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As an electronic settlement, it ensures transfer of funds from one account of a bank to that of another bank on a real-time and on gross basis. Here real-time refers transactions that do not need any waiting period. Transactions are settled as soon as they are executed.


Bangladesh Automated Cheque Processing System (BACPS) and Bangladesh Electronic Funds Transfer Network (BEFTN) are designed to automate cheque clearing to speed up the processing and reduce risks as well as provide a medium for paper-less interbank payments.

Fund transfer through ATM

ATMs provide a couple of facilities and services to the customers. One of them is to transfer money from one bank account to another using your debit/ATM card. Money transfers through ATMs can be helpful in urgent situations.

Fund transfer from INB

With internet banking, customers can transfer funds between bank accounts without having to visit the bank. The transaction can be made through the BEFTN facilities between banks. Net banking offers a 'Fund Transfer' option, for quickly transferring funds to third-party beneficiaries within the bank.

Mortgage Loan

1. Credit Customer may default in repaying the loan A minimum upfront margin of 30% is being maintained. The House/ flat financed out of Bank finance is registered mortgaged in favour of SBI with the respective sub-registrar office. In case of default the House can be seized and auctioned for recovery.
2. Interest Rate Interest rate fluctuations Floating Interest rates linked with prime lending rates. In case of fixed interest rate margin over PLR is kept high and as such the NIM is high ab initio.