Professional Documents
Culture Documents
State Bank of India: Humayun Nagar Branch (Mehdipatnam) Hyderabad - 500 028
State Bank of India: Humayun Nagar Branch (Mehdipatnam) Hyderabad - 500 028
State Bank of India: Humayun Nagar Branch (Mehdipatnam) Hyderabad - 500 028
A Bank Guarantee to
Satyam Computer Services Rs.2 lacs
If loan is required If loan is not required
B Your Contribution Maximum Rs.10,000/- Rs.2,00,000/-
C Bank Loan (A - B) Maximum Rs.2,00,000/- NIL
D Total (B + C) Rs.2,00,000/- Rs.2,00,000/-
E Interest paid by the Will be reinvested as deposit
Bank to you at prevailing and principal together with
rate of interest interest will be paid at
the end of the bond period.
F Interest to be paid by you for Loan Amount will be recovered NIL
the loan at prevailing rate of in EMIs by means of checkoff/
interest standing instructions/
Post dated cheques
G Bank Guarantee Charges BOND PERIOD BOND PERIOD
(One Time) 24 months Rs.2,500/- 24 Months Rs.2,500/-
Should you require further clarifications / asistance please feel free to contact us at the following:
1. State Bank of India, Humayun Nagar Br., Hyderabad. sa.05322@sbi.co.in
2. State Bank of India, PBB Dilsukhnagar. Hyderabad. sa.04354@sbi.co.in
3. Asst. General Manager, State Bank of India, Region-I, Patny Circle, Secunderabad. agmr1.zohyd@sbi.co.in
FORM I - Letter from new recruits to be completed, signed & duly attested by SBI Officials.
FORM III - Applications for sanction of personal loan / issue of Bank guarantee.
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State Bank of India
Humayun Nagar Branch (Mehdipatnam)
Hyderabad - 500 028.
BANK GUARANTEE TO SATYAM COMPUTER SERVICES LTD. NEW RECRUITS
INFORMATION SHEET (IN CASE YOU NEED A LOAN)
YOU ARE REQUIRED TO
1. Identify a person who will agree to stand guarantee and whose Net income is not less than
Rs.2 lacs. per annum (It can be your parents also)
2. Fill in all the forms with complete details (blank forms will not be accepted)
3. Enclose the required documents listed below.
4. Purchase a DD for the required amount (see table below)
5. Contact any State Bank of India (SBI) branch at your place (in case you are in Hyderabad, Visit SBI,
Humayun Nagar, PBB Dilsukhnagar or Region-I, Zonal Office, Patny Circle, Secunderabad.)
6. Meet the Branch Manager / Offical of SBI along with the forms duly filled in, DD, photocopies and
orginals of all documents.
7. The Guarantor should accompany you, Guarantor to sign on (1) Page 8 Form II, (2) Page 9 Form IV
(D.P. Note), (3) Page 9 Form IV, (4) D.P. Note take delivery, (5) Page 13 Form VII (5 signatures in
all)
8. Affix your signature along with the guarantor in the presence of Bank official only, You have to sign
on (1) Page 4 Form I, (2) Page 8 Form III, (3) Page 9 Form IV once on DP Note over Revenue
Stamp (4) Second on the RHS, (5) On Page 9 Form IV at the bottom of the D.P. Note take delivery,
(6) Page 12 Form VI, (7) Page 14 Form VIII, (8) Page 15 Form IX, (9) SB A/c. Opening Form (9
signatures)
9. Collect the Sealed cover containing the documents from the Bank official and submit it to any of the
Addresses furnished in the Covering Letter.
DOCUMENTS REQUIRED
1. PHOTO IDENTITY : Passport or Election ID card or PAN card or Driving License (photocopy of any
one)
2. ADDRESS PROOF : Passport or Election ID card or PAN card or Driving License with your current
address or Telephone Bill or Electricity Bill in your/parents name. Salary Slip or IT assessment
order (photocopy of any one) of their parent along with Xerox copy of the offer letter from
Satyam Computer Services Ltd.
1. Photo Identity and Address proof of the Guarantor (documents listed above)
2. Latest Salary Certificate and Form 16 of the Guarantor in case he / she is Salaried person.
3. Last two years IT returns and Audited Banlance Sheet of the Guarantor in case he / she is a
Business man or Self employed person.
