State Bank of India [SBI] Complaints & Reviews

From last 1 year i am continuously contacting sbi people but no one responding.
Details -
I have taken car loan from sbi jubilee hills branch hyderabad. Branch code 11745. (540000 rs loan amount). Loan account number[protected].
Issue -
From last 1 year always they are blocking my additional amount (Other than emi value) from my sbi saving account.

My total emi value is 12300 rs and due date to pay emi is 5th of every month.
This month on 5th october 2017, i was having more than 17000 rs in my account but they blocked all amount and due to that emi is not deducted from my account and on 7th october 2017 they charged. 295 rs for late emi fee charges.

So if i already have enough balance in my account and sbi people blocked it and due to that emi was not deducted so what is my fault.

They can not say due to security reason they blocked because i already paid additional amount 230000 rs for my loan. So there is no reason of security.

Action -
From last 1 year always they are blocking money. So many times i called customer care and raised complaint online and always its routed to branch and no one responding from branch.

I sent email to nodal officer and branch more than 5 times but no one responding.

Below is details -

1. October 8th 2017 sent email to sbi.[protected]@sbi.co.in, agmcustomer. [protected]@sbi.co.in, agmr2. [protected]@sbi.co.in, cmcsr2. [protected]@sbi.co.in but no one respond.

2. August 7th 2017, sent email to agmcustomer. [protected]@sbi.co.in but no resolution or followup done for issue.

3. January 6th 2017 sent email no response from sbi.

4. November 22nd 2016 raised complaint online - vl[protected].

5. September 29th 2016 raised complaint online - ai[protected], no response from branch.

6. September 19th 2016 sent email

I called so many times on branch number - [protected] but either its coming busy or no one attending call.

In big city its very difficult to go branch always for this issue. As always they are blocking and no one responding.

Need help for this.

Sir,

On october 10 2017 one fake person called claiming to be from sbi bank took details of my fathers sbi bank account credit card and made unauthorized transactions to :
1. Www olacabs com gurgaon in : rs. 7, 000
2. Idea payment mumbai in : rs.5, 000
3. Memo debit : rs.7, 859
We noticed it after 2 transactions and immdiately notified sbi to cancel the card. Is there anyway we can claim the lost amount.

Thanks
Ramana

Shayad ye complaint box help nhi krta, tbhi ye sare incidents hote h sbi me jis tarah isme complaints h, me 19 years ki hu, mene indore se account transfer karaya jbp me branch krishiupaj mandi jabalpur, indore se address change kra dia, yha akr bhi new adress registered krvana th, information k liye, sbi me staff se puchha, vhi pr ek madam ne kaha sir btaenge, sir se jb pucha gya, ki sir transfer kraya h, address chnge karana h, he is not able speak clearly, unhone kya words kahe kuch smjh nhi aya, aisa teen bar hua, tbhi ek dusri ldki ayi, use kuch uske account se related problem th, vo phone me mail chck krne lgi, jisse usko, kuch btana th, isliye mere father ne puch lia ki mjhe chnge krna, h adress, and he spoke too badly, kaha ki apko dikh nhi rha ki km kr rhe h, ek ek ki sun le, this is how you treat your customer, information daant k dete ho, mjhe meri mother father ka account open bhi karan th is bad behaviour k bd hamne dusre bank me apply kr dia

Part-2

Reg. Complaint against sbh ludhiana branch manager (Earstwhile) and 4 others for their
Indulgence in corruption, frauds, scams

This complaint pertains to shri shiva swamy and shri rajesh kumar while they were working
In
State bank of hyderabad, ludhiana ssi branch as branch manager bm and field officer fo.
Both
Of them were involved in corruption and frauds and despite that they are getting
Promotions
Rather punishment for cheating the bank and its clients for years due to their some
Godfather. The list is very big and i have just given some instances. Loan of about rs 60
Lacs
Was sanctioned to m/s sigma exports international, ludhiana which was engaged in export
Of
Cycle parts. The unit sent first consignment to indonesia against the bank norms, rbi
Guidelines and ecgc norms. As exports were not permitted to this country and thus ecgc
Cover
Was not available, despite that the goods were allowed to sent by bm and fo for huge
Bribe as
The unit was new and thought they will get better price. The goods reached malaysian port
But
The borrower thereat did not pay money and after reasonable time the customs authorities
Had
To sent the documents back and bank lost the complete money and goods got rusted and
Still
Lying there or thrown thereat as demurrage charges were so high. Bm and fo kept the
Papers for
One year in their drawers and did not bother to inform the bank controller at delhi
Regional
Office and rbi despite the guidelines to do so immediately. It came out only in audit.
Bank
Lost the whole amount as ecgc cover was rejected for this country and the property
Mortgaged
To the bank as collateral security found to be fake which was also overvalued by three
Times
At the time of sanction of loan and at the time of recovery, the sale deed found to be
Fake.
No action was taken against these guys except they were rewarded in the form of
Promotions.
The facts were known to shri c. V. Ramana, chief manager advances, delhi regional office.
He has
Also protected these officials as he was equally responsible for the happening of these
Deeds.
I also told shri t. N. Prasad about this issue as he undertook audit of the branch after
These
Happenings but he also kept quite and failed in his duties intentionally and completely
And
Allowed the bank to suffer in future too. This also cast aspersions on his quality of
Audits
For other branches too. I agree that genuine mistakes will take place while working but
Hiding
Scams, frauds intentionally by auditors is too dangerous to express. Even dgm shri v. P.
Singh
Who was head of shri t. N. Prasad did not take any action intentionally as he was head of
Inspection department at that time. This has allowed these guys to commit further frauds
And
Resort to corruption in future too so only cbi investigation is must against all the five
Officers above.
Shri shiva swamy and rajesh kumar were also responsible for allowing hawala transactions
Worth
Humdreds of crores to
One of the exporter and importer and these officers minted money like anything and about
4
Raids were undertaken by dri amritsar regarding this unit.
In addition to the above facts, shri rajesh kumar took a lot of money from the clients to
Extend undue benefits and favours. Once the account of m/s sona plastics became npa due
To
Devolvement of lc and the unit was not cooperating, so regional office directed the
Branch
Manager and fo not to release the nargin money and adjust it in the account. But one day,
When
Bm was on leave, rajesh kumar released the money to the client after taking kickbacks.in
Another case he leaked the confidential inormation to m/s neelam steels for sake of money
.
The branch had a doubt that this unit is doind some hawala transactions and wrote a
Letter to
Nepalgunj custom authorities to verify the genuineness of documents but fo told this
Information to the party for sake of money as later on m/s neelam steels created lot of
Problems for the branch manager.
He took goods more than rs 50000 from ludhiana for his brothers marriage and the money
Was
Paid by the clients.
He invested the bribed money in his hotel at kulu.in fact he had a plan to buy one hotel
At
Kulu as one of the clients shri singla told me as rajesh kumar himself told him during
Discussions.
Many times he was caught extending benefits in bill discounting commissions by doing
Wrong
Computations intentionally so as to get money from the parties and once he went to
Amarnath
Yatra alongwith one client and all the expenditure was done by the client. While rajesh
Kumar
Took lfc amount from the bank and submitted the papers/tickets paid by client. He went to
Amarnath yatra alongwith one shri tarsem gupta, proprietor of m/s tridev industries who
Told
Me after a long time. If cbi investigation is conducted, many more serious things will
Come
Out. Otherwise bank will suppress this case.
I also request cvc to expedite the other complaints (6 nos) as the bank will dilly
Dallying
The issues intentionally. I am also in touch with rbi, finance ministry, supreme court to
Protect the national interest.

