ATM STUDY MATERIAL FOR PROMOTION 2014-15- BY PRADEEP KAND CM(SYSTEMS) SBLC PUNE

NUMBER OF ATM 31.03.2013 March .2014

STATE BANK 32750 38011
Average uptime 96.73 96.85%(feb 14)
Average hits 217(feb 2014)
CA! "#$%&A'"%#
(Sl. No. : 579/2013 14 Cir No. : CS&NB/CS&NB-DEBITCRD/23/2013 14 ,September 02,2013. )
The following cards are discontinued vide above mentioned circular
1. State Bank Silver International Debit Card
2. State Bank Gold International Debit Card
3. State Bank Yuva International Debit Card
A new card Global card was introduced. The card is to be issued to those custoers who
consent to issuance o! an International Debit Card but do not !all under Gold and "latinu
cate#ories. $The instructions were to co%l& with 'BI instructions that Global card be
issued onl& on deand o! the custoer.(
1) (tate )a*+ C,assi- !ebit Car.
'/pe 0f Car. Doestic $valid in India() *a#netic Stri%e
"ssua*-e -riteria
To be issued b& de!ault to custoers unless
International Debit Card is re+uested.
!ai,/ Cash 1imit at A'&s 's ,-.---/)
!ai,/ 20( 1imit 's 0-.---/)
3a,i.it/ 2- &ears
2) (tate )a*+ 4,0ba, !ebit Car.
'/pe 0f Car. International) Chi% 1 *a#netic Stri%e
"ssua*-e -riteria
To be issued to those custoers who consent to issuance
o! an International Debit Card but do not !all under Gold
and "latinu cate#ories.
!ai,/ Cash 1imit at A'&s Doestic2 's. ,-.---/)
International2 3orei#n currenc& e+uivalent o! the dail& cash
ru%ee liit
!ai,/ 2ur-hase 1imit Doestic2 's. 40.---/)
International2 3orei#n currenc& e+uivalent o! the dail&
%urchase ru%ee liit
3a,i.it/ 11/2-22
ATM STUDY MATERIAL FOR PROMOTION 2014-15- BY PRADEEP KAND CM(SYSTEMS) SBLC PUNE
3) (tate )a*+ 40,. "*ter*ati0*a, !ebit Car.
'/pe 0f Car. International) Chi% 1 *a#netic Stri%e
"ssua*-e -riteria Custoers havin# Avera#e 5uarterl& Balance $A5B(
iniu 's. 0-.---/) in SB/CA 6'
De%ositors havin# de%osit o! 78 's. 0 lacs 9 's. 1-
lacs 6'
:oe ;oan borrowers havin# liit o! 78 's. 1- lacs
9 2- lacs 6'
Car ;oan borrowers havin# liit o! 7 8 's. 3 lacs 9
's. 0 lacs
!ai,/ Cash 1imit at
A'&s
Doestic2 's. 0-.---/)
International2 3orei#n currenc& e+uivalent o! the dail&
cash ru%ee liit
!ai,/ 2ur-hase 1imit Doestic2 's. 2.--.---/)
International2 3orei#n currenc& e+uivalent o! the dail&
%urchase ru%ee liit
C0mp,ime*tar/
i*sura*-e
"ersonal Accident Insurance to the e<tent o! 's.
2.--.---/)
"urchase "rotection to the e<tent o! 's. 0.---/)
3a,i.it/ 11/2-22
4) (tate )a*+ 2,ati*um "*ter*ati0*a, !ebit Car.
