Services at Non Home Branches ?

State Bank of India (SBI), in its ongoing commitment to innovation and customer convenience, has revolutionized its banking ecosystem through the aggressive implementation of the Core Banking Solution (CBS). With CBS, SBI customers have transitioned from being “Branch Customers” to truly “Bank Customers.” This transformation empowers account holders—particularly those in the Personal and SME segments—with the flexibility to access a wide range of services across all CBS-enabled branches, breaking the conventional barrier of branch-specific operations. SBI from time to time releases Circular and Master Circular for services to be provided to its customer. Here are the details of its latest Master Circular about Services at Non Home Branches on dated 31 January 2025.

What is the difference between a home branch and a non-home branch?

What is a Home Branch ?

Home Branch is a branch where the Customer’s Account is maintained.

What is a Non Home Branch?

The Banking facilities available to Customers at branches other than home branch are called non-home branches.

What are the services available to SBI customer at non home branches?

SBI provides a number of non-home branch services to its customer which are mentioned below in details.

The Financial transaction facilities available at Non-Home branches are:

a) Transfer of funds from one account to another internal account.

b) Cash Deposit/ Cash Payment (with ceiling)

c) Same day credit through cheque as per ceiling mentioned on the cheque.

d) Issuance of IOI.

e) Transfer of funds through RTGS/NEFT.

Cash Deposit & Withdrawal Services at Non Home Branches ?

How much cash can you deposit at a non-home branch?

Savings Account (Personal): No limit (you can deposit any amount).
Agriculture Account: Up to ₹2,00,000.
SME Account: Up to ₹5,00,000.

Current Accounts (per day cash deposit limit at non-home branches):

Regular / Silver / Gold / Diamond / Platinum / Shubharambh → ₹5 lakh
Rhodium → ₹10 lakh
Government Departments: Up to ₹2,00,000

Special Cases

Currency Chest or CAC branches: No deposit limit (you can deposit any amount).
Other SBI Branches: By default, ₹5 lakh limit. But the Branch Manager can approve deposits above this with system approval.

Can you withdraw money from a non-home branch?

Yes, you can. But there are limits:

1. Personal Accounts

Self (using withdrawal slip): ₹25,000
Self (using cheque): ₹10,00,000
Third-party (using cheque): ₹25,000

2. SME Accounts

Self (withdrawal slip): Not allowed
Self (cheque): ₹2,00,000 (for most current accounts)
Third-party: Not allowed

3. Agriculture Accounts (KCC cheques only)

Self (withdrawal slip): Not allowed
Self (cheque): ₹1,00,000
Third-party: Not allowed

Restrictions

No cash withdrawal for CAG/CCG/CMP cheques.
No third-party withdrawals for current accounts.

Special Privileges

Wealth Savings Account holders (under SBI Wealth Management): No withdrawal limit.
Premium Current Accounts (Diamond, Platinum, Rhodium, Shubharambh): Self-withdrawal limit is ₹5,00,000 per day via cheque.
Other Current Accounts: Usually ₹2,00,000 per day (self-withdrawal via cheque).
No Lien & Silver Current Accounts: Limit is ₹1,00,000 per day.

Note:

For any withdrawal, you must show either:
- Your Passbook (for Savings a/c) OR
- Any Officially Valid Document (OVD) as per RBI rules.
For third-party withdrawals, the third person must also show their OVD.

In short:

Deposits: No limit for Savings a/c and Currency Chest branches. For others, limits apply (2L–10L depending on account type).
Withdrawals: Savings a/c holders can withdraw up to ₹10 lakh (self via cheque), but most others have lower limits.

Can passbook updation Services at Non Home Branches of SBI?

Yes. Savings Bank passbook Original as well as Continuation can be issued and updated at all non- home branches (SBI circular dated 19 March 2019)

SBI Multi-City Cheque (MCC) Rules – Simplified

How much can you transfer with Multi-City Cheques?

