State Bank of India [SBI] Complaints & Reviews

I made payment on 2.12.2008 for Rs 12000.00 Pyment still not credited to my account.after sending email sending photocopy of receipt.pesonally collect by banks employee. but receive call for payment .staff and officer of sbi card are irresponsible .they never care for sutomers complaints. they can harse only they are getting the salary for harseing innocent people



RECEIPT attached

My wife has applied for housing loan in the Month of September 2009 and the document verification and other formalities have been completed by 7th November 2009. We were promised that the cheque for the loan amount would be released within three days. In spite of this promise, till date the cheque has not been released. We are under tremendous pressure from the builder. The response from the SBI Housing Finance Branch at Thane highly irresponsible. The telephone calls are not attended to (never). The staff at this branch talk very rude and are not responsive. During my last interaction on 7th and 14th November, they have not even acknowledged the receipt of documents.

What a consumer can do now?

i have availed a loan for Rs.443000.00 in the month of march 2009 from sbi @8% for 240 months. the disbursed amount is Rs431000.00. they deduct a amount for Rs.12000.00 towards insurance charges but the insurance charge is Rs.10815.00, hence Rs.1185.00 should be returned to me or else adjusted with the loan account, but they didn't. And they are charging a EMI for Rs.3857.00 a month. The actual EMI @8% interest on Rs.443000.00 should be Rs.3705.00.
I went to the manager and talk abt the matter but he didn't pay nay heed to me. In this circumstances what do i do please guide me.

Sir/Madem,
I am Vikas Kumar Gupta from Raipur (Chhattisgarh) & my application No.
is ESI 120159.
I have sended my account opening to SBICAP form on 07/11/2009, its more then 1
month, but there is no responce from sbicapsec.. As at the time of
form submiting you have toled me that within 10 day your account will
be activated.



Vikas Kumar Gupta


MBL No. [protected]

I have lost my SBI ATM/ Debit card attached with my bank account No.[protected] today evening at about 1600 hours. No detail of the ATM card is available with me, please block it

myself s/b acc. holder (acc no [protected]) of mpkv rahuri dist ahmednagar 413722 withdrawn rs 1600 from icici atm at lda colony lucknow (up) but error persists as tranasaction failed & cash did not obtained. on complaint 30.08.2009 & 30.11.2009 ,to bm sbi mpkv rahuri it is not solved instead , irrevalant justification are given so, kindly take the necessary action to above said branch & refund the same amount with penalty of 100 rs/ day.

Please inform me about my value of INR in last Quarter My folio Number[protected] dt: 27.03.2008,[protected] dt: 19.08.2009

