SBH assaignment

8/8/2019 SBH assaignment

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Banking Assignment

On

State Bank of Hyderabad


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Minimum Balance

Need to maintain a minimum balance in the account, as listed in the table: (Amount in Rupees)

TYPE RURAL NON-RURAL

Nature of account CHEQUE NON-CHEQUE CHEQUE NON-CHEQUE

Public -Individual 1,000 500 2,500 1,000

Public Others 1,000 500 2,500 1,000

Staff Individual 1 1 1 1

Pensioners 250 125 500 250

Savings Products

Savings Bank

Savings Plus

SSS Silver

Premier Savings

GEN-X

NRE (Savings)

Features

Savings Bank Savings Plus SSS Silver SSS Gold

SAVINGS BANK DETAILS

SSS Gold


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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

with option of

sweep &

reverse sweep

facility for

investing in

TDR/STDR

automatically

Transaction a/c

with option of

sweep & reverse

sweep facility for

investing in

TDR/STDR

automatically

Minimum

Balance

Stipulation

Metro / Urban-

Rs1,000/-

Semi Urban/

Rural-Rs500/-

Charges for non-

maintenance of

minimum balance

Rs100/- at Metro/

Urban centers

Rs50/- at semi-

urban/ 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 clauseas applicable to

normal savings

a/c will apply

and related

Nil


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charges will be

applied during

the month

Premier Savings GEN-X NRE (Savings)

Eligibility Individuals including

minors and NRIs; HUF

Single/Joint

Aimed at High Net

worth Individuals

Resident Individuals-above

18years & up to 30 years of

age. Single/Joint

First a/c holder should be in

the above age.

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.1,00,000/- average

quarterly

balance;charges for the

non-maintainance

Rs1,000 per quarter

Rs. 5,000/- Metro / Urban-

Rs1,000/-

Semi Urban/ Rural-

Rs500/-

Charges for non-

maintenance of


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minimum balance

Rs100/- at Metro/

Urban centers

Rs50/- at semi-

urban/ 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 @ 3.5%

Simplified KYC Procedure

Simplified KYC procedure is there for opening accounts of the persons who intend to keep

balances not exceeding Rs.50,000/- (Rupees Fifty Thousand only) in all their accounts taken

together and the total credit in all their accounts taken together not to exceed Rs.1,00,000/-

(Rupees One Lakh only) in a year. In such cases the accounts may be opened subject to

a) Introduction from another account holder who has been subjected to full KYC procedure.

The introducers account with the Bank should be atleast six months old and should show

satisfactory transactions. Photograph of the customer, who proposes to open the account and also

his / her address need to be certified by the introducer.

OR

b) Any other evidence as to the identity and address of the customer to the satisfaction of the

Bank.


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These accounts are designed to help the individuals (personal customers) to inculcate habit of

saving and to meet their future requirement of funds. The amount can be deposited / withdrawn

from these accounts by way of cheques / withdrawal slips. It helps the customers to keep

minimum cash at home besides earning interest.

Savings Bank accounts can be opened by all eligible persons, certain organizations and

agencies (as approved by the Reserve Bank of India).

Savings Bank accounts can be opened with or without cheque book facility.

Can be opened jointly with the operational facillity of Either or survivor, "Former or

Survior", "Latter or Survivor" or "Joint" by individuals

Cheque / dividend warrants drawn in the name of account holder will only be collected

through the account.

The minimum balance required to be maintained in a Savings Bank account is as under :

Currently the min. balancs in SB/Ac's are as under.

in Rupees

Type Rural Non-Rural

Cheque Non- Cheque Non- Cheque Cheque

Public(ind) 500 250 1000 500

Public (others) 500 250 1000 500

Pensioners 250 125 500 250

Staff 1 1 1 1

i) Interest @ 3.50% p.a. at half-yearly rests is paid on the Savings Bank accounts subject to

changes.

ii) A passbook is issued in all Savings Bank accounts. Cheque book will be issued for Special

Savings Bank accounts only.

The number of withdrawals in a Savings Bank account should not exceed 50 per half year in

either category of accounts.


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Penalty of Rs.30/- will be charged per month when balance falls below the stipulated

minimum balance, for all Savings Bank accounts.

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.

The bank has introduced 'No Frills SB Account' from 2-1-2006 as per RBI guidelines.

The bank has introduced simplified KYC norms to open accounts under this account.

This enables a large number of people to open accounts with a very low minimum balance of

Rs 25/- at Rural & Semi Urban, and Rs.50/- at Urban & Metro Branches

SERVICE CHARGES ON DEPOSIT ACCOUNTS

Savings Bank A/c - No frills A/c

Minimum Balance Rural Area - Rs. 25/-

Other Centers - Rs. 50/-

Charges for non maintenance thereof No service charges will be levied for the accounts with

minimum balance of Rs.25/-.

