPOSIT Open to All. Nomination Transfer of Account. Premature Payment Loan Facility Tax Deduction At Source Renewal Nomination facility is available for all individual Accounts Permitted Premature payment is permitted with or without penalty as applicable Loan is permitted in the form of Demand Loan TDS is applicable as per IT Rules.1. µF OR S¶. µL OR S¶ OR Payable Jointly Segment Availability of the Scheme Amount Of Deposit Period of Deposit All Segment At all our Branches Min Rs.lacs and above. Rate of Interest As applicable to the term of the Deposit. The interest is paid at the time of Maturity.000/.

a.50% p. For Individuals ± Singly or Jointly payable to µE OR S¶.Rate of Interest y y y y Public Senior Citizens Staff . Effective Date Segments Scheme Available at Loan Facility 07-10-2010 All Segments including NRO Accounts All Branches of the Bank Available in the form of Demand Loan or Overdraft facility as per extant guidelines Premature Payment As applicable to the normal deposit schemes Product Eligibility Style Of Account SBH TAX SAVER SCHEME All Income Tax Payers having Permanent Account Number (PAN).8. Type of Account Availability of the Scheme Period of Deposit Amount Of Deposit Rate of Interest Fixed Deposit or Special Term Deposit At all our Branches Min Maturity period of the TDR shall be 5 Years. Special Term Deposit: The interest is compounded every quarter and paid on Maturity.9.1/-lac. Quarterly.Max limit Rs. 2.9. Advantage Amount invested in this scheme is eligible for deduction under section 80C of . In a financial year.50% p.8. µL OR S¶ OR Payable Jointly.00% p.and multiples of Rs.100/. Fixed Deposit :The interest is paid at Monthly. Staff Senior Citizens . Min Rs. Only the first account holder will be eligible for the deduction from income u/s 80C.100/. .00% p.a.a.a. Half-Yearly and Yearly intervals as per your option. . 1. µF OR S¶. As applicable from time to time.

e.( 12. Term of Deposit or Both. Specify the Term of the Deposit. µL OR S¶ OR Payable Jointly Period of Deposit Other Specifications 1 Year to 5 Years. µF OR S¶. y Special Term Deposit: The interest is compounded every quarter and paid on Maturity. Rate of Interest As applicable to the term of the Deposit. Threshold Balance. 1.24. The frequency of such transfer (dates etc) Other Options You can change any of the options given by you at any time i. Specify the threshold balance to be always maintained in SB+ 2.5000/. . 3.balance always in SB+ Account For Individuals ± Singly or Jointly payable to µE OR S¶.IT ACT.36 months) For issue of the Deposit. Nomination Transfer of Account. Premature Payment Loan Facility Tax Deduction At Source Nomination facility is available for all individual Accounts Permitted Premature payment is not permissible Loan is also not permitted TDS is applicable as per IT Rules Product Type of Account Eligibility Segment Availability of the Scheme Amount Of Deposit Style Of Account SAVINGS PLUS Savings Bank Account + MODS All individuals Personal Segment At all our Branches Rs.

y Fixed Deposit :The interest is paid at Monthly. Senior Citizens y We offer half a percent more than the normal rate for Deposits of 1 year and above. y We give 50% concession in maintenance of Min.75% p. Service charge is applicable if the Min.and in multiples of Rs. y Pension Accounts in single names are being converted into Joint Accounts.a.a. . Quarterly.10.8.25% p. -8. PARTICULARS Period of Deposit Deposit Amount Type of Account Rate of Interest 500 days Minimum Rs.thereof Special Term Deposit & Fixed Deposit with an option to pay monthly interest y y y Public Senior Citizens Staff .5000/-. Balance as well as in Service Charges. balance in SB+ Account falls below Rs.000/. the rest of the amount continues as Term Deposit Tax Deduction At Source Service Charge TDS is applicable as per IT Rules. Half-Yearly and Yearly intervals as per your requirement Nomination Advantages Nomination facility is available for all Accounts You can draw funds from MODS Account into your SB+ Account by simply issuing a cheque The amount gets credited with applicable interest (without penalty). .1.000/.a.75% p.7.

It can be opened only by non resident Indians (NRIs) 2.000/.Savings Bank / Current A/C 1.y Staff Senior Citizens . wherein You can view and transact on your account(s) on line 4. . The minimum balance of Rs.10-2010 All Segments including NRO Accounts All Branches of the Bank Available in the form of Demand Loan or Overdraft facility as per extant guidelines Premature Payment As applicable to the normal deposit schemes NRI SERVICES NRI's can open the following types of accounts with SBH  NRE Rupee Account .is to be maintained in Savings Bank a/c.5.25% p.Savings / Current Account  Term Deposit (FDR)  Special Term Deposit  Non-Resident Ordinary (NRO) a/c  Foreign Currency Non Resident (FCNR) a/c  Resident Foreign Currency (RFC) a/c NRE . Effective Date Segments Scheme Available at Loan Facility 07.000/. You can avail Internet Banking facility available.1. It can be opened jointly with another NRI (in case you wish to open the account jointly with your spouse(s) he should also be an NRI).to be maintained in Current account. 5. The minimum balance of Rs. 3.a.9.