Sub-Regarding RBO/R-IV/PAK/NO.GEN/561
DIR SIR
Humble submission is that the company had applied on 14th sep2007 for loan on 25% or50 lacks susidy which is a scheme under ministry of food processing industry for rice mill in Aurangabad branch of state bank of India.
1. To join the benefit under the scheme as and when state bank of India branch Aurangabad asked to do any written or verbal instructions of the bank officials company has done accordingly and shell following whatever instruction a issued from time to time to the company.
2. For benefit of the company branch manager Aurangabad had decided that under SME segment SSI scheme the loan should be granted. The company had no knowledge how company is to be under the above mention scheme therefore, the company gave it consent for grant of loan under the scheme.
3. The company applied for loan on 14th sep2007 and waited till 26th jul2009 and waiting but when company got minutes of meeting held on 15th apr2009 at 3pm in room no 120 PanchsheelBhawan , New Delhi under the chairmanship of secretary FPI to review the follow up action with nodal officers of focal point banks under decentralised scheme for technology up-gradation/ establishment, modernization of food processing industry and thereafter, the company is under the fear that subsidy will not be granted to company.
When the company has informed the branch manager Aurangabad regarding taken decisions taken in the above mentioned meeting even than the banks not taking any interest regarding subsidy to the company, There after the directors of the company has decided that since Aurangabad branch is not taking any interest regarding subsidy to the company the matter should be taken to higher authority of the bank.
4. One of the eleven decisions of the above meeting is that all the old cases of subsidy should be disposed of by 15th may2009 and new cases be enclosed. It was also decided in the meeting that old cases subsidy must be enclosed by 31st may2009 and then only new cases of subsidy be taken up. But due to indifferent attitude of bank official, the company has only E. Number on E. Portal. Therefore the company from 27th jul2009 started to inform the bank officials regarding the matter. Is it crime to inform higher official regarding work of branch manager?
5. According to website w.w.w.mofpi.nic.in of ministry of food processing industry, Delhi under the decentralisation of plan scheme the subsidy of25% or 50laks is given on the cost of fixed asset 213.73lacks Rs. The Company gets the subsidy it is duty of the bank concerned. This has been confirmed by the website of the ministry. The bank has only taken E. Number of the company on E. Portal but the susidy should have been released and given to the company latest by 31st may 2009.
6. State bank of India granted loan on 18th dec2007 in the financial year[protected]. Susidy amount has already been released by the ministry for the financial year[protected]. This has been confirmed the website of the ministry but company has got only E. Number on E. Portal .The Company has not received the subsidy amount due to indifferent attitude of the bank officials.
7. The company should get the subsidy amount but the bank officials are not doing anything for this. According to rule the bank should not had charged interest on term loan of 50lack Rs but bank took interest on the above amount so the bank has charged assess interest on loan.
8. According to think tank of state bank of India credit rate of rice mills sb9 and above and CRA rating of new rice mill is sb7 and above, the loan for rice mill unit in SME segment rice mill plus 11% to 12.75% is available.
According to bank of Aurangabad company rice mill unit credit rate and CRA rate sb2 in spite of SME segment granted loan under SSI scheme.
Branch manager in the interest of bank granted loan on assess interest rate of to 13.25%to14.25%. And also by smooth-taking took consent of the company but took interest on loan at the rate of 13.75% to 14.75%.
But due to delay of subsidy amount the bank is in the profit but company is suffering lose. Why branch manger could grant loan on SME segment rice mill plus scheme?
9. Branch manager in his own interest and in the interest of bank showing the latter dated 27th Dec2007 But why he is not showing letter and resolution dated 28th Dec2007 passed by the directors of company to the higher authorities.
10. Branch manager is showing latter dated 21st aug2007 to his higher authority because with the help of above latter he is trying to hide his fault and the interest of bank but company has written dozens of latter for benefit of subsidy on 14th sep2007 and again wrote latter’s to the branch manager.
11. If the branch manager considers latter dated 5th sep2008 as green signal than decision taken on 15th apr2009 in the meeting between chairmanship of secretary, FPI and nodal officer of bank, the company should have received the subsidy on 31st may2009. The loan issued by the state bank of India in the financial year[protected] subsidy has already been received which has been confirmed by the website of the ministry. Due to the fault of bank the company has only got E. Number on E. Portal.
12. According to reserve bank and also by the think tank of the bank in SME segment SSI scheme 0% mortgage and on 0% margin or rice mill plus scheme 15% to 25% margin and 75% company guarantor valued loan is available but bank officer granted loan by surpassing plan scheme. The bank manager has taken 141.85 lacks and land valued at 12 lacks plus fixed deposit, LIC, SBI Life of 20 lacks. The company had objected about mortgage than bank official refused to issue loan. Therefore the company was forced to give fix deposit, LIC SBI life and land in mortgage. The company has spent on rice mill unit 113.73 lacks to till 31st march2009. Company collateral security is valued 287.58 lacks and guarantor valued 433.04 lacks. The total guarantee of the company is valued 705.62lacks.
13. Therefore as per rule the think tank of the bank return 20 lacks of fixe deposit, LIC, SBI life and also land mortgage of 12 lacks so that company could spent the above mentioned amount on the development of the company because bank gave to the company 91. 48 lack fewer amounts as loan.
14. When branch manager granted loan to the company at that time a written agreement was signed by the company and the bank. In the agreement it was agreed that interest of every month will be deposited in the bank in next month will be deposited in the bank in next month between the date one to the last date of the month but branch manager takes interest amount and instalment of term loan amount before last day of the month from the company’s account and this is being done without informing the company and also without the cheque issued by the company.
15. Company got information from website of ministry that application on for subsidy should be filed before commercial production. The raw rice unit of the company was ready by March 2008. The boiled rice unit was ready by september2008. The company applied for commercial production many bank does not replied. Therefore the company started commercial production of raw rice from 29th jan2009. But commercial production of boiled rice could not be started because the company is under the impression that some problem may be faced by the company’s regarding subsidy. Due to the uncooperative attitude of the bank the company’s commercial production could not started fully and for this the company is suffering lose.
16. Whenever company director meets the bank officials regarding above mentioned matter than branch manager only explains how recovery agents behaves with party. Does the company’s position is for recovery?
17. When branch manager granted loan to the company taking too much interest but now branch manager is not taking any interest that company gets the subsidy in time. And for this the company suffered loss of one corer and still suffering loss. Due to the indifferent attitude of the branch manager the company has failed to deposit interest and instalment amount since july2009.
18. Therefore it hubby submitted that you take interest regarding company’s problem so that company is all to return bank loan. The company’s directors take interest in this season is December2009 towards the company or they are involved in rule and regulation of bank. The state bank of India took E. Number on E. Portal for company 27th Aug2009 BUT gave wrong information about the company on E. Portal. This was corrected only on 14th Oct2009.
19. That the instance with fact of recovering loan, taking excessive interest on the loan amount and not giving subsidy according to the prescribed from in spite of the sanction by the ministry of food processing and taking assets mentioned in the preceding paragraphs as mortgage out of the circular indicates altogether the harassing ill motivated and in active attitude of the bank.
20. Respected sir due to indifferent attitude of the bank the commercial of company was much delayed. The company suffered financial loss for the above mentioned reason. If you take interest in the company’s matter. Than the company will get subsidy soon so that company’s loss can be avoided and also company get bake LIC, Fix deposited , SBI life worth 20lacks and land worth 12lacks so that this amount can be spent on the development of the company.
Whether the above mentioned fact shows that bank manager is not taking any interest regarding subsidy to the company.
Whether the above mentioned facts only company is at fault or the bank this should also is decided? For this kind consideration I will be obliged. DEVENDRA KUMAR SINGH

