SBICRM Gurgaon - Strategic Training Unit
STATE BANK ACADEMY, GURUGRAM


STATE BANK ACADEMY, GURUGRAM
About Us
State Bank Academy is an ISO 9001:2015 certified Institute, established in the year 1982 for imparting specialized training in Credit, International Banking, Risk & Compliance and carrying out Research & Development in various spheres of banking.
SBA designs training programmes as per the window of need identified by own business units as well as external organisations. The clientele spans several sectors and organisations including various Central & Regional Government agencies, Domestic & International Banks and Corporates. Some of our prominent clients are Bank of Bhutan, SBI Nepal Bank, Andhra Bank, Syndicate Bank, Allahabad Bank, Indian Bank, Power Finance Corporation of India Limited, Freight Corridor Corporation of India Limited and Punjab & Sindh Bank. These organisations trust SBA for upskilling of their workforce in this ever changing and challenging environment.
SBA also hosts high-powered workshops & conclaves like “Nurturing MSMEs for Five Trillion Economy” for representatives from GOI, CII, and SIDBI. It is a key resource centre for organisations like FEDAI & CII. The institute also hosted “Gyan Sangam” and “PSB Manthan” - flagship workshops conducted by Department of Financial Services (Min of Fin) in 2016 & 2017, wherein Finance Minister of GOI and CEOs of all the Public-Sector Bank participated.
The Institute has an IGBC Green Building “Platinum” Certified campus across a sprawling landscape of 11 acres; it has a library, IT lab, conference halls, an auditorium with 300 seating capacity, Heritage gallery and an open-air theatre. The institute has also been awarded 4-star rating for energy efficiency in composite climate zone by Bureau of Energy Efficiency (BEE).

Shri Govind Singh Rawat,(General Manager & Director, SBA)
Shri Govind Singh Rawat is General Manager and Director at State Bank Academy an ISO 9001:2015 Certified, an Institute specialized in imparting training in Credit, International Banking, Risk & Compliance and carrying out Research & Development in various spheres of banking.
Sh. Rawat possesses rich and diverse experience of various facets of banking of more than three decades in State Bank of India. He has successfully handled assignments in various domains like Rural, Retail, HR, Credit & training system in various capacities including an assignment of General Manager Network.
Senior Faculty :
Arbind Kumar Bhatt is Graduate with Psychology. He joined SBI in 1995. He is a seasoned banker having rich experience of operations, International banking, Retail Credit and Trade.
Shri Naresh Kumar Kapur, a 1990 batch Probationer, did his Masters in Physics (I). In his more than three decades of service in the Bank, Shri Kapur has extensive experience of various domains of Banking like Banking Operations, Credit, Stressed Assets Management, and Human Resources. He has held key positions like Regional Manager at SBI for several years. Prior to joining SBA, Shri Kapur held the position of Executive Vice President & Chief People Officer (HR head) with SBI Cards & Payment Services Ltd.
Shri Subodh Kumar did his Masters in Geology and joined SBI as Probationary Officer in 1987. He is a Certified Associate of Indian Institute of Bankers and has obtained a Diploma in Treasury, Investment and Risk Management from IIBF. He has more than sixteen years of experience in Credit in various capacities of which three years as faculty in Credit and International Banking. Shri Kumar also had a stint of five years in Paris, France as Chief Executive Officer.
Faculty - ( Credit )
Dr. Arora holds a Ph.D. in finance from L.M. Thapar School of Management (LMTSM), Thapar Institute of Engineering and Technology, (Punjab), India. He has more than 15 years of industry and academic experience. He has many research papers to his credit which have been accepted in international journals of repute. His research has been accepted and presented in various national and international conferences as well. Dr. Arora’s research interests include banking, corporate finance, and stock markets.
Gulshan Sachdeva is a Graduate from Kurukshetra University and CAIIB. Sh. Sachdeva joined the bank in 1991. He has rich experience of handling portfolios in Corporate and Retail Credit at various corporate branches of SBI. He was also closely associated with SME Business unit at apex level.