4. Income Certificate and proof of Land holdings (title deeds and latest record of rights) of the
guarantor in case he/she is an agriculturist.
5. Assests and liabilities statement of Guardian / Guarantor (proforma enclosed)
AMOUNT TO BE PAID DD Fovouring State Bank of India, Humayun Nagar Branch, Hyderabad.
(No Cash / Cheque / Outstanding drafts accepted)
BOND PERIOD 24 MONTHS EMI
If you need a loan of Rs.1,90,000/- Rs. 12,500/-
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State Bank of India
Humayun Nagar Branch (Mehdipatnam)
Hyderabad - 500 028.
BANK GUARANTEE TO SATYAM COMPUTER SERVICES
NEW RECRUITS INFORMATION SHEET (IN CASE YOU ARE DEPOSITING FULL AMOUNT)
YOU ARE REQUIRED TO
1. Fill in all the forms with complete details (blank forms will not be accepted)
2. Enclosed the required documents listed below.
3. Purchase a DD for the required amount (see table below)
4. Contact any State Bank of India (SBI) branch at your palce (in case you are in Hyderabad, Visit
SBI, Humayun Nagar / PBB Dilsukhnagar / Region-I, Zonal Office, Patny Circle, Secunderabad.)
5. Meet the Branch Manager / Offical of SBI along with the forms duly filled in, DD, photocopies
and orginals of all documents.
6. Affix your signature on (1) Page 4 Form I, (2) Page 8 Form III, (3) Page 14 Form VIII (4) Page 15
Form IX, (5) SB A/c. Opening Form (5 signatures)
7. Collect the Sealed cover containing the documents from the Bank official and submit it to any of the
Addresses furnished in the Covering Letter.
DOCUMENTS REQUIRED
1. PHOTO IDENTITY : Passport or Election ID card or PAN card or Driving License (photocopy of any
one)
2. ADDRESS PROOF : Passport or Election ID card or PAN card or Driving License with your current
address or Telephone Bill or Electricity Bill in your/parents name. Salary Slip or IT assessment
order (photocopy of any one).
AMOUNT TO BE PAID DD Fovouring State Bank of India Humayun Nagar Branch, Hyderabad.
(No Cash / Cheque / Outstanding drafts accepted)
BOND PERIOD 24 MONTHS
If you do not need a loan Rs.2,02,500/-
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State Bank of India
Humayun Nagar Branch (Mehdipatnam)
Hyderabad - 500 028.
FORM-I
From
__________________________________ (Full Name)
__________________________________ (Address)
__________________________________
To,
The Chief Manager
State Bank of India,
Humayun Nagar Branch / PBB Dilsukhnagar,
(Mehdipatnam) Hyderabad.
Through SATYAM COMPUTER SERVICES LTD.
Dear Sir,
SATYAM COMPUTER SERVICES LTD. NEW RECRUITS
Please find enclosed the followig documents for issue of bank guarantee of Rs.2 lacs to Satyam Computer
Services.
1. Identify Proof ______________________________
2. Address Proof ______________________________
3. SB Account Opening Form duly filled in with all relevant details.
4. Application for issue of Bank Guarantee duly completed (Form III)
5. I requrie a loan of Rs. 2.00 Lacs and hence the following documents are enclosed
(i) DP Note and DP Note Take Delivery Letter
(ii) Identity Proof of the guarantor _________________________ (Please Specify)
(iii) Address Proof of the guarantor _________________________ (Please Specify)
(iv) Income Proof of the guarantor _________________________ (Please Specify)
6. DD No. ______________________ for Rs. _____________________ dated _____________________
favouring State Bank of India, Humayun Nagar Branch, Hyderabad.
Yours faithfully,
( )
Signature of the Applicant
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State Bank of India
FORM II
To,
The Chief Manager
State Bank of India,
.....................................................
.....................................................
Date:
Dear Sir,
ADVANCES TO PER SEGMENT
SATYAM COMPUTERS SERVICES LTD.
HYBRID PRODUCT (PERSONAL LOAN AND BANK GUARANTEE)
Satyam Computer Services Ltd. are recruiting fresh graduates in a large scale every year, for their IT and
ITES activities. In IT industry the attrition rate is a little high when compared to other industries. In order to
curb this tendency Satyam Computer Services Ltd. have planned to impose a security deposit of Rs.2,00,000/
- on all new entrants. Since many of the new entrants may not be in a position to meet this cash security
deposit, Satyam Computer Services Ltd. requested our Bank to formulate a product to take care of the
security deposit needs of their new recruits.
