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Terms and Conditions


In these Terms and Conditions, unless the context indicates otherwise, the following words and phrases shall have the meanings indicated against them:

Account refers to the User's Savings Bank Account and/or Current Account and/or Fixed Deposit Account or any other type of account so designated by the Bank to be eligible account(s) for the operations through the use of Digital Banking including any Demat account opened with NSDL or CDSL.

Digital Account refers to the user’s savings bank account opened digitally using the new yono App and Portal

Bank refers to the State Bank of India, a body corporate constituted as per the State Bank of India Act, 1955 and having its Corporate Office at "State Bank Bhavan", Madame Cama Road, Nariman Point, Mumbai - 400 021(which expression shall, unless it is repugnant to the subject or context thereof, includes its successors and assigns).

Customer refers to Customer named in the Application Form and / or the person who logs in to yono App and Portal using his ID & Password/mPIN [and shall, where the context requires, includes any authorized representative of the Customer, accepted by the Bank].

Confidential Information refers to the information obtained by the customer from/or through the Bank for availing various services through Digital Banking.

Digital Banking means the digital services provided by the Bank to the Users on its digital platform through mobile application and/or web portal to access account information, products and other services (including Transaction of financial and non-financial in nature) as may be provided by the Bank from time to time in accordance with this terms and conditions.

Instruction means any request or instruction that is received by the Bank from the customer through Digital Banking Services.

Loan Account means any loan applied from the yono App and Portal

Other Holders of Demat Account refers to such holders other than the first named holder of the Demat Account.

Username refers to the login ID that a customer sets for themselves to access the online services

Login Password refers to the alphanumeric password that Customers sets themselves against the Username.

mPIN refers to the six digit numeric password that Customers set themselves against the login credentials for easy access.

One Time Password (OTP) or SMS Password refers to one time 8 digit (or such other higher digits as may be approved by the Bank) pass code that would be sent to a customer's mobile number registered on the Bank's record.

Personal Information refers to the information about the User submitted to the Bank in connection with the Digital Banking Service.

The Site means yono Portal

Apply Online Services are the Bank's services which provide the facility of applying for account opening and loan product through the yono App and Portal

"Applicant" refers to an applicant named in the Application Form and shall, where the context requires, include Co-applicant(s) with the Applicant.

"Application" refers to an Applicant's Account opening/ Loan application to the Bank through yono App and Portal. The Application Form referred herein includes but not limited to forms submitted/digitally in the yono App and Portal

"Eligibility" refers to an applicant's eligibility under the particular loan scheme. The eligibility displayed to an applicant in the yono App and Portal depends upon the inputs provided by the applicant and will be subject to the final assessment by the Bank’s official.

In- Principle approval letter refers to the letter conveying the indicative eligibility of the Customer for the loan and will be subject to the final assessment by the Bank’s official.


"Scheduling an Appointment" means submission of a request by the applicant to the Bank for document collection, document execution and/or KYC verification, etc.

Third party product refers to any product and/or service of a party other than the Bank which is offered through the yono App and Portal or the Bank as an intermediary.

User refers to a registered customer of the Bank using the Digital Banking and Financial services.


These Terms and conditions (or 'Term') mentioned herein form the contract between the User and the Bank for using the Digital services on Digital Banking platform through the Bank’s App or through the web portal. By applying for Digital Banking Services and accessing the service the User ...acknowledges and accepts these Terms and conditions. Any conditions relating to the accounts of customer other than these Terms will continue to apply except that in the event of any conflict between these Terms and the account conditions, these Terms will continue to prevail. The Terms mentioned herein shall include any subsequent modifications or changes to it duly made by the Bank and published in the site or Bank's website www.sbi.co.in. The agreement shall remain valid until it is replaced by another agreement or terminated by either party or account is closed, whichever is earlier.

Any terms and conditions relating to the loan schemes of the Bank other than these Terms will continue to apply.

3. APPLICATION FOR Digital Banking Services

The Bank may offer Digital Banking Service to selected customers at its discretion. The customer would need to be Internet Banking user or have access to the Internet. The acceptance of the application and the acknowledgement thereof ...does not automatically imply the acceptance of application for Digital Banking Services. The Bank may advise from time to time the Internet software such as Browser, which are required for using Digital Banking Services. There will be no obligation on the part of the Bank to support all the versions of this Internet software.

Though the Digital Banking facility is very convenient, and the Bank uses the advanced technological/security features on account, the technological knowledge and discipline required for operating such accounts and because of the inherent risks involved in case of failure to comply the confidentiality and other obligations of the customers, all users are advised to familiarize themselves with the correct and proper use of Digital Banking Service and the terms and conditions mentioned herein, before opting or using the Digital Banking facility.

Existing customers can access the yono App and Portal by using their existing Internet Banking (INB) login and password. New Users who are not SBI customers will have to open a Digital Savings account and complete the creation of Username and Password. Users who are SBI customers and have temporary Username and Password or ATM/Debit card will proceed their registration by entering the temporary user credentials or Debit card details and proceed with creation of new Username and password.

4. Digital Banking SERVICES

The Bank shall endeavor to provide to the User through Digital Banking services such as inquiry about the balance in his/her account(s), details about transactions, statement of account, request for issue of cheque-books, request... for transfer of funds between accounts of the same User and other accounts, international fund transfer, creation of Deposits (e-TDR/e-STDR/e-RD), Mobile Top Up, DTH Recharge, Utility Bill Payments, view income tax statement (Form 26AS), Home Loan Interest Certificate, TDS enquiry, Generation of Form 15G/H, Overdraft against Fixed Deposit, Payment of Central and State Government taxes, payment of fees of schools/colleges/universities and many other facilities as the Bank may decide to provide from time to time. These facilities shall be offered in a phased manner at the discretion of the Bank. The Bank at its sole discretion may also make additions/deletions to the Digital Banking Services being offered without giving any prior notices or reasons. The availability /non-availability of a particular service may be advised through the yono App and Portal of the Bank or written communication or any other mode as the bank thinks fit. The Bank shall take reasonable care to, ensure the security of and prevent unauthorized access to the Digital Banking Services using technology reasonably available to the Bank. The User shall not use or permit to use Digital Banking Service or any related service for any illegal or improper purposes.

The User would be allotted a User-id and a Password (to be used at the time of login) by the Bank in the first instance. The User will be required to mandatorily change the User-Id and password assigned by the Bank on accessing Digital Banking Services for the first time. Alternatively user can set a mPIN for easy access to their mobile application.

As a safety measure the User shall change the password as frequently as possible, at least once in 90 days. In addition to User-id and Password the Bank may, at its discretion, advise the User to adopt any other means of authentication including but not limited to smart cards, One Time SMS Password and/or Digital certification issued by Bank, licensed or approved Certifying Authorities or vendors.

The User shall not attempt or permit others to attempt accessing the account information stored in the computers and computer networks of the Bank through any means other than the Digital Banking Services.

Non INB customers will have to approach branch and obtain their temporary user name and password. Non INB customers who have debit card also can proceed with creation of Login name and password to create new User Name and Password for Digital Banking portal.

Login ID and Password for Non INB Customers and Services offered by yono App and Portal need to be included- Non INB Customers can gain access to Digital Banking by creating login credentials using their Debit/ATM card details, or by obtaining temporary internet credentials from their operating branch.