'/pe 0f Car. International) Chi% 1 *a#netic Stri%e
"ssua*-e -riteria Custoers havin# Avera#e 5uarterl& Balance $A5B(
iniu 's. 1 lac in SB/CA 6'
De%ositors havin# de%osit o! 7 's. 1- lacs 6'
:oe ;oan borrowers havin# liit o! 78 's.2- lacs
6'
Car ;oan borrowers havin# liit o! 7 8 's. 0 lacs
!ai,/ Cash 1imit at A'&s Doestic2 's. 1.--.---/)
International2 3orei#n currenc& e+uivalent o! the dail& cash
ru%ee liit
!ai,/ 2ur-hase 1imit Doestic2 's. 2.--.---/)
International2 3orei#n currenc& e+uivalent o! the dail&
%urchase ru%ee liit
C0mp,ime*tar/
i*sura*-e
"ersonal Accident Insurance to the e<tent o! 's. 0.--.---/)
"urchase "rotection to the e<tent o! 's. 0-.---/)
3or co%lete details. %lease re!er to Circular =o. 2
CS>=B/CS>=B)D?BITC'D/@3/2-12)13 dated *arch 22. 2-13.
3a,i.it/ 11/2-22
(tate )a*+ !ebit Car. ,0/a,t/ pr0gramme5 $ree.0me6ar.75
ATM STUDY MATERIAL FOR PROMOTION 2014-15- BY PRADEEP KAND CM(SYSTEMS) SBLC PUNE
State Bank Debit Cardholders are awarded 1 %oint !or ever& 's. 2--/) s%ent on "oint o! Sale/e)
Coerce.
Bonus "oints
"oints earned are tri%led i! 3 "oS/e)Coerce transactions are co%leted in a calendar
+uarter on "latinu Cards
"oints earned are doubled i! 3 "oS/e)Coerce transactions are co%leted in a
calendar +uarter on all other Card variants
Activation Bonus
0- %oints on !irst %urchase usin# Debit Card within co%letion o! one calendar onth
o! issuance 0- %oints on second %urchase usin# Debit Card within co%letion o! one
calendar onth o! issuance. 1-- %oints on third %urchase usin# Debit Card within
co%letion o! one calendar onth o! issuance
3reedo "oints not redeeed will e<%ire at the end o! 1A onths e<cludin# the onth o!
accrual. "oints need to be redeeed within this %eriod. 3or !urther details. %lease visit
www.!reedorewardB.co.
(&8 "#('A !82%("' CA!
Sl. No. : 241/2012 13 Cir!"#r No. : CS&NB/CS&NB-$$I/1%/2012 13 T&!r'(#),*!+e 14,2012.)
Cash can be deposited by the way of currency notes only.
Maximum amount of currency notes deposited can be upto 200 pieces with the maximum
limit of Rs.!!00"# per transaction.
$s regards use of cards through %reen Channel Counter at the branches& there is no
limit on the number of pieces of currency notes. 'owever& the maximum amount that can
be deposited is restricted to Rs.0000"# only at present.
Issue o C!"# F"ee $!%&#&'( o" 10 (e!"s.
(uplicate " Replacement Card Rs.200"# ) taxes *ssue of Re#+*, Rs.-0"# ) taxes
ATM STUDY MATERIAL FOR PROMOTION 2014-15- BY PRADEEP KAND CM(SYSTEMS) SBLC PUNE
STATE BANK BUSINESS DEBIT CARD
.S". No. : 320/2012 13 Cir ,o. / C01,2"C01,2#(32*TCR("20"2042 5 46 &7uly 0&2042.8
E%&)&*&%&'( C"&'e"&! P"o#u+' ,!"&!-'
CA with balances 7 8I=' 20.--- 9 I=' 0.--.---
;oan liits o! 7 8 I=' 1.--.--- 9 I='
20.--.---C $'ead !ootnote below(
State Bank "ride
$Gold Chi% based Debit Card with
!all back on si#nature(
CA with balances 7 8I=' 0.--.---
;oan liits o! 7 8 I=' 20.--.---C
State Bank "reiu $"latinu Chi% based Debit
Card with !all back on si#nature(
CThe !ir/Cor%orate re+uires to o%en a current account on which the Debit Card will be issued.