Sudip Kaviraj is a graduate in Science from Burdwan University, CAIIB and a Cost Accountant (ICWAI). He joined the bank in 1995 and carries a rich experience in Banking operations, Retail, Corporate Credit and Managing of stressed assets.
Bharat Ahuja is a Commerce graduate, and a CAIIB. He has exposure of more than 25 years with various assignments in SBI, primarily in credit (finance). His areas of expertise are corporate & SME credit. He also has a stint at SBICaps where he worked in capital market domain.
Rajeev Agrawal is a Commerce Graduate, CAIIB and Moody’s CICC Certified professional. Mr Agrawal has been serving SBI since 1988 and held various assignments in areas of Operation & Credit (Corporate & Retail). He is also a regular contributor in various in-house and external publications including ‘The Indian Bankers’.
Rajiv Prasad Keshri, is Commerce Graduate, MBA (Marketing and Finance), CAIIB, and Moody’s CICC certified professional. He is having rich experience of more than 15 years in Banking Operation and Retail Credit especially in SME business at various territories.
Sumesh Kumar Joon is a Graduate from Delhi University, CAIIB and Moody’s CICC certified professional. He joined the bank in 2002 and has gained expertise in variety of domains e.g. banking operations, Retail credit and SME.
Neeraj Yadav is an Engineering Graduate and has been serving in SBI since 2005. He has worked for more than Nine years in Credit Assignments including a stint as Asstt. Vice President (Credit) in Tokyo.
Shri Abhishek is Computer Science Engineer from College of Engineering Roorkee, MBA (Finance & IT) from IIT Roorkee, CAIIB,ACAMS and Moody’s CICC certified professional. He has more than 11 years of experience in Credit and Operations including a stint of 3 years in Osaka, Japan as AVP Credit.
Shri Alok Sriwastav, Assistant General Manager joined State Bank of India as a PO in 2000. He is a Graduate and has also done Post Graduation Diploma in Business Administration in Finance from Symbiosis ,Pune, CAIIB, PGDFA. He is a certificate holder of various courses (viz. Certificate in AML-KYC, Certificate in Small and Medium Enterprises in India, Certificate in Microfinance, Certificate in Trade Finance , Certificate in Customer Service & banking Codes and standards, Certificates of CIF, NSDL(Depository Module), NISM).
He has a rich experience in Credit. He has worked in various roles and capacities in high value credit area for more than ten years. He has exposure of two CCG branches. He was a Relationship Manager in CB, Raipur and Credit Analyst in CB, Indore. He has also worked as a Team Leader in CPC in CB, Indore. He posses exposure of a Branch Head of an SME intensive branch and also served as AGM( SMECC) at Bhopal. He has also worked in SARG, Corporate Centre ,Mumbai.
He joined the SBICRM in July’21 as a faculty (credit).
Shri Umamahesh Viswanadam, Chief Manager (Faculty) IB is B.Sc., CAIIB, FRM and joined bank in year 2000. He is a Trainee Officer of 2006 Batch. He worked as Divisional head (P Segment) and then Branch head of Personal Segment, SME and Agriculture intensive branches. He was selected as Dealer in 2009 and worked at Global Markets, Mumbai (RTMU Bengaluru) for a period of 3 years and worked as Dealer at SBI Canada for 4 years. He is having rich experience in Exchange Rate Mechanism, Forward Contracts and Derivatives, Risk Management and Assessment of CEL limit. He joined as Chief Manager (Faculty), IB at SBICRM in July 2021.
Faculty ( International Banking & Stressed Assets Resolutions )
Shri Mahapatra is a postgraduate with CAIIB. He joined the bank in 1987 and has served at various positions in SBI including a stint at Tokyo branch, Japan. His area of specialisation is International banking.
Seema Srivastava is a postgraduate in Business Economics, Graduate in Physics and a CAIIB. She joined the bank in 1998 and since then she has served in various assignments in the bank covering International Banking, SME credit, and Retail Banking.
Faculty - Compliance & Risk Management
Shri Ajay Chandra Pandey an MA, CAIIB, ACAMS and a Moody Certified CIC professional. He joined SBI in 1991. He has been holding important assignments in Merchant Banking, Forex, Credit, ALM Risk Management and Treasury.
