State Bank Of India, SBI

State Bank of India is a premier bank in India that was enthusiastically started in the year 1973 in a nonprofit movement called “Community service's Services banking.” All of their administrative offices and branches located all over the country contribute to a larger number of welfare activities and help numerous social foundations. Their business is more than banking because SBI is mainly set-up for the people to help them in all possible ways.


Services and Facilities


State Bank of India offers the maximum number of services in comparison to other banks, which makes things easier for their esteemed customers. Some of the services they offer are listed below -


  1. E-Ticketing


Through E-ticketing, the user can book air tickets, railway tickets, and bus tickets without any hassle. With the IRCTC granting special privileges to SBI account holders, the bank stands tall as the first priority for those who travel frequently and wish to avail regular discounts and other benefits.


  1. SBI E-Tax


Through SBI E tax service, the users can pay their taxes online. The bank also enables the users to pay Income Tax, Wealth tax, TDS, Fringe Benefits Tax, Corporation Tax and Estate Duty tax online directly through them (physically at selected SBI branches, as well as online).



  1. Bill Payments


This is a simple and convenient service for viewing and paying your bills without taking the pain of going to respective offices such as BSNL office for telephone and Internet bills. With this bill payment service, the users can avoid longer queues, chances of late payments. Above all, it helps them save on their valuable time.


  1. Public Provident Funds


State Bank of India also allows its customers to open and operate their Public Provident Fund (PPF) accounts through their branches, and customers can claim tax exemptions under section 80(c), for up to Rs1 lakh from the financial year 2011-2012.


One can simply walk-in to any SBI branch, get a PPF account opened, and start investing right away!


  1. eZtrade@sbi


SBI’s eZtrade users have an option to do online trading through this service.


  1. Funds Transfer


Customers have the option to transfer their funds within their accounts without any hassle of going to the bank and withdrawing/depositing money from and to other accounts.


Furthermore, there are many other services like Third Party Transfer, Demand Draft, Cheque Book Request, Account Opening Request, Account Statement, Transaction Enquiry, Demat Account Statement, and Donation, which a SBI account holder can avail.


SBI Bank Cards

State Bank of India offers various cards for their customers such as the ones listed below:


  • SBI Platinum Card

  • Advantage Platinum Card

  • Gold & More Card

  • SBI Advantage Gold & More Card

  • Railway Card

  • Spice Jet Card

  • Gold Credit Card

  • Advantage Gold Card

  • Advantage Plus Card

  • SBI Oriental Bank of Commerce Platinum Card

  • SBI Oriental Bank of Commerce Card

  • SBI Bank of Maharashtra Platinum Card

  • SBI Bank of Maharashtra Card

  • Tata Cards in collaboration with State Bank of India

  • SBI Maruti Card

  • SBI Vishal MegaMart Card

  • SBI Dena Bank Secured Card

  • SBI UBI Card

  • Platinum Corporate Card


SBI Bank Loans


State Bank of India offers all kinds of loans to its customers, including but not limited to -


  • Educational Loans

  • Home Loans

  • SME Loans,

  • 2-Wheeler auto loans,

  • Agricultural loans,

  • Car Loans, and

  • Personal Loans


Why choose State Bank of India over other banks?


State Bank of India can be regarded as the most reliable bank in India because it is aided by the Central Government, and it offers lowest rates of interest in department of home loans and auto loans.


You can do just about anything right from availing a personal loan, opening a savings account, PPF account, buying infrastructure bonds (to claim additional Rs. 20,000 benefits under Section 80(CCF)), down to investing in mutual funds, availing a credit card, Demat/trading account, filing your income tax, opening a 5-year tax saver fixed deposit, and even booking railway tickets and bus tickets!


Sure thing, you may not get a door-step facility like that of Axis Bank, HDFC or any other private bank, but you’d definitely get complete peace of investment, because you know that your money and all your investments are cent-percent safe with State Bank of India.


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Rekha Dayal


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Feb 27, 2013
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