P"o#u+' Fe!'u"es S'!'e B!-. P"&#e (/o%#) S'!'e B!-. P"e0&u0
(P%!'&-u0)
D!&%( C!s1 De2os&' %&0&' ,DD-- ,DD--
D!&%( %&0&'s- C!s1 (INR) 1----- 2-----
D!&%( %&0&'- POS (INR) 2----- 0-----
Re3!"#s , %oints !or ever& 's. 1--
s%ent
0 %oints !or ever& 's. 1--
s%ent
Pe"so-!% A++&#e-'
I-su"!-+e
's. 2 lakh 's. 0 lakh
Pu"+1!se P"o'e+'&o- 's. 0.--- on %urchase
%rotection !or the!t/daa#e
u% to D- da&s !ro the date
o! "oS/e)coerce
%urchase.
's. 0-.--- on %urchase
%rotection !or the!t/daa#e
u% to D- da&s !ro the date
o! "oS/e)coerce
%urchase.
O'1e" *e-e&'s 6!!ers and discounts b&
Schee/Bank !ro tie to
tie
6!!ers and discounts b&
Schee/Bank !ro tie to
tie
A--u!% +!"# ees 's 2--C 's 2--C
C!s1 3&'1#"!3!% ees4
O'1e" B!-. ATMs
's 2-/) 's 2-/)
C!s1 3&'1#"!3!% ees4
I-'e"-!'&o-!%
ESD 1.40 1 Char#es o! AT*
ac+uirin# Bank. i! an&. will
be additional
ESD 1.40 1 Char#es o! AT*
ac+uirin# Bank. i! an&. will
be additional
5M!( *e 3!&$e# & s2e-'
#u"&-) '1e (e!" +ou-'e#
o" AMC
's. 0.--.--- 's. 1-.--.---
9ootnote/# The stipulated minimum balance of Rs. 2-000"# for issuance of :0tate 2an; +ride<
(ebit Card& has been waived. . Ref S". No. : %03/2012 13 Cir!"#r No. : CS&NB/CS&NB-
DEBITCRD/41/2012 - 13,No,ember 03,2012.)
ATM STUDY MATERIAL FOR PROMOTION 2014-15- BY PRADEEP KAND CM(SYSTEMS) SBLC PUNE
A--u!% M!&-'e-!-+e C1!")es
.3xcluding 9inancial *nclusion $TM#cum debit card being issued to our 0mall $ccounts=
customers8 # $lso excluding salary pac;age accounts under C*T> .Corporate 1
*nstitutional Tie#>ps8.
- S". No.: 10.2/2013 14 Cir!"#r No. : NB//B0D-/B/.1/2013 14 T!e'(#),Deember 24,2013.)
.
4. Classic/ Rs. 400) service tax Rs.42"# Total Rs.442"#
2. 0ilver"%lobal" %old excluding those under C*T>/ Rs.4-0"# )stax Rs4!"# Total Rs.4?!"#
6. @uva Card/ Rs.4-0"# ) service Tax Rs.4!"# total Rs. 4?!"#
. %old/ Rs. 4-0"# ) service tax Rs.4!"# total Rs.4?!"#
-. +latinum/ Rs. 200"# ) service tax Rs. 2-"# total Rs. 22-"#
?. 2usiness (ebit Card/ Rs. 600"# ) 0ervice tax Rs.6A"# total Rs 66A"#
$TM" +B0 transaction technical declines attributable to customer .i.e lac; of balance in
account Rs 4- ) service tax Rs.2"# total Rs.4A"# per transaction
Card Replacement Charge Rs.204/- (S". No. : 112/2012 13 Cir!"#r No. : NB//B0D-/B/13/2012
13 T!e'(#), *#+!#r) 01, 2013.
B%o+.&-) o ATM CARD '1"ou)1 SMS
.S". No. : 133./2013 14 Cir No. : CS&NB/CS&NB-DEBITCRD/22/2013 14 ,4#r& 12,2014. )
.
16 BLOCK7s2!+e89999 to 5:;:;:
!ro CardholderFs re#istered obile nuber o-%(
$GGGG is the last , di#its o! State Bank Debit Card which Cardholder wishes to block(.