—
Case 2. This is a new case regarding ms darasha kumari when she was a branch
Manager in sbh narsing branch, haryana. She failed to create a valid and
Enforceable equitable mortgage of the property and put the bank in a loss of
Rs.3.00 crores in 1998 as the equitable mortgage was created on photo copies of
The property and original title deeds were not obtained. Instead of taking action
Against her, she was rewarded by way of promotion. Account became defunct and
Bank lost a huge money due to her negligence.

Case 3
Mr agarwal, m. D of sbh in the year 1997 sanctioned rs 3 crores just 2 months
Before his retirement to m/s raj solvex having account with sbh chandni chowk
Branch, delhi. After retirement, shri agarwal joined this co. As director as
Against rbi directions and within 2-3 years the loan amount escalated to rs.32
Crores. Mr agarwal was acting as a mediator between the co. And sbh top officials,
To facilitate sanction of loan and pass on commision to sbh top officials. Bank
Lost the whole money as the account became npa soon and nothing could be recovered
As rs. 80 lacs worth property taken as collateral security was also found to be a
Dharmshala at the time of enforcement and could not be enforced and bank lost the
Full amount. Simply branch manager was transferred and mr agarwal was told to
Resign from the co. So that cbi should not know about their nexus.
I will inform that this is one instance i have mentioned and most of the retired
M. D. S of the bank had been doing the same job and i have evidences for that too.
I know sbi chairman will also not take any action as it was referred to them also.
So is the case with cvc. And i can only trust only the honourable supreme court
Only to save and protect the nation and public from the clutches of these
Criminals.

Satnam singh wadhwa
—
Shri rajesh kumar erstwhile field officer, ludhiana branch for his involvement in
Hawala
Transactions alongwith the then branch manager shri shiva swamy for more than rs 100
Crores of forex
Transactions allowed through the branch and one case where bank lost about rs55 lakhs in
M/s sigma
Exports international as the fake collateral security in the form of property were taken
And loans

Were
Sanctioned and fema violations were permitted. This is only a brief and details are
Submitted to cvc.
(Ii) smt darasa kumari — bank lost more than rs 3.00 crores due to her negligence and
Original
Property documents were not taken and punishment was given in the form of promotion.
(Iii) shri ravindhra kale — he sanctioned housing loan to the same borrow of sbi who
Cheated both

The
Banks, no title deeds were available, no house constructed, borrower was also
Untraceable, case was
Dropped against him due to some presure from officers association.
(Iv) shri aggarwal and shri thanu pillai — both of these retired managing directors of
Sbh joined

The
Two different companies for facilitating loans by the top officials of the bank and took
A bribe and
Later on accounts became defunct and bank loat rs 32 crores and rs 8 crores in m/s raj
Solvex and m/s
Century oils ltd. And there are many cases in the bank like this.
There are many cases like this in the bank and these are only a few illustrations. Public
Money is at
Stake as these officers are eating away the public funds.
—
Egarding hawala transactions — a big issue
It is a big issue concerning the country and rbi also may be missing it in its audit.
Though the
Guidelines are there but not followed by many foreign exchange branches knowingly or
Unknowingly and
The result is this in all banks. Modus opearandi... Whereever the units receive full
Advance payments
And there the fake/bogus bills are prepared and some branches give the forex
Bills/documents to these
Companies on their request to dispatch directly where branches may not be knowing the
Consequences of
It.in some cases neither the goods are dispatched fully and documents are sent to buyers
As per
Understanding and in some cases these units have opened their offices/branch in foreign
Countries and
It is very simple as money comes in advance form but bills do not go back.in some cases
Fake

Documents
Are submitted where even some officials of customs are also involved. I have seen all
This and came to
Know only when i handled it practically and i reported the matter of shiva swamy and
Rajesh kumar of
Sbh ludhiana branch but the issue is closed by the bank and only my complaint to rbi,
They told a

Story
To rbi and issue is closed. This is not a case of one branch and it is happening to a
Large extent
Through out the country but rbi must take it seriously to ensure compliace of such things
And should
Not completely dependent on the banks as you have trusted a lot and they have taken you
And country
For a ride.
Media can also help in confirming all this by using their means.