2. Accordingly, we have devised a hybrid product combining Personal Loan and Bank Guarantee to the new
entrants of Satyam Computer Services. The scheme is expected to be put into operation by next week.
Under the new product, a personal loan of Rs.1,90,000/- will be sanctioned to the new entrant and the new
entrant has to bring in a margin of Rs.10,000/- and the total amount of Rs.2,00,000/- will be held in Term
Deposit. On the strength of this deposit a guarantee for Rs.2,00,000/- will be issued to Satyam Computer
Services Ltd. for a period of 24 months on behalf of the new entrant. The personal loan will be recovered in
EMI by means of checkoff / PDCs / salary deduction from the entrant. The guarantee will be reversed on the
expiry of 15/24 months as stipulated by Satyam Computer Services Ltd. In case of attrition only the Person
Loan will be under exposure to the Bank which is being covered by a personal guarantee of a third party
provided by the new entrant. The above scheme has been approved by the Circle Management Committee at
the Circle.
3. Since the new entrants to Satyam Computers Services are spread all over the country, we have planned
to facilitate execution of various documents connected with the hybrid product (Personal Loan cum Guaran-
tee) at a branch of our Bank situated close to the place of residence of new recruit/his parents/guarantor. As
per the arrangement devised, the designated branch - Humayun Nagar / PBB Dilsukhnagar, for the above
mentioned business will be forwarding all the set of documents as listed below directly to the newentrant
who will approach the Branch Manager of the Branch which is situated close to his place of residence:
4. This Kit Contains:
FORM I - Letter from Applicant to be completed, signed & duly attested by SBI Officials.
FORM II - Instruction to our SBI Branches.
FORM III - Application for sanction of personal loan / issue of Bank guarantee.
FORM IV - DP Note and DP Note take delivery letter.
FORM V - Instruction to Circle authorities.
FORM VI - Text of the consent clause by the borrower.
FORM VII - Text of the consent clause by the Guarantor.
FORM VIII - Specimen signature card.
FORM IX - OnlineSBI Registration form.
FORM XI - SB A/c Opening Form.
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5. We, therefore, request you to obtain the following papers / documents duly completed:
a) Application form for Personal Loan-Cum-Guarantee has to be filled in completely by the applicant. Both the
applicant and the guarantor have to affix their signature on the application form in your presence. If it is
already signed please obtain fresh signature in your presence.
b) Obtain the DP Note (COS 228 since there is a guarantor) and take delivery letter for a loan of Rs.2,00,000/-.
In case the candidate is able to bring margin to the loan amount it gets reduced accordingly. Therefore, the DP
Note and DP Note Take Delivery Letter has to be obtained for the difference between Rs.2,00,000 and actual
margin brought in by the new entrant. The margin money + Bank Guarantee charges will be brought in by the
applicant in the form of a draft drawn directly in the name of SBI, Humanyun Nagar Branch. After verifying the
margin position the DP and DPN Take Delivery Letter has to be completed accordingly. While DP Note and DPN
Delivery letter will be in favour of Humayun Nagar Branch the place of execution should show your place. At
the bottom of the DP Note please obtain endorsement by the guarantor since there is no provision on the
reverse.
c) Savings Bank Account application form has to be completed as per KYC norms. Please attest the Xerox copies
of identity and address proof documents for having verified the original. In the event of the new entrant not
being in a position to provide a personal introduction for opening SB account, he or she may be advised to
produce a copy of his appointment order sent through e-mail by Satyam Computer Services Ltd. (by downloading
from his PC) which will serve the purpose of introduction which should be enclosed to SB application form.
Further, obtain online registration form duly completed.
d) The Scheme envisages obtention of guarantee of third party. In this connection please ensure that the income
of the guarantor is not less than Rs.2.00 lacs per annum. The proof of income viz. Employment/Salary Certificate/
From 16/IT Return has to be obtained. In respect of agricultural income proof of land holdings (Xerox copy of
Record of Right/title Deeds/Partition Deed/any other documents evidencing title and extent of area of the
agricultural property) of irrigated/rain fed areas has to be obtained. There is no need for obtention of any
other document. The proof of identity and address of the guarantor has to be obtained as laid down in KYC
norms.
e) The recital is to be signed by the Branch Manager/other officials with his specimen signature number to the
effect that the set of documents brought in by the applicant have been executed in his/her presence. In case
the new entrant does not require a loan from the Bank then he/ she has to bring Draft for Rs.2,02,500/- along
with Form III and Form V (Savings Bank / online Registration forms duly completed) for issue of Bank Guarantee.