2. By lodging online request in Block ATM card under e!er"ices ta# in $ost
login section o% &nline!B'.
3. By calling u$ t(e contact centre. Hot listing of Card be Done by Customer himself
By calling at 24x7 Contact Centre through BSNL/!NL Landline "#$%%##22##& or through any other
'hone "%$%(2)*++++%&
). By gi"ing a *ritten request at t(e #ranc(+ *(ic( in turn eit(er calls u$ t(e
contact centre or A%ter "eri%ication o% t(e custo,ers credentials+ '-B ,aker *ill
lodge t(e request in Branc( 'nter%ace'-B and '-B c(ecker *ill a$$ro"e t(e
request %or #locking t(e ATM card
Hot listing of Card can also be done by Branch official through Contact Centre or by sending
an email to contactcentre,sbi-co-in on .ritten re/uest by Customer
ATM STUDY MATERIAL FOR PROMOTION 2014-15- BY PRADEEP KAND CM(SYSTEMS) SBLC PUNE
!REEN REM"T #AR$ !R#%
TRANSA#T"ON AN$ MONT&'( '"M"T EN&AN#EMENT
Sl. No. : 123)/2013 14 Cir!"#r No. : CS&NB/CS&NB-/RC/23/2013 14 5ebr!#r) 12,2014)
T&e /RC "imit i' R'. 22,000/- #+( mo+t&") tr#+'#tio+ "imit R'. 1,00,000/- per remitter. Th*
l+,+- +. /*r r*,+--*r a01 0o- /*r car1. T&e remitter i' i(e+ti6ie( 6rom t&e i( proo6 e+tere( i+ CBS.
C#r( i''!#+e &#r7e' R' 20/-.
CARD TO CARD TRANSFER OF FUNDS (C2C)
Sl. No. : 971/2012 13 Cir!"#r No. : IT//80B98IT-9T4/1./2012 13 Deember 2.,2012.
Transaction Limit: i) Maximum amount: Rs.1!!!"# $%r transaction.
ii) Maximum number of transactions: T&o $%r 'a(.
c) C)ar*%s : NIL
') Tim% +imits ,or cr%'it: i) Within the same Bank On+in% (if the remitter and
recipient are of the same Bank).
ii) Between different Banks T-1'a( (between BI
and !ssociates and between !ssociates)
#2.-o,*r #har3*. 4or 2.* o4 O-h*r Ba05 ATM.
For -ra0.ac-+o0. o6*r a01 a7o6* Fr** Tra0.ac-+o0. /*r,+--*1 78 RB"
Sl. No. : 490/2012 13 Cir!"#r No. : NB//9T4-NB/-NB//3/2012 13 4o+(#),9!7!'t 13,2012.)
#9or 0aving 2an; $ccount/#.beyond - transactions including enCuiry transactions8/#
9inancial Transaction 4A"# ,on#9inancial Transaction Rs ?"#
#9or Current $ccount all transaction are chargeable.
St#te B#+: $rep#i( C#r(' 4#+(#tor) $IN 6or #"" C#r( $re'e+t Tr#+'#tio+'
(0l. ,o./ !D-"2046 5 4 Cir ,o./ C01,2"C01,2#(32*TCR("6A"2046 5 4 &,ov 2D&20468.
A%% C!"# P"ese-' (CP) T"!-s!+'&o-s (&6e6< '"!-s!+'&o-s !' ATM !-# PoS delivery
channels8 w.e.f. 4#(ec#2046. +*, is already mandatory for $TM transactions using
+repaid Cards.
