Sbh
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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 Fixed Deposit Scheme 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 Scheme
Demand 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 Scheme
Software Professional Plus Scheme
Purchase Of Cars
SBH Loans To Family Pensioners
Credit 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 Key
Advance against Shares & Debentures
SARAL Loan Scheme
Commercial and Institutional
Rent Plus Scheme
Take Over Of Advances - Trade & Services
Total Package For Financing Traders (TPFT)
Take Over Of Advances - Other Than Merchant Banking Trade & Services
OverDraft / CashCredit To Contractors
School Plus
Vehcile Loans To Corporates
Small & Medium Enterprises
Special Services To SME Borrowers
Names Of Specialised SSI Branches Charter for SMEs
SME Advances(Specific Schemes) General Purpose Term Loan
Credit Linked Subsidy For Technology Upgradation
KVIC Margin Money
Laghu Udyami Credit Card
Credit 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 Produce Marketing Loans
Cold Storage Unit/Private Ware House Finance
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 Finance For Purchase Of Land For & Sprinklers Agriculture
Crop Loans Scheme Investment Credit Loans
Land Development Finance Scheme Kisan Credit Card Kisan Credit Card Scheme
Accident Insurance Scheme For KCC Holders
Self Help Groups
Agri Clinics & Agri Business Centres Yuva Krishi Plus Scheme
SBH Kisan Star Card 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
Below Rs.1 cr and Rs.1 crore 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 years
7.25
7.25
Above 5 years super saver
7.50
7.50
]
PERSONAL SEGMENT ADVANCES - INTEREST RATES
SCHEME HOUSING LOANS (w.e.f 01-08-2006)
RATE OF INTEREST 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 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 CAR LOANS For New Vehicles For premium cars repayment upto 3 years
As per Housing Loans 10.00% p.a. 11.50%p.a.(SBH PLR) 11.50%p.a.(SBHBPLR) 8.00%p.a.
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
8.50% p.a. (3.00% below BPLR)
At metro & Urban Centers a) Upto 3 years b) Above 3 years upto 5 years c) Above 5 years upto 7 years
Floating 9.00% p.a. 9.25% p.a. 9.50% p.a.
Fixed 9.50% p.a. 9.75% p.a. 10.00% p.a.
At Rural & Semi Urban Centers a) Upto 3 years b) Above 3 years upto 5 years c) Above 5 years upto 7 years
9.00% p.a. 9.25% p.a. 9.50% p.a.
9.50% p.a. 9.75% p.a. 10.00% p.a
Floating Used Vehicles: At all centers: a) Upto 3 years b) Above 3 years and upto 7 years
11.00% p.a. 11.50% p.a.
Fixed 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)
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
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 Fixed Deposit Scheme 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 Scheme
Demand 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 Scheme
Software Professional Plus Scheme
Purchase Of Cars
SBH Loans To Family Pensioners
Credit 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 Key
Advance against Shares & Debentures
SARAL Loan Scheme
Commercial and Institutional
Rent Plus Scheme
Take Over Of Advances - Trade & Services
Total Package For Financing Traders (TPFT)
Take Over Of Advances - Other Than Merchant Banking Trade & Services
OverDraft / CashCredit To Contractors
School Plus
Vehcile Loans To Corporates
Small & Medium Enterprises
Special Services To SME Borrowers
Names Of Specialised SSI Branches Charter for SMEs
SME Advances(Specific Schemes) General Purpose Term Loan
Credit Linked Subsidy For Technology Upgradation
KVIC Margin Money
Laghu Udyami Credit Card
Credit 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 Produce Marketing Loans
Cold Storage Unit/Private Ware House Finance
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 Finance For Purchase Of Land For & Sprinklers Agriculture
Crop Loans Scheme Investment Credit Loans
Land Development Finance Scheme Kisan Credit Card Kisan Credit Card Scheme
Accident Insurance Scheme For KCC Holders
Self Help Groups
Agri Clinics & Agri Business Centres Yuva Krishi Plus Scheme
SBH Kisan Star Card 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
Below Rs.1 cr and Rs.1 crore 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 years
7.25
7.25
Above 5 years super saver
7.50
7.50
]
PERSONAL SEGMENT ADVANCES - INTEREST RATES
SCHEME HOUSING LOANS (w.e.f 01-08-2006)
RATE OF INTEREST 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 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 CAR LOANS For New Vehicles For premium cars repayment upto 3 years
As per Housing Loans 10.00% p.a. 11.50%p.a.(SBH PLR) 11.50%p.a.(SBHBPLR) 8.00%p.a.
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
8.50% p.a. (3.00% below BPLR)
At metro & Urban Centers a) Upto 3 years b) Above 3 years upto 5 years c) Above 5 years upto 7 years
Floating 9.00% p.a. 9.25% p.a. 9.50% p.a.
Fixed 9.50% p.a. 9.75% p.a. 10.00% p.a.
At Rural & Semi Urban Centers a) Upto 3 years b) Above 3 years upto 5 years c) Above 5 years upto 7 years
9.00% p.a. 9.25% p.a. 9.50% p.a.
9.50% p.a. 9.75% p.a. 10.00% p.a
Floating Used Vehicles: At all centers: a) Upto 3 years b) Above 3 years and upto 7 years
11.00% p.a. 11.50% p.a.
Fixed 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)
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
