How to Obtain a Demand Draft from SBI Without a Cheque

SBI, the State Bank of India, offers a wide range of banking services to its customers, including the much-needed Demand Draft (DD). However, for those who do not have a cheque book, obtaining a DD can seem challenging. Fortunately, there are several alternative methods available to customers. This guide will walk you through how to obtain a DD from SBI without a cheque, covering cash options, Aadhar-based applications, and online net banking services.

1. Cash Application for Demand Draft

If you do not have a cheque book, you can still obtain a Demand Draft (DD) by applying in cash. Here’s what you need to know:

A. Importance of Aadhar Card

The Aadhar card is mandatory for the cash application of a DD. Aadhar is a unique identity number assigned to all Indian residents, providing a reliable form of identification. Possession of an Aadhar card ensures a smoother process and reduces the chances of errors.

B. Procedure for Cash DD

To apply for a DD in cash, follow these steps:

Go to any SBI branch.

Have all required documents ready, including your Aadhar card and any necessary account details.

Fill out the Demand Draft application form, specifying the amount you require.

The teller will verify your Aadhar card and other details.

If everything is in order, you will have to pay the amount in cash.

The SBI staff will then process your application and issue the DD.

Note that the cash application is limited to a maximum amount of INR 20,000. Beyond this limit, other methods of application will be required.

2. Online Application Using Net Banking

For a more convenient and time-saving method, SBI offers the option to apply for a Demand Draft online via net banking. This process is particularly suitable for individuals who have a net banking facility.

A. Prerequisites

To use the online application method, you must have:

Active SBI net banking. Access to a device with an internet connection, such as a computer or mobile phone.

B. Steps to Apply for DD via Net Banking

Here is a step-by-step guide to applying for a DD online:

Navigate to the e-services section.

Look for the option to apply for a Demand Draft. This can usually be found under the 'Payment Solutions' or 'Other Services' tab.

Select the type of DD you require (Domestic or Foreign).

Follow the prompts to fill out the application form, specifying the recipient's details, amount, and other relevant information.

Once you have completed the form, proceed to make the payment for the DD.

After the payment is confirmed, you will receive a digital copy of the DD.

You can collect the physical DD from the nearest SBI branch or, in some cases, have it delivered to your home address.

3. Benefits of Using SBI Net Banking for DD

Using SBI net banking for a Demand Draft application offers several benefits:

Convenience: You can apply for a DD from anywhere, at any time, as long as you have an internet connection.

Speed: The process is faster and more efficient compared to visiting the branch in person.

Security: Net banking is generally secure, provided you follow proper security measures.

Electronic Copy: A digital copy of the DD can be saved or printed, avoiding the hassle of losing a physical copy.

Conclusion

Obtaining a Demand Draft from SBI without a cheque is easier than one might think. Whether you choose to apply in cash or via net banking, ensure that you have all the necessary documents and follow the appropriate steps. Whether you are making a small payment or a large transaction, a Demand Draft from SBI is a reliable and secure choice.

Additional Resources

For more information on Demand Drafts and other banking services, visit the State Bank of India (SBI) official website. You can also contact your nearest SBI branch for personalized assistance.