Savings Bank Accounts with Cheque

facility

Minimum balance

RURAL Non-Rural

y Public Rs. 1,000/- Rs.2,500/-y Pensioners Rs.250/- Rs.500/-

Savings Bank Account without Cheque

facility

Minimum Balance

RURAL Non-Rural

y Public Rs. 500/- Rs.1,000/-y Pensioners Rs.125/- Rs.250/-


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Charges for non maintenance thereof

Savings Bank Accounts

Current Account

Rural/SemiUrban Rs.50/- p.m.

Other Centres Rs.100/-p.m.

Individuals Rs.250/-p.m.

Others Rs. 450/-p.m.

In-Operative Accounts SB/CA Rs.75/-p.a.. If the balance is less than Rs.75/- Account

to be closed.

Addition/Deletion of names in all deposit

A/CS

Rs.100/- per occasion

Changes in operation instructions, Power

of Attorney, Board Resolution etc

Rs.100/- per occasion

Other Savings Bank account facilities

Charges for Account Statement

Savings Bank

Current Account

CC&OD under SIB, AGR&PER segments

(except against Bank Deposits)

C&I Advances

NIL

CA Individuals NIL

CA -- Others Rs.300/- p.a.

Limits upto Rs.25000/- NIL

Limits over Rs.25000/- Rs.300/-p.a.

Rs.300/-p.a.

Issue of duplicate Passbook/Statement Rs. 100/- with latest balance (additional Rs.100/- per

bunch of 40 previous entries.

Enquiries relating to old records (more

than 12 months old)

Rs.150/- per item.


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Premature Closure of SB/CA accounts

before 1 year from date of opening of

account.

Individuals Rs.220/-

Others Rs.500/-

Charges for non-adherence to SB rules.

w.e.f. 01-04-2008.

Rs.20/- per entry( entries over 30 per half year.)

Shall be applied in accounts on 30th June & 31st Dec.

Signature attestation / Verification Rs.50/-

Photo Attestation Charges Rs.100/-

Stop payment charges Rs.55/- per instrument

Charges for issue of cheque books MICR cheques - at Mechanized Rs.2.50 per leaf

Processing centers

For non-MICR/ MICR cheques Rs.2.00 per leaf

At other centers.

CHARGES FOR MULTI CITY CHEQUES

Cheque Book Charges Rs.5/- per cheque leaf for all segments/customers.

Transaction Cost Rs.50/- per Transaction

Cheque Return Charges Rs.100/- + normal service charges for each cheque

returned

CURRENT ACCOUNT DETAILS:

Current 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.

Current Accounts can be opened by individuals / partnership firms / Private and Public Limited

Companies/ HUFs / Specified Associates / Societies / Trusts, etc


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Individuals, organizations, clubs, societies, and business concerns can open a current account

with SBH. There is no restriction on the number of transactions. We also provide statements of

accounts and passbooks for cross-verification of transactions.

Minimum Balance And Maximum Balance

TYPE RURAL NON-RURAL

PUBLIC-INDIVDUAL 500 5000

PUBLIC-OTHERS 5000 10000

STAFF INDIVIDUAL 1 1

PENSIONERS 1250 2500

Who can open an account?

Individuals, organizations, clubs, societies and business concerns can open a current account.

Are there any restrictions on the number of transactions?

No such restrictions.

How can I verify my transactions?

You will be provided with statements of account of passbook for this purpose.

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/- in urban areas

Rs 1000/- in Semi-Urban areas

Rs 500/- in Rural areas


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SBH Power Gain

Features SBH Power Gain

Quarterly Average Balance(QAB) Rs.1,00,000/-

Penalty for non-maintenance of QAB Rs.2,000/- per quarter

Cash Deposit Unlimited at home branch

Cash handling charges Free

Drafts Rs.0.25 / Rs.1,000/- Min Rs.25/-; Max Rs.3,000/-

Bankers Cheque Free

Cheque Collection

Instruments drawn on SBH branch Free (out of

pocket expenses not exceeding Rs.25/- to be

collected) Other instruments Rs.1/ Rs1000 Min

Rs.25/-, Max Rs.150/-

Cheque Return Protection facility (CRP)

available only at account maintaining

branch (OD limit)

Rs.25,000/- (max period of 10 days at a time)

OD Interest (for CRP) SBHPLR + 2%

Corporate Internet Banking (CNIB) Available free

Multicity cheque facility

i) Issue charge free

ii) Transaction charges Rs.25/- per cheque upto

Rs.5.00 lacs

Rs.50/- per cheque for amounts above Rs.5.00 lacs

Issue statements of duplicate Free

Issue of Cheque Books (other cheques)

than MulticityFree

Folio Charges Free

Car Loans Pre approved Car Loans


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Waiver of Loan processing fee, if any

Cash Credit limit is availedMaximum waiver of Rs.1000/- for CC accounts

Penalty for closing the account within 12

months

Rs.2500/-

Salary AccountsSilver & Gold salary accounts for all employees of

the firm

INTER CORE Transactions (Core Power) Normal applicable charges

RTGS/ NEFT/ SBHGRPT Normal applicable charges

Documents required

The Current Account application Forms may be used

for opening the accounts.

