SBI (State Bank Of India) Kya Hai? Poori Jankari Hinglish Mein.

SBI ek sarkari bank hai jo Mumbai, Maharashtra, India mein sthit hai. SBI India ke sabse bade bankon mein se ek hai..

Table of Content

1. SBI (State Bank Of India) 
2. SBI ka itihaas
3. SBI ka Bharatiya arthvyavastha mein yogdaan
4. SBI dvaara pradaan kiye jaane waale products aur services
5. SBI ke digital initiatives ke baare mein jaankari
6. SBI ki antarrashtriya upasthiti ke baare mein jaankari
7. SBI ke Corporate Social Responsibility (CSR) initiatives ke baare mein jaankari
8. SBI ki Financial performance ke baare mein jaankari
9. SBI se sambandhit haal ke vikas aur vivadon ke baare mein jaankari
10. FAQs

SBI (State Bank Of India) 

State Bank of India (SBI) ek sarkari bank hai jo Mumbai, Maharashtra, India mein sthit hai. Yeh assets, deposits, branches, customers aur employees ke mamle mein India ke sabse bade bankon mein se ek hai. SBI apne customers ko saving account, current account, loan, credit card, insurance, nivesh ke utpad aur antarrashtriya banking sevaon jaisi kai prakar ki sevaen pradan karta hai.

SBI ko Imperial Bank of India ki rashtriya karane ke baad 1955 mein sthapit kiya gaya tha. Tab se yeh Indian banking aur vittiy sector mein ek bada khiladi ban gaya hai, jiske pas desh bhar mein 22,000 se adhik shakhaen aur 58,000 se adhik ATM hain. SBI ke paas 32 deshon mein shakhaen aur 20 deshon mein videshi karyalay bhi hain.

SBI ne varsh 2020-21 mein Rs 20,410 karod ki net laabh riport kiya hai. Bank ki majboot vittiy upalabdhiyon ka mukhya karan ek majboot vyavasayik model, ek vistrit utpad aur sevaon ka vistar, bade khate dharakon ki snkhya aur prabhavi risk prabandhan prayog hain. SBI ne khud bhi apane customers ke anubhav ko badhane aur karyapranali ko saral banane ke lie vibhinn digital prakriyaon ka udghatan kiya hai.

SBI apani mool banking aur vittiy sevaon ke alava vibhinn korporait samajik jimmedari (CSR) ki prakriyaon mein bhi sakriy roop se shaamil hai. Bank ne shiksha, swasthya, paryavaran aur gramin vikas ke kshetron mein vibhinn yojanaon aur prayason ko lagoo kiya hai.

SBI ne kuchh varshon mein vibhinn kaaranon ke lie samachar mein aaya hai, jismein sakaratmak vikaas, vibhinn sambandhon aur sangathanon ke saath sahayog aur Yes Bank mein bhagidaritv ke iraade shaamil hain

Kuch vivadon mein jeweler Nirav Modi ke dwara kiye gaye dhokhadhadi mein shaamil hone ke lie SBI par alochana bhi aayi hai aur vibhinn kampaniyon ke loan khateon ko apmanit karne ke aarop bhi lage hain. In sabhi chunautiyon ke bavajood, SBI bharatiya banking aur vittiy sector mein ek pramukh khiladi hai aur bhavishya mein vikas avasar ka fayada uthaane ke lie achchhi tarah se tayyar hai."