I.
The list is very large and i can give only some instances which are just tip of the
Iceberg.
1. Shri r;nujam a retired cgm of sbh was aregular comer to delhi from 2000 onwards and
His call girls
Bill in five star hotels were paid by the then agm scope complex branch by debiting other
Expenses

Such
As under stationery and so on. This is just one instance for him and there are many
Instances like
This.
When corruption comes characterlessness follows it in most of the cases. He promoted one
Girl from
Sweeper to clerical cadre against the bank norms and every one knows about this case in
Bank.
2. One mr banejee retired gm was caught red handed in hyderabad guest house with two
Young girls and
This gm was bachelor.
3. Shri p; raman retired as gm and has a big history. Once he was went to poliuce station
When he in
Jaipur five star hotel eve teased a foreign lady in the swimming pool and this was a
Major issue in
Media.
4. One gm was caught red handed by sib dept. Officials in h. O.in day time i. E. Office
Hours with a
Lady manager.
5. Even a seniour laison officer used to say that your any problem will be resolved
Provided you
Arrange for wine and women for directors leave alone other officials.
6. One real estate manager used to supply call girls to top management. Some laison
Officers also do
This job of pimp for top officials.
This is the character of sbh top officials and if any one feels that this is not correct,
I will
Not only prove this but will give you many more instances like this. Why should i get
Embarrassed to
Write this when those whose are indulged into it, have no iota of shame.
7. One mr v. P. Singh who was deputed from sbp was most characterless and even his wife was
A drunkard
And a call lady. He was once caught even in a bid to rape his some distant relative and
You can think
What he has done for others.
J.
In continuation
I will mention some instances after the year 1998, however the list is very large as
Regards
Manipulations in sbh at various levels.
1. Manipulations in reporting and recordings in priority sector lendings. How bank
Officials inclusive
Of top management make fools to the government agencies in this area will definitely
Shock you as to
Whom you are trusting for years and they are fooling you and cheating the all concerned.
Sbh, mumbai main branch had been showing a few accounts worth credit limits of rs 135
Crores as ssi
Though it were c&i accounts despite the directions of auditors. Then in one year the
Branch manager
Complying to auditors advice, changed these account's status to c7i advances. And after
Some time the
Matter came to notice of top management in the meeting and they fires the concerned dgm
For changing
The status as it will reduce the priority sector lendings and ultimately the status got
Reversed to
Ssi. There are many cases like this still in this bank.
Similarly the advances to warehouses amounting to rs 330 crores were classified as ssi
Despite the
Auditors instructions to change it and here again top management came into picture and
Did not permit
To change the status from ssi to c&i.
Similarly in hyderabad, mehboobganj branch credit limits to c&i account was classified as
Ssi and
Chief manager (Sib) that time was deputed to change the status and to whom i also
Accompanied. Branch
Manager was fired on behalf of the top management.
I have seen many ssi units which went for expansion and even financials were indicating
C&i status
But these were classified as ssi.
There are instructiond from top management to show the achievement of priority sector
Lending by hook
Or crook. Approximately 25% of accounts (Value wise) may not be ssi but are shown as
Ssi. Which the
Government agencies will never believe but it is true,
2 manipulation of data had been a common issue since past years.
3. Similarly many real npa accounts are manipulated to show as standard assets by
Manipulating or
Permitting units to do so by inflating stocks or show very high number whether these are
Available
Thereat or not. Many cases belong to this category and with honesty if you classify the
Accounts,

There
Will be another 30 % accounts in the books of bank.
Satnam singh wadhwa

—
Regarding big housing loan racket by sbh and sbi in delhi and in fact throughut india.

Dear sir

I am satnam singh wadhwa had forwarded you 8 emails regarding scams, frauds and corruption in state bank
Of officials by its

Top officials worth more than rs 11000 crores with all the evidences and proofs but unfortunately even
After 8 years no action has

Been initiated against them despite more than 60 emails/reminders as if it is not a serious case for
You while you have been

Wasting your time in years for tiny fake and fabricated issues on behalf of the bank and remember the
Rules and regulations are

Same for all whether an individual or an institution and cbi just cannot be biased to one and against
To others under the same

Conditions. If cbi is biased for one then how the justice will be done and what will be the reputation
Of cbi in the world.in such

A serious case neither you have taken any action against the top officials of sbh nor you have
Responded to my emails since the

Year 2008 when i forwarded the first email to your hyderabad office. Remember cbi is not the king of
India and has to function

As per the constitution of india and if you are biased and not doing your duties as per rules of the
Land you are supporting the

Criminals and culprits then you are equally liable for punishment too so do not think yourself as god
And treat the bank top

Officials as criminals only who have cheated the public and it is still going on starting from sanction
Of high value loans without

Collateral security, manipulations of financials, raising of fake bills, even their call girls bills
Are paid through branches which i

Have seen myself.

So if you do not reply to my complaints within 4 days, i will be constrained to proceed legally against
All the culprits and who are

Protecting them i. E cvc, rbi etc and once this issue came to the notice of public, half of the indian
Banks will simply collapse

Within 2 days with multiple black spots on such controlling institutions. The honourable supreme court
Is already aware

About these facts. So if you want to maintain your reputation and dignity you must go ahead with
Investigation against such top

Officials and stop harassing the honest and innocent officials under duress from such officials. If you
Do your duties honestly

About 95% officials of the bank will get dismissed but i will not leave it as injustice has been done
With me by sbh and cbi.
Now i am adding some more cases pertaining to housing loans in banks as i studied many cases in delhi
After a case was files

Against me as i had worked as a branch manager for the first time in the bank as i joined as a
Specialist officer and bank forcibly

Posted me as branch manager against the bank rules to do so and i never worked in the branches except
At head office. I came

To know many things happening at delhi bank branches especially for sbi and sbi group in delhi and my
Findings are as

1. There are about 400 companies at delhi engaged in the sanction of loans from the banks.
2. There are more than 65 % of the housing loan cases in delhi alone which are sanctioned in the areas
Where even approved

Plans are not sanctioned by the municipal authorities
3. These facts are not only known to the banks top managements and in fact they pressurise the branches
To sanction such

Loans as they are forced to improve the business in this segment and very very good accounts are not in
Existence and if are, they

Go to sbi, hdfc and icici and they too finace such loans as there is no choice or otherwise do the
Business or close the bank.

Then who is responsible for such things, it is top management only as otherwise the officers are made
Scapegoats. And thhe

Directions are given in the meeting at various levels, training centers, circular guidelines etc and
Pressures from the controllers

Of the branches.
4. Hundreds crores of loans in this sector are being sanctioned by each bank every month in delhi
Itself and the position is

Even worst in other areas too. Even rbi latest guidelines are not being followed
5. Even in many cases the title deeds of the housing properties are fake and are difficult to identify
By the branches as they are

Just coloured copies as i have found in my research here at delhi.
6. Even some cases the housing properties are not available, title deeds are inginuine and even
Borrowers are not available and

In one such case even two banks i. E. Sbi and sbh pune branch sanctioned loans to the same borrower (Not
Traceable), no house

Is in existence and i had complained to sbh and cbi, cvc and rbi but no action was taken against mr
Ravindra kale as branch

Manager.
7. Cbi has to do justice with every one and has to dismiss about 95% bank officials on these lines as
They have registered a false

Case against me otherwise i will go to court for justice while making the concerned competent
Authorities too and bring the facts

To the notice of all in this world.

