State Bank of India on Tuesday launched Tablet (Tab) Banking service for opening Savings Bank accounts and giving in-principle housing loan approval at the customer’s doorstep.

India’s largest bank also launched e-KYC (Know your Customer) service. The three digital banking services will be rolled out across the SBI network in a phased manner.

Under Tab Banking, the bank’s sales staff will visit the customers at their home and using the tablets get complete formalities for account opening like details of KYC and photographs of applicant.

The account opening details will be loaded on the CBS (core banking solution) platform and the account number will be sent to the customer through SMS/e-mail. This will provide convenience and time saving to the customer for opening accounts with SBI.

When it comes to home loans, the Home Loan Sales Team will visit the applicant and capture on the tablet KYC details, information on the income and deductions and details of the proposed property purchase (House/Flat), the bank said in a statement.

Based on the income data furnished and cost of the project, the applicant will be advised on the approximate housing loan amount eligible and the EMI amount.

The applicant will get in principle approval for the proposed Housing Loan through email. The actual loan will be processed subsequently subject to usual formalities.

Under the e-KYC facility, e-KYC certificate is generated as an identity document. Fingerprints of the customer are captured and sent to UIDAI (Unique Identification Authority of India) for authentication of identity and address proof.

On successful verification from UIDAI, the e-KYC service will respond to display demographic details like [Name, year/date of birth, Gender, Address, Phone, email (if available)] and photograph.

The e-KYC facility also has a provision to print and issue an e-KYC certificate which is embossed with Quick Response (QR) Code to avoid duplicate printing of the certificate by third party. The certificate will be used to open an account subject to satisfying other account opening requirements.