SBI ka itihaas

State Bank of India ka itihaas 19th century ke shuruaati daur tak jaa sakta hai. Yahan ek saraansh diya gaya hai:

• 1806: Bank of Calcutta sthapit ki gayi.
• 1921: Bank of Calcutta, Bank of Madras aur Bank of Bombay ek saath milakar Imperial Bank of India bani.
• 1955: Imperial Bank of India ko rashtriya karar diya gaya aur iska naam State Bank of India (SBI) kar diya gaya.
• 1959: State Bank of India (Subsidiary Banks) Act pass kiya gaya, jiske chalte aath rajya se sambandhit bankon ka nirman hua.
• 1960: State Bank of India ne London mein apni pehli videshi shakh khola.
• 1973: Bharat sarkar ne State Bank of India ke saat sahayak bankon ko bhi rashtriya kar diya.
• 1980: Bharat ke baki ke niji bank bhi rashtriya kiye gaye, jiske baad State Bank of India sabse bade vyapari bank ban gaya.
• 1995: State Bank of India ne apni pehli joint venture, Société Générale ke saath shuru ki.
• 2008: State Bank of Saurashtra ko State Bank of India se mila diya gaya.
• 2013: State Bank of India ne Indian banking and financial services company, State Bank of Bikaner and Jaipur mein 76% ki hissedari kharidi.
• 2017: State Bank of India ne State Bank of Bikaner and Jaipur, State Bank of Hyderabad, State Bank of Mysore, State Bank of Patiala, aur State Bank of Travancore se mil kar ek ho gaya.

Aaj, State Bank of India Bharat mein sampatti, jama, aur shakhaon ki drishti se sabse bada vyapari bank hai. Iska bahar desh mein bhi bada prabhav hai aur yah Bharatiya arthavyavastha mein ek mahatvapurn khiladi hai.

SBI ka Bharatiya arthvyavastha mein yogdaan

State Bank of India (SBI) Bharatiya arthavyavastha mein kayi tariko se mahatvapurn bhoomika nibhata hai:

• Rin dena: SBI Bharat ka sabse bada rin dene wala bank hai aur krishi, chhote aur madhyam vyapari, infrastructure aur khudra kharcho jaise vibhinn kshetron mein rin pradan karta hai. Yeh vibhinn vyavsayon aur udyogon ko vittiy suvidha pradan karke arthik vikas aur unnati mein sahayak hai.
• Vittiy saamilata: SBI ne bharat mein vittiy saamilata ko badhava dene ke liye pramukh kadam uthaye hain aur gramin kshetron aur kamjor varg ke logon ko banking seva pradan karke isme mahatvapurn bhoomika nibhaye hain. Iske paas shakhaon aur banking korespondents ki badi network hai jo un logon ko vittiy seva pradan karta hai jinke paas anyatha banking sevaon tak pahunchne ka koi sadhan nahi hai.
• Sarkari len-den: SBI sarkari len-den jaise kar vyaj, pension vitaran aur anudaan pradan jaisi mahatvapurn sarkari len-den ko sambhalne mein mahatvapurn bhoomika nibhata hai. Iske shakhaon ki badi network aur SBI Collect jaise online payment platform ke madhyam se logon ko kar vyaj bhugtan aur sarkari labh prapt karne mein sahayata pradan karta hai.
• Antar-raashtreeya karyakram: SBI ke pas bharat ke bahar kayi deshon mein bada sthan hai aur yeh antar-raashtreeya vyapar aur nivesh mein mahatvapurn bhoomika nibhata hai. Yeh antar-raashtreeya vyapar mein lage vyavsayon aur vyaktiyon ko vyapar vyavastha, dhan raashi bhejne aur videshi mudra seva jaise kayi tarah ki sevaon pradan karta hai.

Kul milakar, State Bank of India Bharatiya arthavyavastha mein ek mahatvapurn khiladi hai aur arthik vikas, vittiy saamilata aur ghar ke aur antar-raashtreeya vyapar aur nivesh mein sahayak bhoomika nibhata hai.

