SBI -CSP- PPT
- 2. WHY FINANCIAL INCLUSION BENEFITS TO THE CSP SELF EMPLOYMENT AT THE DOORSTEP SBIS STRONG BRAND EQUITY SOCIAL RECOGNITION PERFORMANCE LINKED INCENTIVES ATTRACTIVE REMUNERATION
- 3. WHY FINANCIAL INCLUSION BENEFITS TO THE CUSTOMERS NO QUEUE DBT/DBTL , SOCIAL SECURITY SCHEMES, MUDRA LOAN 8 AM TO 8 PM EASY ACCESSIBLE DOOR STEP BANKING/LOCA TION
- 4. Kiosk Banking Solution Service Offering Opening of 'No-Frill Savings Accounts' by kiosk banking module Deposits / Withdrawals of Cash in Savings Accounts Opening of Term-Deposit/Recurring Deposit Money Transfer to any Bank account Current Account/ Term Deposit/Recurring Deposit Aadhaar enabled deposits /withdrawals DBT enabled facility in accounts Loan lead generation & repayments Home Loans/Loan against Property Auto Loans/ Gold Loans/Small & Medium Enterprise (SME) Loans General purpose credit Card (GCC)/ Kisan Credit Card (KCC) Current Account/ Term Deposit/ Recurring Deposit Regular SBI Savings Bank Account Mutual fund on a Referral basis Pradhan Mantri Jeevan Jyoti Bima Yojna / Suraksha Bima Yojna Atal Pension Yojna (APY)
- 5. Banking Activity Account Opening Cash Withdrawal Cash Deposit Money Transfer
- 6. Eligibility Criteria Education qualification should be minimum SSC or 10TH standard pass. Person with basic computer literacy & accounting knowledge to be preferred. Candidate should be resident of the village/area where he is supposed to be appointed. Knowledge of local area, language & culture is a must. Non affiliation with any political/religious organization. Absence of any criminal record. Due diligence involving candidates reputation, financial literacy, cash handling capability, ability to implement technology to be done
- 7. Security Deposit Required for SBI Kiosk Centers SBI CSP Only Rs 25,000 (Refundable ) Existing - PAN Centers (Having Rs 50,000 Security Deposit) Free of Cost Existing -TIN Centers (Having Rs 1 Lakh Security Deposit) Free of Cost
- 8. Documents Required for- New SBI CSP Centers Annexure A & B BC-Authority Letter ( To approach Link Branch ) Affidavit ( @ Stamp Paper ) Scoring Sheet (under BC Code). KYC Document (Copy of PAN Card & Aadhar Card Mandatory) Proof of Educational/Professional Qualification Ownership Detail- copy of Title Deed/ Rent Agreement/Lease Deed Police Verification Copy SBI Bank Account Detail (For Commission Credit ) Info to RBFI ( For Terminal Id ) Due diligence Letter (Form Link Branch )
- 9. CSP Code- Gen Process Branch need to submit Proposed document (along with Due diligence Report) at regional offices Regional offices will Update the same in SBI Application Module. HO-BC - Will generate the User code Ref for the Complete Application Forms (As per revised LHO Guidelines). Regional Offices Will follow-up with (SBI-LHO ) for CSP-Code in lieu User Code Once CSP Code issued BC will send the info to RBFIfor Terminal Mapping .
- 10. Process at Link Branch End (Due diligence) Link branch Manager will check & verify the Documents. Link branch Manager will visit the CSP Branch Link Branch Manager will issue the due diligence certificate . Link Branch Manager will inform the Regional Office-> LHO ->RBFI. BC will sent the mail to RBFI for Terminal ID mapping /Activation .