Execution of Form IV (DP note & DP note Delivery Letter) and the formalities relating to guarantor is not
required. You are requested to ensure completion of Form III as an application for guarantee only and Account
opening forms. Please affix your signature and seal for having verified his signature in SB account opening
form.
6. After due completion of all the above documents produced by the new entrant, please hand over the entire
set of documents in a sealed cover to the applicant to enable him to hand over to Satyam Computer
Services Ltd. authorities at the place of his reporting for onward transmission to S.B.I., Humayun Nagar
Branch, Hyderabad.
7. Your/other officials responsibility will be to the extent of the correctness of contents and completion of the
documents executed by the new entrant in your/his presence.
8. In the event of any practical difficulty faced in obtention and completion of the above stated document produced
by the applicant, your are requested to contact Branch Manager, S.B.I., Humayun Nagar Branch / PBB
Dilsukhnagar.
9. As a one time service provider a service charge of Rs.500/- will be be remitted to you by our Branch on receipt
of documents by us.
Yours Faithfully,
CHIEF MANAGER
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FORM-III
PERSONAL INFORMATION
A. Details of the Applicant :
Name
Residential Address :
Present :
Permanent :
Date of Birth
Sex
Education
Rate of Interest
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Declaration :
I/We declare that all the particulars and information given in the application form are true, correct
and complete and they shall form the basis of the Personal loan, the State Bank of India may
decide to grant me/us.
I/We undertake to inform the State Bank of India regarding change in my occupation / employment
and to provide any information that the Bank may require.
I/We authorized State Bank of India to issue a Bank Guarantee for Rs.2.00 lacs in favour of Satyam
Computer Services as required by them in connection with my assignment for a period of 24
months. I request you to release the personal loan and hold the loan amount in Term Deposit with
you as security for the bank guarantee to be issued by you in favour of Satyam Computer Services
on my behalf and in case of invocation of the guarantee, the deposit may be closed prematurely
and the proceeds utilized for paying the invoked guarantee amount.
I/We confirm that we are resident Indians and understand that the sanction of the loan is subject
to execution of documents as per Banks requirements. I/We agree that the Bank has the right to
make such enquiries about me/us as the Bank thinks fit.
Encloser :
2. Address proof of both Borrower / Guarantor evidences through Telephone Bill, Electricity Bill, Voter
ID, PAN Card, Passport etc.
3. Income proof of the Guarantor - Salary certificate, IT Returns, Bank Statements for atleast past 6
months.
4. For agricultural income proof of land holdings of irrigated/rain fed areas to be produced.
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FORM IV
On Demand I/We.....................................................................................................................
or order at the STATE BANK OF INDIA, Humayun Nagar Branch, (Mehdipatnam), Hyderabad.
the sum of Rupees ................................................................................................................
..............................................................................................................................................................
Place : .....................................
Dear Sir,
Please take delivery of the accompanying DEMAND PROMISSORY NOTE dated.......................
for Rs. .................................... (Rupees ......................................................................................
....................................................................................................................................................
made by ................................................................................................................... in favour of
State Bank of India, Humayun Nagar Branch, Hyderabad.
We further request you to note that we dispense with a notice of dishonour in terms of section 98 (a) of
the Negotiable Instruments Act. 1881, and that in the event of payment not being made on demand the
Bank is at liberty to give time for payment to either of us without discharging the other of us from
liability.
Yours faithfully,
__________________________
__________________________
C. O. S. 230-X
Code No. 4011-465 Signature of the Applicant & Guarantor
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State Bank of India
Personal Banking Unit,
Hyderabad Local Head Office,
Hyderabad - 500 095.
To
The General Manager
State Bank of India
Local Head Office,
ALL CIRCLES
Satyam Computer Services are recruiting fresh graduates in a large scale every year for their IT and
ITES activities. In IT industry the attrition rate is a little high when compared to other industries. In order
to curb this tendency Satyam Computer Services have planned to impose a security deposit of Rs.2 lacs
on all new entrants. Since many of the new entrants may not be in a position to meet this cash security
deposit, Satyam Computer Services requested our Bank to formulate a product to take care of the security
deposit needs of their new recruits.