A separate undertaking for maintaining the required

QAB is to be obtained.

A set of clean OD documents may also be taken for

the OD amount of RS.25,000/-

Terms and conditions such as adherence to the KYC

procedure, obtaining photograph (wherevernecessary)/ IT PAN/ sending letter of thanks, as

applicable to ordinary current account will be

applicable.

SBH Power Pack

Features SBH Power Pack

Quarterly Average Balance (QAB) Rs.5,00,000/-

Penalty for non-maintenance of QAB Rs.5,000/- per quarter

Cash Deposit Unlimited at home branch


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Cash handling charges Free

Drafts Free

Bankers Cheque Free

Cheque Collection

Instruments drawn on SBH branch Free (out of

pocket expenses not exceeding Rs.25/- to be

collected) Other instruments Rs.0.50/ Rs1000 Min

Rs.25/-, Max Rs.150/-

Cheque Return Protection facility (CRP)

available only at account maintaining

branch (OD limit)

Rs.1,00,000/- (max period of 10 days at a time)

OD Interest (for CRP) SBHPLR + 2%

Corporate Internet Banking (CNIB) Available free

Multicity cheque facility

i) Issue charge free

ii) Transaction charges free

Issue statements of duplicate Free

Issue of Cheque Books (other cheques)

than MulticityFree

Folio Charges Free

Car Loans Pre approved Car Loans

Waiver of Loan processing fee, if any

Cash Credit limit is availedMaximum waiver of Rs.5000/- for CC accounts

Penalty for closing the account within 12

monthsRs.5000/-

Salary AccountsAll category of salary accounts for all employees of

the firm

INTER CORE Transactions (Core Power) Free

RTGS/ NEFT/ SBHGRPT Free


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Documents required

The Current Account application Forms may be used

for opening the accounts.

A separate undertaking for maintaining the required

QAB is to be obtained.

A set of clean OD documents may also be taken for

the OD amount of RS.1,00,000/-

Terms and conditions such as adherence to the KYC

procedure, obtaining photograph (wherever

necessary)/ IT PAN/ sending letter of thanks, as

applicable to ordinary current account will be

applicable.

SBH Power Jyoti

Sl.No Features SBH Power Jyoti

1 Eligibility

Educational Institutions, Charitable

Institutions who are required to collect fee

and donations from students, clients and

donors

2Quarterly Average

Balance (QAB)Rs.25,000/-

3 Transaction charges

The account holder (Institution) is not

charged for fee collection can be paid at

Non-home branches at a nominal charge

of Rs.50/- only

4 Remittance facilities

aInter Core

TransactionsCharges to be collected manually


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b Cheque Collection Charges to be collected manually

5 Free facilitiesFree Internet Banking facility

Cash handling charges not levied

6Transactions not

permitted

y No Batch and Trickle feedTransactions

y No Overdrafty At Non-home branchesy Cheque Books are not issuedy Transactions other than fee

collection / donations not

permitted

7 Penalties

aNon-maintenance of

QABRs.1,000/- per quarter

bClosing the account

within 12 monthsRs.500/-

8 Documents required

y Current account application formy An Undertaking to maintain

required QAB

y KYC norms to be adhered toy Photographsy IT Pan

For opening special types of current accounts in the name of Executors, Administrators,

Trustees, Lqiuidators etc., the Branch Manager may be contacted, who will help in opening

these types of accounts.

Minimum balance as stipulated from time to time is required to be maintained. Currently the

min. balance in C/Ac's are as under.


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in Rupees

Type Rural Non-Rural

Public (individual) 2500 5000

Others 5000 10000

Staff 1 1

Pensioners 1250 2500

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. A cheque should not be issued for an amount of less than Rs.50/

A cheque, which is presented more than 6 months after the date of issue, will be treated as

stale and shall not be paid. Such cheques shall be paid only after revalidation by the drawer.

Cheques should not be drawn without adequate balance or against uncleared effects, in order

not to attract the penal provisions of section 138 of the Negotiable Instruments Act.

The cheque book should be kept safely to prevent any misuse and consequential loss to the

depostior(s). The loss of any cheque or the cheque book should be promptly reported to the

Bank.

Payment of a cheque can be stopped by the drawer, by giving a notice containing full details of

the cheque in writing to the Bank, before the cheque is paid, and the Bank will not pay this

cheque after recording stop payment in its books. A charge of Rs.55/- is levied for each

stop payment instruction. This charge may be varied from time to time.

Service charges are levied for cheque books issued, non-maintenance of minimum balance,

return of cheques etc.


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Declaration by account holder :

As per RBI directive, 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. 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.

TERMDEPOSITS DETAILS

Product SBH TAX SAVER SCHEME

Eligibility All Income Tax Payers having Permanent Account Number (PAN).Style Of Account For Individuals Singly or Jointly payable to

E OR S, F OR S, L OR S OR Payable Jointly. Only the first account holder

will be eligible for the deduction from income u/s 80C.