SBI dvaara pradaan kiye jaane waale products aur services

State Bank of India (SBI) apne grahakon ki zarooraton ko poora karne ke liye kayi prakar ke utpaad aur sevayein pradaan karta hai. Inmein se kuch pramukh utpaad aur sevayein hai:

1. Savings account: SBI khushaali pradaan karne wale byaaj dar, suvidhaajanak banking vikalpon aur internet banking, mobile banking aur SMS banking jaise vibhinn vardhaari sevayon ke saath bachat khata pradaan karta hai.
2. Current account: SBI vyavasaayon, vyapariyon aur korporetion ko vartamaan khata suvidha pradaan karta hai jismein avadharon ke saath sahuliyat aur chek buk suvidha, aur online banking jaise vibhinn labh hote hain.
3. Loan: SBI ghar ka loan, gaadi ka loan, personal loan, shiksha loan aur vyavasaay loan jaise vibhinn loan utpaadon ke saath sahuliyat ke saath byaaj dar aur mudra vaapas karne ki suvidha pradaan karta hai.
4. Credit card: SBI vibhinn prakaar ke credit card pradaan karta hai jismein khushaali dene wale fayde, cashback aur anya labh hote hain jisse alag-alag grahakon ki zarooraton ko poora kiya jaa sakta hai.
5. Insurance: SBI apne grahakon ko khushaali dene wale jeevan bima, swasthya bima aur saamaanya bima jaise vibhinn bima utpaadon ke saath sahuliyat aur labh pradaan karta hai.
6. Nivesh utpaad: SBI apne grahakon ko nivesh kee zaroorat ko poora karne ke liye fixed deposit, recurring deposit, mutual fund aur demat account jaise vibhinn nivesh utpaad pradaan karta hai.
7. Antarraashtreeya banking: SBI videsh mudra khate, vyapaar vitta aur remittance jaise vibhinn antarraashtreeya banking sevayein pradaan karta hai jisse antarraashtreeya vyapar aur nivesh ko saral banaaya ja sakta hai.

Aise hi, State Bank of India apne grahakon ke banking aur vitta avashyaktaon ko poora karne ke liye vibhinn prakar ke utpaad aur sevayein pradaan karta hai.

SBI ke digital initiatives ke baare mein jaankari

SBI ne apne customers ko ek seemless banking experience dene ke liye kai digital initiatives liye hai. Kuch pramukh initiatives is prakar hai:

• Internet Banking: SBI apne customers ko internet banking ki suvidha pradaan karta hai, jisse unhe online dhan-rashi transfer, bill payments, aur fixed deposits ke khata kholne jaise vibhinn banking transactions karne ki suvidha milti hai.
• Mobile Banking: SBI ne Android aur iOS devices ke liye mobile banking apps develop kiye hai, jisse customers apne smartphones ka upyog karke apne khata ko access kar sakte hai, dhan-rashi transfer kar sakte hai, aur bill payments kar sakte hai.
• YONO App: YONO ka matlab hai "You Only Need One" aur yah SBI dvara develop kiya gaya ek vistrit digital banking platform hai. YONO mein banking, nivesh, vima, aur shopping jaisi vibhinn banking aur vittiye sevaayein upalabdh hai.
• SBI Quick: SBI Quick ek aisi suvidha hai jisse customers SMS ya missed calls ke dwara vibhinn banking sevaayein upalabdh kar sakte hai. Customers apne khata ke balance ko check kar sakte hai, mini statement prapt kar sakte hai, aur aur bhi kai suvidhaayein prapt kar sakte hai.
• SBI Card: SBI Card ek credit card seva hai jo SBI dvara pradaan ki jaati hai. Customers SBI Card website ya app ka upyog karke apne credit card khate ko manage kar sakte hai, bill payments kar sakte hai, aur offers aur cashback prapt kar sakte hai.

Antatah, SBI ke digital initiatives ne SBI ko apne customers ko ek adhik suvidhaajanak aur upalabdh banking experience dene mein sahaayata pradaan ki hai.