6. prior approval of RBI is required. Telegraphic transfers) in permitted currencies.Interest rate for non residence savings bank deposits: 3. Amounts in excess of $5000 USD (or equivalent) in currency or $10. 7. who wish to open an account for the first time with our bank. Remittances from abroad (SWIFT. attestation of signature. Interest/dividend/maturity proceeds of investments made in India on repatriable basis. Customers. 5. For remittance of funds by resident nominee outside India for meeting the liabilities or for similar other purposes of the deceased account holder.000 USD (or equivalent) in Travelers cheques should be accompanied by a Currency Declaration Form. Transfer from another NRE account. 8. the customer are advised to opt for SWIFT remittance quoting the Account Number / Customer Number. Abroad. 4. Funds lying in the NRE Account on the death of an account holder can be repatriated to his non-resident nominee. Nomination can be in favor of residents or non-residents. Name of Branch he / she prefers to transfer the amount .50% Interest rate for non residence current a/c: nil Permissible Credits 1. Personal cheque drawn on your account(s) maintained abroad. should send cheque / draft as initial remittance along with duly filled a/c opening form. 9. Subsequently. to the branch of your choice to enable them to verify your status. Proceeds of Foreign Currency Notes/ Travelers cheques tendered by you in person during your visits to India. 2. Drafts issued by Bank/Exchange Cos. passport copies. photograph. 3.

to the branch of your choice to enable them to verify your status.5. For remittance of funds by resident nominee outside India for meeting the liabilities or for similar other purposes of the deceased account holder. You can open a Special Term Deposit with a nominal amount of Rs. Interest can be drawn monthly / quarterly (conditions) 4. who wish to open an account for the first time with our bank. after the minimum period of 1 year.00 lacs or equivalent of $10. Premature withdrawal permissible subject to 1% penal interest. photograph. Customers.00 lacs or equivalent of $10.000/. Name of Branch he / she prefers to transfer the amount NRE . No interest is payable for deposits of less than 12 months 8. Premature withdrawals permitted (conditions) 4. 6. Minimum period 1 year 2.1. passport copies. for the amounts above Rs. The minimum balance of Rs. No penalty is levied after the minimum period of 1 year. Maximum period 5 years 3. Premature withdrawals permitted (conditions) 5.only. attestation of signature.5.000 USD 7. the customers are advised to opt for SWIFT remittance quoting the Account Number / Customer Number. Funds lying in the NRE Account on the death of an account holder can be repatriated to his non-resident nominee. Principal & interest are fully repatriable. Minimum period 1 year 2.000/. should send cheque / draft as initial remittance along with duly filled a/c opening form. Maximum period 5 years 3. 10. Subsequently.Term Deposit (FDR) 1.to be maintained in Current account. prior approval of RBI is required.000 USD. for the amounts up to Rs. 5. 9.Term Deposits (STDR) Special Term Deposits 1. Premature withdrawals permitted (conditions) . Nomination can be in favour of residents or non-residents.5.

for the amounts up to Rs.00 lacs or equitant of $10. for the amounts above Rs. photograph. 8. 7. 2. from current year earnings including proceeds of sale . Funds lying in the NRE Account on the death of an account holder can be repatriated to his non-resident nominee. Premature withdrawal permissible subject to 1% penal interest. Name of Branch he / she prefers to transfer the amount NRO . Customers. For remittance of funds by resident nominee outside India for meeting the liabilities or for similar other purposes of the deceased account holder. who wish to open an account for the first time with our bank. Accounts can be withdrawn for making local payments in rupees.000 USD. No penalty is levied after the minimum period of 1 year.5.Non-Resident (Ordinary Accounts) 1. the customer are advised to opt for SWIFT remittance quoting the Account Number / Customer Number.5. Fixed Deposits and Special Term Deposits.6. after the minimum period of 1 year. 9. prior approval of RBI is required. Investment in shares / securities / immovable properties on non repatriation basis with general or specific permission from the RBI. 3. should send cheque / draft as initial remittance along with duly filled a/c opening form. 4. Interest earned in NRO a/c is repatriable fully. Principal & interest are fully repatriable. Premature withdrawals permitted (conditions apply) 6.000 USD. Banks are permitted to allow remittance up to $1 million USD per calendar year out of the balances held in NRO account. 7. to the branch of your choice to enable them to verify your status. The principal amount is entirely nonrepatriable. passport copies. attestation of signature. The deposit can be opened in Savings Bank. 5. It can be held jointly with other non-residents or residents. Subsequently. Current Accounts.00 lacs or equivalent of $10. Nomination can be in favour of residents or non-residents.