The USER shall:

  • keep the User-id and Password totally confidential and not reveal them to any other person including any person representing or claimed to be representing the Bank;

  • Create a password of at least 8 characters long and shall consist of a mix of alphabets, numbers and special characters which must not relate to any readily accessible personal data such as the User's name, address, date of birth, telephone number, vehicle number, driving license etc. or easily guessable combination of letters and / or numbers;

  • Commit the User-id and Password to memory and not record them in a written or electronic form.

  • Not let any unauthorized person have access to his computer or leave the computer unattended while using Digital Banking Services.

  • Not disclose/reveal his/her personal or confidential information to anyone over email/SMS/phone call even if it’s purportedly from State Bank of India. SBI or any of its representatives will never send emails/SMS or call over phone seeking the personal information like username, passwords, One Time SMS passwords etc. of any user. For tips on safe usage of password(s), "Password Management" displayed as a link on the login page of yono App and Portal may be referred.

(A) Resetting of User-id/Password/mPIN

User cannot reset the set User Id on yono App and Portal

In the event of forgetting Password, User can retrieve it by using the ‘Having Problem logging in?’ link available on login page of yono App and Portal

In the event of forgetting mPIN, User can retrieve it by using the ‘Having Problem logging in?’ link available on login page of yono App and Portal

(B) Non-liability of the bank in case of Compromise of User-id and Password/ mPIN

The User agrees and acknowledges that Bank shall in no way be held responsible or liable if the User incurs any loss as a result of compromise of User-id and password /mPIN by the User himself or User has failed to follow the Digital Banking Service instructions as published by the Bank on the site from time to time. User agrees to fully indemnify and hold harmless Bank in respect of the same.

(C) Locking of User-id

Digital Banking Password / User-id/mPIN shall get locked after a number of incorrect attempts, up to such number (at present 3 failed attempts) as may be decided by the Bank from time to time. The same shall be available on the next day. In case of emergency, the User-id/password/mPIN can be unlocked online by changing the login password using the User can retrieve it by using the ‘Having Problem logging in?’ link available on login page of Digital Banking.

(D) Deactivation of User-id

The Bank has the discretion to deactivate a Digital Banking User-id, if the same has not been used for a period defined by the Bank. Also the Bank has the right to deactivate the Digital Banking login of User due to unsatisfactory behavior in the account.


The Internet per se is susceptible to various cybercrimes like phishing, vishing (Voice phishing), SMSing (phishing through SMS), compromise of User's system security etc., that could affect Payment Instructions / other... instructions to the Bank. Whilst the Bank shall endeavor to protect the interest of the customers, there cannot be any guarantee from such cybercrimes and other actions that could affect Payment Instructions / other instructions to the Bank including but not limited to delay or failure in processing the instructions. The User shall separately evaluate all such risks and the Bank shall not be held responsible for the losses arising out of such cybercrimes. The User understand that doing an digital Banking transaction at a Cybercafé/shared computer terminal is risky and shall avoid using the services of a Cybercafé/shared computer terminal to do any Digital Banking transactions. While accessing Bank's Digital Banking site from Bank's e-Corner or Kiosk, the User should ensure the confidentiality of his login credentials and should not allow anyone near him or take their help to complete transactions.

Users are advised to take special care in respect of the mobile number/SIM card in respect of user's mobile number registered with the Digital banking facility. In case of loss of mobile handset bearing the number registered with the Bank or in case of change in the mobile number, the user is advised to take special care to ensure that the said number is not misused to carrying out unauthorized transactions in the Digital banking facility. The users are also advised to take appropriate steps for preventing the mobile service provides from issuing duplicate SIM card without the proper authentications of the user.


The Bank may advise from time to time the internet software such as Browser, Operating System for mobile App which are required for using Digital Banking Services. There will be no obligation on the part of the Bank to support all the versions of such Internet software.


The filling in of applicable data for transfer of funds and/or issue of Demand Drafts, cheques would require proper, accurate and complete details....

For instance, the customer is aware that:

  • he/she would be required to fill in the correct account number of the person to whom the funds are to be transferred;

  • he/she would be required to fill in the correct Credit Card number while making Credit Card payments;

  • he/she would be required to fill in the correct details such as the name of the payee (who may or may not have an account with the Bank), mailing address, amount of the Demand Draft and the city/state where the Demand Draft is payable.

In the event of any inaccuracy in this regard, the funds could be transferred to incorrect accounts or the Demand Draft maybe incorrectly issued or sent to a wrong address and there is no guarantee of recovery of the same thereafter. The User shall therefore take all care to ensure that there are no mistakes and errors and that the information given by him/her to the Bank or fed in the site in this regard are error free, accurate, proper and complete in all aspects.. The User agrees to indemnify the Bank from any loss due to an error on his/her part. As per Regulatory instructions credit will be effected based solely on the beneficiary account number information and the beneficiary name particulars will not be used there for. Hence the Bank shall not be responsible for any wrong credit on account of mistake in the account number provided by the User for availing such services.

On the other hand in the event of the User's account receiving an erroneous credit by reason of a mistake committed by some other person or for any other reason, the Bank shall be entitled to reverse the erroneous credit at any time whatsoever without his/her consent. The User shall be liable and responsible to the Bank and accede to accept the Bank's instructions without questions for any unfair or unjust gain obtained by him/her as a result of the same.


The site of the Bank may require maintenance and during such time it may not be possible to process the request of the customers. This could result in delays and/or failure in the processing of instructions. ...

The User understands that the Bank disclaims all and any liability, whether direct or indirect, whether arising out of loss or otherwise arising out of any failure or inability by the Bank to honor any customer instruction for whatsoever reason.


The Digital Banking Services will be available in case of Joint accounts only if the mode of operation is indicated as 'either or survivor' or 'anyone or survivor' or 'former or survivor' or 'latter or survivor'. For 'former or survivor' ...account, Digital Banking facility may be available only to the 'former'. For 'latter or survivor' account, Digital Banking facility may be available only to the 'latter'. For 'either or survivor' and 'anyone or survivor' accounts, Internet Banking may be provided to each one of the joint account holders on their request. In case of 'either or survivor' and 'anyone or survivor' accounts if any of the joint account holder(s) gives "stopping of operations" instructions for the use of Internet Banking Service in writing , on any of the Internet Banking Services will be discontinued for the User. In case of 'former and survivor' account, such instructions will not be issued by other account holder.

In respect of joint accounts, even if any one of the account holders only obtains and operates the internet banking facility, the terms and conditions mentioned herein will be applicable and binding on both or all the account holders.


In case of accounts opened for and on behalf of minors, the internet banking facility shall be made available as per the account opened under the specific product/variant and the natural/legal guardian will be responsible for the actions/transactions done in these accounts along with the account holder.


The Internet Banking Services of the Bank for Demat Account is available to a customer who has a Demat Account and Bank Account in his name (i.e. the first holder of the Demat Account and the Bank Account to be same). ...

The Bank reserves its rights to consider any deviation to the above at its sole discretion. The Demat Account will be attached to the User-id and will be accessible through OnlineSBI. Wherever the Demat Account is jointly held by the Customer, the Bank will construe that the other holders of the Demat Account have authorized the first holder to either query on the account or initiate transaction on the account and it will be binding on them.

Due to the fact that the Bank receives Demat Information from NSDL and CDSL, it is important to check the current position with your respective service provider.