Type of Account Fixed Deposit or Special Term Deposit

Availability of the

Scheme

At all our Branches

Period of Deposit Min Maturity period of the TDR shall be 5 Years.

Amount Of Deposit Min Rs.100/- and multiples of Rs.100/- Max limit Rs.1/-lac. In a financial year.

Rate of Interest As applicable from time to time.

1. Special Term Deposit: The interest is compounded every quarter andpaid on Maturity.

2. Fixed Deposit :The interest is paid at Monthly, Quarterly, Half-Yearlyand Yearly intervals as per your option.

Advantage Amount invested in this scheme is eligible for deduction under section 80C of

IT ACT.

Nomination Nomination facility is available for all individual Accounts

Transfer of Account. Permitted


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Premature Payment Premature payment is not permissible

Loan Facility Loan is also not permitted

Tax Deduction At

Source

TDS is applicable as per IT Rules

Product FIXED DEPOSIT DEPOSIT

Eligibility Open to All.

Style Of Account For Individuals Singly or Jointly payable to E OR S, F OR S, L OR S OR

Payable Jointly

Segment All Segments

Availability of theScheme

At all our Branches

Period of Deposit 6 Months to 120 Months

Amount Of Deposit Min Rs.1000/- and multiples of Rs.100/- no Max limit

Rate of Interest As applicable to the term of the Deposit.

The interest is paid at Monthly, Quarterly, Half-Yearly and Yearly intervals as

per the requirement.



Premature Payment Premature payment is permitted with or without penalty as applicable

Loan Facility Loan is permitted in the form of Demand Loan or Cash Key

Tax Deduction At

Source

TDS is applicable as per IT Rules.

Renewal Auto renewal of the Deposit on Maturity

Product RECURRING DEPOSIT SCHEME

Eligibility Open to all Except C&I Segment

Availability of the

Scheme

At all our Branches


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Style Of Account Singly Or Jointly and payable to E OR S, F OR S, L OR S

OR Payable Jointly.

Period of Deposit Min 12 Months & Max 120 Months

Amount Of Deposit Min Rs.100/- with multiples of Rs10/-, No Max.Limit

Rate of Interest As applicable to Term Deposits for the same period

Penalty As applicable to Term Deposits for the same period


Transfer Of Account Permitted

Premature Payment Premature Payment is permitted

Loan Facility 80% of the total installments paid to date, 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 MULTI OPTION DEPOSIT SCHEME (MODS)

Eligibility Individuals

Style Of Account Singly or Jointly payable to 'E OR S, F OR S, L OR S OR Payable Jointly

Segment Personal Segment

Option Can open a Fixed Deposit or Special Term Deposit

Availability of the

Scheme

At all our Branches

Period of Deposit 1 Year to 5 Years

Amount Of Deposit Min Rs.10000/- and multiples of Rs.1000/- (for new deposit) for further Deposit

Min amount is Rs.5000/- and multiples of Rs.1000/-, no Max limit


1. Special Term : paid at maturity2. Fixed Deposit: The interest is paid at Monthly, Quarterly, Half-Yearly

and Yearly intervals as per the requirement.


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Advantage 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), the rest of

the amount continues as Term Deposit

Nomination Nomination facility is available for all Accounts

Tax Deduction At

Source


Product SUPER SAVER TERM DEPOSIT

Eligibility 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

E OR S, F OR S, L OR S OR Payable Jointly

Type of Account Fixes Deposit or Special Term Deposit

Segment Personal Segment

Availability of the

Scheme

At all our Branches


Period of Deposit These deposits shall be accepted for tenor of 5 to 10 years.


y Special Term Deposit: The interest is compounded every quarter andpaid on Maturity.

y Fixed Deposit :The interest is paid at Monthly, Quarterly, Half-Yearlyand Yearly intervals as per your requirement



Premature Payment Premature payment is permitted. The rate payable is 1% below the applicable


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Rate of interest for the Period the Deposit remained with the Bank.

Loan Facility Loan is permitted in the form of Demand Loan OR Cash Key

Tax Deduction At

Source



Sl.No PARAMETERS TERMS

1 Name of the schemeRECURRING DEPOSIT PLUS ACCOUNT (RD

+)

2 Eligibility

All individuals above the age of 18 years.

I. Singly OR

ii. Jointly and payable to E or S / F or S / L or S /

Jointly.

iii. More than two persons payable to any one or

more of them or payable jointly.

3 Segment All segments except C&I Segment.

4 Type of Account Recurring Deposit (Term Deposit Account)

5 Availability of the Scheme At all branches of our Bank

6 Period of Deposit

Minimum 24 Months and in multiples of 12

months there after upto a Maximum of 120

Months.

7 Amount of Deposit.

Equal monthly instalments with a minimum of

Rs.1000/- and in multiples of Rs.100/-

thereof. Increase / decrease of instalment at a later

date is not permitted.