PIN !' PoS &s -o' 0!-#!'e# *( RBI o" Se0&-C%ose# &-s'"u0e-'s $&=6< /&' C!"# !-#
A+1&e$e" Cards. 'owever& a conscious decision has been ta;en by the 2an; that for all
our prepaid cards i.e.& eE +ay Card& *mprest Card& %ift Card& $chiever Card& 0aral Money
Card and 0tate 2an; 0mart +ayout Cards& +*, will be mandatory as second factor
authentication for all Card +resent Transactions
ATM STUDY MATERIAL FOR PROMOTION 2014-15- BY PRADEEP KAND CM(SYSTEMS) SBLC PUNE
Re7i'tr#tio+ o6 Debit #r(' 6or reei,i+7 0T$
SE#URE$ #AR$ TRANSA#T"ON:For -ra0.ac-+o0 o6*r +0-*r0*-%
Menu navigation. %o to www.onlinesbi.com .home page8. >nder Bther 0ervices 0elect
0ecured Card Transaction. The cardholder will select either 0ecured by Fisa& Master
Card& Rupay depending upon the card he has . $ full presentation is available on 02GC
+uneHI$lternate channel page8. The mobile number at C*9 level has been updated at
bac;end. *n case customer is unable to register then branch will have to send a mail to
epg.supportJsbi.co.in and sms.ascJsbi.co.in with the relevant details.
.
C!s1 3&'1#"!3!% !' SBI Po&-'-o-S!%e ( C!s1>POS )
(S%6 No6 4 ?@;A201B C 14 Cir,o. / C01,2"C01,2#M$2"6-"2046 5 4 &,ovember 0A&2046.8
The minimum amount of withdrawal will be Rs.400"# and thereafter in multiples of Rs.400"#
subKect to maximum of Rs.4000"# per day per cardL
O9ERAT"ONA' "NSTRU#T"ONS
The card custodian cannot be a Custodian of +*, Mailers under any circumstances.
The Cards& lying undelivered for a period of - days are to be recorded in the Register
and 'otlisted.
The +*, mailers& not delivered for a period of - days are to be recorded in the
Register and destroyed effectively. R*4*r*0c* ATM MANUA'%
ISSUANCE OF ATM-+u0-DEBIT CARD TO MINORS
S". No. : 312/2003 0. Cir!"#r No. : IT//80B98IT-9T4/2./2003 0. 5ri(#),5ebr!#r) 01,200..
$ll 0avings 2an; and Current $ccount holders are eligible for issuance of $TM#cum#
(ebit card& except in the following cases/#
4. $ccounts operated Kointly by all the account holders
2. Minors
6. *lliterate customers
*t has been decided to issue $TM#cum#(ebit Cards to all minors who are eligible to open
and operate cheCue boo; facility account.
9ootnote/# The $TM manual does not mention anything about the age of minor. 'owever
the e#learning lessons mentions the age of minor to be eligible for card as 4. T1e 0&-o"
s1ou%# *e !*%e 'o s&)- u-&o"0%(6
ATM STUDY MATERIAL FOR PROMOTION 2014-15- BY PRADEEP KAND CM(SYSTEMS) SBLC PUNE
ATM FA#"'"T"ES FOR :"SUA''( #&A''EN!E$ 9ERSONS
Sl. No. : 217/2012 13 Cir!"#r No. : NB//9T4-NB/-NB//1/2012 13 T!e'(#),*!+e 02,2012.)
9 'imp"e (e"#r#tio+ #' per 9++e;!re II '&o!"( be obt#i+e( #"o+7 <it& t&e #o!+t ope+i+7 6orm. 9
"e#r +oti+7 '&o!"( be m#(e o+ t&e 6ir't p#7e o6 t&e #o!+t ope+i+7 6orm #bo!t t&e obte+tio+ o6 t&e
(e"#r#tio+.- T&e (e"#r#tio+ i' pre'e+t i+ t&e e-ir!"#r me+tio+e()
ATM #OM9'A"NTS
*t is mandatory for the ban;s to reimburse the customers& the amount wrongfully debited
on account of failed $TM transactions& within a maximum period o ; 3o".&-) #!(s from
the date of receipt of the customer complaint.
9or any failure to re#credit the customerMs account within A wor;ing days from the date of
receipt of the complaint& the ban; shall pay compensation of Rs.400"#& 2e" #!(< to the
aggrieved customer6 This compensation shall be credited to the customerMs account
automatically without any claim from the customer& on the same day when '1e *!-.