SBI ki antarrashtriya upasthiti ke baare mein jaankari

State Bank of India (SBI) ke paas duniya bhar mein kai deshon mein shakhaon ke saath ek mahatvapoorn antarrashtriya upasthiti hai. September 2021 tak, SBI ke 32 deshon mein shakhaen hain, jinmein United States, Canada, United Kingdom, Japan, China, Australia, aur Middle East, Africa aur Asia ke vibhinn desh shaamil hain.

SBI ki antarrashtriya operations NRIs ko banking seva pradaan karna aur antarrashtriya vyapar aur nivesh ko aasaan banane par kendrit hote hain. SBI videshi mudra khate, vyapar vitta, remittance aur correspondent banking seva jaise antarrashtriya banking seva ka vistar bhi karti hai.

Iske alawa, SBI ne videshi durbhagya aur sanyukta ventures bhi sthapit kiye hain, jisse unki antarrashtriya operations ka vistar hua hai. SBI ke kuch videshi durbhagy sahit SBI Canada Bank, SBI Mauritius, SBI Nepal aur SBI California shaamil hain. Ye durbhagy sthaanik graahakon aur vyavasaayon ko vibhinn banking aur vittiya sevaen pradaan karte hain.

Saarvajanik roop se dekha jaaye to, SBI ki antarrashtriya upasthiti antarrashtriya vyapar aur nivesh ko aasaan banane mein mahatvapoorn bhumika nibhaati hai aur bhartiya diaspora ke banking ke avashyaktaon aur vibhinn deshon ke sthaanik graahakon ke liye seva pradaan karti hai.

SBI ke Corporate Social Responsibility (CSR) initiatives ke baare mein jaankari

SBI apni Corporate Social Responsibility (CSR) ko seriously leti hai aur samajik aur arthik vikas ke liye vibhinn karyakram aur gatividhiyon ko shuru kiya hai. SBI ke kuch pramukh CSR initiatives hain:

1. Shiksha: SBI ne shiksha ko samarthan dene ke liye vibhinn initiatives shuru kiye hain, jismein pratibhashali chatron ko chhatravriti pradan karna, skool banane aur gaon ke kshetron mein shiksha sanrachana pradan karna shaamil hain.
2. Swasthya: SBI ne desh ke vibhinn kshetron mein swasthya kendron aur clinic shuru kiye hain, jisse garib samudayon ko swasthya seva pradan ki ja sakti hai.
3. Kausal vikas: SBI ne yuvaon ke beech kausal vikas ko badhava dene ke liye initiatives liye hain, jismein vyavasayik prashikshan pradan karna aur kausal vikas kendron ko sthapit karna shaamil hain.
4. Mahila sashaktikaran: SBI ne mahilaon ko sashakt banana ke liye vibhinn kadam uthaye hain, jismein mahila udyamiyon ko arthik sahayata pradan karna aur mahilaon ke arthik sashaktikaran ke liye yojanaen shuru karna shaamil hain.
5. Paryavaran susthirta: SBI ne paryavaran susthirta ko badhava dene ke liye initiatives liye hain, jismein surya urja kee shakti plants aur jal sanrakshan karyakram shaamil hain.

Kul milakar, SBI samaj par sakaratmak prabhav dalne ke liye apni CSR initiatives par tike hue hai aur desh ke sustha vikas mein yogdaan dene ka prayas karta hai.

SBI ki Financial performance ke baare mein jaankari

State Bank of India (SBI) Bharat ke sabse bade banks me se ek hai jiske assets, deposits, branches, customers aur employees ki sankhya sabse jyada hai. SBI ne saalon se lagatar majboot vittiya pradarshan kiya hai.

2020-21 ke arthik varsh mein, SBI ne 20,410 karod rupaye ka net labh riport kiya, jo pichhle varsh ke 14,488 karod rupaye ke net labh se kafi adhik hai. Bank ke total aay ka varsh 3,00,032 karod rupaye tha, jo pichhle varsh se 6.98% ki vriddhi thi.