Shri Baljor Datt Gaur is B.Sc. and CAIIB. He has been serving SBI since 1995. He has a vast experience in the field of Banking operations, International Banking and SME credit. He was also a team leader for a project on development of “C-cube”, a software used in SBI for calculation of Risk Weighted Assets. He is an expert trainer of Customer Service, BCSBI, COPRA, RTI, BASEL norms.
Shri Dev Kumar Malik is a Graduate in Commerce, BA (Hindi Literature), Master in English Literature, CAIIB, and a Moody's CICC certified professional. He has extensive experience of 34 years in Operations, Retail and SME Advances. His areas of expertise are KYC, AML-CFT, Audit, Operational Risk & Cyber Frauds.
Smt. Usha Yadav is BA, LLB, CAIIB and Moody's CICC certified professional. She joined SBI in 1994. She has gained rich experience in General Banking, Business Operations, Retail Credit, IT and Risk Management (ORM & Basel Desk). She is an expert in the area of Compliance, ORM, KYC/ AML CFT, Internal Audit, banking Frauds and Cyber Security.
Shri Pawan Kumar is a BA-Eco (Hons), CAIIB, PGDFA & MBA (Finance). He joined the Bank in 2002. He has expertise in SME Credit and Retail Banking. He is handling sessions in the area of Credit Risk and Compliance for last 4 years.
Shri Hari Kishan Panda is an MBA (Finance), CAIIB and Postgraduate in Public Admin. He has more than 15 years of experience in Retail, SME and Branch Operations. His areas of expertise are Compliance and Risk Management.
Research Officers
Shri Divya Kumar Agrawal is an MBA, LL.B., B.COM., CAIIB and a NET qualifier. He is a Moody’s certified CIC and COCP Advance L1 professional. He holds Diploma in Law of Corporate Mergers & acquisition. He is also a Certified Derivative and Equity dealer. He has gained significant experience in Corporate and SME Credit, NPA management, Stock Market, Derivatives and Regulatory Compliances. Prior to joining SBI, he has worked with ICICI Securities Ltd and NSDL.
Sh. Manish Yadav has Post Graduate Diploma in Management (PGDM) from Indian Institute of Management- Lucknow (IIM Lucknow). He is also Chartered Financial Analyst (CFA) - Level 3. He has more than 7 years of experience in banking in Branch Operations, Credit, and Financial Inclusion etc. He is an avid reader, blogger, programmer and likes to write his thoughts on topics of current interest.
Sh. Arun Kumar Bhardwaj is a B.Sc., B.Ed., CAIIB and Moody's Certified CIC professional. He has the experience of working in General Banking, Retail Credit, Agriculture Credit and SME Credit.
Shri Kamal Singh is a Postgraduate in Sciences with CAIIB, B.Ed., and M.Phil. He has rich experience in Credit, Forex and branch operations.
Shri Jatin Khanduja is an Engineering Graduate, MBA and CFA (Level 2). He has15 years of experience in Credit and Retail banking.
Shri Suraj Kumar Shoundik is a B.Sc., MBA, CAIIB and a Moody certified CIC professional. He has more than 9 years of experience Retail banking, SME credit and Branch Operations.