!o"#s the credit for the failed $TM transaction
C1!")e*!+.4N is a claim raised by *ssuer ban;.Card issuing ban;8 on $cCuirer ban;. $TM
ban;8 through (M0 portal of ,+C* for a disputed inter#ban; $TM transaction. $s per new
guidelines& *ssuer ban; can raise the chargebac; within ?0 days after the date of
transaction. 'ence& it is important that branch level functionaries lodge the complaints
through CM0 immediately on receipt from the customer
REPRESENTMENT / Bn receipt of chargebac; from the issuer ban;& $cCuirer ban; has to
either accept it or reKect it by providing a copy of error free 3lectronic 7ournal .378"7+
0ubmission of proof of successful transaction is termed as Representment. ,+C* has
prescribed - calendar days for the ma;ing representment by submitting a copy of
successful 37"7+.
Btherwise& on the expiry of -th day& the claim of the other ban; would automatically
become as deemed acceptance.
De*&' !#Dus'0e-' refers to a chargebac; made by the $cCuirer ban; against the *ssuer
ban; in the (M0 application of ,+C* for the O0hort CashM cases in their $TMs. This
happens in the event of OCash dispensed but account not effectively debitedM cases.
$cCuirer ban; can raise debit adKustments within 4A days after the date of transaction.
*ssuer ban; can raise epresentment within - days after the date of debit adKustment
chargebac;.
0ince 04.0A.2044& in case the *ssuing"$cCuiring ban; has failed to raise the dispute
through the regular dispute redressal process of chargebac;& representment or debit
adKustment& *ssuer"$cCuirer ban; can initiate %ood 9aith cases through (M0 of ,+C*.
2an;s can raise %ood 9aith within ?0 days from the date of Chargebac; "Representment"
(ebit $dKustment expiry date.
ATM STUDY MATERIAL FOR PROMOTION 2014-15- BY PRADEEP KAND CM(SYSTEMS) SBLC PUNE
ATM EISTORY
9*R0T $TM in the world # 2arclays 2an; in Gondon in 4!?A
9*R0T $TM in *,(*$ # '02C in Pol;ata in 4!DA
9*R0T +02 to *nstall $TM in *,(*$ 5 *ndian 2an;
*nstallation of 9*R0T $TM 2y 02*# $t 7amshedpur in 4!!6
ATM ,ENDORS
$pplication software used at $0C# 2ase 2 supplied by $C* Qorldwide& 0ingapore
Tandem 0erver of '+ 'imalaya 0eries is installed at $0C. *t is fail#safe& fault tolerant 1
highly scalable.
+*, authentication hardware installed at $0C 5 'ost 0ecurity Module .'0M8 supplied by
Racal& >P
Connectivity to the $TM networ; is through 0tate 2an; Connect& F0$Ts and C(M$
Connectivity 0ervice +roviders/ 0ate 2an; Connect 5 (imension dataL F0$T 5 'CG
ComnetL C(M$ 5 Reliance *nfocomm"T$T$
+29 >pdation +rocess at $0C is managed by Gaser 0oft *nfosystems Gtd. .G0*G8
ABBRIE,ATIONS
*0(, # *ntegrated 0ervice (igital ,etwor;
F0$T # Fery 0mall $perture Terminal
C(M$# Code (ivision Multiple $ccess
Promotion material is available on SBLC Pune site
(http://10.13.7.35:81. Lin! available un"er #umbai Cir$le
an" S%&. 'n SBLC Pune home pa(e please $li$! on the
lin! STUDY MATERIAL.
)ll important e*$ir$ulars relate" to )lternate $hannel are
available un"er +e*$ir$ular an" ,a$ult- $ontribution. on
SBLC Pune /ome Pa(e.
) $ommunit- name" %' aspirants has also been ,orme" in
SB0 )spirations. 0ntereste" sta,, members are re1ueste" to
2oin the (roup %' )spirants.
Please sen" -our su((estions to pra"eep.!an"3sbi.$o.in