- 13. Now Earn Rs 35@ (Per form) By Opening of APY A/C
- 14. APY (Atal Pension Yojna ) APY Online Account Opening-With SBI Bank Account Opening (Where Client has no Bank A/C) APY Offline ( Where Client has Bank A/C) APY Registration for Existing Swavalamban Subscribers APY -Pension Calculator: http://www.npstrust.org.in/APYCALC/Atal_Pensio n_Yojana_Calculator.html
- 15. THANK YOU
- 16. Remember: Finger print validation is required for cash withdrawal. Service charges debits. Registration of beneficiary for remittance for sending remittances Balance enquiry Statement of transaction Dos Visit the authorized SBI CSP/Kiosk Operator outlet only along with your ID Card. Operate your No Frill bank account at the CSP site only. Ask your SBI Kiosk Operator to guide you through the transaction. Always ask for a printed receipt of the transaction. Verify that the transaction amount is correct and check your balance in the account. Check the details of beneficiary being added to your account for remittance. Count the cash withdrawn before leaving the counter. Verify the charges with the list of Charges to be paid by customer displayed at the CSP. Report any malpractice to Customer Care Centre at ( specific to each BC)/ Branch Manager of link Branch /Channel Management Facilitator. Immediately inform the nearest CSP & our Customer Care Centre in case of lost ID card. Donts Dont give your ID card to any third party. Dont leave your ID card with the Kiosk Operator. Dont leave the counter without collecting receipt of your transaction. Dont accept handwritten transaction receipts from the Kiosk operator. Dont leave cash with the Kiosk Operator on his request of completion of your transaction later in case of no electricity or non-functional printer. Dos and Donts
- 17. OFFLINE PROCESS FOR ATAL PENSION ACCOUNT
- 18. COMMISSION STRUCTURE FOR BC & CSPs (Annexure - '1') (w.e.f 01.01.2015) S No Particulars Location Total Comission to be shared as 50% (BC & CSP ) 1 Small account opening fee including enrolment RuSu & UrMet Rs 20/. Per account for all 1.a Small account opening fee with initial deposit of minimum Rs 100 RuSu & UrMet Rs 20/ per account + additional Rs 5/ 2 Opening of account RD RuSu & UrMet Rs 20/ per account 3 Opening of accounts STDR (1 Yr minimum) RuSu & UrMet 0.5% of amount deposited (max Rs.25/-) 4 Cash Deposit RuSu 0.25 % of the amount ,Min Rs.2/ Max Rs 14/ UrMet 0.25 % of the amount ,Min Rs.2/ Max Rs 14/ 5 Cash withdrawal RuSu 0.50 % of the amount , Min Rs.3/-Max Rs 14/ Urmet 0.50 % of the amount , Min Rs.3/-Max Rs 14/ 6 Deposit into loan accounts RuSu & UrMet 0.40 % of the amount, Min Rs 2/ Max Rs 10/. 7 A/c to A/c remittance (non cash transactions)(home branch A/Cs RuSu 1 % of the amount ,Min Rs 3/ -Max Rs 10/ Urmet 1 % of the amount ,Min Rs 3/ -Max Rs 10/ 8 Tatkal Money Remittance to non Home Transactions(Deposite to Core by cash) RuSu & UrMet 1.4 % of the amount Min Rs 17.50 Max Rs 20/- 8a Tatkal Money Remittance to non Home Transactions(Deposite to Core by tranfer) RuSu & UrMet 0.6 % of the amount ,Min Rs 10/- Max Rx 30/ 9 IMPS transaction(Cash) RuSu & UrMet 1.4 % of the amount Min Rs 17.50 Max Rs 20/-
- 19. Micro ATM It is a devise to do the following transactions : a) Deposit b) Withdrawal c) Funds transfer d) Balance Enquiry Devises in micro ATM (as per micro ATM standards) a) Biometric Scanner b) Magstrip reader &Pin Pad c) Printer d) Connectivity- 2 channels of network connectivity
- 21. While the number of villages in India is 6,38,365 with a population of 742.5 million the number bank branches in rural areas is only 31,695. The National Sample Survey data as in the year 2001 reveals that 51.4% of nearly 89.3 million farmer households do not have access to any credit either from institutional or non institutional sources. Only 27% of farm households are indebted to formal sources. Only 13 per cent are availing loans from the banks in the income bracket of less than Rs. 50,000.