So i request the cbi to initiate action against all the officials of sbi and sbi group especially sbh
Immediately and book the top

Officials of the banks immediately who have worth crores of property acquired through bribery and
Corrupt activities.
As it is very old matter and no action is being taken by you too and your non response within 5 days
Will indicate so many

Things. I hope you will do justice in the matter and will avoid tarnishing the image of cbi at least as
Afetr knowing these facts

And further no action on that will lead to breach of trust by the public who will never belve you again
And i do not want that you

Should see such a day in future as once the trust lost in such cases where all the evidences are given
Can never be regained.
I will also forward this email to the honourable supreme court and others for their perusal or
Necessary action.
I still hope that you will maintain the respect and honour of your institution and investigate the
Matter on an urgent basis

Starting from housing loans in delhi by sbi group and go ahaed with other issues also.

Thanks a lot

Satnam singh wadhwa

Note: forwarded message attached

— original message —

From: "satnam singh"[protected]@rediffmail.com
To: [protected]@cbi.gov.in
Cc: [protected]@cbi.gov.in
Subject: fw: sbh exposed -7, hawala transactions
Note: forwarded message attached

— original message —

From: "satnam singh"[protected]@rediffmail.com
To:
[protected]@sbi.co.in, md. [protected]@sbi.co.in, [protected]@rbi.org.in, [protected]@rbi.org.in, [protected]@iba.org.in
Cc:

Rajesh. [protected]@nic.in, vivek. [protected]@timesgroup.com, [protected]@zeenetwork.com, [protected]@zeemedia. Esselgroup.com, i
[protected]@aajtak.

Com
Subject: sbh exposed -7, hawala transactions
Regarding hawala transactions — a big issue

It is a big issue concerning the country and rbi also may be missing it in its audit. Though the
Guidelines are there but not followed by many foreign exchange branches knowingly or unknowingly and
The result is this in all banks. Modus opearandi... Whereever the units receive full advance payments
And there the fake/bogus bills are prepared and some branches give the forex bills/documents to these
Companies on their request to dispatch directly where branches may not be knowing the consequences of
It.in some cases neither the goods are dispatched fully and documents are sent to buyers as per
Understanding and in some cases these units have opened their offices/branch in foreign countries and
It is very simple as money comes in advance form but bills do not go back.in some cases fake documents
Are submitted where even some officials of customs are also involved. I have seen all this and came to
Know only when i handled it practically and i reported the matter of shiva swamy and rajesh kumar of
Sbh ludhiana branch but the issue is closed by the bank and only my complaint to rbi, they told a story
To rbi and issue is closed. This is not a case of one branch and it is happening to a large extent
Through out the country but rbi must take it seriously to ensure compliace of such things and should
Not completely dependent on the banks as you have trusted a lot and they have taken you and country
For a ride.

Part-1

Reg. : complaint against sbh and sbi
This has a reference to my complaint against the abivesaid banks through emails dated october 2016 and
Your response to that.

Seeking hard copies of the complaint.
In this regard, i would like to mention that i am an ex-employee of sbh and whatever i have stated in
My complaint are just a

Few illustrations only and the facts are much more serious and alarming as far as corruption, frauds
And scams in sbh are

Concerned by its top officials from the year 1995 onwards. Firstly a brief about/overview is given
Which is followed by the

Detailed information and it is infact already was emailed to you.
1. The bank top officials especially sbh are mainly responsible for at least 30-35% of the npa/losses
To the bank due to

Corruption and scams where the medium and large quantum loans are sanctioned in a planned way to cheat
The bank/public

Money only which will be clear from my detailed information as these instances have happened and are
Known to many officials

In the bank and i have studied more than 350 loan proposals and i know as how the financials of the
Companies are

Fabricated/manipulated by the companies/chartered accountants in nexus with top officials which account
For a major chunk of

The npa accounts in addition to the genuine npa accounts.
2. Banks know and are responsible in many cases of hawala transaction cases and i exposed them in one
Case of ludhiana

Branch with mr rajesh kumar as field officer.
3. Bank has promoted many officers who made the bank to lose a lot of money where even properties taken
As collateral security

Were found to be fake/bogus and i reported a few cases to the sbh, rbi but all in vain and there are
Many such cases in the bank

And it is losing a huge money every year.
4. Crores of rupees every year are spent by raising bogus bills by the branches, controllers and head
Office officials
5. Crores of rupees are being paid unauthorisedly every year to the temorary staff not shown in the
Records and against the rbi

Guidelines by appointing 1-2 staff on temporary and unauthorised basis.
6. Banks retired md, cgm and gm join after retirement many companies to facilitate enhancement in loans
And pass on the

Bribed money to the sanctioning authorities and many such accounts have become npas and bank lost huge
Amount in such

Cases. About rs 38 crores were lost in chandni chowk branch where two mds had joined two different
Companies after their

Retirement as directors against the rbi guidelines and bank paid a high price for it and there are many
Such cases in the bank

Where crores of rupees are being written off every year and it is happening in almost all the big
Branches of sbh which might be

True for sbi too.
7. The bank has lost a huge money in npas recently and the actual amount is much more than this which
Will be

Exposed/reflected in near future and if the control over such issues of corruption is not
Excercised/guilties/criminals are not

Punished such things will continue forever and the honesty of such top officials every one in the
Country has seen in

Demonetisation.
8. I was also in a team of three officers who had undertaken study of npas in the banks a few years
Back and found serious

Irregulaties/gaps/flaws/wrong appraisals etc which are responsible for major npas and you can see the
Npa files which will tell

Everything.
9. The nexus between the top officials and officer's association is another serious area responsible to
Encourage corruption as

Officers associations also settle many such cases of officers after taking a huge money from them and
One mr harshvardhan (

Chairman/secretary of officers association) is such a person who has acquired a lot of assets by such
Means.
10. Bank top officials acquire a lot of assets after retirement and most of gm and md belong to this
Category as corrupt money comes out after retirement which you can verify on selective basis as the
List is very big as most of top