All information coming from NSDL/CDSL is provided on 'as is' basis without warranty of the correctness or authenticity of such information. The Bank makes no representation and disclaims all express, implied and statutory warranties of any kind to the user and/or any third party including warranties as to accuracy, timelines, completeness, merchantability or fitness of the information for any particular purpose.


In the event of future accounts opened by the User under the same CIF, then the terms and conditions shall automatically apply to such further use of the internet digital banking by the User.


The User is aware that the Bank may from time to time impose maximum and minimum limits including daily limits on transfer of funds that may be transferred or amount of the Demand Draft/ IOI (Inter Office Instruments) that can... be issued by virtue of the payment instructions given hereunder. The User acknowledges that the same is to reduce the risks on him/her. For instance, the Bank may impose transaction restrictions within particular periods or amount restrictions within a particular period or even each transaction limits. The User shall be bound by such limits imposed and shall strictly comply with them. The Bank shall put an appropriate message in this regard on the relevant page or the website/App.


The Bank at its discretion from time to time may specify charges for usage of Digital Banking Services and/or additional charges for selected services which is published on the Website of the Bank (www.sbi.co.in)/ App and also at... the digital Banking site and any further changes in the charges/fees shall also be notified on the above sites places. All out of pocket expenses where-ever applicable will be borne by the User. The User and the other account holder(s)( in case of joint accounts) hereby authorize(s) the Bank to recover all charges related to Digital Banking Services as determined by the Bank from time to time by debiting the User(s) account or any of joint account holder'(s) account(s).


User shall ensure that there are sufficient funds (or drawing power for credit facilities) in any Account for transactions through the Digital Banking, and the Bank shall not be liable for any consequences arising out of its failure ...to carry out the instructions due to inadequacy of funds and/or credit facilities provided always that Bank shall at its sole discretion, be entitled to carry out the instructions notwithstanding such inadequacy without seeking the prior approval from or notice to user and the user shall be responsible to repay with interest the resulting overdraft, advance or credit thereby created and for all related to costs and charges at the rates as may be determined by the Bank. Bank may, at its discretion, levy penal charges for non-maintenance of the minimum balance. Bank may withdraw the provision of Digital Banking, wholly or partly, if at any time the amount of deposit falls short of the required minimum as aforesaid and / or if the service charges remain unpaid, without giving any further notice to the user and / or without incurring any liability or responsibility whatsoever by reason of such withdrawal.


Bank shall have the right of set off and lien, irrespective of any other lien or charge, present as well as future, on the account(s) held by user(s) or in any other account, whether in single name or joint names to the extent of all outstanding dues, whatsoever arising as a result of the Digital Banking services extended to and/or used by the user.


The User shall not use or attempt to use Digital Banking Services for funds transfer without sufficient funds in the relative Digital Banking Services account or without a pre-existing arrangement with the Bank for the grant of... an overdraft. The Bank will endeavor to effect such funds transfer transactions received through Digital Banking Services provided there are sufficient funds available in the User's account. The Bank shall not be liable for any omission to make all or any of the payments or for late payments due to circumstances beyond the control of the Bank. In the event of overdraft created due to oversight/inadvertently, the User will be liable to pay the interest on such overdrawn amount, as decided by the Bank from time to time.


The User accepts that he/she will be responsible for keying in the correct account number/other particulars of the beneficiary for the funds transfer request. In no case, the Bank will be held liable for any erroneous transactions incurred arising out of or relating to the User entering wrong/incorrect/incomplete account number, information of the beneficiary and/or any other particulars.

If funds transfer is made available to the User, it may be used for transfer of funds between users own accounts and/or from User account to accounts belonging to third parties maintained at the Bank and/or at other Banks. In the event, such transfer of funds is to accounts belonging to third parties maintained at any other Bank, which falls under the network of Reserve Bank of India's Electronic Fund Transfer System, the same shall be governed by the terms and conditions applicable to National Electronic Fund Transfer ("NEFT") and Real-Time Gross Settlement System ("RTGS") of the Reserve Bank of India as provided in the Site as well as corporate website of the Bank (www.sbi.co.in), and the website of Reserve Bank of India (www.rbi.org.in).

In case of fund transfer through IMPS, the same shall be governed by terms and conditions applicable to IMPS as provided in the site as well as (www.npci.org.in).


The User agrees and accepts the Digital Banking Services as provided by the Bank at his/her requests to carry out his/her bill payments through Digital Banking Services of the Bank as made available to him/her from time to time. If the bill amount exceeds the maximum limit set up by the User for "Auto Pay", the bill will be set for manual payment. The User has to provide correct identification details as registered with the biller. In case of any change in the identification details, it is the User's responsibility to register the changes immediately. Any dispute on bill details will be settled directly by the User with the Biller and the Bank's responsibility is limited to provision of information only. The User shall make payments at least a few* working days prior to the due date of the bill. The User further agrees that it shall solely be the User's responsibility to schedule payments at least a few* working days prior to the due date of the bill. In the event of late payment, the User shall be liable for late payment charges and other consequence as may be enforced by the Biller. The User has no objection whatsoever to the billing company providing his/her billing details to the Bank. (* a few working days may mean 1 to 5 working days, depending upon biller and varies from biller to biller.)

The User unconditionally agrees that he/she shall not hold the Bank liable for:

  • Such transactions that are carried out on his/her instructions by the Bank in good faith.

  • Not carrying out such instructions where the Bank has reason to believe (which decision of the Bank shall not be questioned/disputed by the User) that the instructions are not genuine or are otherwise unclear, improper, vague or doubtful

  • Accepting instructions given by any one of the users in case of joint accounts.

  • For any loss or damage incurred or suffered by him/her due to any error, defect, failure or interruption in the provision of bill payment services arising from or caused by any reason whatsoever.

  • Withdrawing/suspending the facility wholly/partially. However the Bank will endeavor to notify the user through its website or through any legally recognized medium of communication or otherwise as found suitable by the Bank.

The user agrees that the record of instructions given and transactions with the Bank shall be conclusive proof and binding for all purposes and can be used as evidence in any proceedings.


The Bank provides the facility of payment for transactions executed on Internet through different sites. The Bank will execute such transactions and will be responsible for transferring the amount debited from the User's account to the Service /merchants' account. The Bank shall not be held responsible for failure of such transactions. In no event shall the Bank be held responsible/liable for any informational content provided on any such site or for any deficiency in the services/products offered by such sites.


The User can set 'Standing Instructions' or 'Schedule Payments' as on a required date i.e. the date on which the Users account shall get debited in the functionality where it is available. If the User wishes to modify / cancel this 'Standing Instruction / Scheduled Payments', the same should be done at least one day prior to the schedule date. Users are advised to keep track of all such 'Standing Instructions' or 'Scheduled Payments' and the Bank shall not be responsible for not effecting any such transactions for whatsoever reasons.


Instantaneous Transactions...

All the instructions for instantaneous transactions received before the cut off time of the specified transaction, will be given effect to instantaneously unless until some processing work or maintenance activity is being done or some unavoidable circumstances beyond the control of the Bank occur. : Inter Bank Fund Transfer, Intra Bank Fund Transfer, International Fund Transfer, stop payment etc.

Non-Instantaneous Transactions

In respect of Non-instantaneous transactions and transactions requiring manual intervention by the branch or Contact Centre, the Bank would endeavor to give effect to such transactions at the earliest: e.g.: Demand Draft Request, resetting of profile password, Updation or change of mobile number etc.


