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ATM

Types of ATM cards


ATM-cum-DEBIT CARD (State Bank
Cash Plus)
State Bank Cash plus International Card
SBI Gold Debit Card
Visa Gold International DEBIT Card
Mahe Card (Combo Card)
SBI Vishesh
SME ATM Cum Debit Card Facility
SBI Vishwa Yatra Foreign Travel Card
eZ-pay CARD - (Rupee Pre-paid Card / Payroll Card /
Gift Card)

Value
Propositions

Classic

Silver

Gold(Intl)

Platinum

Daily Cash at ATMs

Rs 40,000

Rs 40,000

50000 or USD 1000

100000 or $2000

Daily PoS Limit

Rs 50,000

Rs 75,000

2 lacs or USD 4000

2 lacs or USD 4000

Domestic/Intl
Debit Card

Domestic
(valid in India)

International

Comp Insu-2
lacs(accident death)

Comp Insu-4
lacs(accident death),
50K <90d

SMS Alert

For all ATM/PoS


transactions

For all ATM/PoS


transactions

For All Txns

For All Txns

Loyalty Points
(1 point=25paise)

2.5 points per


Rs 100 spend at PoS

2.5 points per


Rs 100 spend at PoS

4 loyalty points for


every Rs. 100 spent

5 loyalty points for


every Rs. 100 spent

Applicable to

non Cheque Book

Cheque Book

SB/CA-AQB-50K/Dep
>5l<10l/ HL-10-20l/
CarL-3-5L

SB/CA-AQB-1l/ Dep
>10l/HL->=20l
/CarL>=-5L

Expiry date

5 years from the


date of issue

5 years from the


date of issue

5 years from the


date of issue

5 years from the


date of issue

Charges on Debit
Cards

Issued free of
charge. (AMF) of Rs.
100/-- 2nd yr

Issued free of
charge. (AMF) of
Rs. 100/-- 2nd yr

MagStripe-Fee
Chip-100/-(on Dem)
AMF-100/-

Rs. 300/-(BM-Waive)
AMF-100/-

ATM-Introduction
How many Cards of the same type can be issued
to a customer?
ONE. (However, multiple types of cards can be
given to the same customer.)
What is the Cash Drawal Limit / Day?
Rs.40000
One CIF 4 Accounts 3 cards What is the txn
limit per day?
Aggregate of Card Limit

ATM-Introduction

Issued at Account / CIF level?


CIF Level
How many accounts can be linked by the branch?
3 - 1st is Primary, 2nd is Secondary 1, 3rd is
Secondary 2.
How many accounts can be linked to a single
Card?
16 Accounts - Service Desk request to link beyond
3rd or to link the 2nd and 3rd too, if these accounts
are opened after issue of the card.

ATM-Introduction

How is Card / Pin received by the customer?


Registered Speed Post.
Pin To be collected at the branch
How are Undelivered Cards handled?
Undelivered cards will be delivered at the branch and
has to be in the custody of a person other than the Pin
custodian.
What is the fate of uncollected Pin / Card?
If pin is not collected by customer in 45 days Destroy
Pin
Cards are hotlisted(not destroyed) when undelivered.

ATM-Introduction
What should a customer do if he has lost the Card?
Hotlist thro Contact Centre
Amending UserCode will not help, because it is valid
for only online txns while ATM txns take place in Offline
mode too.
For hotlisted Cards No Pin is generated.
How is de-hotlisting done?
-Service Desk. (No new card need to be issued, as it will
save the customer of Rs.200 if he has traced a
lost(hotlisted) card).
How to delink any linked Account
Service Desk Request

ATM-Pin/Repin
When a customer seeks a repin thro Toll free,
where does the repin go?
Repin goes to home branch.
What is the other mode of seeking a repin?
Going to any Branch. Repin comes to the
branch which originated the request.
10.12.2010- cms + Toll Free number

ATM Machine
1.

Chest: Secure Area

2.

Dispenser

3.

Currency Cassettes

4.

Purge Bin

5.

Monitor

6.

Processor

7.

Receipt Printer

8.

Combination Loc

9.

DIP Card Reader


P75 F/A

Cash Replenishment Procedure : Summary


Withdraw Cash from the Branch : Dr. 3198/nnn/bbbbb/c Cr. Branch Cash Bal A/c
Supervisory Mode:
Print Counter
Counting of Physical Cash --- Tally Cash (before loading)
Clear Cash
Add Cash (Increase PC)
Load Physical Cash (Content of the Cassette should not be swapped)
Print Counter --- Tally Cash (after loading
Test Cash
Normal Mode: Admin Function
Insert Admin Card PIN Balance Enq Current A/c Print Y
Print Machine Subtotal --- Tally Cash (in Rs with preloaded PC)
Mid Point Adjustment Increase Cash
Increase Cash in Rs hopper wise
Print Machine Subtotal --- Tally Cash (in Rs with postloaded PC)
Sign & Paste both PC Slip & Admin Slip