Officials are involved/are corrupt and have taken gold bricks/flats etc in big loans and even one of
The most honest md mr

Mehrotra used to tell that he was offered gold bricks when he was md but he never did any wrong
Thing/sanctioned wrong

Loans but others are doing so. Mr lal used to take one flat for the home loans sanctioned to the
Builders for residential projects

And for other loans too. Mr khandelwal, md was also most corrupt and has a lot of properties in delhi
And punjab etc. Mr

Ramanujam was another corrupt official who even spent rs 25 lacs on a hanuman temple in his house at
Banjara

Hills, hyderabad and these are just not even the tips of iceberg. Amitab guha was another corrupt md who
Openly misused

Banking machinery, staff on the ocasion of his daughter's marriage and used training
Centre, food, cars, officials for many

Days, guest houses freely and more than rs 10 lakhs were spent by bank for him unathorisedly and how
Much money he might

Have taken for sanctioning loans and one loan case from chennai had come through retired cgm, shri
Ganeshan for rs 20 cr

But the need based loan requirement arrived at rs3.5 cr and he called me too for discussion and put
Pressure for giving the

Appraisal report for rs 20 crores but i did not agree to that as my report was based upon facts and
They were after me and

Hatched a conspiracy against me and spoiled my career for being honest. List is exhaustive and the
Factual position is very very

Grim and if this continues, the public money will be eaten away by these termite type top officials in
Future too. These are only a

Few instances as there are many such instances in each individual case and they are realy very
Characterless too and one will be

Shocked to know about it as what happens in five star hotels, guest houses, bank premises and liason
Officers can give the full

Details and this list is also too big.
11. A big racket is going on in the housing loans sanction as i have mentioned for delhi which is
Applicable for sbh and sbi for the country as a whole under the directions of top management of the
Banks.

The details are given hereunder.

—

From:
satnam singh wadhwa
hyderabad-500029
date: 3-5-2008
the director,
central bureau of investigation
new delhi

reg. Complaint regarding scam/frauds/bribe etc against top officials of sbh

1. I am satnam singh wadhwa from state bank of hyderabad and working presently at
Technical consultancy department, head office, hyderabad. I had been victimized by
The bank during the year 2003 by fabricating a case/ hatching a conspiracy and the
Case was referred to cbi. My main fault was that i brought certain illegal
Activities taking place in the bank, to the notice of top management which was not
Digested by them as a few retired general managers were also involved. I had to
Reveal this information as i was being harassed by the inspection/ vigilance
Department of the bank on the instructions of shri v. P. Singh who happened to be
Dgm (Inspection) at that time and he was in dispute with my dgm, delhi. As he could
Not say anything to the dgm, delhi directly while auditing the delhi regional
Office and branches under its control, he preferred to harass the branch managers
Such as chandigarh branch, panchkula branch and ludhiana branch. Shri v. P. Singh
Took the assistance of shri r. P. Handa in fabricating the case as shri handa was
One of the customers of ludhiana branch who was involved in hawala transactions
And i closed his account. All other information is available with yourgoodselves.

2. I am writing this letter to bring it to your kind notice that the innocents
Are being torchered in the bank and the real corrupt officials, persons involved
In serious scams and frauds are going scot free. I have enough evidences to prove
That the bank top officials are involved in anti-national activities, anti - public
Activities, anti rbi/finance ministry actions/ directions. As per my assessment
The bank is a defunct bank with thousand crores of negative net worth due to
Actual losses if we go as per rbi guidelines in reality and the balance sheet of
The bank is also a fake/bogus one. Lot of scams are being suppressed by the top
Management especially wherever they are involved. Top management officials have
Crores of properties acquired by corrupt means.
3. The actual non performing assets (Npas) are not less than 30% while the
Actuals are being shown as less than 1 % as hundreds of npa accounts are being
Shown as standard ones while in reality they are non performing assets. I have
Given details of some accounts studied by me the details of which are enclosed
Herewith. Such accounts which are shown standard and excellent accounts in the
Banks books are in really sick / defunct. For instance an account namely m/s
Sterling cnc engineers (P) ltd (For details please refer exhibit-1) with sbh
Gurgaon branch shows the siphoning of funds to the tune of rs.50.00lakhs for which
Additional term loan and working capital loans are recommended and when the facts
Were brought to the notice of the dgm, delhi regional office, the account was
Closed immediately as fraudulent activities (Bogus stock statements, bogus
Balance sheets, bogus transactions, fake book debts against which bank has been
Financing to most of the borrowers on bogus chartered accountants certificate as i
Came to know on their actual verifications during my studies of such units etc)
Were taking place therein for which the bank was very well aware of as siphoning
Of funds was permitted by the branch manager itself by allowing drawings through
The account of the company for which the required cheques are available with the
Branch as evidence.. There are hundreds of accounts like this in the bank.
another similar account i. E m/s dairy craft (India) pvt. Ltd (Please refer
Exhibit-2) which is excellent as per banks books, was having bogus balance sheets,
Siphoning of funds more than rs.40.00lakhs, bogus stock statements, excessive
Credit limits etc. And still this account is continuing with sbh, chandni chowk
Branch, delhi but enhancement in credit limits was not sanctioned after i brought
These facts to the notice of bank executives in my report.in a nutshell when this
Is the position of standard accounts as classified by the bank, one can imagine
The fate of other accounts of the bank. Thus a big racket is going on in this bank
And all the rules and regulations of rbi / govt. Are flouted by the bank to
Sanction loans to such accounts which are becoming npas subsequently as end use of
Funds are not seen at all and the fake statements are kept on records for show
Purpose. Only.
4. Another - national activity which results the nation a loss of crores of
Rupees as non receipt of income tax because the bank encourages/ motivates those
People whose earnings are good but are not paying and do not want to pay income
Tax and are not filing income tax returns and intend to avail term loans against
Properties. To encourage such people, bank evolved a scheme where no income tax
Returns or any other proof of income will be asked from the borrowers and loans
Upto rs.100.00lakhs can be sanctioned merely against the value of property and
Loan amount can go upto 50% of the value of the property. Initially the loan
Amount was rs.10.00lacs but of course the response was good and the bank enhanced
The loan limit. About rs.6000 crores of loans have been sanctioned under this
Category during past 2 years and one can imagine the loss of income tax to the
Govt. Due to the wrong policies of the bank. And moreover such accounts are
Classified under priority sector advances and thus depriving the real and genuine
Small borrowers from their rights as they do not have properties and thus denied
Loans. More than 35% of such loans are virtually non performing assets as the
Balance sheets of such accounts are bogus. For instance the loans sanctioned
Against properties is being shown as working capital for sme advances while the
Stocks are not available in reality or small quantities are available as the loan
Amounts are withdrawn from the business and thus the borrowers have to forcibly go
For fake financial statements and the bank closes its eyes and virtually the
Accounts should be treated as npa as per guidelines. Recently one study conducted
On m/s shubh mangla industries, bangaluru, account with sbh rajajinagar branch,
Has shown the same thing and when the facts were brought to the notice, the
Account was closed immediately. I also enclose the banks revised guidelines
(Exhibit-3) for enhancement in credit limits upto rs.2.00crores which is self
Explicit as to how the rbi directions for monitoring of advances, end use of
Funds, need based finance, collateral free loans upto rs.5.00lacs, waiver of stock
Statements etc. Resulting into the accounts to become npas over a short period of
Time as mentioned in above case of m/s shubh mangla industries, having account with
Sbh, rajajinagar branch.
i also enclose a letter (Exhibit-4) addressed to the agm by one of the branch
Managers which is self explicit and indicates as to how sbh intends to sanction
Loan against properties without caring for sales turnover. This also shows that
The sales recorded by them in their books are only 10-20% of their actual sales
Due to vat 6% and other problems. This clearly indicates that as to how the bank
Is playing a major role in the destruction of national revenue collections and
Spoilage of the monetary process of rbi/govt.in fact most of the cases are alike.

