If u r the sbi bank coustmer then u defines knows the problem of money tranfer rule .i want to say that if a person want to transfer a money to the other sbi ac holder from other branch of sbi not from home BRANCH where ac belongs to then u can able to tranfer that money to that ac until or unless if u r a coustmer of sbi .if u have the on ur account then u can tranfer throgh the bank through atm card.if u r not a sbi ac holder then it is a big problem and time taking processing work.due to this I problem I reallly hate this bank.otherwise other services are good like net banking and other things