2. Accordingly, we have devised a hybrid product combining Personal Loan and Bank Guarantee to the new
entrants of Satyam Computer Services. The scheme is expected to be put into operation by next week.
Under the new product, a personal loan of Rs.2 lacs will be sanctioned to the new entrant and the new
entrant has to bring in a minimum amount of Rs.10,000/- towards Bank Guarantee issueing charges and the
amount of Rs. 2 lacs will be held in Term Deposit. On the strength of this deposit a guarantee for Rs.2 lacs
will be issued to Satyam Computer Services for a period of 24 months on behalf of the new entrant. The P
loan will be repaid by the applicant in 24/36 EMIs By way of salary deduction or checkoff/ Post Dated
cheques as the case may be by way of salary deduction from the entrant by Satyam Computer Services. The
guarantee will be reversed on the expiry of period of 24 months as stipulated by Satyam Computer Services.
In case of attrition only the Personal Loan will be under exposure to the Bank which is being covered by a
personal grantee of a third party provided by the new entrant.
3. Since the new entrants to Satyam Computer Services are spread all over the country, we have planned
to facilitate execution of various documents connected with the hybrid product (Personal Loan cum Guaran-
tee) at a branch of our Bank situated close to the place of residence of new recruit/his parents/guarantor. As
per the arrangement devised, the designated branch - Humayun nagar for the above mention business, will
be forwarding all the set of documents as listed below directly to the new entrant who will approach the
Branch Manager of the Branch which is situated close to his place of residence:
4. This Kit Contains :
FROM I Letter from joinees to be completed, signed & duly attested by SBI Officials.
FROM II Instruction to our SBI Branches
FROM III Application for sanction of personal loan / issue of Bank guarantee.
FROM IV DP Note and DP note take delivery letter.
FROM V Instruction to Circle authorities
FROM VI Text of the consent clause by the borrower.
FROM VII Text of the consent clause by the Guarantor.
FROM VIII Specimen signature card
FROM IX Online SBI Registration form
FROM X SB A/c Opening form
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Page - 2
5. We are also addressing a letter signed by Chief Manager, Humayun Nagar Branch, Hyderabad to the branch
the name of which will be filled by the new entrant and submitted to the Branch Manager of that branch for
facilitating of filling up and execution of the above mentioned documents. The branch Manager will assist the
new entrant in completing the various documents in his presence and hand over the entire set of papers back
to the new entrant in a sealed cover who in turn will hand over to State Bank of India, drignated Branch
authorities at the place of his reporting to enable them to issue Bank Guarantee.
6. The Branch Manager concerned, before whom the documents will be executed will ensure the following:
(a) SB application form is completed as per KYC norms
(b) Obtain the guarantee of person whose income is Rs.2 lacs per annum after the verification of his address and
identity.
(c) Verification of the proof of income through Employment/Salary Certificate/Form 16/IT Return a copy of which
has to be obtained [In respect of agricultural income proof of land holdings (xerox copy of Record of Rights/
Title Deeds/Partition Deed/any other document evidencing title and extent of area of the agricultural property)
of irrigated/rain fed areas has to be obtained].
7. The responsibility of the Branch Manager/other official will be to the extent of the correctness of contents and
completion of the documents executed by the new entrant in his presence. The branch is eligible for a
processing fee of Rs.500/- which will be paid after receipt of the document duly executed by the new entrant
by the designated branch - Humayun Nagar, Hyderabad.
8. Satyam Computer Services have Six (6) centres where new entrants will be joining. In view of the vast
network and well spread out activities of Satyam Computer Services Ltd. we have devised the above arrangement
for execution of various documents by the new entrants.
9. In view of the above, we request you to advise all the branches under your control of the above arrangement
and extend necessary support/guidance to the new entrants of Satyam Computer Services Ltd. who may
approach your branches in this connection. In each set of paper sent to the new entrant we are also enclosing
a copy of the letter addressed to you for advance information to Branch Managers under your control regarding
the arrangement.