5. About 25 % of the small scale industries accounts are not ssi at all as those
Are become medium enterprises but the bank since years is showing such accounts as
Ssi only to satisfy the bench mark for priority sector advances. About worth rs.
135 crores of advances to medium enterprises category were intentionally were
Shown as ssi despite the instructions of statutory auditors on the written
Instructions of top management. Similarly about rs.400 crores of advances to
Warehouses (Medium enterprises) are being shown as ssi. About rs.65 crores of
Advances in medium category are being shown as ssi units for the same purpose in
Mehbubgunj branch, hyderabad. There are so many other accounts like this in
Different branches which are classified as ssi units knowingly to achieve the
Bench mark and save from the imposition of penalty.

6. About rs.40, 000/- crores of medium and large category loans are sanctioned by
The credit department, h. O. Of the bank the quality, monitory of advances, end use
Of funds will show as to how many accounts are really bad. A recent study
Conducted by me for m/s godavari polymers (P) ltd, an account with our commercial
Complex branch, secunderabad shows the level of manipulations/ fabrications and
Banks control. This account is excellent and standard as per banks books but my
Observations were as follows.
(I) the account was enjoying rs.3.50 crores of cash credit limits and now the
Credit limits were enhanced to rs.8.00crores (Only for cash credit account as
Total limits are about rs.16.00 crores). As per my report if we go as per banks
Guidelines the unit does not get any limit and the details are enclosed herewith
As exhibit-5 so one can imagine the fate of the bank and the level of
Manipulations for which bank is also a party and crores of loss to the nation in
Different forms and deposit holders in particular as they are the ultimate.

7. As per my assessment, there is an average loss of at least rs.65.00 crores
Every year to the bank due to manipulations / fabrications of bills, unauthorized
Payments, adjustments due to - utilization of banking machinery especially by the
Top management of the bank. Some instances are furnished below.

(I) loss of rs.8.00crores is due to unauthorized payment to the water boys / the
Persons appointed unauthorized at branches/controlling offices of the bank, to
Whom the salaries can not be paid but their services are utilized unauthorisedly
With the knowledge of the bank and payment is made by raising bogus bills, bogus
Petty cash and monthly wages are paid to them. There are one/two such fellows in
Each branch and each person is paid rs.3000/- to rs.4000/- every month. This
Estimates to about rs.8.00 crores of loss to the bank.

(Ii) there is a loss of about rs.10.00 crores of loss to the bank every year due
To the payment of petrol charges to each officer while the average expenditure of
Each officer is not more than rs.1000/- per month and the reimbursements are made
On bogus bills. Thus one can imagine as to how the public money is mis utilized.

(Iii) crores of rupees are disbursed to the officers of the bank on the same
Furniture & fixtures on the bogus bills supplied by say at h. O by m/s karthik
Electricals and m/s pasa. The former supplies electrical items bills and the
Latter supplies furniture item bills when both of them have no showroom /shops
Except the note books of fake bills and they charge 3-5% as commission for
Supplying bogus bills with the knowledge of top officials and the commission
Amount is shared upto top executives. This is happening at h. O. Level for the last
Many years. Also recently computer loans were sanctioned on the bogus bills
Supplied by m/s bharat data products a bogus company who charged rs.500/- for a
Quotation worth rs.50000/- all the sanctioning authorities and auditors are well
Aware about these facts. There are so many happening like this with the knowledge
Of the top officials under their nose.

(Iv) mis-utilization of banking machinery is a common thing i. E. Whether cars,
Guest houses, training centers, lightning arrangements or any other expenditure.
Recently on the marriage occasion of a daughter of top official, the above
Facilities were completely mis-utilized without any payment and lakhs of rupees
Spent were paid via bogus bills by debiting to bank account.

(V) the level of corruption at higher cadres is so high that one of the honest
And retired md said once that he was offered gold bricks for sanctioning a loan of
Rs.2.00 crores. They have a lot of properties too and the real corrupt officials
Are going scot free and innocents are victimized and the same thing has happened
In my case too as i endeavoured to arrest the corruption and they made me victim
Of that and i am enclosing the letter after which i was made a pray and the
Contents of letter are crystal clear.

(Vi) not only this even the top executives are joining certain companies after
Retirement as director immediately to facilitate sanction of loans and ease the
Operation of sharing bribes and thus many accounts have become defunct and in
Certain cases bank has lost as high as rs.32.00 crores in an individual case. And
Many accounts are like this.in delhi, chandni chowk isbh branch itself bank lost
Rs.40.00crores within two years in two accounts namely m/s raj solvex
Rs.32.00crores and m/s century proteins ltd rs.8.00 crores where two retired mds
Joined as directors and rest is the history.