NAGVANSHI RICE MILL PVT LTD
G. T. ROAD, INDUSTRIAL AREYA (BIADA)
JASOIA MOR, AURANGABAD BIHAR824101
MOBIL-[protected]

Dear Sir/Madam,
I'm Holding Railway SBI Card having No:
[protected],my Address is:
Pratyush Veer
4 Shri Narayan Nirman Complex,Ellora Park, Subhanpura,Baroda-390023

On 17/5/2009, a cheque of Rs.5000.00, having Cheque No:586143,of Bank Of India was presented to SBI Card, and then I was been informed through a received letter dated 4th June 2009, from Pathak and Associates (Advocates), New Delhi, Sub: Notice under Section 138, for my cheque which was not at all given by me.your the cheque is bounced,as a matter of fact I 'm not holding any account till date in Bank Of India and I don't know who has played mischief(might be your collection agency in Baroda), who has submitted my Card No, on the cheque.

I have I was very shocked on receiving this as I'm working as Branch Manager in a reputed Company and I have got a good image in the society.
I have requesed several times since June 2009 to Baroda GE branch to Mr. Rajeev and Anu Madam as well as customer service for apology letter and reversal of charges levied to me for this unfair act done to me, but till date no apology letter has been issued to me.
I 'm very much fed up and frustrated now , so writing to you expecting for a proper justice to look deeply into the matter or I'll be forced to knock doors of the Court for this act from SBI Cards, which is very shocking.
Looking fwd. to a fair reply.
Yours Truly
Pratyush Veer
M:[protected]

I have applied for both Subh Yatra and SBI Railway credit card. My Subh Yatra account in active since October 18 2009, but haven't received SBI Railway credit card yet (Dec 2 2009). When I click apply for SBI railway card it says,
"Thank You. You have successfully applied for your SBI Railway Credit Card"

That means they have received my request.