8 InterestAs applicable to regular Recurring Deposit

Account

9Penalty for delayed

payment of instalment.

As applicable to regular Recurring Deposit

Scheme.

10 Transfer of Account Permitted before sanction of loan.


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11 Premature closure

Premature closure of RD +is permitted. But no

interest is payable if prematurely closed before

completion of six months.

Sl.No PARAMETERS TERMS

1 Name of the scheme Personal Loans to RD + Account holders.

2 Eligibility

All RD + account holders after completion of six

months from the date of opening RD+ Account If

the monthly instalments in RD + Account are

regular.

3 Income Criteria

A) For salaried (Employees): Minimum Net Monthly

Salary should be Rs.5000/-.

B) Other than salaried: Net Annual Income should be

Rs.60000/-.

3 Segment All segments except C&I Segment.

4 Type of Account Clean Demand Loan or Clean Overdraft.

5 Scheme availability At all our branches

6 Loan Amount

A) Minimum: Rs.24000/-B) Maximum: To the extent of the maturity value of

RD+ Account with a maximum ceiling of Rs.1.00

Lac.

7 Security

A) For loans to salaried employees any one of the

following conditions to be fulfilled.

i) Salary to be routed through the Bank with

Standing Instructions for appropriation of loan

instalment every month.

ii) Availability of check-off facility

iii) Obtention of Post dated cheques.

B) For others: Post dated cheques with suitable

3rd

party guarantee.


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8 Repayment

A) Maximum 24 Monthly equated instalments in case

of DL Account. In case of Overdraft facility the

borrower should service the monthly interest as and

when applied and the Overdraft Account should be

closed within a maximum period of 2 years. If the

borrower is an employee, branches may explore the

possibility of routing the monthly salary through the

Overdraft account.

9 Interest 1.50% above the BPLR i.e. 14.50% p.a. at present.

10 Processing Charges NIL

11 Prepayment Charges NIL

Product SPECIAL TERM DEPOSIT




Segment All Segment

Availability of the

Scheme

At all our Branches


Period of Deposit 6 Months to 120 Months


The interest is compounded every quarter and paid on Maturity.




Loan Facility Loan is permitted in the form of Demand Loan OR Cash Key

Tax Deduction At

Source



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Product SHORT TERM DEPOSIT




Segment All Segment

Availability of the

Scheme

At all our Branches


Period of Deposit 15 Days to 179 Days

For Deposits of Rs.15/- lacs and above, the range starts from 7 Days.


The interest is paid at the time of Maturity.




Loan Facility Loan is permitted in the form of Demand Loan

Tax Deduction At

Source



SBH 1000 days scheme

PARTICULARS

Period of Deposit 1000 days

Deposit Amount Minimum Rs.10,000/- and in multiples of Rs.1,000/- thereof

Type of Account Special Term Deposit & Fixed Deposit with an option to pay monthly interest


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Rate of Interest y Public - 8.00% p.a.y Senior Citizens - 8.50% p.a.y Staff - 9.00% p.a.y Staff Senior Citizens - 9.50% p.a.

Effective Date 07-10-2010

Segments All Segments including NRO Accounts

Scheme Available at All Branches of the Bank

Loan Facility Available in the form of Demand Loan or Overdraft facility as per extant

guidelines

Premature Payment As applicable to the normal deposit schemes

Product SBH TAX SAVER SCHEME

Eligibility All Income Tax Payers having Permanent Account Number (PAN).


E OR S, F OR S, L OR S OR Payable Jointly. Only the first account holder

will be eligible for the deduction from income u/s 80C.

Type of Account Fixed Deposit or Special Term DepositAvailability of the

Scheme

At all our Branches

Period of Deposit Min Maturity period of the TDR shall be 5 Years.

Amount Of Deposit Min Rs.100/- and multiples of Rs.100/- Max limit Rs.1/-lac. In a financial year.

Rate of Interest As applicable from time to time.

1. Special Term Deposit: The interest is compounded every quarter andpaid on Maturity.

2. Fixed Deposit :The interest is paid at Monthly, Quarterly, Half-Yearlyand Yearly intervals as per your option.

Advantage Amount invested in this scheme is eligible for deduction under section 80C of


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IT ACT.



Premature Payment Premature payment is not permissible

Loan Facility Loan is also not permitted

Tax Deduction At

Source


Product SAVINGS PLUS

Type of Account Savings Bank Account + MODS

Eligibility All individualsSegment Personal Segment

Availability of the

Scheme

At all our Branches

Amount Of Deposit Rs.5000/- balance always in SB+ Account



Period of Deposit 1 Year to 5 Years.

Other Specifications 1. Specify the threshold balance to be always maintained in SB+2. Specify the Term of the Deposit.( 12,24,36 months) For issue of the

Deposit.

3. The frequency of such transfer (dates etc)Other Options You can change any of the options given by you at any time

i.e. Threshold Balance, Term of Deposit or Both.


y Special Term Deposit: The interest is compounded every quarter andpaid on Maturity.