7. Banks own circular guidelines state that many accounts are very serious and no
Action is taken against anyone while i had been torchered for doing good business
By bringing a loss making branch to excellent profits and saving the branch from
Closure. As evident from the circular that even it returns are not obtained, legal
Opinion reports not obtained, even title deeds were found fake, no assessment of
Loan as it returns are not obtained and loans sanctioned without any basis, no
Mortgages created and so on and even then no action was taken against them. I
Tried to safeguard the interest of the bank and i was victimized for no faults of
Mine.

8. Top management have been protecting the real culprits despite i have told
About a few officials such as shri rajesh kumar earst while field officer,
Ludhiana branch and shri ravindra kale, ex branch manager, ludhiana branch. The
Information sought by me about these officials under right to information act 2005
Is not furnished despite their scams and cheating the bank to the extent of
Rs.14.00lacs and other losses mentioned therein. (Please refer exhibit-6 and
Exhibit-7for details where i sought information under rti act and banks incomplete
Reply attempting to protect the criminal elements) and instead of initiating
Action against them, simply it is replied that verification auditor has not
Mentioned anything about the income leakage while hundreds of vouchers are
Available in the branch as an evidence but the attempts are being made to protect
The criminals and cheats which also encourages others to resort to such
Activities. Moreover verification auditor is also a human being and can commit
Mistakes and there is nothing wrong in cross verifying the things if someone has
Given important information in the interest of the bank and the public. Similarly
Shri ravindra kale, when he was as branch manager at pune branch, sbh sanctioned
One housing loan to one borrower on the fake title deeds and the same person had
Also taken another loan from sbi also and both became defunct as the borrower was
Not traceable and repayments were not forthcoming. Please see as to how the
Management has saved sri kalethey have obtained a letter from the successor of sri
Kale that the title deeds are genuine and the case was closed forever while the
Facts are entirely different. I brought this information to the knowledge of top
Management but no action was initiated against him.

9.in a nutshell, the above facts are not even the tip of the iceberg and if you
Really want to save the bank, public interest and the nation, sir, you must do
Something immediately that will be the real service to the nation and the public
At large and the lesson to the real corrupt officials.
10.in addition to the above, certain benefits are extended to the persons known
To them. As in the past certain officials who are having their house at hyderabad
/ secunderabad are extended leased facility by the top executives as against the
Contravention of the rules and regulations of the bank extending a benefit of
About rs.[protected] per month while the other similar cases had been denied such
Facilities.


thanking you,



yours faithfully,



satnam singh wadhwa
—
To continue as part-2

I was trying to generate a new pin for my sbi account's atm card. I am not receiving any otp from sbi to my registered mobile number. I am receiving otp for other online payments but not receiving otp for new pin generation. I contact sbi branch and customer care support both but my problem not resolved. I try 3 ways to get otp - via sms, via atm machine and calling to customer care support. I try many times. Please resolve my problem. Thank...

Dear sir/mam
I am sanjula sharma having account in sbi pau branch, ludhiana.
Presently, i am in germany on training and tried transferring an amount of 1000 euros from my host (Dr christian möllers) account which is in ingdiba branch at göttingen germany on 14th sept, 2017.
It is surprising that i have not yet received any amount in my indian sbi account at pau branch ludhiana.
I tried to contact ingdiba branch at göttingen germany regarding the transfer but according to them money has been transferred and they provide me the details they were having with them and told me that they can’t help anymore.
Consequently, my husband (Dr. Anoop ruthwal) who is in india tried to contact sbi pau branch, ludhiana manager (Mr. Kuldeep contact no. [protected]) and has provided him all the necessary details but have not received any help from him since past 10 days. He is misleading us asking us to contact him on so and so hour of the day. Now he has stopped picking my husband phone. If he can’t help then he should at least guide us through the way for tracking the money. This response shows his irresponsible behavior and negligence towards his duties.
We are highly disheartened to bear such response of the sbi personnel.
This is very unfortunate, that a leading branch like sbi is treating its customers like this.
Please let us know at the earliest what we can do to track the amount or give us some reliable person contact from sbi branch.

Thanks and regards

I am customer of sbi shobhapur. Dist betul (Mp)
I have transferred 9000 rs through cash deposit machine by following digital india concept of pm modi
But still money has not been received by receiver.
When i reached sbi branch along with written application for sort out this matter, branch manager (Mr varna) refused to accept applications. And the staff looking this matter is also unavailable at seat for solving this matter.
I have to seat over there for 2 hours time 1:30 to 3:30 just to submit application.
As i am working in a firm where wastage of time is not tolerate able. I was not allowed to work that day.
This all happened due to negligence of sbi staff including carelessness of branch manager.
It is also noticed that sbi staff instead of solving any matter they just delays by saying come tomorrow or i am busy. It is also observed that most of the time staff at sbi are busy with phones.

Dear sir,
I am holder of new sbi debit card and when it is applied with correct pin number to any other banks atm, money could not be withdrawn from atm. I have visited sbi main branch, mussoorie 4 times in last two weeks but the officials there are unable to solve the problem. I have given my written complaint there along with other banks atm slips stating reasons for non - withdrawal about 14 days ago.
I am a senior citizen. The sbi atm is at some distance covering steep slope so going there cause inconvenience.
I therefore, request you to please solve the problem at the earliest so that i can use other banks atm situated close to my home.
Thanking you
Sincerely yours,
Subhash chandra gupta
Sb ac no
[protected]

Hi myself rukhsana sharif sayed residing in malad east mumbai 400097, i have applied for credit card n before card comes in my hand i got a call says call on [protected] for activation, they are from sbi credit card dept i called them as soon as i got the card i have them card no then she was done with the verification then i got a otp i shared that n 2 transaction was done 5000/-rs to payu paymentspvt ltd100 n 3220/-rs to www oxygenwallet.com on asking she said we are giving u discount card one time payment n lifetime benefit of 30%on purchased. Then i went next day to bank they said block the card they r fraud we don't call n ask customer about card no and otp. I block the card n called on the no, but the no is not in service pls help me to get them through the transaction n this should not be done with others. Pls help me.

Dear sir

A refund of 385 rupees was successfully processed on 21 september 2017 to my account. This amount should have been credited to my sbi account by now, but i have not received the refund till now.