SBI ka net interest income (NII) 86,362 karod rupaye tha, jo pichhle varsh se 3.79% ki vriddhi thi. Bank ke gross non-performing assets (GNPAs) ratio ne March 2020 mein 5.44% se March 2021 mein 4.98% tak sudhar kiya tha. SBI ka provision coverage ratio (PCR) bhi March 2020 mein 83.62% se March 2021 mein 86.32% tak sudhar kiya gaya tha.

SBI ke majboot vittiya pradarshan ke peeche kai karan hai jaise ek majboot vyavasayik model, vibhinn products aur services ka vistar, bada customer base, aur prabhavi risk management practices. Bank ne customers ki suvidha aur operations ko streamline karne ke liye vibhinn digital initiatives bhi li hai. Kul milakar, SBI ka vittiya pradarshan behad prabhavshali raha hai aur bank bharatiya banking aur vittiya kshetra mein vikas ki avsar ka labh uthane ke liye acchi tarah se tayyar hai.

SBI se sambandhit haal ke vikas aur vivadon ke baare mein jaankari

SBI, jo ki Bharat ki sabse badi bankon mein se ek hai, aksar apni vibhinn vikas aur vivadon se sambandhit khabron mein hoti hai. Yahan kuchh haal hi ki ghatnaon ka zikr kiya ja raha hai:

Vikas:

• Digital Parivartan: Haal ke varshon mein, SBI ne apne digital parivartan prayason mein kafi sudhaar kiye hain, jaise ki apna YONO app launch karna aur sampark rahit card jaise naye suvidhaon ko shuru karna.
• Saathiyon ki Bankon ka Vimarjan: 2017 mein, SBI ne apne paanch saathi bankon ko apne saath mila liya, jisse uski aakar aur graahak base mein kafi vriddhi hui.
• SBI Card IPO: 2020 mein, SBI Cards and Payment Services, SBI ki ek shakha, apni IPO ke saath market mein aayi, jo Bharat mein us varsh ki sabse badi IPO mein se ek thi.

Vivad:

• Data Breach: 2021 mein, SBI ek data breach ka samna karna pada jisme lakhoon graahakon ki vyaktigat jaankari chhini gayi thi. Bank ne turant pratikriya ki aur apne graahakon ko asvaasan diya ki unki vaithik jaankari par koi asar nahi hua, lekin yah ghatna data suraksha aur gopniyata se sambandhit chintaon ko uthati hai.
• Karj Mafi: SBI ko karj mafi yojnaon, vishesh roop se kisanon se sambandhit yojnaon mein, apne hisse ke liye jimmedar hona pada hai. Aalochakon ka kehna hai ki ye yojnaon moral hazard ko badhava deti hai aur kisanon ke arthonik samasyaon ke mool ka ilaaj nahi hai.
• Fraaud ke Mamle: SBI ne kai fraaud mamlo mein bhi shamil hui hai, jisme shamil hai prasiddh Nirav Modi mamle jisme ek heera vyapari ne bank se lagbhag $1 billion ka dhokhadhadi kiya tha. Yah ghatna bank ke daayitvadhaayi prakriyaon aur risk prabandhan prakriyaon par sawaal uthati hai.

FAQs

Q: Kya SBI mein online account khulwa sakte hain?

A: Haan, SBI mein aap online banking ke through apna naya account khulwa sakte hain.

Q: SBI mein minimum balance kitna hona chahiye?

A: SBI mein minimum balance alag-alag account types ke liye alag-alag hota hai. Jaise savings account mein minimum balance Rs. 3,000 se Rs. 1,00,000 tak ho sakta hai. Current account ke liye minimum balance bhi alag-alag hota hai.

Q: Kya SBI credit card lena safe hai?

A: Haan, SBI credit card lena bilkul safe hai. SBI ek reputed bank hai aur credit card ke transactions ke liye high-level security measures provide karta hai.

Q: SBI ATM card block kaise karein?