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y Fixed Deposit :The interest is paid at Monthly, Quarterly, Half-Yearlyand Yearly intervals as per your requirement

Nomination Nomination facility is available for all Accounts

Advantages 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), the rest of

the amount continues as Term Deposit

Tax Deduction At

Source


Service Charge Service charge is applicable if the Min. balance in SB+ Account falls below

Rs.5000/-.

Senior Citizens

y We offer half a percent more than the normal rate for Deposits of 1 year andabove.

yWe give 50% concession in maintenance of Min. Balance as well as in ServiceCharges.

y Pension Accounts in single names are being converted into Joint Accounts.

PARTICULARS

Period of Deposit 500 days

Deposit Amount Minimum Rs.10,000/- and in multiples of Rs.1,000/- thereof

Type of Account Special Term Deposit & Fixed Deposit with an option to pay monthly interest

Rate of Interest y Public - 7.75% p.a.y Senior Citizens - 8.25% p.a.y Staff -8.75% p.a.


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y Staff Senior Citizens - 9.25% p.a.

Effective Date 07.10-2010

Segments All Segments including NRO AccountsScheme Available at All Branches of the Bank

Loan Facility 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 - 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 - Savings Bank / Current A/C

1. It can be opened only by non resident Indians (NRIs)2. 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).

3. You can avail Internet Banking facility available, wherein You can view and transact onyour account(s) on line

4. The minimum balance of Rs.1,000/- is to be maintained in Savings Bank a/c.5. The minimum balance of Rs.5,000/- to be maintained in Current account.


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Interest rate for non residence savings bank deposits: 3.50%

Interest rate for non residence current a/c: nil

Permissible Credits

1. Remittances from abroad (SWIFT, Telegraphic transfers) in permitted currencies.2. Personal cheque drawn on your account(s) maintained abroad.3. Proceeds of Foreign Currency Notes/ Travelers cheques tendered by you in person during

your visits to India.

4. Amounts in excess of $5000 USD (or equivalent) in currency or $10,000 USD (orequivalent) in Travelers cheques should be accompanied by a Currency DeclarationForm.

5. Drafts issued by Bank/Exchange Cos. Abroad.6. Transfer from another NRE account.7. Interest/dividend/maturity proceeds of investments made in India on repatriable basis.8. Nomination can be in favor of residents or non-residents.9. Funds lying in the NRE Account on the death of an account holder can be repatriated to

his non-resident nominee. For remittance of funds by resident nominee outside India for

meeting the liabilities or for similar other purposes of the deceased account holder, prior

approval of RBI is required.

Customers, who wish to open an account for the first time with our bank, should send cheque /

draft as initial remittance along with duly filled a/c opening form, passport copies, photograph,

attestation of signature, to the branch of your choice to enable them to verify your status.

Subsequently, the customer are advised to opt for SWIFT remittance quoting the Account

Number / Customer Number, Name of Branch he / she prefers to transfer the amount


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Term Deposit (FDR)

1. Minimum period 1 year2. Maximum period 5 years3. Interest can be drawn monthly / quarterly (conditions)4. Premature withdrawals permitted (conditions)5. No penalty is levied after the minimum period of 1 year, for the amounts up to Rs.5.00

lacs or equivalent of $10,000 USD.

6. Premature withdrawal permissible subject to 1% penal interest, after the minimum periodof 1 year, for the amounts above Rs.5.00 lacs or equivalent of $10,000 USD

7. No interest is payable for deposits of less than 12 months8.

Principal & interest are fully repatriable.

9. Nomination can be in favour of residents or non-residents. Funds lying in the NREAccount on the death of an account holder can be repatriated to his non-resident nominee.

For remittance of funds by resident nominee outside India for meeting the liabilities or

for similar other purposes of the deceased account holder, prior approval of RBI is

required.

10.The minimum balance of Rs.5,000/- to be maintained in Current account.Customers, who wish to open an account for the first time with our bank, should send cheque /



Subsequently, the customers are advised to opt for SWIFT remittance quoting the Account


NRE - Term Deposits (STDR) Special Term Deposits

1. Minimum period 1 year2. Maximum period 5 years3. Premature withdrawals permitted (conditions)4. You can open a Special Term Deposit with a nominal amount of Rs.1,000/- only.5. Premature withdrawals permitted (conditions)


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6. No penalty is levied after the minimum period of 1 year, for the amounts up to Rs.5.00lacs or equitant of $10,000 USD.

7. Premature withdrawal permissible subject to 1% penal interest, after the minimum periodof 1 year, for the amounts above Rs.5.00 lacs or equivalent of $10,000 USD.

8. Principal & interest are fully repatriable.9. Nomination can be in favour of residents or non-residents. Funds lying in the NRE

Account on the death of an account holder can be repatriated to his non-resident nominee.


for similar other purposes of the deceased account holder, prior approval of RBI is

required.

