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State Bank of India

RETAIL
INTERNET BANKING

State Bank of India

Why Net Banking?

Any where banking


Any Time Banking (24 X 7)
Real Time
Value Added Services
Convenience
New Age Banking
Minimize risk
Reduce queues
Improve customer
satisfaction

State Bank of India

Policy Guidelines 2011-12


Internet Banking

Increase in number of users through


sustained campaigns.
Tie-up with educational institutions/companies
offering tailor made online solutions for their
employees.
Conducting workshops for Corporates to
increase usage of Internet Banking.
Popularizing and marketing of the product ICollect .
Target as on Mar-12 -50% of transactions
through alternate channels

State Bank of India

New Projects launched during the year

Retail :
i-collect: A generic e-payment module for online collection
e-TDR/e-STDR/e-RD: Online opening, enquiry and closure
facility.
Currency Future: Online trading
Tax collection using SBI ATM Card on INB platform.
Online Gift Card request and Top up
Stop payment of Cheques online
Online Multicity Cheque book request
Commercial Tax for AP, UP, Maharashtra, Karnataka(22 States/
UT)
Consolidated view of balance in account summary page
UPSC/SSC fee collection
Introduction of new user role : Limited transaction rights
AS 26: Integration with NSDL for Online Tax Statement

Internet Banking Transaction Growth

State Bank of India

Internet Banking - Daily Average Retail & CorporateTransactions


450

Daily Avg. FY 10-11

Daily Average Transactions (in '000s)

400

Total
393.68

350

300

Retail
268.59
250

200

Daily Avg. FY 09-10

188.59

150

131.69
Daily Avg.FY 08-09

100

50

Daily Avg.FY 07-08


Daily Avg.FY 06-07

9.08
4.55

4.53

2006-2007

39.32
24.91

Corporate
125.09

99.21

52.61

56.90

46.60

14.41
2007-2008

2008-2009

2009-2010

2010-2011

State Bank of India

Internet Banking
www.onlinesbi.com is SBIs initiative to provide
convenience of Internet Banking
Launched on 1st July 2001.
Its is a 24X7, 365 days service channel,
anywhere, anytime
Provides for various banking activities through
Internet
Minimum cost of transaction
Better time management

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Internet Banking - two variants


Retail Internet Banking
( For Personal Segment Customers)
Corporate Internet Banking
(For Non-Personal Segment
Customers)

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Security Features :INB

Customers interest safe and secured


Verisign certified
256-bit SSL encryption technology
Defining of Third party as beneficiary : Secured &
Unique
Multilevel password
Transaction in pre-defined accounts
Transfer up to defined limits
High Security option
Auto expiry of session
Virtual Key Board Facility

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Security Features
Last failed login attempt displayed to Retail
customer
Last five login passwords cannot be repeated
both retail and corporate

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Security Feature - Virtual Key Board

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Security Feature - Encryption


Data from your PC to INB Server goes encrypted,
A complex and compressed form of data packets
Worlds highest level of encryption : 256-bit

Do you know,
which bank
Offers you the highest
Secured Internet Banking ?

State Bank of India

Security Feature Login Password


Pass word is a form of authentication
The customer will be prompted by the system
for change of User ID and PW on the first
login.
The new User ID can be alpha numeric
Minimum 3 and maximum 20 characters
The PW should be alpha numeric with at
least one special character , one alphabet
and one numeric e.g. uop#4716
Min 8 and Max 20 characters.

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Security Feature Profile Password


It is an added Security feature provided in
INB
Profile password is used to manage
beneficiary, change passwords, etc.
It is defined by the customer and not
provided by the bank
If forgotten, it can be reset at the branch

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Retail INB - Features

Account Enquiry
Statement of Account
Money Transfer
Demand Draft & Cheque Book Issue
Stop payment of cheque
E-Tax & also viewing Tax credit statement (Form
26AS)
TDS Enquiry
New Account Opening like e-TDR, e-STDR, RD, CA
Standing Instruction
Scheduling of Payment
Issue of Gift Card

State Bank of India

Value Added Service

Bills Payment e.g. LIC,SBI Card etc


Rail Ticket Booking
Airline ticket Booking
Tax Payment
VISA Money Transfer
Online fee collection facility

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New Features
1. Housing Loan - Notional Interest : New link now available
Enquiries -->Housing Loan Interest
2. Bill payment history now available for the entire period
Bill Payment -->Payment History
3. Last failed attempt to login displayed in the landing page
4. SMS for autopay/scheduled bill pay transactions will be
sent to customer a day in advance to enable customer to
maintain funds in accounts for the transaction
5.For transactions done through internet banking, narration
will include the indicator 'INB' - will be reflected in passbook
too
6. The link to 'View Income Tax Statement' is now placed
in the landing page - ie., in Accounts Summary page

State Bank of India

FORM 26AS

Income Tax Department facilitates a PAN holder to view his


Tax Credit Statement (Form 26AS) online.
Form 26AS contains:
Details of tax deducted on behalf of the taxpayer by
deductors.
Details of tax collected on behalf of the taxpayer by collectors
Advance tax/self assessment tax/regular assessment tax, etc.
deposited by the taxpayers (PAN holders)
Details of tax refunds received during the financial year
Details of the High value Transactions in respect of shares,
mutual fund etc.
The Tax Credit Statement (Form 26AS) are generated wherein
valid PAN has been reported in the TDS statements.

State Bank of India

FORM 26AS

Taxpayers who are registered at the portal


https://incometaxindiaefiling.gov.in can view 26AS by clicking on
'View Tax Credit Statement (Form 26AS)' in "My Account". The
facility is available free of cost.

