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.

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