I have called the state bank of india customer service many times including the unique transaction reference number but nobody has resolved the problem. No action is being taken

I have confirmed with amazon and they have successfully processed the refund

Kindly go through the charge dispute emails, locate the pending refund and follow the path back to amazon's payment processor to locate the refund.

Respected sir I want to complaint about sbi. I work in mohali phase 5.I all a resident of bihar I went to my nearest branch in mohali for new account opening. And there they refused to open my account only for not having local proof. But I had my Aadhar card and pan card of bihar. So is there any rule that account will be opened for only local address proof holder not for other region.Please reply me soon My phone no [protected]

Respected sir,
I wish to inform you that fraudulent transactions against my sbi credit card no. Xxxx-xxxx-xxxx-8790. Total amount is rs 65, 519.9 (62, 734.20 + 2, 195.70 + 395.23 + 90 + 500).
On 15/09/2017, i was going from office to metro station. I got 12 back to back messages on my mobile at metro station through sbi credit card sms service regarding the following transactions which have been made fraudulently (Dollars)...

Sir yesterday on 9th october i paid oline payments to the ts rta transport department through paytm but fee not paid to the rta services but amount deducted from my account please resolve this problem and send my amount to my account following five bills paid with paytm transcation numbers.
600 paytm txn no[protected]
300 paytm txn no[protected]
600 paytm txn no[protected]
600 paytm txn no[protected]
600 paytm txn no[protected]

The bank charged me twice 23.60 rupees for entering insufficient money for withdraw from ATM using my debit card, is it justified bank charging money for entering insufficient amount for withdraw from their ATM, I was not aware of my balance in account, SBI getting worst by charging in unfair ways, sometimes their ATM machines dont work properly, and

Dear Team,

I am using the sbi credit card last 3 year and now i have some financial problem to pay the amount on regular basis due to my job change. so i hereby request you to convert the balance amount (Rs57424/-) into 24 month emi. its easy to pay the bill on monthly basis.
otherwise its difficult to pay the monthly amount.i request you to please do the needful.

Yogesh Kumar
Credit card number: [protected]

With due respect i beg to say that i ishvinder singh s/o s. Baldev singh resident of 4251/1 street no 4, gill road opp. I. T. I. College, ludhiana, punjab, have a saving account number [protected] with sbi bank branch gill road ludhiana,
Sir during the midnite of july 21 & 22 a cheater has withdrawn rupee 50170.80/- from my account at the time of 1:05 am dated 22 july 2017 with the help of a duplicate debit card the original debit card is in my posetion. Someone has done a bigg fraud with me. My debit card limit is up to 40000/- but the cheater has withdrawn rupees 50170.80/-all these transections has made from paharganj, new delhi area atm’s. Details of false transections are attached here with and detail of my account also attached

To,
The chief branch manager
State bank of india
Main branch

Subject: charge dispute "refund never processed"

Dear sir

A refund of 718.20 rupees was successfully processed on 25 november 2017 to my account. This amount should have been credited to my sbi account by now, but i have not received the refund till now.

I have called the state bank of india customer service and also emailed the state bank of india main branch all the details many times including the reference number i. E. 74332747269726876092988 but nobody has replied or resolved the problem. No action is being taken

I have confirmed with amazon and they have successfully processed the refund

Kindly go through the charge dispute emails, locate the pending refund and follow the path back to amazon's payment processor to locate the refund.
My a/c number is [protected]

I got a call from ms pranita from sbi sales team and told me that i am eligible for irctc credit card and started describing all the benefits of the card. Since i was interested in getting a sbi credit card since a long time, only one question i asked, what will be my credit limit. She gave me a range from 50k to 2lacs. I said i would be applying for this card only if and only if my card limit would be atleast 1lac. She said before processing she will confirm the limit and after my approval only she would process my application.. She seemed so genuine that i agreed to apply for the card.
After some days she informed me that i am eligible for a limit of atleast 1lac but she cannot tell me the exact amount of how much above 1lac. I told her to process my application and gave my documents.

After one month i got the card today and saw that my limit is only 10k. I thought it could be some typing error so i called her again and told her why is the limit only 10k. She said that the delhi sbi team gave me the limit and it can change only after your usage after 3months.

Than i realized all the promises all the benefits she said were just faked. Now i dont want to accept this card. I dint even generate the pin. I want sbi to terminate all those sales executives who give false promises just to increase their sales and ruining sbi bank brand name. Giving you the list of people who had told me that i will be getting a limit of atleast 1lac on call

Main culprit - pranita - [protected]
Priya and tejaswini (They took my details for confirmation and had informed me that my limit is 1lac or above) - [protected]
There were two more whose name i dont remember to whom i spoke one month back.

For sbi bank reference, these sales guys had applied twice on my name, application number[protected] and[protected]. When asked them why two applications on my name then they told me that on first application my address were not correct. And the main point, i dint even sign on second applications. Your sales team has forged sign on the second application.

I got a call from ms pranita from sbi sales team and told me that i am eligible for irctc credit card and started describing all the benefits of the card. Since i was interested in getting a sbi credit card since a long time, only one question i asked, what will be my credit limit. She gave me a range from 50k to 2lacs. I said i would be applying for this card only if and only if my card limit would be atleast 1lac. She said before processing she will confirm the limit and after my approval only she would process my application.. She seemed so genuine that i agreed to apply for the card.
After some days she informed me that i am eligible for a limit of atleast 1lac but she cannot tell me the exact amount of how much above 1lac. I told her to process my application and gave my documents.

After one month i got the card today and saw that my limit is only 10k. I thought it could be some typing error so i called her again and told her why is the limit only 10k. She said that the delhi sbi team gave me the limit and it can change only after your usage after 3months.

Than i realized all the promises all the benefits she said were just faked. Now i dont want to accept this card. I dint even generate the pin. I want sbi to terminate all those sales executives who give false promises just to increase their sales and ruining sbi bank brand name. Giving you the list of people who had told me that i will be getting a limit of atleast 1lac on call

Main culprit - pranita - [protected]
Priya and tejaswini (They took my details for confirmation and had informed me that my limit is 1lac or above) - [protected]
There were two more whose name i dont remember to whom i spoke one month back.

For sbi bank reference, these sales guys had applied twice on my name, application number[protected] and[protected]. When asked them why two applications on my name then they told me that on first application my address were not correct. And the main point, i dint even sign on second applications. Your sales team has forged sign on the second application.