Courses Offered
Sl No | Course Name |
---|---|
1 | Program on Credit Management |
2 | Program on analysis of Financial Statements |
3 | Program on Credit Appraisal and Analysis |
4 | Program on International Banking – SWIFT / UCP 600 |
5 | Program on FEMA / FEDAI Guidelines |
6 | Program on Treasury Operations & Products |
7 | Program on Credit Risk Management |
8 | Program on Operational Risk Management |
9 | Program on Regulatory Compliance on Risk |
10 | Certificate Program on SME Credit |
11 | Certificate Program on Advance Credit |
12 | Program on Frauds and Cyber Security |
13 | Balance sheet analysis of credit proposals |
14 | Program on credit appraisal for other banks |
15 | Program on restructuring of SME accounts |
16 | Fire Officers Conference |
17 | Training Program for Credit Auditors |
Month | Program Code | Title | Duration | From | To | Program Coordinator |
---|---|---|---|---|---|---|
Apr | Live Webinar | Post Sanction : (Do lenders need to tighten scrutiny of “END USE” of funds?) | 1 day | 04.04.2022 | 04.04.2022 | Sh Gulshan Sachdeva |
Apr | Live Webinar | CARO 2016/2020 (An insight to company’s Auditors report order) | 1 day | 08.04.2022 | 08.04.2022 | Sh Rajeev Agrawal |
Apr | Web Series | An Advanced Guide to Corporate Underwriting | 4 days | 18.04.2022 | 21.04.2022 | Sh Rajiv Keshri |
Apr | Flagship Program | Program on Stressed Asset Management, restructuring and Insolvency and bankruptcy Codes | 5 days | 25.04.2022 | 29.04.2022 | Sh Sudip Kaviraj |
Apr | Flagship Program | Risk Management for Bank officials | 3 days | 11.04.2022 | 13.04.2022 | Sh. Pawan Kumar |
Apr | Live Webinar | Program on KYC/AML/CFT | 2 days | 25.04.2022 | 26.04.2022 | Sh. Dev Kumar Malik |
Apr | Webinar | Essentials of International Banking | 3 days | 11.04.2022 | 13.04.2022 | Sri Umamahesh V |
Apr | Webinar | An Insight into Foreign Borrowings & Investments | 3 days | 18.04.2022 | 20.04.2022 | Smt Seema Srivastava |
Apr | Webinar | Keystone Program on ICC Publications | 3 days | 25.04.2022 | 27.04.2022 | Sri Saroj KAP Mohapatra |
May | Live Webinar | CARO 2016/2020 (An insight to company’s Auditors report order) | 1 day | 09.05.2022 | 09.05.2022 | Sh Rajeev Agrawal |
May | Web Series | An Advanced Guide to Corporate Underwriting | 4 days | 16.05.2022 | 19.05.2022 | Sh Rajiv Keshri |
May | Flagship Program | Program on Stressed Asset Management, restructuring and Insolvency and bankruptcy Codes | 5 days | 23.05.2022 | 27.05.2022 | Sh Sudip Kaviraj |
May | Live Webinar | Fraud Management & Cyber Security | 2 days | 09.05.2022 | 09.05.2022 | Sh. Harikrishna Panda |
May | Flagship Program | Program on Compliance for Bank Officials | 4 days | 23.05.2022 | 26.05.2022 | Sh. B.D.Gaur |
May | Webinar | Essentials of International Banking | 3 days | 09.05.2022 | 11.05.2022 | Sri Umamahesh V |
May | Webinar | An Insight into Foreign Borrowings & Investments | 3 days | 17.05.2022 | 19.05.2022 | Smt Seema Srivastava |
May | Webinar | Keystone Program on ICC Publications | 3 days | 23.05.2022 | 25.05.2022 | Sri Saroj KAP Mohapatra |
Jun | Live Webinar | Post Sanction : (Do lenders need to tighten scrutiny of “END USE” of funds?) | 1 day | 05.06.2022 | 05.06.2022 | Sh Gulshan Sachdeva |
Jun | Live Webinar | Post Sanction : (Do lenders need to tighten scrutiny of “END USE” of funds?) | 1 day | 06.06.2022 | 06.06.2022 | Sh Gulshan Sachdeva |
Jun | Live Webinar | CARO 2016/2020 (An insight to company’s Auditors report order) | 1 day | 08.06.2022 | 08.06.2022 | Sh Rajeev Agrawal |
Jun | Web Series | An Advanced Guide to Corporate Underwriting | 4 days | 13.06.2022 | 16.06.2022 | Sh Rajiv Keshri |
Jun | Flagship Program | Program on Stressed Asset Management, restructuring and Insolvency and bankruptcy Codes | 5 days | 20.06.2022 | 24.06.2022 | Sh Sudip Kaviraj |
Jun | Flagship Program | Risk Management for Bank officials | 3 days | 06.06.2022 | 08.06.2022 | Sh. A.C..Pandey |
Jun | Live Webinar | Operational Risk Management | 2 days | 20.06.2022 | 21.06.2022 | Smt. Usha Yadav |
Jun | Webinar | Essentials of International Banking | 3 days | 06.06.2022 | 08.06.2022 | Sri Umamahesh V |
