Beware of SIM-Swap Fraud

Beware of SIM-Swap FraudSIM-Swap involves a fraudster collecting victim's personal banking information and then approaching the victim's mobile operator with fake ID proofs to obtain a duplicate SIM card. The mobile operator deactivates the original SIM card and issues a replacement SIM. With the help of the new SIM card, fraudster does account transactions through mobile banking without victim's knowledge

Enquire with your mobile operator if you have no network connectivity and are not receiving any calls or alerts for unusually long periods

Do not disclose your mobile number on social media platforms. Contact your mobile operator immediately as soon as you receive an indication of a probable SIM-Swap

Do not switch off your cell phone in the event you receive numerous unknown calls. It could be a ploy to get you to turn off your phone and prevent you from noticing a tampered network connection

Register for both SMS as well as e-mail alerts to stay informed about transactions on your account

Check your bank statements and online banking transaction history regularly so you can identify any issues or irregularities.

Defence Salary Package

Salary Accounts under Defence Salary Package offers many concessions in service charges for serving as well as retired Defence personnel of Army/ Navy/ Air Force/Indian Coast Guard/ Assam Rifles, as well as Rashtriya Rifles (RR) and GREF [Border Road Organization (BRO)] having their Salary/Pension accounts with SBI. Available in four variants, namely Silver, Gold, Diamond, and Platinum categorized on the rank of the personnel of Army, Navy, Air Force, Assam Rifles, RR and GREF (Border Road Organization). PBORs are categorized in Silver Variant, Officers are categorized under Gold, Diamond and Platinum Variants.

Features of DSP

• The convenience of Anywhere Banking at
• The largest network of more than 16,000 Core Banking Branches
• Extensive alternative channels.
• 53,000 plus ATMs of State Bank Group
• Free Internet Banking, Mobile Banking

Complete gamut of Banking Services including:-

• Unique Lifetime Account Number
• Zero Balance Account facility with no penal charges for non-maintenance of minimum balance
• Auto sweep (in & out) facility (on request)-Surplus amount in Savings bank account beyond threshold balance is transferred automatically into Term Deposits (multi-option deposits) in multiple of Rs.1000/- and vice versa
• Facility for Auto Sweep Switch On/Off through Internet Banking
• Free Personal Accident Insurance cover for Primary Defence Salary Package Account Holders*.
• Free personalized Multi City Cheques
• Free Drafts*/RTGS*/NEFT*
• Free Core Power: Anywhere banking facility with the widest network of more than 16,000 branches. Free updating of pass-books at any branch
• Easy overdraft up to 2 months' salary repayable within 6 months*
• SMS Alerts
• Exclusively designed Debit Cards for personnel of each of the Forces.
• Free Debit Cards including one additional free Debit Card for single accounts of PBORs
• Domestic cards for Silver Accounts, Gold Debit cards for Gold and Diamond Accounts and Platinum Debit Card for Platinum Accounts.
• Maximum daily withdrawal of Rs. 40,000 on Domestic Cards, Rs. 50,000 on Gold Cards and Rs. 1,00,000 on Platinum Cards.
• Various Personal loans like a Home loan/ Auto loan/ Xpress Credit loan, etc. at attractive terms
• The demat facility, 3-in 1 Trading Account available
• Systematic Investment Plan in Mutual funds
• The range of other value-added benefits

ग्राहक - सावधान रहें

ग्राहक - सावधान रहें

क्या करें

• अपना एटीएम लेनदेन पूर्ण गोपनीयता से करें, अपनी व्यक्तिगत पहचान संख्या (एटीएम पासवर्ड) दर्ज करते हुए उसे कभी भी किसी भी व्यक्ति को न देखने दें।
• लेनदेन पूर्ण होने के बाद यह सुनिश्चित करें कि एटीएम स्क्रीन पर वेलकम स्क्रीन दिखाई दे रही है।
• सुनिश्चित करें कि आपका वर्तमान मोबाइल नम्बर बैंक के पास रजिस्टर्ड है जिससे आप अपने सभी लेनदेनों के लिए अलर्ट संदेश प्राप्त कर सकें
• एटीएम के आसपास संदेहजनक लोगों की हलचल या आपको बातों में उलझाने वाले अजनबी व्यक्तियों से सावधान रहें।
• एटीएम मशीनों से जुड़े हुए ऐसे अतिरिक्त यंत्रों को देखें जो संदेहस्पद दिखाई देते हों।
• यदि एटीएम / डेबिट कार्ड गुम गया हो या चुरा लिया गया हो, तो इसकी सूचना तुरंत बैंक को दें, यदि कोई अनधिकृत लेनदेन हो, तो उसे रिपोर्ट करें।
• लेनदेन संबंधी अलर्ट एसएमएस और बैंक विवरणों की नियमित रूप से जाँच करें।
• यदि नकदी संवितरित नहीं की गई हो और एटीएम में “नकदी खत्म”/”cash out” दर्शाया नहीं गया हो, तो नोटिस बोर्ड पर लिखे टेलीफोन नम्बर पर उसकी सूचना दें।
• आपके खाते से राशि डेबिट करने के लिए फोन पर आए एसएमएस की तुरंत जाँच करें।