Savings Bank Accounts

Normal Customers (other than HNI/NRI):
- Transfer (same bank): Up to ₹10 lakh
- RTGS/NEFT: Up to ₹10 lakh
- Both legs non-home (when both account & transaction are at non-home branch): Up to ₹10 lakh
HNI/NRI Customers:
- Limit is higher → Up to ₹50 lakh

Conditions:

For RTGS/NEFT above ₹2 lakh, customer must register for Positive Pay System (account-level).
For transfers above ₹5 lakh, Positive Pay registration is also required.

Current Accounts

Transfer (same bank): Up to ₹100 lakh (₹1 crore)
RTGS/NEFT: Not allowed (must be done only at home branch)
Both legs non-home: Up to ₹5 lakh

For non-personal current accounts (like firms/companies), these limits apply for transfers via cheque.

Transactions within same CIF (Customer Information File)

All transfers within accounts of the same customer (same CIF) are allowed.

No Limit for Certain Accounts

Rupee Vostro Accounts
Dividend Warrant Module
These transactions are allowed without any ceiling.

Important Notes

RTGS/NEFT always backed by cheque – You cannot do these transfers with only a debit voucher (exception: inter-bank settlements).
Current Accounts:
- RTGS/NEFT can be done only from home branch (not allowed at non-home branch).
Savings Bank Accounts:
- At non-home branches, you can do RTGS/NEFT up to ₹10 lakh.
- For inter-bank settlements (like clearing house), banks can use debit vouchers.

Exemptions (where restrictions don’t apply)

Some branches and units are exempted from these restrictions and can continue transfers as usual (but still no RTGS/NEFT for Current A/c at non-home branch and no transfers above ₹10 lakh for Savings A/c at non-home branch).

These exempted units are:

All CAG/CCG/CMP enabled or DGM/AGM headed branches.
All BPR outfits like RACPCs, SMECCCs.
Special arrangements approved by Group Head (e.g., Western Union, SBI Card, Gold Loan, etc.).
All Clearing CPCs.

In Short (Layman’s View):

Savings A/c: Normal = ₹10 lakh, HNI/NRI = ₹50 lakh (non-home transfers).
Current A/c: Transfer up to ₹1 crore, but non-home branch withdrawal max ₹5 lakh. RTGS/NEFT only at home branch.
Special Accounts (Vostro/Dividend): No limit.
Some special branches (like CAG, RACPC, CPCs): Can still do transfers as before, but system won’t allow breaking RBI rules.

Others: Non Financial Transactions

a) Depositors may submit the Form 15G/H at the any branch (Home/ Non-home).

b) KYC updation can be done at non-home branches also.

c) Registration/changing of registered mobile number is allowed at Home/ non-home branches on providing one of the OVDs as prescribed in Policy on KYC, for the purpose of identification.

d) Functionality for reactivation of Inoperative Current and Savings Bank Accounts is enabled in CBS at non-home branches.

e) Customer can apply for a Debit Card through the non-home Branch also.

f) Functionality has been rolled out in CBS for enquiry, creation and deletion of nomination at Non-Home Branch also for Saving Bank/ Current Account/ Term Deposit accounts/ Public Provident Fund/ Senior Citizen Saving Scheme, Sukanya Samridhi Account/ Mahila Samman Saving Certificate accounts.

g) The pensioner can submit his/her Life Certificate at any nearby and convenient Branch (non-home Branch) Pension Paying Branch of the Bank.

h) Customers can provide details regarding fraudulent transactions at any branch (Home/Non-Home). Branch will deactivate user id of YONO/ RINB/YONO Lite in RINB platform and lodge the complaint through CRM.

i) Facility of Agri Gold Loan through YONO Krishi Digital Platform: Agri Gold Loan can be opened for non-home branch customer Portal.

j) Transactions at Non-Home branches are NOT allowed for SBI CAPGAINS-PLUS-under Capital Gain Accounts Scheme-1988

Does a non-Home Bank branch charge a fee?

Service Charges:

Service Charges for Home and Non-home branches are equal and system driven. No extra service charge will be applicable at Non home Branches, It will be same as Home Branch.

What are the Services available at Non-Home Branches of SBI?