Cash Loading
ATM

Prior to
17.10.10

From 17.10.10

Phy

ADMIN

98549bbbbbc

3198/nnn/bbbbb/c
Accounts
350 BGL a/cs opened

1st atm

500000

500000

10 lacs

500000

3198/001

2nd atm

300000

300000

300000

3198/002

3rd atm

200000

200000

200000

3198/003

Cash Withdrawing
Prior to 17.10.2010
Our Bank Cust Withdrawal
Dr Cust (T)
Cr 98549/bbbbb/c (T)

From 17.10.2010
Our Bank Cust Withdrawal
Dr Cust (T)
Cr 3198/nnn/bbbbb/c (T)

Other Banks Cust Withdraw


Dr Cust(T)
Cr 98549/bbbbb/c(T+1)

Other Banks Cust Withdraw


Dr Cust(T)
Cr 3198/nnn/bbbbb/c (T)

Problems

Physical
Admin
300000
300000
700000
Not increased
ATM will continue to disburse till 10 lacs
though ADMIN is 3 lacs
1. Account debited
2. Admin Balance Reduced.
3. Physical Cash Dispensed.

Problems

Physical
Admin
1000000
300000 B/f
600000
600000 Dispensed
400000
- 300000
Increase Admin with 7 lacs
400000
400000
Record in Register and get it authenticated by
BM.

How dispenses

19000
19000/Highest Deno(1000) 1 = 18 = 18000
(Reminder )1000/Next High Deno(500)-1= 500
(reminder) 500/Next High Deno(100) = 500
19300
Rounded off to next number
20000/1000=20-1=19*1000=19000
300/100=3*100=300
Cash is counted thrice before delivery 1. when
first taken, 2. conveyor belt, 3. thickness

ATM-Introduction

Avg no. of Hits/Day


69 lacs Fin 47 lacs
Avg Amount disbursed/Day
1815 Cr
No. of cards issued
10.84Cr
3500 disputed 2000 Bros/Swos Posting, 1500 500
SBI on SBI, 1000 Our cust on other banks
98581 at Bank level 15 Cr, 98582 7 Cr

ATM QUICK GLANCE


No of ATMs:

26814 (26814)

Cardbase (cr.):

11.20 (11.01)

Total Txns during the month (cr.):

20.93(19.03)

Cash dispensed during the month (cr.):

54437(50719)

Peak hits in a day (lacs):

88.03(81.01)

Avg. daily hits per ATM (SBI):

285(281 )

Avg. daily hits per ATM (ABs):

246(238)

(Figures in bracket denote data of February 2012)

STATE BANK GLOBAL IT CENTRE


24

ATM TRANSACTIONS (MAR12)


Total txns done on SBG ATMs & Kiosks - 20.92 Crs
(19.03 Crs in Feb )
ATMs- 20.92 Crs
Kiosks- 0.26 lacs

CASH WITHDRAWAL

67.36 %

BAL INQUIRY

18.04 %

MINI STATEMENT

13.52 %

PIN CHANGE

0.19 %

SPL TXN

0.89 %

Date 23/11/2014

STATE BANK GLOBAL IT CENTRE


SLIDE NUMBER

1
5
ATM
7

6A. Cash Dispensed


6B. Receipt Printed
6C. JP Log is Printed EJ

ASC
1.Bin
a)Our Bank Pin
Validation
b)Other Bank-Direct to
Other Bank
4

Admin
Balance
Reduced
TLF

2
3

CBS
Account
Debited

Succesful ATM txn :


Customer A/c Dr by Rs. X
3198nnnbbbbbc of the ATM Br will be credited by Rs.X
(98549)
Counters of ATM will be Reduced by Rs. X
Admin balance will be reduced by Rs. X
Error free jp /EJ will be printed for Rs. X with response
code 000 or 001

When Txn is waiting for CBS in Queue and


refers to PBF
1
5
ATM
7

ASC
1.Bin
a)Our Bank Pin
Validation
b)Other Bank-Direct to
Other Bank

2
3

CBS
Account
Debited

2
6

1 Cash Dispensed
2. Receipt Printed
3. Jp is Printed

Admin
Balance
Reduced

SAF

PBF

When Core is not available EOD is going on


Month End SI/Interest Appln/etc
1
5
ATM
7

ASC
1.Bin
a)Our Bank Pin
Validation
b)Other Bank-Direct to
Other Bank

2
PBF
3

SAF
6

1 Cash Dispensed
2. Receipt Printed
3. Jp is Printed

Admin
Balance
Reduced

CBS

Other Banks Customer on Our Bank ATM

1
4
ATM
6

1 Cash Dispensed
2. Receipt Printed
3. Jp is Printed

ASC
1.Bin
a)Our Bank Pin
Validation
b)Other Bank-Direct to
Other Bank
7

Admin
Balance
Reduced

2
3

Inter Change
Switch
1.NFS(51
banks-IDRBTHyd)(RTGS/NEFT)
2.Master Card
3.Visa
a

f
Visa Interchange
Switch Singapore
b
e
Citibank, NY
c

Citibank CBS

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