Bangladesh. Funds lying in the NRO Account on the death of an account holder can be credited to the NRO account of his non-resident nominee 9. 3. 6. Remittance of sale proceeds from other financial assets is also not extended to citizens of Pakistan. Subject to a minimum lock in period of 6 months. without any lock in period. Remittance of assets by person resident outside India other than NRI / PIO out of NRO account. Nepal or Bhutan and who has retired as an employee in India. Rupee loans can be taken in India against the security of the deposit. China. Nepal and Bhutan. Afghanistan. Nepal and Bhutan. 8. Sale proceeds of the assets acquired through inheritance can be remitted. acquired by them when they were resident or out of rupee funds as NRI or PIO. Other Financial Assets: The sale proceeds of other financial assets can also be remitted outside India without any lock in period. Iran. has inherited assets from a resident Indian. a) By the depositor(s) b) By third parties . Assets acquired in India out of rupee / foreign currency funds. 2. Remittance of assets out of a NRO account are permitted in case of a foreign national who is not a citizen of Pakistan. Inherited Assets 1. Sri Lanka. The above facility of repatriation is not extended to citizens of Pakistan. An amount up to $1 million USD per calendar year can be remitted on production of evidence to support the claim by way of inheritance or legacy of assets to the authorized dealer 7. Immovable Property: NRIs and PIO can remit sale proceeds of immovable property. acquired in India out of the rupee or foreign currency funds or by inheritance. Bangladesh. or is a widow residing outside India and has inherited assets of her deceased husband who was a resident Indian. Bangladesh. subject to the satisfaction of authorized dealer. 5.of immovable property. 4.

RFCA .5. Rupee loans can be taken in India against the security of the deposit. 9. 8. FCNR . For remittance of funds by resident nominee outside India for meeting the liabilities or for similar other purposes of the deceased account holder.5. No penalty is levied after the minimum period of 1 year.Resident Foreign Currency Accounts NRIs returning to India for permanent settlement can open RFC accounts. for the amounts ABOVE Rs.Your income in India can be credited to NRO accounts. Foreign currency loans can be availed abroad against the security of FCNR deposits. prior approval of RBI is required. for the amounts up to Rs. 3. after the minimum period of 1 year. 4. The minimum period of deposit is one year and maximum period is 5 years. Nomination can be in favor of residents or non-residents. Premature withdrawal permissible subject to 1% penal interest.00 lacs or equivalent of $10. Euro. . It can be opened jointly with another NRI. 7. 2.000 USD. 6. Funds lying in the NRE Account on the death of an account holder can be repatriated to his non-resident nominee. Sterling Pounds.Foreign Currency Non-Resident Deposit Accounts 1. No interest is payable if the deposit is closed within a year. FCNR accounts can be opened only by an NRI and kept in Term Deposits for fixed periods. Canadian Dollars and Australian Dollars.00 lacs or equivalent of $10.000 USD. 5. Deposits can be opened in USD. Permissible Credits Facility for returning Indians. a) By the depositor(s) b) By third parties 10.

When investor want to sell or purchase securities.. No cheque book issued for RFC(SB) account/Current Account. 3. RFC accounts are at present being opened in USD only. 11. 9. Investor can now hold thier securities as electronic book entries and transfer securities without actually handling physical scripts. Remittances from abroad being sales proceeds of assets held abroad or income earned abroad. Can be opened by PIOs / NRIs returning to India after staying abroad. To maintain outside earnings in convertible foreign exchange. Maintained in USD in Savings Bank / Current account or Term Deposit of 12 / 36 months duration. The accounts can be converted to FCNR / NRE accounts in case the person becomes an NRI again. All NRIs who had been resident outside India for a continuous period for 1 year eligible 4. 12. 7. 8. (Fixed deposits can be closed prematurely without penalty or held till maturity and then credited to RFC a/c) 2. . Interest payable in USD . (NSDL). 6. Joint holding with another person eligible to open RFC account is permitted. OTHER SERVICES Demat/Depository Services: SBH launched depository participant services with National Securities Depository Ltd. you only need to give delivery/instructions to effect a settlement. Balance in NRE / FCNR accounts on arrival in India. Withdrawals can be made for making payments in India and are permitted in Rupees only. Hand in your share certificates with a Demat Request form. 5. Funds can be used to make bonafide payments abroad.can be drawn in India rupees on conversion 10. Proceeds of Foreign currency notes / Travelers cheques brought into India.1.