The User shall be responsible for submitting necessary documents and information as the Bank may require along with any request for any service under Digital Banking. If any request for a service is such that it cannot be given effect to unless it is followed up by requisite documentation, the Bank shall not be required to act on the request until it receives such documentation from the User


Banking transactions in the User's account(s) are permitted through digital Banking platform only after authentication of the User-id and password of the User. The User irrevocably and unconditionally authorizes the Bank to access all his/her ...account(s) for effecting banking and other transactions performed by the User through the Digital Banking Services. The instructions of the User shall be effected only when such information is in accordance with the prescribed procedure. The User grants express authority to the Bank for carrying out the banking transactions performed/requested by him/her through Digital Banking Services. The Bank shall have no obligation to verify the authenticity of any transaction received from the User through Digital Banking Service or purported to have been sent by the User via Digital Banking Services, other than by means of verification of the User-id and the Password. The display or printed output that is generated by the User at the time of operation of Digital Banking Services is a record of the operation of the Internet access and shall not be construed as the Bank's record of the relative transactions. The Bank's own records of transactions maintained through computer systems or otherwise shall be accepted as conclusive and binding for all purposes. All transactions arising from the use of Digital Banking Services to operate a joint account, shall be binding on all the joint account holders , jointly and severally, notwithstanding that one amongst such joint account holders only operates the accounts through Digital Banking Services.

The User irrevocably agrees to maintain safety and complete confidentiality of User-id and the Password. The User further agrees that the Bank shall in no event be liable for the transactions carried out through User-id and Password and that user shall not be entitled to disown such transactions.

The Bank may at any time without giving notice or reasons, suspend or terminate all or any of the Digital Banking Services or their use by the User.


A customer shall provide such information as the Bank may from time to time reasonably request for the purposes of providing the services. The User is responsible for the correctness of information supplied to the ...Bank through the use of Digital Banking Services or through any other means such as electronic mail or written communication. The Bank accepts no liability for the consequences arising out of erroneous/incomplete/incorrect information supplied by the User. If the User suspects that there is an error in the information supplied to the Bank by him/her, he/she shall advise the Bank at the earliest. The Bank will endeavor to correct the error wherever possible on a 'best efforts' basis. If the User notices an error in the account information supplied to him/her through Digital Banking Service, he shall advise the Bank at the earliest. The Bank will endeavor to correct the error promptly and adjust any interest or charges arising out of the error. It is clarified that the information that may be sought by the Bank mentioned in the clause shall not include the User-id, Password or one time authentication code made available to the User.


The User shall be liable for all consequences on account of:...

  • Non-compliance of terms and conditions mentioned herein.

  • If he/she has breached the Terms and conditions or contributed or caused the loss by negligent actions such as the following:

    • In disclosing or failing to take all reasonable steps to prevent disclosure of the User-id and/or password to anyone including Bank staff and/or failing to advise the Bank of such disclosure immediately and thereby blocking the Digital Banking transaction in his account.

    • Not advising the Bank immediately about unauthorized access to or erroneous transactions in the account(s) through the Digital Banking Services.

  • Notwithstanding anything contained in clause (2) above, the User shall be liable for the consequences arising out of disclosure of User-id and/or Password to anyone, unauthorized access to or erroneous transactions in his account, even if he inform the Bank about such things immediately or in a reasonable time of occurrence of the same.

  • The User shall be liable and responsible for all transactions carried out through the User-id and Password of the User.

  • In the event of inadvertent compromise of User-id and/or Password by the User, the User has to block/lock his Digital Banking facility through the link "Lock User Access" or other applicable link available in the site.

  • As many of the services through the Digital are authenticated or permitted by the One Time Password sent to the customer's registered mobile number, it will be sole responsibility and obligations of the User to secure his mobile number registered with the Bank and also to ensure that the OTP or other messages emanated from the Bank are not accessed by any person.


  • The Bank shall not be liable for any unauthorized transactions in the account(s) through the use of Digital Banking Services which can be attributed to the fraudulent or negligent conduct of the User. ...

  • The Bank shall not be liable to the account holder(s) for any damages whatsoever whether such damages are direct, indirect, incidental, consequential and irrespective of whether any claim is based on investment or any other loss of any character or nature whatsoever and whether sustained by the account holder(s) or any other person, if Digital Banking access is not available in the desired manner for reasons including but not limited to natural calamity, fire and other natural disasters, legal restraints, faults in the telecommunication network or Internet or network failure, software or hardware error or any other reasons beyond the control of the Bank.

  • The Bank shall endeavor to take all possible steps to maintain secrecy and confidentiality of its customer account(s)/information but shall not be liable to the account holder(s) for any damages whatsoever caused on account of breach of secrecy/confidentiality due to reasons beyond the control of the Bank.

  • Bank at its discretion, for valid reasons, may refuse to execute any instructions / loan request placed by the User.

  • The loan eligibility is tentative, and the Bank assumes no liability for such quote, which is based on the inputs provided by the User. Further, loan eligibility may vary depending upon the Bank’s assessment, changes in interest rate, margin, processing fee and/or terms and conditions of the respective loan scheme.

  • The validity period of such "In-principle Approval" would be guided by the features of the product / scheme for which the Customer has submitted his loan application. Final sanction of the loan will depend on satisfactory KYC compliance, Income of the applicant/co-applicant, his/their credit worthiness, satisfactory status of documents submitted by the applicant, acceptance of the Collateral Security and/or Third Party Guarantee, wherever applicable and such other norms governing the product / scheme and as may be prescribed by the Bank from time to time.

  • Appointments scheduled by the User through the app / web portal would be tentative only. While the Bank will endeavor to attend to the Customer at the stated time Bank may have to, for valid reasons, vary / reschedule such appointments.

  • "Upload Document" functionality is provided for expediting the loan process. The Bank may ask for original and/or photo copy of such document for verification and/or at the time of processing of loan application. Bank will not use such document for any other purpose like updating KYC details etc.

  • The Bank will in no way be held responsible or liable for delay, failure and/or untimely delivery of SMS password and/or SMS Alerts due to but not limited to network congestions, network failure, systems failure or any others reasons beyond the reasonable control of the Bank or its service provider(s).

  • Notwithstanding anything contained herein, where Bank has reason to believe that any transaction or marking of liens, have been fraudulently made (hereinafter referred to as a "suspect transaction"), Bank shall be entitled to withhold payment pertaining to such suspect transaction in accordance with regulatory laws relating to Money Laundering or otherwise. If Bank determines after due enquiry and investigation that the transaction is a valid transaction and not a suspect transaction, Bank shall release such withheld payment subsequently.


The User agrees to indemnify, hold harmless and defend Bank, its officials, service providers and affiliates against any loss and damages that may be caused from or relating to :...

  • Breach of terms and conditions mentioned herein.

  • Improper use of the Digital Banking services by the User/customer.

  • Any claims made by third parties arising from issues related to any failure, delay or interruption of the products and/or services as provided by the Bank's Digital Banking Services.

  • The use of products/ Digital Banking Services in any manner which violates the terms and conditions or otherwise violates any law, rule, conditions or regulation.

  • Any consequences arising out of the disclosure of User-id and Password of the User to any third parties.

  • Any consequences on account of the failure of the User to maintain the confidentiality of User-id, Password, OTP (SMS Password), etc. of the User.