My Subh Yatra account details are given below
Name: Mr. DEEPU MOHAN PUTHROTE
Shubh Yatra Account Number: [protected]
Shubh Yatra Account Status: Active
Membership Commenced On: 10/18/2009
Membership Valid Till: 10/17/2010

I hold a saving a/c in State Bank of India. One day when i went to my sbi branch in Gokuldham,Goregaon(e) to inquire about demat services of sbi . One of the representatives of Sbi demat services named jagdish informed me that there is no a/c opening charges & annual maintenance charges for one year after one year i will be charged Rs.399 as annual maintenance charge thinking that he is a employee of reputed bank he won't lie i agreed to him and opened an a/c. but, in march 2009 my a/c was being debited of 400Rs. again in may i was being debited with Rs.399 when i asked sbi they informed me that were annual maintenance charges & a/c opening charges. i complaint to the superior of sbicapsec but got no reply from them. some superiors told that they could do nothing about it . because of there representatives misinformation i had to suffer. Please get me my money refunded . In this fear i haven't used my demat a/c a single time.

Dear Sir,
My father was a Railway Pensioner (Original Pension File No.377). He expired on 11.12.2008 and accordingly I have applied for family pension & balance 60 percent arrears in the month of April, 2009 but neither pension nor any response received from bank till October. On 31.10.2009, I have lodged a complaint No.2249 with CPPC, New Delhi and also written various e-mails to DGM customer Service and also submitted all the papers again with paying branch (code 03389) in the month of Nov.,2008 but till date neither the pension is credited to my mother's account No.[protected] nor I have received any response from pension payiung branch.

You are requested to convey my complaint to the relevant authorities and arrange release of Family Pension & balance 60 percent arrears. immediately.

Sir, I have an savings account in STATE BANK OF INDIA, A.U.CAMPUS, VISAKHAPATNAM, ANDHRA PRADESH, with a/c. no:[protected].I regularly draw money from different Bank ATM Counters, on 1/12/2009 I visited the ANDHRA BANK ATM Centre at GAURI NIVAS, PANAJI, GOA. when I inserted the card and after typed my Pin number the report came out that your has declined. and it gives error code with 054. but it surprised I saw that the amount of Rs 520/- has been deducted from my account.

I request the concerned authorities to look into the matter and see that my amount of Rs 500/- will be credited again to my account.

regards,
pavanmiriyala,
mobile no: [protected],[protected].

Sir,
Long back (may be more than a year) i have applied or SBI railway credit card. four months back one telecaller lady called me from Bangalore and told that we want to give SBI railway card. I said Ok give me. From that point onwards i have received more than ten calls from your telemarketing team regarding my complete details.Finally they told we are sending our Rep to collect the documents. two to three times i gave time and was waiting nobody has come to collect. Then the same telecaller phoned me and asked did our Rep come?. I said no, then he told sorry (This story continued for one week). Finally one fellow (Rep) came to my house and collected Xerox copy of the ID proof and filled in application signed by me.After a week i received a message from TA-SBI card that my application is under processing, in the mean time one more fellow came for address check and he enquired how long u r staying etc.
At this point of time i thought that though it was late but this SBI card team is really working very systematically for issuing Card like that. After this much of disturbance to me by phone call, collection of all details, last week i have received a message that "We regret, we are unable to accept your request for SBicard at this point of time as it does not meet our internal policy for card issuance".
By reading this message i was really shocked because
for the past five years i am using only IRCTRC for booking my railway tickets without any credit card facility.
I am a Central Govt. Class I officer with PayBand 3 serving since 2003 and income tax assessee
On what basis they have rejected my request.
If i am not elligible for the card, i surprised who else are eligible for your card.
How your TA-SBI team is working i dont know even if they are fooooolish to the core also cannot reject my application. (i am really v sorry use such a harsh word)
Now what i want is Defnitely i dont want your card at this time, but i want my documents back

Kindly return my signed application and ID proof xerox which were collected by you Rep.

I, Bhagwan Sharma am having Stae Bank Of India ATM cum debit card No.[protected] and one Add On ATM cum Debit card to this card. I have forgotten the serial number of the lost Add On card. Please block the add on card immediately and confirm.

