State Bank of India (SBI) is the largest public sector bank in India, known for offering a wide range of financial services to individuals, businesses, and corporations. It has a massive network of branches and ATMs across India and abroad, making it one of the most accessible banks in the country.
Key Features of SBI:
- Extensive Network : SBI has a vast network of over 24,000 branches and 58,000 ATMs, making it highly accessible across India.
- Digital Banking : Through services like SBI YONO (You Only Need One) app and SBI Online Banking, customers can manage accounts, transfer funds, and pay bills.
- Government Tie-ups : SBI has strong associations with government schemes like Pradhan Mantri Jan Dhan Yojana (PMJDY), Sukanya Samriddhi Yojana, and others.
Steps to Open an SBI Bank Account Online:
1. Visit the SBI Website or Download the YONO SBI App :
- Visit the official [SBI website](https://www.onlinesbi.com/) or download the YONO SBI app from the Google Play Store or Apple App Store.
2. Choose Account Type :
- On the SBI website, go to the ‘Accounts’ section and choose the type of account you want to open (e.g., savings account, fixed deposit, etc.).
- For savings accounts, you may choose between different types like:
- Savings Plus Account
- Digital Savings Account
- Basic Savings Bank Account (for simplified banking)
3. Click on 'Apply Now' :
- For online account opening, click on the 'Apply Now' button. You will be redirected to the online account application page.
4. Fill the Account Opening Form (AOF) :
- Provide your personal details such as:
- Full name
- Date of birth
- Mobile number
- Email ID
- PAN or Aadhaar number (for KYC)
5. e-KYC Process :
- Complete the e-KYC process using your Aadhaar number and authenticate via OTP sent to your registered mobile number.
- In some cases, you might be required to schedule a video KYC session where a bank official verifies your identity through a video call.
6. Upload Documents :
- You will need to upload scanned copies of your documents, such as:
- Aadhaar card
- PAN card
- Passport-size photograph
- Ensure that the documents match the information provided during the form-filling process.
7. Initial Deposit :
- Depending on the account type, you may be asked to make an initial deposit. SBI provides options for this through net banking, UPI, or debit card payment.
8. Account Activation :
- After completing the KYC and initial deposit, your account will be activated. You will receive your account number and other necessary details via email or SMS.
9. Get Your Debit Card & Cheque Book :
- Once the account is opened, you can request a debit card and cheque book either through the YONO app or by visiting your nearest branch.
10. Set Up Mobile and Internet Banking :
- Once your account is active, you can set up SBI internet banking or mobile banking through the YONO SBI app for easy transactions.
By following these steps, you can open an SBI savings account without needing to visit the bank physically.
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