Digital-Book v2.0

CASH PICKUP

USP :

1. Deconges on of Branches/ Availability of Cash/Generates sizable Float income for
Branches/Availability of Cross Selling opportuni es/Penetra ng the Market and winning new
rela onships/Increases s ckiness of the client/Monitoring of clients' cash flows/Branches need not
monitor Cash Pick Up Agencies/70% fee income for Transac ng Branch on Collec ons/10% fee
income on Collec ons for Home Branch.

2. Maximize value of funds through efficient Cash Management/ Cash Picked Up from different
loca ons may be pulled in one account/ Availability of Door Step Cash Pick up Services across the
Country/Efficient single point complaint redressal mechanism through centralized client
services/Flexibility about me & frequency/No manpower required for Cash deposi on at Bank.

Target Group : There are huge numbers of NBG customers like traders, Jewellers, Restaurants,

Commodity Merchants, Garment Shops, Super Markets, Hospitals, Nursing Homes, Petrol Pumps, Gas
Agencies, and Trusts etc. who may avail this product.

Pre-requisites : Exis ng rela onship with our bank

Registra on Process :

Client : Ini al Mee ng :
· Understand business model of client and suggest CMP products accordingly
· Help client understand CMP products
· Find out financial details of client (turnover, credit rela onship etc.) and poten al business for CMP

before pricing discussion

Client : Pricing Nego a on
· Be well versed with the updated CMP card rates
· Take appropriate feedback and/or approval from competent authority before making pricing

commitments for concessions, pass backs etc.

Client : Ac va on :
· Obtain final executed legal documents, Board resolu on and offer le er.
· Generate client code for every product availed
· Share Escala on Matrix with client for resolu on of their post sales service issues

Features :

Cash Pick up Scheme: A daily ac vity where cash is picked up from the doorstep of the customer by cash
pick up agency custodians and deposited in the designated SBI branch at the centralized account of the
customer.
· En re Circle subject to feasibility report.
· All the Cash picked up under the Scheme will be deposited at SCAB
· The ming for accep ng the Cash at SCAB, is to be extended upto 6 p.m. for this purpose

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Availability of Funds to Customer :

· Cash collected from the Customers' doorstep will be credited into the account on the same day
· However, the Customers shall be able to u lize the funds only on the next working day, i.e.on a T+1

basis.

Cash Pick Up op on : · Per Call Basis

· Daily Basis

Vendor Management :

· Will be handled by Client Services Team of CMPOC, Hyderabad.
· A separate Agreement covering specific T&C of the Scheme being executed with the Cash Pick up

Agencies.
· A day before actual cash pick-up and deposi on, dry run is conducted by the pick-up agency both at

the pick-up point and the designated SBI branch.
· The custodian explains the en re process flow to the store manager/company official and the

branch CMP/Cash officer.
· Pick-up custodian introduces himself during dry run and provides authen ca on le er, ID-card copy

and his contact details to the Store person in order to ensure mutual security comfort.
· Deposit slips and HCIN slips are replenished at client's loca on

Cash Pick Up Slab CASH PICKUP CARD RATES
Up to Rs. 4 lakhs
Rs. 4 lakhs to Rs. 10 lakhs Card Rates (Revised Rates w.e.f 01.08.2017)
Rs. 10 Lac and above Rs. 1.50/1000 + GST + Agency Charges at Actuals.
Rs. 1.25/1000 + GST + Agency Charges at Actuals.
Rs. 1.00/1000 + GST + Agency Charges at Actuals.

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e-Payment

USP :

Under Electronic Payments, we offer the following products -
· DCR (Direct Credit within SBI)
· RTGS (for credit to other Bank accounts for amounts > Rs.2 lacs)
· NEFT (for credit to other Bank accounts for amounts of any value. This is a scheduled process that

takes place in different slots spread throughout the day. Cut-off me 6:10 P.M to 7:00 P.M.)

Target Group :

There are huge numbers of NBG customers like Service Providers, Traders, Jewellers, Restaurants,
Commodity Merchants, Super Markets, Hospitals, Schools, Nursing Homes, and Trusts etc who may
avail this product for payment to their vendors, distributors & salaries of their employees.

Pre-requisites : The client should have an exis ng rela onship with our bank

Process Flow :

· The client has to provide the payment instruc ons in a mutually agreed electronic file format.
· The file can be either in .txt (i.e. delimited text file) or .xls (i.e., MS-EXCEL format)
· The file is processed by the opera ons team and the status from CBS is uploaded to the portal for

viewing by the client.
· MIS (we call it reverse file) is provided to the customer.
· The client gives the payment instruc ons file (we call input data file) through the portal.
· CMP has a portal hosted on Internet at the URL h ps://newcmp.onlinesbi.com
· There are four ways in which CMP accepts the clients' data file at the portal.