Jun | Webinar | An Insight into Foreign Borrowings & Investments | 3 days | 13.06.2022 | 15.06.2022 | Smt Seema Srivastava |
Jun | Webinar | Keystone Program on ICC Publications | 3 days | 20.06.2022 | 22.06.2022 | Sri Saroj KAP Mohapatra |
Nomination
Please send attached nomination form through mail to sba@sbi.co.in with all details (Nomination Form)
Modes of Payment
- Through NEFT / RTGS to our account:
Beneficiary Name : State Bank Academy
Account No. : 30043175365
Bank / Branch : State Bank of India, Dundahera
IFSC Code: SBIN0003190
(Please note UTR No. for nomination form)
Contact Us
Email ID : sba@sbi.co.in
Contact No. : AGM (Admin) 9971508400
CM (ITSS) 7840012098
Email ID : cmadmin.sba@sbi.co.in
Contact No. : AGM (Admin) 9971508400
Address :-
Plot No 77, Sector 18, Institutional Area,
Gurugram-122015 ,
Email: director.sba@sbi.co.in
Contact No. : +91 124 4012731, 4012740
Google Map :
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Participant’s Voice
- "I have learned more much about the analysis of financial statement and assessment of fund based working capital well as various credit risk management."
- "An excellent summarized information provided by the well experienced faculty, I have learned about financial statement analysis, credit appraisal, and assessment of FB and NFB facilities."
- "Program extremely helpful and informative for me. Training material were well organized and provide good case studies. Instructor was very professional and pleasant to learn from."
- "Detailed discussion about UCP and how to handle documents under LC and real life case studies were also discussed. All these will certainly help us in discharging our duties as a forex officer"
- "Interactive sessions and case studies made it easy to understand basic points of forex transactions mainly under LC & AML session quite good, ready reckoner for handling export import documents."
- "Discussions of various case study has cleared many doubts. A wonderful session. The only drawback is that the tenure was not sufficient"
- "1)interactive sessions on important topics of forex 2)learned alot from case study session 3)program covered all important topics of IB"
- "Programme on the audit, RCSA and operational risk along with the ppt is presented nicely. Understood the subject contents and would be a great useful."
- "got an idea of risk management, quantitative method. Looking forward to attend more such program for better understanding."
- "how to create lead, also understand tips for retain a customer. Also, understand about lead translation."
- "training programme was very informative and useful and learnt new things while assessment of the proposal. Became aware about restructuring and proceedings to be initiated after the account becomes NPA"
- "practical approach of the subject by case studies, more practical knowledge and experiences helped me realize where i was wrong."
- "The programme covered many subjects which were not familiar. The sessions were interactive. Covered a wide area of relationship banking & credit marketing. All the sessions were useful."
- "highly informed of credit marketing, communication, monitoring of accounts along with stressed asset management and risk management."
- "Training program was designed perfectly matching the participant’s requirement. Faculty are knowledgeable and replied to each and every query raised. It was a beneficial program for everyone."

Interest Rates
2.70% p.a.
Upto 1 lakh(w.e.f. 31.05.2020)
2.70% p.a.
Above 1 lakh (w.e.f. 31.05.2020)
2.70% p.a.
Upto 1 lakh (w.e.f. 31.05.2020)
2.70% p.a.
Above 1 lakh (w.e.f. 31.05.2020)
5.45%
3 years to less than 5 year
5.50%
5 years to less than 10 years
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Criteria
- Features
- Eligibility
- Terms and Conditions

Interest Rates
2.70% p.a.
Upto 1 lakh(w.e.f. 31.05.2020)
2.70% p.a.
Above 1 lakh (w.e.f. 31.05.2020)
2.70% p.a.
Upto 1 lakh (w.e.f. 31.05.2020)
2.70% p.a.
Above 1 lakh (w.e.f. 31.05.2020)
5.45%
3 years to less than 5 year
5.50%
5 years to less than 10 years