क्या न करें 

• कार्ड पर अपना पिन नम्बर न लिखें, अपना पिन नम्बर याद रखें।
• अजनबी व्यक्तियों की सहायता न लें। कार्ड का उपयोग करने के लिए अपना कार्ड किसी भी व्यक्ति को न दें। 
• बैंक कर्मचारियों एवं परिवार के सदस्यों सहित अपना पिन किसी भी व्यक्ति को न बताएं।
• जब आप भुगतान कर रहे हों, तब कार्ड को अपनी नजरों से दूर न होने दें।
• लेनदेन करते समय, आप मोबाइल फोन पर बात न करें।

Do’s and Don’ts of ATM transactions

Do’s and Don’ts of ATM transactions

Do’s

• Conduct your ATM transactions in complete privacy, never let anyone see you entering your Personal Identification Number (ATM Password)
• After completion of transaction ensure that welcome screen is displayed on ATM screen
• Ensure your current mobile number is registered with the bank so that you can get alerts for all your transactions
• Beware of suspicious movements of people around the ATM or strangers trying to engage you in conversation
• Look for extra devices attached to the ATMs that looks suspicious
• Inform the bank if the ATM/Debit card is lost or stolen, immediately, report if any unauthorised transaction
• Check the transaction alert SMS and bank statements regularly
• If cash is not dispensed the ATM does not display “cash out” please report to the Bank on the number mentioned in the Notice Board
• Immediately check your phone for SMS for debit amount

Don’ts

• Do not write your PIN on the card, memorise your PIN number
• Do not take help from strangers or hand over your card to anyone for using it
• Do not disclose your PIN to anyone, including bank employees and family members
• Do not allow the card to go of your sight when you are making a payment
• Avoid speaking on the mobile phone while you are transacting

Shaurya Home Loan

SBI Shaurya Home Loan scheme is dedicated to the Army and Defence Personnel of the nation. This special home loan scheme will be only provided to the defence employees. The SBI Shaurya Home loans will have lower interest rates and other added benefits which will only be provided to the defence employee applicants. Apart from reduced interest rates in the home loan, the defence employees will also have the ease of repayment options and may get longer repayment period of the loaned amount.

Low-Interest Rates

Zero Processing Fee

No Hidden Charges

No Pre Payment Penalty

Interest charges on Daily Reducing Balance

Repayment up to 30 years

Interest Concession for Women Borrowers

Interest Concession in case Check Off is provided

Nominations

Check all your nominations

It’s a usual practice to put a name (i.e., in the first place if you have mentioned it) and royally forget about it. Most of us have named one of our parents as a nominee for investments, bank accounts opened before marriage. We have not changed the same even years after they are no longer there with us. Even your salary account usually has no nomination. Therefore, kindly check your Nominations for- - Bank Accounts - Fixed Deposits, NSC - Bank Lockers - Demat Accounts - Insurance (Life, Bike or Car or Property) - Investments - PF & Pension Forms

Bank Account for Pension

Bank Account for Pension

If you are drawing your pension through a single bank account in your name and if, at the time of your retirement or within one year thereafter, you have not made a nomination in favour of your spouse, please do so immediately. This will enable your spouse to receive, after your time, any balance left in that account as well as any arrears of pension due to you during your lifetime. Consult your bank on the procedure for the nomination. 

It is now permissible to convert your single bank account for pension into a joint account with your spouse/person mentioned in your PPO as the one entitled to receive family pension. If you have not already done so, please submit an application to your bank to this effect. After your time the joint account will become a single account in your spouse’s name into which the family pension and any lifetime arrears (LTA) can be credited. It is desirable to make a nomination as indicated in Para 4 above even if the pension account has been converted into a joint account so as to ensure trouble-free payment of your (LTA) to the spouse/nominee after your time.

If you do not wish to take action as per above, open a joint account in the name of yourself and your spouse, preferably in the same bank, if you have not already done so. This will automatically become a single account after your lifetime and the family pension can be credited to this account. Alternatively, open a single account in the same bank in the name of your spouse so that, when the time comes, on advice to the bank, the family pension can be credited to this account. Also ensure that your spouse makes a nomination in favour of a child/ family member or any other person of her/his choice for this single account so that when the need arises, the nominee can get the amount left in that account without any further formality. 

Make sure that the nominations/ conversions into the joint account as applicable as per above and/ or are duly reflected in the bank records and also keep the relevant copies of such endorsements in the master folder for your spouse.