10. I request you to extent your whole hearted support.
Yours faithfully,
GENERAL MANAGER
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FORM VI
TEXT OF CONSENT CLAUSE
TO BE EXECUTED BY BORROWER/S
I/We understand that as a per-condition, relating to grant of the Loans/advances/ other non-fund-
based credit facilities to me/us, the STATE BANK OF INDIA, Humayun Nagar Branch, Hyderabad
requires my/our consent for the disclosure by the bank of, information and data relating to me/us, of
the credit facility availed of/to be availed, by me/us, obligations assumed/to be assumed, by me/us
in relation thereto and default, if any, committed by me/us, in discharge thereof.
2. Accordingly, I/We hereby agree and give consent for the disclosure by the STATE BANK OF
INDIA, Humayun Nagar Branch, Hyderabad of all or any such;
(b) the information or data relating to any credit facility availed of / to be availed, by me/us, and
as the STATE BANK OF INDIA, Humayun Nagar Branch, Hyderabad may deem appropriate and
necessary, to disclose and furnish to Credit Information Bureau (India) Ltd. And any other agency
authorized in this behalf by RBI.
3. I/We declare that the information and data furnished by me/us to the STATE BANK OF INDIA,
Humayun Nagar Branch, Hyderabad. are true and correct.
(a) the Credit Information Bureau (India) Ltd. And any other agency so authorized may use, process
the said information and data disclosed by the manner as deemed fit by them; and
(b) the Credit Information Bureau (India) Ltd. And any other agency so authorized may furnish for
consideration, the processed information and data or products thereof prepared by them, to
banks/financial institutions and other credit grantors or registered users, as may be specified by
the Reserve Bank in this behalf.
Date : BORROWER
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FORM VII
TEXT OF CONSENT CLAUSE
TO BE EXECUTED BY GUARANTORS
I/We understand that as a per-condition, relating to grant of the Loans/advances/ other non-fund-
based credit facilities to ..............................................................................................................
(name of the borrower/s) and furnishing of guarantee in relation thereto, the STATE BANK OF
INDIA, Humayun Nagar Branch, Hyderabad requires consent of the guarantor/s of the credit facility,
granted/to be granted, by the bank for disclosure of information and data relating to the guarantor/
s, any credit facility availed of by the guarantor/s, obligations as assumed by the guarantor/s, in
relation thereto and default, if any, committed, in discharge thereof.
2. Accordingly, I/We hereby agree and give consent for the disclosure by the STATE BANK OF
INDIA, Humayun Nagar Branch, Hyderabad of all or any such;
(b) the information or data relating to my/our obligations in any credit facility granted/to be granted
by the bank guaranteed by me/us as a guarantor; and
as the STATE BANK OF INDIA, Humayun Nagar Branch, Hyderabad may deem appropriate and
necessary, to disclose and furnish to Credit Information Bureau (India) Ltd. And any other agency
authorized in this behalf by RBI.
3. I/We declare that the information and data furnished by me/us to the STATE BANK OF INDIA,
Humayun Nagar Branch, Hyderabad are true and correct.
(a) the Credit Information Bureau (India) Ltd. And any other agency so authorized may use, process
the said information and data disclosed by the manner as deemed fit by them; and
(b) the Credit Information Bureau (India) Ltd. And any other agency so authorized may furnish for
consideration, the processed information and data or products thereof prepared by them, to
banks/financial institutions and other credit grantors or registered users, as may be specified by
the Reserve Bank in this behalf.
Date : GUARANTOR
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FORM VIII
(A)
Mode of Operation :-
For office use :
(B)
Signature Verified
Specimen Signatures
A. Signature Scanned
B.
Initials
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FORM IX
ONLINE SBI
REGISTRATION FORM
To,
The Branch Manager
State Bank of India,
Humayun Nagar Branch,
(Mehdipatnam), Hyderabad.
Address :
Phone :
E-mail :
Date of Birth :
I want to
Single/ Anail
My Account Number (s) Joint* Transaction
Accounts Rights
(Y/N)
I have received a sealed envelope containing the kit with the userId and password printed on it.
I have read the provisions contained in the Terms of Service document of Online SBI and accept them.
I agree that the transactions executed over Online SBI under my Username and password will be binding
on me
Rights on the Online SBI service wil be same as that in your account at the branch.
H
Note : Transaction right is necessary for you to use facility like railway ticket, bill payments for electricity,
phone etc.,
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