The User agrees that the Bank or its service providers may hold and process his/her Personal/Technical Information on Computer/Mobile or otherwise in connection with Digital Banking Services as well as for statistical analysis. ...

The User agrees that the Bank may collect user system related information The User also agrees that the Bank may disclose, in strict confidence, to other institutions, such Personal Information as may be reasonably necessary for reasons inclusive of, but not limited to, the following:

  • For participation in any electronic clearing network

  • In compliance with legal and/or Reserve Bank of India's directive

  • For fraud prevention purposes.

For the purpose of this clause, it is clarified that the 'User system related information' mentioned above shall not include any confidential information such as the User-id and/or Password of the User. The Bank will not collect or disclose such details to any person.


  • The Bank has the absolute discretion to amend or supplement any of the Terms and conditions at any time, without prior notice. However the Bank will endeavor to notify the changes by posting it on the website or through advertisement or any other means as the Bank may deem fit which will be binding on the User. The existence and availability of the new functionalities/facilities/features will be notified to the User as and when they are made available. By using these new services, the User agrees to be bound by the terms and conditions applicable there for.


  • The grant of facility of Digital Banking Services to a User is non-transferable under any circumstances and shall be used by the User only.


The User acknowledges that the software underlying the Digital Banking Services as well as other Digital Banking related software which are required for accessing Digital Banking Services is the legal property of the Bank/respective service providers. The permission given by the Bank to access Digital Banking Services will not convey any proprietary or ownership rights in the above software. The User shall not attempt to modify, translate, disassemble, decompile or reverse engineer the software underlying Digital Banking Services or create any derivative product based on the software.


The copyright, trademarks, logos, slogans and service marks displayed on the yono App and Portal are registered and unregistered intellectual property rights of Bank or of respective intellectual property right owners....

Nothing contained on the yono App and Portal should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any intellectual property displayed on the website(s) without the written permission of Bank or such third party that may own the intellectual property displayed on the website(s).

Bank grants the right to access the App / website(s) to the User and use the Digital Banking Services in accordance with the terms conditions mentioned herein. The User acknowledges that the Services including, but not limited to, text, content, photographs, video, audio and/or graphics, are either the property of, or used with permission by, Bank and/or by the content providers and may be protected by applicable copyrights, trademarks, service marks, international treaties and/or other proprietary rights and laws of India and other countries, and the applicable Terms and Conditions.

The User should assume that everything he/she views or reads on the yono App and Portal (collectively referred to as "content") is copyrighted/ protected by intellectual property laws unless otherwise provided and may not be used, except as provided in these terms and conditions, without the prior written permission of Bank or the relevant copyright owner.

Any breach of the restrictions on use provided in these terms is expressly prohibited by law, and may result in severe civil and criminal penalties. Bank shall be entitled to obtain equitable relief (including all damage, direct, indirect, consequential and exemplary) over and above all other remedies available to it, to protect its interests therein.


The yono App and Portal may provide hyperlinks to websites not controlled by Digital Banking / Bank and such hyperlinks do not imply any endorsement, agreement on, or support of the content, products and / or services of such websites. The Bank doesn't editorially control the content, products and /or services on such websites and shall not be liable, in any nature whatsoever, for the access to, or the inability to access to, or the use, inability to use or content available on or through such websites.


The User may request for termination of the Digital Banking Services facility any time by giving a written notice. The User will remain responsible for transactions made on his/her account(s) prior to the time of such cancellation of the Digital Banking Services....

The Bank may at its sole discretion, at any time without giving notice or reasons suspend or terminate all or any of the Digital Banking services offered by the Bank or there use by the User including for reasons such as:

  • Breach of these terms and conditions by the User.

  • Knowledge or information about the death, bankruptcy or legal incapacity of the User.


  • Notices under these Terms and Conditions to the customer may be given through any medium of communication as may be deemed appropriate by the Bank i.e. Bank's website (www.sbi.co.in / yono portal) or In App notification, email, SMS, public notification at Branches, or through newspapers, radio, TV etc. Such notices will have the same effect as a notice served individually to each customer.


The Bank shall not be liable for delay in performing or failure to perform any of its obligations under these Terms and conditions which is caused by circumstances beyond its reasonable control, including, but not limited to, the failure, malfunction or unavailability of telecommunications, data communications and computer systems and services, natural calamities, war, civil unrest, government action, strikes, lock-outs or other industrial action or trade disputes (whether involving the Bank's employees or those of a third party). Any delay or failure of this kind will not be deemed to be a breach of the Terms and Conditions and the time for performance of the affected obligation will be extended by a period which is reasonable in the circumstances.


The Bank has adopted the mode of authentication of the user by means of verification of the user ID and or through verification of password or through any other mode of verification as may be stipulated at the discretion of the Bank. The user hereby agrees/consents for the mode of verification adopted by the Bank. The user agrees that the transactions carried out or put through by the aforesaid mode shall be valid, binding and enforceable against the User and shall not be entitled to raise any dispute questioning the transactions


The User needs to get his PCs/laptops/mobiles scanned on a regular basis and be updated with the latest anti-virus software available. The Bank shall not be responsible in case of any data loss or theft due to the virus transmitted in the system through the usage of Digital Banking.


These terms and conditions and/or operations in the accounts of the User maintained by the Bank and/or the use of services provided through Digital Banking Services are construed to be governed in accordance with the laws in India....

Bank accepts no liability whatsoever, direct or indirect for non-compliance with the laws of any country other than that of India. The mere fact that Digital Banking Service can be accessed through Internet by a User from a country other than India shall not be interpreted to imply that the laws of such countries govern these terms and conditions and/or the operations in the accounts of the User through Internet and/or the use of Digital Banking Services. The User agrees to abide by prevailing laws in respect of Digital Banking Services applicable in India. It is the responsibility of the User to comply with any regulations prevailing in the country from where he/she is accessing the Internet.

All disputes shall be subject to the jurisdiction of the Courts in Mumbai (India). The Bank however, may, in its absolute discretion commence any legal action or proceedings arising out of these terms in any other court, tribunal or other appropriate forum, and the User hereby consents to that jurisdiction.


The User agrees that these terms and conditions will constitute the reasonable security practices and procedures to be followed by the Bank in respect of the Digital Banking Service and its use by the User and this document will be construed as an agreement between the Bank and User in this regard. The User further agrees that by availing the Digital Banking Service of the Bank, the User accepts and agrees with these terms and conditions including all its amendments from time to time, and the User reiterates such acceptance and agreement at each time any transaction is carried out on the basis of the User-id and Password of the User.


Within the yono app/Web portal is a Marketplace where User can shop for products from a number of leading e-commerce companies, buy travel and movie tickets, subscribe for various services provided by Merchants on the platform. Marketplace has two section; “Shop” and “Book and Order”. Under Shop section various leading e-Commerce Merchants are listed to facilitate users to browse for products/items/services of his choice and do purchasing. Under “Book and Order” those Merchants who provides services such as travel tickets, movie and entertainment tickets and registration for various utility services are enrolled. Icon of those Merchants, listed on the Marketplace are displayed under respective categories in Shop section. Some merchants are natively integrated and some are integrated on Redirection Model. Integration of Merchants are subject to change from time to time depending on the outcome of the review by the Bank. By clicking on the Merchants’ icon on “Shop” or “Book and Order" section of the Marketplace, User will land either on the Merchant’s store within the app/portal or will be redirected to Merchants site depending on the integration. In merchant’s store within the App/portal User can shop for various products available on the respective merchants

Products: The products/services listed on the yono Marketplace is fully owned by the respective Merchants and final fulfilment is with the concerned Merchant only. SBI does not make any representation or Warranty as to specifics (such as quality, value, saleability, etc.) of the products or services proposed to be sold or offered or purchased on the Website. SBI does not implicitly or explicitly support or endorse the sale or purchase of any products or services on the Website/App/Portal. SBI accepts no liability for any errors or omissions, whether on behalf of itself or third parties.