The facility is available to PANs that are registered with Tax


Information Network for view of 26AS statement. The PAN holder
has to fill up an online Registration form for such purpose.
Thereafter, verification of PAN holder's identity is done by the TINFacilitation Centre personnel either at PAN holder's address or at
the TIN-facilitation center that has been chosen by the PAN
holder. The verification involves a cost at prescribed rates. Once
authorised, the PAN holder can view Tax Credit Statement online.

The facility is available to a PAN holder having net banking


account with any authorized bank. View of Tax Credit
Statement (Form 26AS) is available only if the PAN is mapped
to that particular account. The facility is available for free of
cost

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FIRST LOGIN STEPS - https://www.onlinesbi.com

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Login screen..

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As given in
PPK

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NEW FEATURE

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FOR CHANGING PASSWORD

iINTERNET BANKING

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MOBILE BANKING

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Account Enquiry

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Account Statement

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Account Statement

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Limits on Transactions
Menu Navigation - Profile :Set limits:
SBI has set a limit of Rs.1,00,000- per IOI
transaction and Rs.5,00,000- per Third party
transactions.
The customer has to set his own limits.
A customer who desires to request for IOI or
make Third party transfers needs to set these
limits under Profile section.

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..

Set limits for transactions

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MANAGE BENEFICIARY
For making third party transfers, an user needs
to define a third party under Profile section.
Details of the TP include Name, account
number, branch and the transaction limit for that
third party
The transaction limit set by the customer for
third party has to be less than or equal to the
limit set for third party transfers.

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MANAGE BENEFICIARY

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MANAGE THIRD PARTY

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Third Party Payment

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Enable High Security Option available to customer

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Enable High Security


Addition of Mobile No. in Customers Profile
Mandatory for Third Party Creation, Third
Party Funds Transfer, for adding biller.
Optional for High Security Password during

transaction
New addition or Change in Mobile No.
requires Branch approval
OTP optional upto Rs.10,000.

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Add / or change Mobile no. at the provided space

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One Reference No. e.g. EHS0012345


will be generated at Customers end
INB officer having the rights to approve
Mobile No. either through this reference
no. or from User Id Of the customer

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INB Officer will approve Mobile No. based on customers written request

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On approval Customer will get High


Security Password on his Mobile No. each
time, whenever he adds Third Party or
during funds transfer

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Add Third Party/ Inter Bank Payee/


Visa Beneficiary/ Group Beneficiary
Customer can add Beneficiary to his profile only if:
His Mobile no. has been approved by the branch in Enable High
Security
Or each time Home Branch of customer will approve the
Beneficiary
Third Party- Any account within SBI Max Rs.5 lacs
Inter Bank Payee- Account in any Commercial Bank other than SBI.
Max Rs.5 lacs
VISA Beneficiary- Visa Card holder of any Bank. Max amt per
transaction 25000. Max amt per day per user 50000.

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Add Beneficiary

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Fill the details

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REFERENCE NUMBER

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After filling all the details if customers


mobile no. is registered in high security
then he will get high security password
through SMS on his mobile and can
approve this beneficiary

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Key in High Security Password

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Successful Approval

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If Mobile no. is not registered then


reference no. e.g. IBT000062082 will be
generated
INB Officer at Branch will approve this
reference no.

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INB officer will go to


Request-> Approve Beneficiary
Reference No. IBT000062082

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Approve Beneficiary without reference no.

If reference no. not known then select All

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Select Approve to approve beneficiary

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Successful Approval of Beneficiary

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After approval Customer can Transfer funds


to this Beneficiary from the next day

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Inter Bank Transfer through RTGS/ NEFT

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Inter Bank Transfer through RTGS/ NEFT

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Inter Bank Transfer through RTGS/


NEFT

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Asking for Confirmation

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Successful Fund Transfer

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E-Pay
Users of Onlinesbi.com can make online bill payments. Biller include Electricity
Companies, Telephone, Mobile Phone Companies, SBI Cards, LIC and many
others. Max Rs.5 lacs

Add Biller:

Before making payments, users will have to add Billers.


Billers are listed city-wise.

State Bank of India

E-Pay
View/Pay Bills: The customer can see all his bills here and pay anytime
before Pay by date.
Auto payment option available

View Expired Bills: Expired Bills- Unpaid bills that have


expired will be displayed here. Users are also given an
option to delete the expired bills from this link.
Payment History : All the paid bills will be available for
enquiry

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Add Biller

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Add Biller (cont.)

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Billers Acknowledgement

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Bill Payment

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Payment History

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and Acknowledgement

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REQUEST FOR E-TDR, RD, IOI,SB,CA

INTERNET BANKING

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To pay Direct Tax through the internet:


1. Click the Direct Taxes (OLTAS) link.
2. You are displayed Tax Information Network webpage of Income Tax
Department.
3. Click the challan No. applicable. Enter the PAN, name, address,
assessment year, major head, minor head, type of payment etc.
4. Select State Bank of India from the Bank name list
5. You will be redirected to the Online SBI login page.
6. Enter your Internet Banking user ID and password. Proceed to select
the account from which you wish to pay tax.
7. Enter the tax amount and submit the page.
8. You are displayed a confirmation page indicating the status of the
transaction.
9. Retail customers are also provided with a link to print the e-receipt for
this payment, if the transaction is successful. You can also generate ereceipt subsequently from 'Status Enquiry' link under 'Enquiries' tab.
10. On completion of successful transaction, the challan will be available in
the 'Query by Account' or 'Query by Echeque' link under 'Reports' tab.
INTERNET BANKING

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INTERNET BANKING

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DEMAT ACCOUNT STATMENT

INTERNET BANKING

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MOBILE BANKING

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MOBILE BANKING

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MOBILE BANKING

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MOBILE BANKING

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MOBILE BANKING

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