SBI State Bank freedoM Mobile Banking Using SMS for non-Java, non-GPRS Phones

The mobile banking service of the State Bank India, State Bank freedoM can now be availed of on non-Java and non-GPRS mobile phones as well. Till recently, the service was available only on launched in March 2009 on a pilot basis in all branches of the bank, offering its retail customers an alternative channel for a ‘secured Anytime Anywhere Banking experience‘.

Registration for the service, which is offered free by the bank, can be done at ATMs and customers holding debit cards can register for the facilities without visiting any branch. The customers will be charged by their telecom operators for the use of SMS/GPRS.

The service offers transfer of funds, viewing of the balance, and mini-statements of the customers’ accounts, payment of bills, request for cheque book, recharge of prepaid mobile connections, viewing of demat account details, top-up of Tata Sky/other direct-to-home services, and conduct of m-commerce transactions.


The service is available over all modes: application based, over Wireless Application Protocol (WAP), and over USSD (Unstructured Supplementary Service Data). The USSD-based service has been launched recently on five telecom operators Vodafone, Airtel, Aircel, Tata Docomo and Idea. This service can be used over low-cost mobile handsets with limited sets of offerings within a daily financial limit of Rs1,000. The limit is Rs50,000 for application- and WAP-based services.

‘State Bank freedoM’ also allows the user to continue with the service without disruption if the user has changed the mobile number by offering the option to change the mobile number through the system without visiting any branch.

The bank is looking forward to include purchase of air/rail/movie tickets through the application of ‘ngpay’ among others. SBI is also planning to launch a ‘mobile wallet‘ shortly, based on the policy approved by its board.


  1. sir,i have download sbi freedom software in my nokia x2-02 handset and i have registered my phone number,user id and mpin at my home sbi branch but till nw i could not access the service. 72 hours has been over but till now my sbi freedom is not activited,plz help me out sir.

  2. i have nokia3500 classic ,i got sbi jar file but cant access mobile banking due to packet data connection failure.

  3. i am using sbi mobile banking over micomax q5 but it does not work over gprs message shown as your device is not enabled and not connected kindly solve my problem

  4. Dear sir,
    I have apple iphone3gs but I can,t download Sbi freedaM mobile bank application from website and also can,t get in itunestore so please take useful steps to get Sbi mobile banking application in iTunes store

  5. Dear Sir / Madam,

    I am using iPhone 3GS mobile. I could not find any SBI freedom application in AppStore. Please develop the same application for iPhone also.

    Venugopal L

  6. Hi,

    Respected Sir,

    I required BSNL, Electricity, LIC ragistration code and ragister biller for Vadodara, waghodia road (Panigate branch).

    Thanks & Regards,


  7. I had sbi mobile banking application in my old sony erricson w200i mobile which works without any problem. after changing new mobile nokia 7210 supernova there is no installation problem, but i am not able change the channel from SMS to GPRS. It always showing “Unable to establish connection with server – Please try again later”. Please help me.

  8. please explain in detail as to how mobile banking services can be availed in low cost hand sets without blud tooth/jawa/gprs facilties. Please explain in detail the registration process and application down loading procedure.

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