Offers : You can find various offers displayed on the Merchants site. Offers may be in the form of “Instant discount”, Cash Back”, “Discount Coupon”, “Discount code for Next Purchase”, “Loyalty rewards” etc. These offers are given absolutely by Merchants to specific set of customers and Bank is only a medium for you to avail these offers. Any issues pertaining to application of these offers has to be raised with the respective Merchant only. Bank will not entertain any complaints related to non-application of any offers being offered by the Merchant. The customers are advised to go through the terms and conditions of the offers thoroughly before availing any offer.

Contents : All text, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, sounds, music and artwork (collectively, "Content"), is a third party user generated content and SBI has no control over such third party user generated content. However SBI will put all its effort to restrict display of any content which may not be acceptable, but SBI will not be liable in any way or in relation to the Contents of, or use of, or otherwise in connection with, the Website. SBI does not warrant that this site; information, Content, materials, product (software) or services included on or otherwise made available to You through the Website; their servers; or electronic communication sent from Us are free of viruses or other harmful components.

Communication : By registering with us, you authorise the Bank to access your all types of information and send you various promotional information through SMS/E-mail/Push notification or other mode of communication. We may disclose personal information to third parties including but not limited to Regulatory bodies, Govt. Agencies, Auditory Agencies etc. This disclosure may be required for us to provide you access to our Services, to comply with our legal obligations, to enforce our User Agreement, to facilitate our marketing and advertising activities, or to prevent, detect, mitigate, and investigate fraudulent or illegal activities related to our Services.

Compliance with Laws:

User shall comply with all the applicable laws (including without limitation Foreign Exchange Management Act, 1999 and the rules made and notifications issued there under and the Exchange Control Manual as may be issued by Reserve Bank of India from time to time, Customs Act, Information and Technology Act, 2000 as amended by the Information Technology (Amendment) Act 2008, Prevention of Money Laundering Act, 2002 and the rules made thereunder, Foreign Contribution Regulation Act, 1976 and the rules made there under, Income Tax Act, 1961 and other Prevailing National or International acts which are applicable here.

Disclaimer : The Market Place in yono is a platform for communication of offers extended by Merchants. SBI does not guarantee or make any representation with respect to the offers made by the Merchants. Further SBI is not selling/rendering any of these products/services. SBI is not responsible for the content or information provided by such external websites accessed via the links provided in yono mobile app/m-site/web-site; nor does the SBI make any warranty, express or implied, about the validity of the external site. Thus, SBI is not liable for sale/quality/features/fulfilment of the products/services selected for the purchase by the customer.

Apart from the Terms and conditions stated here, User shall independently agree upon the manner and terms and conditions of delivery, payment, insurance etc. with the Merchant(s) that you transact with. Thus, SBI is not responsible for any non-performance or breach of any contract entered into between User and the Merchant.

IRCTC Terms and Conditions

IRCTC link is available under the “Book and Order” section. By clicking on “IRCTC” link, you will be redirected to Rail ticketing section of the App. Here you can search for trains on different routes, book train e-tickets under General and Ladies quotas in various categories of trains.

Here, Please note that SBI is only the facilitator to this service and the Train Listing, Seat Availability, Booking, Cancellation, PNR Status and all other services available on this platform are provided by Indian Railway Catering and Tourism Corporation Limited ("IRCTC") and these services will be provided at the sole discretion of IRCTC and will be governed by terms and conditions of IRCTC. To avail this facility customer must be active registered user on IRCTC website.

By clicking on “IRCTC” link, User acknowledge the terms and conditions defined here as well as of IRCTC available on its site https://www.irctc.co.in.


  • Booking of e-Tickets can be done on any route in India for any type of train under quota of General/Ladies/Senior Citizen only.

  • A maximum of six berths/seats can be booked at a time for a specified journey between any two stations served by the train subject to distance restrictions in force.

  • An individual user can book a maximum of 06 tickets in a calendar month

  • Ladies quota (LD) is generally earmarked in Sleeper class (SL) and second sitting (2S).

  • In case of tickets booked through internet no concession is permitted except Senior Citizen.

  • General Enquiries available:

a. Accommodation available for a train/date combination     b. Current Status of reserved tickets     c. Time table     d. Train fare     e. Trains available between a given pair of stations

  • Auto-Up gradation is available to the next higher class on optional basis.(As per railway rules).

  • Passenger can get the SMS of e-Ticket booking confirmation on mobile number he wants by inserting that Mobile Number in the Mobile Number box of e-Ticket booking page.


The total fare of the ticket booked on the platform will include the following components:

  • Base fare:  This is simply the base fare of the train ticket. Children and senior women are charged 50% of the adult base fare. Senior men are charged 70% of the base fare.

  • Railway charges:  These are Reservation Charges, Superfast Charges, Other Charges, Tatkal Charges (if any) and Service Tax.

  • IRCTC Charges:  


Service Charges


Rs. 20.00+S.T


Rs. 40.00+S.T

The charge is subject to change any time. Please refer to IRCTC portal for updated charges.

  • SBI fee:  We charge a service fee of Rs. 20 plus S.T. for Non–AC classes and Rs. 40 plus S.T. for AC classes, for bringing to you a fast and friendly interface to search and book tickets.

  • Payment Gateway (PG) fee:  Payment gateways charge us a certain amount for processing your transaction. IRCTC also charges a similar transaction fee, if you choose to book through them. Payment gateway fee for using

i) SBI Internet Banking is Rs. 10/- plus Service Tax

ii) SBI Debit/Credit Card: Maximum fee is 1.8% plus service tax of the ticket amount.

  • Any other charges as defined by IRCTC or Indian Railway from time to time.

Cancellation and Refund :

  • Passengers can cancel tickets booked on this platform under “My booking” section.

  • Service fee and processing fee levied by SBI are non–refundable

  • Every booking made on SBI is subject to cancellation charges levied by the Railways, which may vary depending on the time of cancellation and the booking quota (general/Tatkal). Cancellation of tickets will be guided by the rules as defined by IRCTC. Please visit https://www.irctc.co.in or http://www.indianrail.gov.in/refund_Rules.html for refund rules.

  • The e–tickets can be cancelled using your SBI user account before the chart preparation. The chart is normally prepared 4 hours before the scheduled departure of the train, from the train–originating station. For trains starting up to 12 noon, the chart is normally prepared on the previous night. These are subject to change. Please visit IRCTC terms and conditions for Cancellation and refund before you go for cancellation of ticket.

  • Fully waitlisted e–tickets will be cancelled by Railways after chart preparation and the refund shall be automatically credited to SBI account.

  • After chart preparation, refunds for partially waitlisted/confirmed/RAC e–ticket will be processed on a receipt of mail from customer at service.irctc@SBI.co.in It would then be processed offline and refund sanctioned by Railways would be credited back to SBI account.