Dear Sir,


This is with reference to SBI customer namely Km. Geeta Sharma (POOR STUDENT) D/O Shri Devki Nandni Sharma A/C No. [protected] SBI Branch: Shamshabad – Agra R/O Village: Chamroli, Dist: Agra

I, Siyaram Sharma, am one of relative of Geeta Sharma whose belongs to very poor family and she is having above mentioned saving account with your (SBI) Bank for getting the scholarship from govt. girl’s collage.

3-4 Days back, I am much socked to see her account statement in SBI passbook for debited her account for the cash withdrawal transaction of Rs.2550/- dated 31/10/2009. Now available balance is Rs. 7/- only. I have called up to shamshabad branch manager immediately but as per bank records, transaction has done on the basis of withdrawal form with fake signature of Geeta Sharma. Because of she is admitted in hospital since last six months due to disease then how she can withdrawal the amount from the branch? She cannot stand on own foot since last six months.

Finally, branch manager is not able to say anything therefore I am going to write a mail to get the information against fake transaction of Rs. 2550/-. I believed that state bank of India was very secure in way of transactions in past 40 years but now, I am much socked to see this happening with poor family.

First of all, I would request you to please send the procedure to register the case against fake transaction Rs.2550/- at the earliest. You can make a call on below mentioned number for any information at any time.

Thanking you in anticipation,

You’re faithfully,

Siya Ram Sharma
(Head Master)
A.P.Inter College, Agra
# [protected]

This has been highly frustrating that just because of the bank's irresponsibility & carelessness ,A student is not able to submit the fees,A job seeker is not able to apply...This has been a habit of state bank people to refuse their customers coming with their urgent requirements, this is not the first time...whenever i go to them with any of my urgent request...i have always got the refusing statement...yesterday i came to know about a job advertisement which was only applicable for 2 days...i.e. for sunday & monday...so i could only apply on monday...when i visited my local branch they said their printer was not working i requested for a manual draft to be issued...they refused...staff was not available on their seats...then i visited the AIMS branch nearest to my place...after standing a long queue,they said that they dont entertain outsiders...Am i outsider?...i have an account in SBI...but still they couldn't listen to anything and refused...i was highly disappointed and frustrated...earlier also i have been told that SBI don't entertain any kind of drafts requests after 1 pm...its not written anywhere...since they work in govt sector so they have full right to refuse anyone anytime...this is really shameful for a bank like SBI which represents our state...

Dear Sir,
My Saving account no is [protected] my account is in SBI brach Multai dist.Betul M.P.,last thee mont ago i have oppend my D-met account is in Kamothe Branch Navi Mumbai Maharashtra,but i can't able to fund lean for my saving account to D-mat account yet,I conteced my home branch & submit there application for giving tranjiction rites,but they are saying me i cant do any hellp in thish matter,but 400Rs debit in my account,Sir i want to trading pls do any action or sugase me what can i do for it.

Dmet Bo ID is:-[protected]
Saving AC no is:-[protected]
Clint Code is:-ESI65510
Internet Banking User ID is:-AnusuiyaRitesh

Dear Sir,

I have a NRI account [[protected]] with State Bank of India Vile-Parle [East] branch along with family member’s saving accounts.

I have net banking access. I saw SMS facility & completed the required information on net. I got the SMS as “Your mobile number is registered for Internet banking and should be approved by your branch.” I went to my branch I requested them for approval. They told me to bring the reference number. After searching a lot on sight, finally I got it. I went with it to the branch. Now they are asking me to bring the print out of the form.

First of all I do not have printer & being NRI, I have shortage of time since I am leaving on 07/12/09. From my side nothing is pending & now it is branch’s responsibility to approve it. I do not see any secrecy in giving form by me because the form will be submitted to branch & all information will be open to them.

I request you to help me in this matter & improve this approval system for future.

I hope that within 2/3 days the issue is resolved. I have already told you that I do not have time hence please do not ask me for printing the form.

Regards,
Shirish Deshpande [[protected]]

i hold account in rewa citi (4667) branch of state bank of india, with A/C no [protected].
my name is pranav jha.
i have subbmitted the pension order and filled up required form to the branch manager by hand with the response positive but its 2 months now and still i havnt received any payment..
kindly help me or look out in the matter.
also the behavior of bank is rude toward common people and they help only the people recommended