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State Bank of Bikaner and Jaipur

Home State Bank of Bikaner and Jaipur
Updated: 17-05-2018 07:37:38 AM

State Bank of Bikaner and Jaipur is a type of public-sector bank founded in the year 1963 in Jaipur. It came into existence due to the amalgamation of two banks namely State Bank of Bikaner and State Bank of Jaipur which were auxiliaries of the State Bank of India under the Subsidiary Bank Act, 1959. It has its head-quarters in Tilak Marg, Jaipur. It provides banking products and insurance related services to the customers. It has a total network of 1,140 domestic bank branches mostly spread over in Rajasthan, India.

IFSC Code

Every bank gives a unique code to all its branches operating in India. This code is called the IFSC code which is used whenever an electronic transfer takes place to identify the branch.

Types of Credit Cards
Loans
Saving Accounts
Fixed Deposit Interest Rates

Types of Credit Cards

The bank offers three types of credit cards which are specialized cards for the backward classes and the normal individual also.

  • Laghu Udhyami Credit Card Scheme
  • Kisan Credit Card
  • Expo Gold Card Scheme

Credit Card Statement

The statement which is generated by virtue of the usage of the credit card by the individual is called the credit card statement. This statement depicts the transactions in which the card was used and can be used to monitor one’s spending. Moreover, the card also reflects the outstanding amount payable to the bank for the credit transactions carried out by the customer.

Loans

SBBJ offers different variety of loans that cater to all the different needs and requirements of the customers be it home, personal or educational. The types of offered loans are as follows:

  • SBBJ Home Loan
  • SBBJ Car Loan Scheme
  • SBBJ Two wheeler loan scheme
  • SBBJ Reverse Mortgage Loan scheme
  • Vishesh Vahan Yojana for Rajasthan Govt Employees
  • SBBJ Rent Plus Scheme
  • SBBJ Career Loan
  • SBBJ Education Loan scheme
  • Loan for Rajasthan Government Employees
  • Loan scheme for vocational education and training
  • Housing loan scheme for NRIs
  • SBBJ Mortgage Loan Scheme
  • SBBJ Home cash
  • Loan for power sector employees
  • Earnest money deposit scheme for purchase of land/house
  • SBBJ Personal loan
  • SBBJ Varisth Nagarik Pension Loan Yojana
  • Home Loan centres

Home Loans

A part of the credit loans provided by the bank, Home loan is again sub-divided in to the below mentioned types. One can avail any of the following loans for the purpose of buying or building a house for residential purposes.

  • SBBJ Realty
  • SBBJ Maxgain
  • SBBJ Flexi Housing Loan
  • NRI Housing Loan Scheme

Saving Accounts

Savings accounts are also offered by the bank which promotes banking habits among the population. The accounts, mentioned below also earn interest on the daily balances maintained in the account. The rate at which interest is credited every half-year is 4% p.a.

  • Savings Bank Account
  • Silver Saving Account
  • Saral Bachat Khata
  • Suraksha Savings Bank Account

Fixed Deposit Interest Rates

Fixed deposits are also sold by the bank which aims to create a corpus in the long run. The tenure is of varying durations and the interest given also depends on the period for which the customer chooses to keep the deposit with the bank. The rates are:

  • Short-term Fixed Deposit Rates:

The short-term fixed deposit rates are provided for deposits of less than 1 year tenure and it ranges from 5.50% to 7.25% p.a.

  • Medium and long-term fixed deposit rates:

The interest rate on medium and long term deposit remains constant at 8.50% p.a. and it is a compounded rate.

  • Fixed Deposit rates for senior citizens:
For senior citizens, the fixed deposit rate of interest increases by 0.25% than the regular FD rates provided to non-senior applicants.
Internet Banking
NRI Banking

Internet Banking

The bank is in league with its contemporaries when it comes to providing internet banking facilities. Various banking transactions are possible to be carried out online some of which include:

  • Generating an account statement
  • Enquiring about the balance of the saving account
  • Issuing and stopping the payment of cheques
  • Issuing drafts
  • Opening fixed deposit accounts
  • Transferring funds
  • Paying your taxes or utility bills

NRI Banking

The bank provides various banking solutions in the form of savings, current or deposit accounts for NRIs who wish to operate a bank account in India. The following services are rendered to NRIs.

  • NRE Savings Bank Rupee Account
  • Current Account
  • NRE Term Deposit( Deposits in Indian Rupee)
  • Foreign Currency Non- Resident Deposit Account( Deposits in 6 Foreign Currencies that are Permitted)
  • Non-Resident ( Ordinary) Account( Maintained in Indian Rupee)
  • Resident Foreign Currency Account (RFC Account)
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