  • To claim your refunds for offline cancellations, please contact SBI customer support by writing an email with your PNR and trip details to service.irctc@SBI.co.in

  • For fast processing of refunds, we strongly urge you to cancel online through SBI 12 hours prior to the departure of the train. Please read http://www.indianrail.gov.in/refund_Rules.html

  • It may take 7 -10 working days to process your refund if the ticket is cancelled online through SBI depending refund process by IRCTC through Railways.

  • For cancellations done after the chart preparation (offline cancellations), you need to write an e–mail to etickets@irctc.co.in It would then be processed offline and refund sanctioned by Railways would be credited back to your SBI

  • For any assistance please call SBI 24x7 Customer care 1800112211 or 18004253800.

Definition of Terminology used in the Terms and conditions:

yono: The branding name of the Bank’s App/Portal which will be made available for registered SBI customers.

User/Customer/You: Refers to any active SBI customers who is registered on yono App/Portal.

SBI/US/We: Refers to the State Bank of India, a body corporate constituted under the State Bank of India Act, 1955 and having its Corporate Office at "State Bank Bhavan", Madame Cama Road, Nariman Point, Mumbai – 400 021(which expression shall, unless it is repugnant to the subject or context thereof, includes its successors and assigns).

Merchants: Refers to the E-Commerce companies which are operating in India and offer their products and services on yono App/Portal.


41.1 - Credit Card

Card Offer Validity
Elite Rs. 1500 Bata EGV Post Payment of Annual Fee 31-Dec-2021
Prime Rs. 1000 Bata EGV Post Payment of Annual Fee 31-Dec-2021
Doctor's Rs. 1000 Bata EGV Post Payment of Annual Fee 31-Dec-2021
Simply Click Rs. 250 Pizza Hut Voucher Post Payment of Annual Fee 31-Dec-2021
Simply Save Rs. 250 Pizza Hut Voucher Post Payment of Annual Fee 31-Dec-2021

T&Cs for offers on SBI Card ELITE, SBI Card PRIME and DOCTOR’S SBI Card

The detailed booking process and terms & conditions are listed below.
  1. The holder of the Instant Gift Voucher is deemed to be the beneficiary.
  2. Beneficiary should announce the intent of using the Instant Gift Voucher before making a purchase.
  3. Only valid Instant Gift Voucher at the sole discretion of BATA shall be accepted for redemption.
  4. Maximum of "three" Instant Gift Vouchers can be used against one bill.
  5. Partial redemption is allowed but no refund or credit note would be issued against an unused or partially used Instant Gift Voucher.
  6. Instant Gift Voucher cannot be revalidated once expired.
  7. BATA or its affiliates are not responsible on account of the beneficiary sharing the Instant Gift Voucher number and the Voucher getting redeemed on that account.
  8. The Brand may ask for a valid Government identity proof at the time of redeeming the Instant Gift Voucher.
  9. Instant Gift Vouchers will be accepted across all outlets mentioned, but BATA at its sole discretion may add or remove an outlet from the list without giving any prior notice.
  10. BATA makes full efforts to accept all Instant Gift Vouchers but on account of technical / administrative reasons, an outlet may refuse to accept vouchers.
  11. This Instant Gift Voucher cannot be redeemed on specific block out dates, BATA may add or delete any date on its sole discretion.
  12. BATA or any of its partners would not be liable for any form of compensation etc on account of an outlet not being able to accept Instant Gift Voucher. The customer would be liable to settle the bill.
  13. If an Instant Gift Voucher gets blocked on account of technical issue, it would get activated in 72 hours.
  14. Any dispute should be referred to the company from where the Instant Gift Voucher has been received, decision of the company shall be final.
  15. Please contact Shop Manager for any acceptance issue and if issue is still not resolved, you can call SBI Card helpline.
Customer Terms and Conditions:
  • This offering is from SBI Cards and Payment Services Limited (“SBICPSL”) as a value-added product offer for its Credit Cardholders (“Cardholder”) as may be communicated by SBICPSL via various medium chosen by it. For the purposes of this Offer, an eligible year is defined as the year in which the fee is paid for by the Cardholder. Example: In case a card account is opened on 1st September 2016, the period for the eligible year would be 1st September 2016 to 31st August 2017.
  • All eligible SBI ELITE cardholders will get a one-time Bata / Hush Puppies E-Gift voucher worth Rs.1500, and all eligible Doctors & SBI PRIME cardholders will get a one-time Bata / Hush Puppies E-Gift voucher worth Rs.1000 on applying through YONO SBI mobile application or portal between January 1, 2021 to December 31, 2021 only.
  • The voucher will be issued on successful payment of the annual fee in the eligible year.
T&Cs for offer on SimplyCLICK and SimplySAVE SBI Card
  • This offering is from SBI Cards and Payment Services Limited (“SBICPSL”) as a value added product offer for its SimplySave & SimplyCLICK variant of Credit Cardholders (“Cardholder”) as may be communicated by SBICPSL via various medium chosen by it. For the purposes of this Offer, an eligible year is defined as the year in which the fee is paid for by the Cardholder. Example: In case a card account is opened on 1st September 2016, the period for the eligible year would be 1st September 2016 to 31st August 2017.
  • All eligible SimplySave & SimplyCLICK SBI cardholders will get a one-time Pizza Hut EGV worth Rs.250 on applying for SimplySave & SimplyCLICK SBI Card from YONO SBI mobile application or portal between January 1, 2021 to December 31, 2021 only.
  • The voucher will be issued on successful payment of the annual fee in the eligible year.
  • Pizza Hut Prepaid is issued by Yum! Restaurants India Pvt.Ltd. (“Yum!”) & its authorized franchisees for making payments at participating Pizza Hut Restaurants & Delivery Outlets* in India
  • This Card is for one time use & any unused balance (Value/Offer/Coupon etc.) cannot be used again or be exchanged for cash
  • Multiple EGVs can be used by the customer in same bill
  • All running offers / discounts for the Brand would be valid over and above this EGV. The EGV is a Cash voucher which can be used to settle the final bill after incorporating all running offers / discounts. No cash refunds will be given against the card (incl. in case of loss or otherwise). Any balance (value/offer/coupon) in this card is valid for 7 months from the date of issue and any unused balance will expire automatically
  • Rights to amend terms & conditions reserved with Yum! Without prior notice
  • For all amendments, card balance & expiry details, please visit www.pizzahut.co.in
  • The user unconditionally accepts all T&C and shall not raise any disputes in this regard
  • All disputes subject to exclusive jurisdiction of courts at New Delhi
  • For Balance and expiry send an sms mentioning your 16 digit card number to 57575500
Terms and Conditions: Pizza Hut
The procedure for redeeming the EGV is as follows:
  1. To use this card at restaurants, please present the card at time of payment
  2. To use this card for home delivery via call please quote your 16-digit card number at time of placing the order
  3. To use this card for home delivery via Online/APP Ordering please select cash on delivery and kindly handover/quote your 16-digit card number at time of receiving the order


YONO Krishi is a multi - lingual platform offering available on State Bank of India’s YONO App/portal. It is currently available in 4 different languages that are Hindi, Tamil, Telegu, Malayalam besides English. YONO Krishi is an easier and flexible option to use most of the YONO services in regional language(s) with internet. Apart from specialised vernacular services, this platform also offers some other important services like Agri Gold Loan. The USP of this platform is the location wise Agriculture Advisory related services it provides such as Mandi Prices and Weather information. Customer can choose the language on “Select Language” page at the time of accessing the section in YONO, which can later be changed to other available languages through hamburger menu.