· Portal Direct upload · Maker, Checker and Releaser

· Maker & Checker · H2H

· The client is given a User ID & Password for the CMP Portal.
· Client logs – in to the portal with the above creden als and then uploads their data file.
· No further authen ca on is done. Portal simply accepts the file, validates for the file structure and if

found correct, it is automa cally sent to opera ons for processing.
· Such type of upload is normally preferred by small companies not having separate IT department.

**M I S (or REVERSE FILE) :
· The crucial part of CMP services is providing MIS to the client.
· MIS provides the status of the transac ons sent by the client.
· For direct upload clients, the MIS is sent to the designated e-mail address. The MIS consists of the

original file given by the client plus four addi onal fields viz.,
1. Date of processing
2. Status of the transac on (Success / Failure)
3. UTR Number
4. Reject reason (in case the transac on failed)
· Reverse MIS file will be available on CMP Portal
· The file / transac ons process status is updated at the portal. Client has to visit the portal to
ascertain the status.

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· A view of the file, however, is provided which can be downloaded from the portal.
· This view, at present, is available only for a day. Efforts are being made to make the MIS data of last

one month to be available for download by the client.
· Apart from the above, payment advices in mutually agreed formats are being sent directly to the

recipients e-mail addresses once the payment transac ons are successful.

FILE MAKER & CHECKER TYPE UPLOAD :

· Client iden fies some users as Makers and some users as Checkers and advises to us.
· The role of Maker is only to upload the data file to the portal as in the previous case.
· Checker has to then log-in to the portal and authorize the payment instruc ons in the uploaded file.
· Different checkers have different authoriza on limits / different accounts for authoriza on.
· Valida on against a given dealer / vendor list is also possible if the customer needs so.
· The authoriza on cane be done by the authorisers in two ways

o Total File authoriza on
o Individual transac on authoriza on.
· Once authorized, the transac ons are automa cally sent to opera ons for processing.
· The next type of file upload – Maker, Checker and Releaser, is similar to the above, the difference
being, even a er authoriza on the file is not sent for processing. Addi onally 'Releaser' has to
release the file then only it will be processed.
· No user is allowed for more than one role.

Transac on Charges :

Product Type Rate

RTGS Rs. 10/- per transac on

NEFT Rs. 5/- per transac on

Direct Credit to SBI Accounts Rs. 2/- per transac on

Complaint Matrix : All queries are to be marked to [email protected]

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USP : SMS or Missed Call banking, without use of Internet

Target Group : For all State Bank account holders

Pre-requisites :

1. Mobile No. should be registered in the bank account
2. For dual SIM phones, the default SIM/No. for sending SMS should be the registered mobile number

Features :

These services are available directly by sending SMS or by downloading the SBI Quick App.

Services Op ons available through App Structured SMS Op on*

Registra on SMS ‘REG<space>Account Number’

to 09223488888

Account Balance enquiry SMS ‘BAL’ to 09223766666
Services Mini-statement SMS ‘MSTMT’to 09223866666
6 month e-statement SMS ‘ESTMT <space><Account Number> <space>
<Code>’ to 09223588888
Educa on loan interest e- SMS ‘ELI <space> <Account Number> <space> <Code>’
certificate to 09223588888
Home loan interest e- SMS ‘HLI <space> <Account Number> <space> <Code>’
certificate to 09223588888

ATM cum Deregister SMS ‘DREG’ to 09223488888
debit card ATM card blocking SMS ‘BLOCK<space>XXXX’ to 567676
ATM card switch on-off SMS ‘SWON/SWOFFATM/POS/ECOM/INTL/DOM
Product <space> XXXX’ to 09223966666
info Generate Green PIN SMS ‘PIN<space>XXXX<space>YYYY’ to 567676
Car loan features SMS ‘CAR’ to09223588888
PM social Home loan features SMS ‘HOME’ to09223588888
security Pradhan Mantri Suraksha
schemes BimaYojana (PMSBY) As there are more than 3 data items to be provided, it is
Pradhan Mantri Jeevan advisable that this service be availed through the SBI
Jyo BimaYojana Quick App only.
(PMJJBY)

*Simply send SMS in the given format to avail the service

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Note :

1. <Code> is any 4 digit number of your choice which will be used to encrypt the PDF a achment sent
to your registered email address

2. XXXX represents last 4 digits of the ATM/debit card number
3. YYYY represents last 4 digits of the account number
4. For ATM/debit card rela on op ons:

a. SWON/SWOFF – Switch ON/OFF (Turn the service ON or OFF)
b. ATM – Usage on ATM machines
c. POS – Usage on PoS machines
d. ECOM – Usage for e-Commerce transac ons (online transac ons)
e. INTL – Interna onal Usage (Outside India)
f. DOM – Domes c Usage (Within India only)