Customers, who wish to open an account for the first time with our bank, should send cheque /



Subsequently, the customer are advised to opt for SWIFT remittance quoting the Account


NRO - Non-Resident (Ordinary Accounts)

1. It can be held jointly with other non-residents or residents.2. The deposit can be opened in Savings Bank, Current Accounts, Fixed Deposits and

Special Term Deposits.

3. Accounts can be withdrawn for making local payments in rupees.4. Investment in shares / securities / immovable properties on non repatriation basis with

general or specific permission from the RBI.

5. Premature withdrawals permitted (conditions apply)6. Interest earned in NRO a/c is repatriable fully. The principal amount is entirely non-

repatriable.

7. Banks are permitted to allow remittance up to $1 million USD per calendar year out ofthe balances held in NRO account, from current year earnings including proceeds of sale


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of immovable property, acquired in India out of the rupee or foreign currency funds or by

inheritance.

Inherited Assets

1. Sale proceeds of the assets acquired through inheritance can be remitted, without anylock in period, subject to the satisfaction of authorized dealer.

2. Assets acquired in India out of rupee / foreign currency funds.3. Immovable Property: NRIs and PIO can remit sale proceeds of immovable property,

acquired by them when they were resident or out of rupee funds as NRI or PIO. Subject

to a minimum lock in period of 6 months.

4. Other Financial Assets: The sale proceeds of other financial assets can also be remittedoutside India without any lock in period.

5. Remittance of assets by person resident outside India other than NRI / PIO out of NROaccount.

6. Remittance of assets out of a NRO account are permitted in case of a foreign nationalwho is not a citizen of Pakistan, Bangladesh, Nepal or Bhutan and who has retired as an

employee in India; has inherited assets from a resident Indian; or is a widow residing

outside India and has inherited assets of her deceased husband who was a resident Indian.

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. The above facility of repatriation is not extended to citizens of Pakistan, China,Bangladesh, Sri Lanka, Afghanistan, Iran, Nepal and Bhutan. Remittance of sale

proceeds from other financial assets is also not extended to citizens of Pakistan,

Bangladesh, Nepal and Bhutan.

8. Funds lying in the NRO Account on the death of an account holder can be credited to theNRO account of his non-resident nominee

9. Rupee loans can be taken in India against the security of the deposit.a) By the depositor(s)

b) By third parties


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Your income in India can be credited to NRO accounts.

FCNR- Foreign Currency Non-Resident Deposit Accounts

1. FCNR accounts can be opened only by an NRI and kept in Term Deposits for fixedperiods.

2. It can be opened jointly with another NRI.3. Nomination can be in favor of residents or non-residents. Funds lying in the NRE

Account on the death of an account holder can be repatriated to his non-resident nominee.


for similar other purposes of the deceased account holder, prior approval of RBI isrequired.

4. Deposits can be opened in USD, Euro, Sterling Pounds, Canadian Dollars and AustralianDollars.

5. The minimum period of deposit is one year and maximum period is 5 years.6. No penalty is levied after the minimum period of 1 year, for the amounts up to Rs.5.00

lacs or equivalent of $10,000 USD.

7. Premature withdrawal permissible subject to 1% penal interest, after the minimum periodof 1 year, for the amounts ABOVE Rs.5.00 lacs or equivalent of $10,000 USD.

8. No interest is payable if the deposit is closed within a year.9. Rupee loans can be taken in India against the security of the deposit.

a) By the depositor(s)

b) By third parties

10.Foreign currency loans can be availed abroad against the security of FCNR deposits.

RFCA - Resident Foreign Currency Accounts NRIs returning to India for permanent settlement

can open RFC accounts.

Permissible Credits

Facility for returning Indians.


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1. Balance in NRE / FCNR accounts on arrival in India. (Fixed deposits can be closedprematurely without penalty or held till maturity and then credited to RFC a/c)

2. To maintain outside earnings in convertible foreign exchange.3. All NRIs who had been resident outside India for a continuous period for 1 year eligible4. Remittances from abroad being sales proceeds of assets held abroad or income earned

abroad.

5. Proceeds of Foreign currency notes / Travelers cheques brought into India.6. RFC accounts are at present being opened in USD only. Can be opened by PIOs / NRIs

returning to India after staying abroad.

7. Maintained in USD in Savings Bank / Current account or Term Deposit of 12 / 36 monthsduration.

8. No cheque book issued for RFC(SB) account/Current Account.9. Interest payable in USD - can be drawn in India rupees on conversion10.Joint holding with another person eligible to open RFC account is permitted.11.Funds can be used to make bonafide payments abroad.12.Withdrawals can be made for making payments in India and are permitted in Rupees

only.

The accounts can be converted to FCNR / NRE accounts in case the person becomes an NRI

again.

OTHERSERVICES

Demat/Depository Services:

SBH launched depository participant services with National Securities Depository Ltd.,

(NSDL). Investor can now hold thier securities as electronic book entries and transfer securities

without actually handling physical scripts. Hand in your share certificates with a Demat Request

form. When investor want to sell or purchase securities, you only need to give

delivery/instructions to effect a settlement.