Services available under YONO Krishi

YONO Krishi is currently available for retail customers having internet banking credentials and offers services across following categories.

  • YONO Khata : Regular financial & non-financial banking services like fund transfer, recharges, bill payment, etc; specialised services like Agriculture Gold Loan, Tractor Loan, Kisan Credit Card, are available under this category.
  • YONO Bachat : This category of YONO Krishi will offer investment products and insurance products like Mutual Funds, Life Insurance, General Insurance, Demat accounts etc.
  • YONO Mitra: The prominent non-banking services section of YONO Krishi offers crop advisory/animal husbandry and other agri related services of current market information and weather forecast etc.
  • YONO Mandi: This segment is an online market place which will enable farmers to purchase farm inputs from merchants e.g. fertilizers, seeds, tractors, pesticides etc.
Multilingual Disclaimer

For the convenience of our esteemed customers and as a value added service, State Bank of India is providing YONO Krishi platform in language/s other than English. In order to ensure consistency in understanding and for avoidance of any doubts, contents in English language should be relied upon and shall be construed to be final and binding in the event of any dispute / inconsistencies. State Bank of India does not undertake any liability or responsibility for the details, accuracy, completeness or correct sequence of any content or information provided herein under YONO Mitra and YONO Mandi, wherein State Bank of India is merely facilitating the aggregation of information already available across various public domains. . The information available in YONO Mitra and YONO Mandi sections is subject to change, updation, revision, verification and amendment without notice and such information may change materially.

43. DISCLAIMER ON Google Play Services Updated Security Provider

The User should ensure that the device is configured and updated with latest Google Play Services Updated Security Provider.

44. Fair Lending Practices Code (FLPC)

You may also refer www.sbi.co.in



(a) FAIR LENDING PRACTICES CODE (FLPC for short)is a voluntary code adopted by our Bank, which aims to achieve synchronization of best practices while dealing with Customers in India. It aims to provide valuable inputs to Customers and facilitates effective interaction of customers with the Bank.


(b) FLPC would be applicable in the Bank from the date it is placed in the Bank's website or is otherwise publicised through the media.

FLPC contains 8 important declarations from us, the spirit of which pervades the entire FLPC provisions.

2. Important declarations:

The Bank declares and undertakes

  • To provide in a professional manner, efficient, courteous, diligent and speedy services in the matter of retail lending.
  • Not to discriminate on the basis of religion, caste, sex, descent or any of them.
  • To be fair and honest in advertisement and marketing of Loan Products.
  • To provide customers with accurate and timely disclosure of terms, costs, rights and liabilities as regards loan transactions.
  • If sought, to provide such assistance or advice to customers in contracting loans.
  • To attempt in good faith to resolve any disputes or differences with customers by setting up complaint redressal cells within the organization.
  • To comply with all the regulatory requirements in good faith.
  • To spread general awareness about potential risks in contracting loans and encourage customers to take independent financial advice and not act only on representations from banks.


3.1. Product Information:

a) A prospective customer would be given all the necessary information adequately explaining the range of loan products available with the Bank to suit his / her needs.

b) On exercise of choice, the customer would be given the relevant information about the loan product of choice.

c) The Customer would be explained the processes involved till sanction and disbursement of loan and would be informed of timeframe within which all the processes will be completed ordinarily at our bank.

d) The Customer would be informed of the names and phone numbers of branches and the persons whom he can contact for the purpose of loan to suit his needs.

e) The Customer would be informed the procedure involved in servicing and closure of the loan taken.

3.2. Interest Rates

3.2.1. Interest Rates for different loan products would be made available through and in anyone or all of the following media, namely:

a) In the Bank's Web site

b) Over phone, if Tele Banking services are provided

c) Through prominent display in the branches and at other delivery points

d) Through other media from time to time

3.2.2 Customers would be entitled to receive periodic updates on the interest rates applicable to their accounts.

3.2.3 On demand, Customers can have full details of method of application of interest.

3.3 Revision in Interest Rates:

a) The Bank would notify immediately or as soon as possible any revision in the existing interest rates and make them available to the customers in the media listed in Para 3.2.1.

b) Interest Rate revisions to the existing customers would be intimated within 7 working days from the date of change through notifications in the Bank's Website/ media/ notice board at branches.

3.4. Default Interest/Penal Interest:

a) The Bank would notify clearly about the default interest/penal interest rates to the prospective customers.

3.5. Charges:

a) The Bank would notify details of all charges payable by the customers in relation to their loan account.

b) The Bank would make available for the benefit of prospective customers all the details relating to charges generally in respect of their retail products in the media specified in Para 3.2.1.

c) Any revision in charges would be notified in advance and would also be made available in the media as listed in Para 3.2.1.

3.6. Terms and Conditions for Lending:

a) The Bank would ordinarily give an acknowledgement of receipt of loan request and if demanded by the customer, a copy of the application form duly acknowledged would also be given, as soon as the customer chooses to buy a product of or service of his choice.

b) Immediately after the decision to sanction the loan, the Bank would show draft of the documents that the customer is required to execute and would explain, if demanded by the customer, the relevant terms and conditions for sanction and disbursement of loan.

c) Loan Application forms, Draft documents or such other papers to be signed by a customer shall comprehensively contain all the terms and conditions relating to the product or service of his choice.

d) Reasons for rejection of loan applications would be conveyed to small borrowers seeking loans up to Rs. 2 lac.

e) Before disbursement of loan and on immediate execution of the loan documents, the Bank shall deliver a copy of the documents to the customers.

3.7. Accounting Practices:

a) The Bank would provide regular statement of accounts, unless not found necessary by the customers.

b) The Bank would notify relevant due dates for application of agreed interest, penal interest, default interest, and charges if they are not mentioned in the Loan applications, documents or correspondence.

c) The Bank would notify in advance any change in accounting practices which would affect the customer before implementation

3.8. Information Secrecy

a) All personal information of the customer would be confidential and would not be disclosed to any third party unless agreed to by customer. The term 'Third party' excludes all Law enforcement agencies, Credit Information Bureaux, Reserve Bank of India, other banks/ financial and lending institutions.

b) Subject to above Para, customer information would be revealed only under the following circumstances;

  • If our Bank is compelled by law
  • If it is in the Public Interest to reveal the information
  • If the interest of the Bank require disclosure.

3.9. Financial Distress:

a) The Bank would sympathetically reckon cases of customer's financial distress.

b) Customers would be encouraged to inform about their financial distress as soon as possible.

c) The Bank would adequately train the operational staff to give patient hearing to the Customers in financial distress and would try to render such help as may be possible in their view.

3.10. Grievance Redressal

a) The Bank would have a Grievance Redressal Cell/ Department/ Centre within the organization.

b) The Bank would make available all details, namely;

  • Where a complaint can be made
  • How a complaint should be made
  • When to expect a reply
  • Whom to approach for redressal of grievance etc.,

to the customers individually on demand and through the media listed in Para 3.2.1.

c) Response to a complaint whether positive or negative or requiring more time for redressal would generally be given within a maximum period of four weeks from the date of receipt of complaint, unless the nature of complaint is such that requires verification of voluminous facts and figures.