This document contains information about State Bank of India (SBI), including its history, branches, products, and services. It discusses SBI's evolution from the Bank of Calcutta established in 1806. It provides details on SBI's large branch network of over 13,500 branches in India and overseas. The summary describes SBI's personal banking, corporate banking, retail banking, and tax-related products. It concludes by emphasizing SBI's focus on launching innovative products, customized services, better customer service, fast problem solving, and customer retention.

1. PRAHALADRAI
DALMIA
LIONS COLLEGE
OF COMMERCE
AND
ECONOMICS
S.Y.B.M.S. DIV.:- A

2. 4th SEMEStER
2009-10
SUB.:- tAx
BAnk: StAtE BAnk of InDIA.
PRESEntED to: PRof. PAUloMI

3. GRoUP no.
SR no. nAME Roll no
1. PRIYAnkA AGRAWAl 2
2. RAVI BARAI 6
3. UShA MIStRY 27
4. AnkItA MoDI 28
5. RohAn ShAh 44

4. IntRoDUCtIon
The evolution of State Bank of India can be traced back to the first decade of the 19th century.
It began with the establishment of the Bank of Calcutta in Calcutta, on 2 June 1806. The bank
was redesigned as the Bank of Bengal, three years later, on 2 January 1809.
State Bank of India (SBI) is that country's largest commercial bank. The government-
controlled bank--the Indian government maintains a stake of nearly 60 percent in SBI through
the central Reserve Bank of India--also operates the world's largest branch network, with more
than 13,500 branch offices throughout India, staffed by nearly 220,000 employees. SBI is also
present worldwide, with seven international subsidiaries in the United States, Canada, Nepal,
Bhutan, Nigeria, Mauritius, and the United Kingdom, and more than 50 branch offices in 30
countries.
Branches
The corporate center of SBI is located in Mumbai. In order to cater to different functions,
there are several other establishments in and outside Mumbai, apart from the corporate center.
The bank boasts of having as many as 14 local head offices and 57 Zonal Offices, located at
major cities throughout India. It is recorded that SBI has about 10000 branches, well
networked to cater to its customers throughout India.

5. PRoDUCtS
Personal Banking
• SBI Term Deposits SBI Loan For Pensioners
• SBI Recurring Deposits Loan Against Mortgage Of Property
• SBI Housing Loan Loan Against Shares & Debentures
• SBI Car Loan Rent Plus Scheme
• SBI Educational Loan Medi-Plus Scheme
CORPORATE BANKING
• Working Capital Financing
• Term Loans
• Deferred Payment Guarantees
• Corporate Loans
• Export Credit
Retail Banking
• SBI Term Deposits
• SBI Recurring Deposits
• SBI Housing Loan
• SBI Car Loan
• SBI Educational Loan
• SBI Personal Loan
• SBI Loan For Pensioners
• Loan Against Mortgage Of Property

6. • Loan Against Shares & Debentures
• Rent Plus Scheme
• Medi-Plus Scheme
• Rates Of Interest

7. Other Services
• Agriculture/Rural Banking
• NRI Services
• ATM Services
• Demat Services
• Corporate Banking
• Internet Banking
• Mobile Banking
• International Banking
• Safe Deposit Locker
• RBIEFT
• E-Pay
• E-Rail
• SBI Vishwa Yatra Foreign Travel Card
• Broking Services
• Gift Cheques

8. DEPOSIT LOANS CARDS DIFFERENT CREDIT
CARDS
Savings Account Home Loans Consumer Cards SBI International cards
Life Plus Senior Citizens Loan Against Property Credit Card SBI Gold cards
Savings Account
Fixed Deposits Personal Loans Travel Card SBI Gold Master cards
Security Deposits Car Loan Debit Cards
Recurring Deposits Loans against Securities Commercial Cards
Tax-Saver Fixed Deposit Two Wheeler Corporate Cards
Salary Account Pre-approved Loans Prepaid Card Partnership Cards
Advantage Retail Asset Purchase Card
WomanSavings Account
Rural Savings Account Farmer Finance Distribution Cards SBI Employee Cards
People's Savings Business Installment Business Card
Account Loans

9. tAx RElAtED PRoDUCtS
1. Unit Link Products:-
1. SBI Life Horizon II:-
This plan offers the flexibility of Unit Linked Plan along with Automatic Asset Allocation
which provides relatively higher returns on your money where as increasing death benefits
provides higher security to your family.
2. SBI Life Unit Plus II:- SBI Life –
Unit Plus II Plans are an attempt to meet all your financial & insurance needs through a single
non participating product. You can use it the way you like. What’s more you get market
linked returns which in the long term has always proved to give better returns than traditional
savings products.
3. SBI Life Unit Plus Child Plan:-
SBI Life - Unit Plus Child Plan to suit you and your needs best. This Plan is meant for
parents in the age group of 18-57 having a child between the age group of 0-15 years.
4. SBI Life Horizon II Pension:-
SBI Life - Horizon II Pension is a safe and a hassle free way to get high returns! SBI
Life - Horizon II Pension comes with the unique feature of Automatic Asset Allocation by

10. means of which you truly, don’t need to be an expert to grow your money!
5. SBI Life Unit Plus II Pension Plan:-
This is a unit linked pension plan wherein the policyholder chooses an investment period
from 5 to 52 years for a vesting age between 50 to 70 years. Flexibility to choose between two
options a) Pure Pension ,b) Pension cum Life Cover. No medical required for Pure Pension,
automatic acceptance facility. And Many More….
2. Traditional Plans:- Long Term Plans
a. SBI Life - Money Back Plan:-
The plan has a number of moneyback options specially suited to your needs. The cover is
available at competitive premium rates. It has guaranteed cash inflows which can meet your
various financial obligations. In addition to normal death cover, the plan also provides you 4
additional covers.
b. SBI Life – Sudarsan: -
This is an Endowment Policy designed to provide savings and protection to you and your
family. You can save regularly for the future. Thus at the end of the plan, you will receive a
substantial amount of savings along with the accumulated bonuses declared. At the same time,
your family will be protected for death risk for the full Sum Assured.
c. SBI Life – Scholar II:-
We at SBI Life can help you ensure that your children’s future is secure and prosperous. This
plan is designed to protect your child’s future educational needs.

11. ConClUSIon.
From the analysis part it can be conclude that customers have a good respond towards SBI advance
products in Bhubaneswar. SBI is in 1st position having large number of customers & providing good
services to them. The bank has a wide customer base, so the bank should concentrate on this to retain
these customers.In present scenario SBI is the largest advance product issuer in India. Within a very
short period of time the achievement made by SBI is excellent, what a normal bank cannot expect, but
it is being done by SBI. It happens due to employee dedication towards the organization, fastest
growing Indian economy, & brand image.To be the largest advance product issuer, SBI should focus
on-
• Launch Innovative product
• Customized advance products.
• Better customer services
• Fastest customers problem solving techniques
• Customer retention
Apart from all the above, SBI believe in providing good customer services to their customers which is
a key factor for success in future.