A: Agar aapka SBI ATM card kho gaya hai ya aapko lagta hai ki wo kisi ko mil gaya hai, to aap use immediately block kar sakte hain. Iske liye aap SBI customer care mein call karke ya SBI net banking ke through apne card ko block kar sakte hain.

Q: Kya SBI personal loan lene mein koi hidden charges hote hain?

A: Nahi, SBI personal loan lene mein koi hidden charges nahi hote hain. Bank sirf processing fee charge karti hai, jo loan amount ke hisab se alag-alag hoti hai.

Q: SBI ke customer care number kya hai?

A: SBI ke customer care number hai 1800 11 2211 (toll-free) aur 1800 425 3800 (toll-free). Aap in numbers par call karke apne banking-related queries solve kar sakte hain.

Q: Kya SBI mein mobile banking ke liye separate registration karni padti hai?

A: Haan, SBI mein mobile banking ke liye separate registration karni padti hai. Aap SBI net banking ke through ya SBI branch mein jakar mobile banking ke liye register kar sakte hain.

Q: SBI mein fixed deposit kitne din ke liye kiya ja sakta hai?

A: SBI mein fixed deposit minimum 7 din aur maximum 10 saal ke liye kiya ja sakta hai.

Q: SBI kya hai?

A: SBI ek sarkari bank hai jo Maharashtra, India mein sthit hai. Yah desh ke sabse bade bankon mein se ek hai aur apane grahakon ko bachat khate, vartaman khate, loan, kredit kard, vima, nivesh utpaad aur antarrashtriya banking sevaon jaisi vibhinn sevaon ki shaili pradaan karta hai.

Q: SBI ka itihaas kya hai?

A: SBI ki shuruwat 1955 mein huee thi jab Imperial Bank of India ki rashtriyakaran ke baad SBI ki sthapana ki gee. Tab se ab tak yah bharatiy banking aur vittaee sector mein ek bada khiladi bana hai, jiske paas desh bhar mein 22,000 shakhaen aur 58,000 ATM hain. Iske alava, SBI ke 32 deshon mein shakhaen aur 20 deshon mein videshi karyalay bhi hain.

Q: SBI ke paas kya-kya sevaen hai?

A: SBI ke paas bachat khate, vartaman khate, loan, kredit kard, vima, nivesh utpaad aur antarrashtriya banking sevaon jaisi vibhinn sevaen hain.

Q: SBI ki vittiya pradarshita kaisi hai?

A: SBI ne pichhle kuchh saalon mein lagatar majaboot vittiya pradarshita darj ki hai. 2020-21 ke vittiy varsh mein SBI ki net laabh 20,410 karod rupaye tha. Bank ki majaboot vittiya pradarshita ke peeche kai kaaran hain, jaise ki ek majaboot vyavasaayik model, ek vishal grahak base, ek vishal sevaon aur utpaadon ki shaili aur prabandhan ki kshamata.

Q: SBI ne aakhir kyon Yes Bank mein hastakshep liya?

A: Yes Bank ek niji bank hai jiske saamne 2020 mein vittaee pareshaniyan aayi thin. SBI ne Yes Bank mein 49% bhagidari khareedne ke liye Rs 6,050 karod ka nivesh karne ka ailaan kiya tha.

Q: SBI ne kis tarah se grahakon ke liye digital prayaason ko badhava diya hai?

A: SBI ne YONO (You Only Need One) app jaise kai digital prayaason ka udghaatan kiya hai, jisase grahakon ki anubhav ko badhaaya ja sakta hai. YONO app ek ekal platform par bank aur jeevan shaili se sambandhit sevaon ki shaili pradaan karta hai.

Q: SBI ne apni samaajik jimmedari kshamata mein kis tarah se yogadaan diya hai?

A: SBI apane core banking aur vittaee sevaon ke alava shiksha, swasthya, paryavaran aur gramin vikas ke kshetron mein kai yojanaon aur prakalpon ko anudaan kiya hai.