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secure OTP
1. OTP genera on App for INB/ Anywhere users
2. Works in both online and offline modes
3. OTP generated even in the absence of Wi-Fi, mobile network or SIM card (App is handset specific)
4. OTP generated instantly without any wai ng me
5. Customer can revert to Normal OTP genera on mode (through SMS) by logging in to

www.onlinesbi.com with INB creden als and naviga ng to Profile High Security Op ons

1. Voucher can be created digitally by the customer using SBI Digi Voucher App for:
a. cash/cheque deposit in savings and/or loan accounts
b. NEFT/RTGS
c. Demand dra request

2. The customer can directly visit branch with reference number, to complete the transac on
3. Saves me
4. Green ini a ve

1. Generate e-Token using No Queue App before visi ng any branch. Nearest CEEP-enabled/listed
branch can be selected.

2. Get real me alerts conveying es mated wai ng me and number of customers ahead in queue
3. Avoid wai ng me
4. Select up to 5 services per token

1. SBI customers can transfer funds real me through www.onlinesbi.com or SBI Anywhere, using only
mobile no. or email-ID of beneficiary

2. Beneficiary can claim funds through mCash link available on www.onlinesbi.com
3. Beneficiary can have account at any Bank
4. Beneficiary registra on not required for fund transfer
5. Transac on Limits :

a. 1,101/- per transac on
b. 2,202/- per day
c. 5,101/- per month

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STATE BANK OF INDIA

DIGITAL & TRANSACTION BANKING DEPARTMENT
LOCAL HEAD OFFICE, LUCKNOW

7th Floor, Moti Mahal Marg, Hazratganj, Lucknow-226001

Sl. NAME DESIGNATION Contact No. Landline No. Dep . E-Mail ID

STD : 0522

01. Shailendra Kumar Porwal DGM (D & TB) 9628842444 2295401 [email protected]

Digital & e-Commerce

01. Ravi Mishra AGM (Digital) 7607770194 2295287 [email protected]

02. Rajneesh Kr. Sharma CM (NW-I) 9792575999 2295155 [email protected]

03. Lekh Raj Kori CM (NW-II) 9455519566 2295155 [email protected]

04. Madhumita Sarkar CM (NW-III) 7017854599 2295483 [email protected]

05. Ram Nath Rastogi CM (Systems) 9721183666 2295484 [email protected]

06. Manish Kumar Manager (Sys) 9022612815 2295164 [email protected]

07. Rajendra Pratap Manager (Sys) 8874439555 2295164 [email protected]

08. Roshan Lal Pareta Dy. Mgr. (Sys) 9161665111 2295164 [email protected]

09. Mudita P. Dwivedi Dy. Manager 9794200333 2295483 [email protected]

10. Pooja Jha Assistant 8178814316 2295484 [email protected]

Merchant Acquiring Business

01. Ashutosh Srivastava AGM MAB (NW-I) 7738069157 2295403 [email protected]

02. Alok Kr. Garg AGM MAB (NW-II) 8299035502 2295403 [email protected]

03. Prajna Subrat AGM MAB (NW-III) 9989027365 2295403 [email protected]

04. Sneha Paul Dy. Manager (D.O.) 9628757222 2295165 [email protected]

05. Vivek Chaudhary Dy. Manager (D.O.) 7080677930 2295165 [email protected]

Project Lotus

01. Sonal Purohit AGM 9554180906 2295449 [email protected]

02. Naresh Kumar Chief Manager 9729872172 2295249 [email protected]

03. Sumit Kumar Chief Manager 8874203807 2295451 [email protected]

04. Praveen Srivastava Manager 9991871051 2295451 [email protected]

05. Pankaj Kumar Rastogi Manager 8795830044 2295451 [email protected]

Transac on Banking Unit

01. Ganesh Kumar AGM (TBU) 7571009855 2295476 [email protected]

02. Akash Singh Manag. Trainee 9532501721 2295476 [email protected]

03. Utkarsh Singh Manag. Trainee 7704895565 2295476 [email protected]

Government Business Unit

01. Ramesh Kr. Singh AGM (GAD) 8126958111 2295452 [email protected]

02. Neel Kant Tiwari Chief Manager 8400686618 2295465 [email protected]

03. Shiv Kumar Gupta Chief Manager (Sys.) 8004922946 2295279 [email protected]

04. Ramji Trigunait Manager 9918837906 2295466 [email protected]

05. A. P. Srivastava Manager 7408410347 2295279 [email protected]

06. R. K. Shukla Special Ass . 9450465915 2295279 [email protected]

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