shares and debentures ‡ Market transfer purchases and sales ‡ Off-Market transfer purchase and sales ‡ Noting pledges SCHEDULE OF CHARGES for individuals and corporate houses Agreement Charges/Stamp Duty Account Opening Account Closing Annual Maintenance Charges Dematerialisation Rematerialisation Rs. ‡ Demat and Remat of securities such as equities. loss.per certificate Minimum Rs.25/. You do not lose out on market opportunities as the securities are available in your account immediately after pay out(T+2 settlement). which permits SBH to perform the following activities: SBH Depository Participant ID NO. for SBH staff and pensioners Rs.a. When customer purchase new issues of securities in the primary market.200/. No stamp duties on transfers of securities. Customer can enjoy preferential treatment to obtain loans against demat shares. The settlement cycle is faster. misplacement.100/None None Rs. Rs. in the demat form. eliminating delays. or damage to scripts. There are no cumbersome transfer deeds to be signed and bonus and rights shares are credited by issuers directly into your demat account.100/. cash components to customers SB/CA accounts maintained at their branch directly through ECS. IN 301397 situated at Gunfoundry.10/.per request .p. Hyderabad.a.2/. customer do not run the risk of theft. bad deliveries. SBH is registered with NSDL as a Depository Participant.Why one should hold securities in dematerialized form? Because.+ Courier charges Rs.p. they are directly credited to his account on allotment.

for others per trade For CP.20/.25/.per request and Rs. minimum Rs.20/. minimum of Rs.04% of value. maximum of Rs.100/.04% of value.40/. whichever is higher 0.20/.500/. minimum of Rs.for others per trade 0.40/.20% of the market value.for retail Off-Market Purchase customers Rs.per trade 0.04% of value.Nil Custody Charges Government Securities 0.per request or invocation None for retail customers Custody Charges Equity 0.100/.per quarter for companies that have paid one time charges For CP.40/.for others per trade 0.20/.02%. minimum of Rs.for retail Off-Market Sale customers Rs.per transaction Rs.40/.25/.for retail customer Market Sale Rs.for others per trade Inter Depository Transactions Pledge: Creation / Confirmation / Closure Rs.Nil 0.for retail Market Purchase Credit customer Rs.per certificate or 0.15% of the value of the holdings as on the last Friday of the month .02% of face value for CP.Transaction Fee Rs.04% of value. minimum of Rs.20/.

Indian Bank. Trading Account with SBICap Securities Limited (SSL). Canara Bank and Bank of Rajasthan which are members of bilateral sharing arrangement. Customer can view the current balance and also a mini statement of the last five transactions on their account. Customer can withdraw from Savings and Current accounts. customer can change the PIN later. The arrangement provides the following set-up: y y y Bank Account with State Bank of Hyderabad (SBH) Demat Account with SBICap Securities Limited (SSL). HDFC Bank. Punjab National Bank. UCO Bank. It saves time and the inconvenience of going to the bank for cash withdrawals. Union Bank of India . Dena Bank. UTI Bank. The card is safe and secure and eliminates the need to carry large amounts of cash. . including overdraft accounts. ATM Services (ATM Cum Debit Card): SBH¶s ATM Debit card services offer customers easy access to money anytime from anywhere. IndusInd Bank.RETAIL TRADING IN GOVERNMENT SECURITIES (G-SEC): Retail Trading in Government Securities( G-SEC) for their customer/retail clients is being introduced. Bank of India. E-Broking (3-in-1 Account): Bank has entered into a franchisee agreement with SBICap Securities Limited (SSL) on 17-012008 to offer the e-broking facility (3 in 1 account) to their customers. ATM cum Debit Cards issued by the Bank can be used at more than 12500 ATMs of Andhra Bank. Any customer of any Branch of the Bank can open e-broking account to transact in share markets. Customers are provided a Personal Identification Number (PIN) when they receive the card. Corporation Bank.

per withdrawal by other Bank's cardholders . as under : Type of Account Saving Bank Account Current Account and KCC Service Balance Enquiry Balance Enquiry Cash Withdrawals: a.e. Rs 20/.000/- per transaction and State Bank Group ATMs will disburse maximum of Rs 10.000/. (i. Upto 5 withdrawal Savings Bank Account transactions at other Bank ATMs in a month b.00. Customers are requested to take note of the revised rates. Free b.other than those under bilateral sharing arrangement.000 ATMs across the world.per withdrawal transaction Rs 20/. No free withdrawal transaction permitted) The maximum amount of withdrawal on other Bank ATMS by our card holders : Rs 10.per withdrawal Current Account and KCC Cash Withdrawals transaction. Maestro or Cirrus Logos. The rates for such usage have been revised with effect from 01-11-2009. Maestro or Cirrus Logos. The Bank¶s International Debit Card can be used at more than 10. Above 5 withdrawal transactions Revised Charges NIL NIL a.ATM cum Debit Cards issued by the Bank can also be used in India at the ATMs. displaying any one or all of MasterCard. displaying any one or all of MasterCard.