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Why one should hold securities in dematerialized form?

Because, in the demat form, customer do not run the risk of theft, loss, misplacement, bad

deliveries, or damage to scripts. No stamp duties on transfers of securities.

The settlement cycle is faster. You do not lose out on market opportunities as the securities are

available in your account immediately after pay out(T+2 settlement). There are no cumbersome

transfer deeds to be signed and bonus and rights shares are credited by issuers directly into your

demat account, cash components to customers SB/CA accounts maintained at their branch

directly through ECS, eliminating delays.

When customer purchase new issues of securities in the primary market, they are directly

credited to his account on allotment. Customer can enjoy preferential treatment to obtain loans

against demat shares. SBH is registered with NSDL as a Depository Participant, which permits

SBH to perform the following activities:

SBH Depository Participant ID NO. IN 301397 situated at Gunfoundry, Hyderabad.

Demat and Remat of securities such as equities, 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

DutyRs.100/-

Account Opening None

Account Closing None

Annual Maintenance

ChargesRs.200/- p.a.

Dematerialisation Rs.100/- p.a. for SBH staff and pensioners

RematerialisationRs.2/- per certificate Minimum Rs.10/- +

Courier charges Rs.25/- per request


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Transaction FeeRs.25/- per certificate or 0.20% of the market

value, whichever is higher

Market Purchase Credit

0.04% of value, minimum of Rs.20/- for retail

customer

Rs.40/- for others per trade

For CP- Nil

Market Sale

0.04% of value, minimum Rs.20/- for retail

customer


0.02% of face value for CP, maximum of

Rs.500/- per trade

Off-Market Purchase


customers


Off-Market Sale


customers


Inter Depository

TransactionsRs.20/- per transaction

Pledge: Creation /

Confirmation / Closure

Rs.100/- per request and Rs.100/- per request

or invocation

Custody Charges Equity

None for retail customers

0.02%, minimum of Rs.25/- per quarter for

companies that have paid one time charges

For CP- Nil

Custody Charges

Government Securities

0.15% of the value of the holdings as on the

last Friday of the month


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RETAIL TRADING IN GOVERNMENT SECURITIES (G-SEC):

Retail Trading in Government Securities( G-SEC) for their customer/retail clients is being

introduced.

E-Broking (3-in-1 Account):

Bank has entered into a franchisee agreement with SBICap Securities Limited (SSL) on 17-01-

2008 to offer the e-broking facility (3 in 1 account) to their customers.

The arrangement provides the following set-up:

y Bank Account with State Bank of Hyderabad (SBH)y Demat Account with SBICap Securities Limited (SSL).y Trading Account with SBICap Securities Limited (SSL).

Any customer of any Branch of the Bank can open e-broking account to transact in share

markets.

ATM Services (ATM Cum Debit Card):

SBHs ATM Debit card services offer customers easy access to money anytime from anywhere.

The card is safe and secure and eliminates the need to carry large amounts of cash. It saves time

and the inconvenience of going to the bank for cash withdrawals.

Customer can withdraw from Savings and Current accounts, including overdraft accounts.

Customer can view the current balance and also a mini statement of the last five transactions on

their account. Customers are provided a Personal Identification Number (PIN) when they

receive the card. customer can change the PIN later.

ATM cum Debit Cards issued by the Bank can be used at more than 12500 ATMs of Andhra

Bank, Bank of India, Corporation Bank, Dena Bank, HDFC Bank, Indian Bank, IndusInd Bank,

Punjab National Bank, UCO Bank, Union Bank of India , UTI Bank, Canara Bank and Bank of

Rajasthan which are members of bilateral sharing arrangement.


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ATM cum Debit Cards issued by the Bank can also be used in India at the ATMs,other than

those under bilateral sharing arrangement, displaying any one or all of MasterCard, Maestro or

Cirrus Logos. The Banks International Debit Card can be used at more than 10,00,000 ATMs

across the world, displaying any one or all of MasterCard, Maestro or Cirrus Logos. The rates for

such usage have been revised with effect from 01-11-2009. Customers are requested to take note

of the revised rates, as under :

Type of Account Service Revised Charges

Saving Bank Account Balance Enquiry NIL

Current Account and

KCCBalance Enquiry NIL

Savings Bank Account

Cash Withdrawals:

a. Upto 5 withdrawaltransactions at other Bank

ATMs in a month

b. Above 5 withdrawaltransactions

a. Freeb. Rs 20/- per

withdrawal

transaction

Current Account and

KCCCash Withdrawals

Rs 20/- per withdrawal

transaction. (i.e. No free

withdrawal transaction

permitted)

The maximum amount of withdrawal on other Bank ATMS by our card holders : Rs 10,000/-

per transaction and State Bank Group ATMs will disburse maximum of Rs 10,000/- per

withdrawal by other Bank's cardholders