“PDC/ECS/SI of Rs *** on a/c *** is due on 30102012.” – See How India’s Largest Bank Fails Technically!

State Bank of India Logo FailImagine that one fine morning, out of the blue you receive an SMS from your bank saying few thousands of Rupees are due on your account; even though you have nothing to do with the due amount. Probably you would call customer care or may rush to the bank asking for clarifications. There it gets even more ugly as none of the executives knows about that message and tells you to ignore it. How would you feel? Weird, I suppose. This has happened with me and plenty of other customers who holds Loan Account with State Bank of India – India’s Largest Banking and Financial Services company. If you doubt my claim, search Google with the text mentioned in the title and it would fetch plenty of such State Bank of India complaints.

The content of the SMS was,

“PDC/ECS/SI of Rs *** on a/c *** is due on 30102012. Please ignore, if already paid.”

After lot of efforts I failed to find the reason for the cause of the SMS and decided to wait till the due date to check whether my account gets debited or not. But nothing happened! That message was just a hoax. May be it had some meaning but no one in the Bank had knowledge about it. Worst, none of the executives showed interest to find out the cause. They were like, ‘Let it be man! Nothing will happen.’ Pity on you bankers. This was not the end yet, exact one month later, I got the same SMS again. I smiled and decided to write an article to expose such technical glitches at SBI. Below is the screen shot of my Inbox,

SBI Hoax SMS

See, I am not against SBI. In fact SBI is one of the most trusted bank in India. It is Fortune Global 500 company and according to Forbes, it is 29th most reputed company in the Globe. The only problem with them is, its employees do not seem proactive.

This incident reminds me of similar event which happened in 2010 with my ex-employer, one of the largest Banks in Europe. A programmer run one batch program in production environment by mistake and as a result a random Email was sent to many customers in particular region. In no time, the severe escalation happened. This mistake was highlighted in town-halls and every employee was told to be more careful while dealing with production environment.

Coming back to SBI, the problem what seems to me is, some dead-wrong and not thoroughly tested code. Anyway whatever the reason is, I hope some SBI employee goes extra mile and stops this in future.

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26 Comments

  1. Govind

    12.26.2012

    This must be some technical problem. I too have an account in SBI but I didn’t recieve any such message. So, is this problem solved or still you are recieve such messages.

  2. Karthik

    12.28.2012

    I have got a similar message on my number today. Guess the glitch still rocks SBI :P

  3. Gaurang Patel

    01.05.2013

    @Govind
    I still receive such messages from SBI. It hasn’t stopped.
    @Karthik
    Yes, there are plenty of people like us. Actually I have seen in few forums that this problem is prevalent since 2010. Not sure when it is going to stop! Enjoy banking with SBI.. :)

  4. raimax toppo

    02.25.2013

    I received this message on 25.02.2013. I don’t know what to do with this as no satisfactory reply has come to me from my branch of SBI….

  5. Prathap

    02.26.2013

    I too got it today and was worried till I saw this page. Thanks

  6. Piyu

    10.30.2013

    Thank you sir,
    i was worried last night, but after reading this page become happy.
    Thanks Thanks Thanks.

  7. MAHESHINDER

    11.10.2013

    I ALSO GOT SAME MASSAGE N GOT CONFUSED,this is just an example but state bank of patiala is creating lot of problems to customers.

  8. Lalit

    11.19.2013

    Strange that i received this message from SBBJ today on my home loan account… It was only when i saw this thread, I was a little relaxed.

  9. Ashis

    12.03.2013

    i received this message from SBI today morning on my loan account and was worried till I saw this page. Thanks

  10. Ganesh

    12.03.2013

    I too received same message today. There is no point in blaming the employees at the branch level. SBIs IT dept should circulate a warning and try to fix this problem. However i am still concerned about this message.

  11. J.L.BENIWAL

    12.04.2013

    I also got same message and got confused..

  12. Nitish Pandit

    12.05.2013

    You are right. Exactly the same SMS was received by me. To know the meaning of PDC/ECS/Si I was browsing net and was relieved to find your narration. SBI must do something about it.

  13. Karthick

    12.13.2013

    I received the same SMS today. I i didn’t find this article i would be freaked out by now. Thanks for your favor.

    Not only SBI any govt offices in TN no not care about customers. They will not give any suggestions or any prompt answers. They are doing what they are said and customer satisfaction is not on their list. Never Change :) . Cool!

  14. Amardesh

    12.21.2013

    I received this silly message yesterday. I was worried till I saw this link.And thanks, I was relieved. I suppose its bank’s way of keeping its loanees on their toes. BAD MANAGEMENT .

  15. VIKRANT

    12.23.2013

    FRIENDS.. I GOT THIS SMS IN BY BIRTHDAY.. SI I MAY SOME WEBSITE ERROR WHICH SEND SUCH PDC SMS INSTEAD OF BIRTHDAY WISHES.. DO CHECK & REPLY…

  16. Naresh

    12.25.2013

    I got SMS on 25th December 2013,
    PDC/ECS/SI of RS 9575.00 on a/c XXXXX876840 is due on 30122013. Please ignore, if already paid.

    This is my Education Loan account.

  17. Rahul

    12.25.2013

    I got it on 25-Dec-2013 as Christmas gift :) last time i got on 26-May-2011.

  18. sahul

    12.26.2013

    Yes. I also got the same message and your article helped me to ignore this message. Thank you

  19. khagen lahkar

    12.26.2013

    I have also got the same mail and I am confused

  20. Govind Joshi

    12.26.2013

    PDC/ECS/SI are banking terminologies used when one is obligated to a bank after having taken a loan for a purpose, either a personal or a housing loan. Hence PDC refers to `Post Dated Cheque`, while ECS refers to `Electronic Clearing System` and SI refers to `Standing Instructions`. You have therefore received a message from the bank reminding you or notifying you that a payment is due but in case this has already been paid then you might as well ignore this message. These are pre-formatted messages sent your registered mobile number during the process of loan. There is nothing that you might have to worry about as long as your dues are paid timely.

  21. Pankaj Kumar

    12.26.2013

    Today i.e. 26/12/2013, I have received one SMS from BX-CBSSBI on my car loan account stating that Rs.14361/– is due on 31/12/2013. What can i do to get rid off this problem.

  22. sunil tadwal

    12.26.2013

    i also received the same SMS today …..SBI????? it is a big question mark….

  23. NITIN KUMAR

    12.26.2013

    Today i also got the same message when i was in office and got frightened as such amount was showed due and without any such liability on my part but this blog has somewhat relieved me till next day as tomorrow i have to visit my branch. Thank you.

  24. seshu

    12.26.2013

    i received..a msg from sbi mahabubnagar. ap.branch
    ” PDC/ECS/SI of Rs 00000.00 on a/c XXXXXXXXXXX is due on 31122013.Please ignore,if already paid…”
    i relieved after reading this artical…

    thanks…

  25. Gaurav

    12.26.2013

    And i got it on my Car loan account today. SBI has outsourced its IT to Bunch of Fools it seems that is causing such a blunder.

  26. Arunkrishnan

    02.28.2014

    2014, the bug still there in their system. Got a message today.

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