The Chief General Manager of State Bank of India Chennai Circle Ramesh Babu has said that the bank would waiver the penalty for late payments of EMI for November and December for home,car and personal loans for people living in flood affected areas. Addressing the media persons at Chennai today, he said that the Bank would waive the processing fee for home top up loans, gold loans, personal and pension loans to its customers. He also told that the Bank would be given an alternate card for those who have lost their debit and credit cards if they approach the concerned bank branch. To another query on agricultural loans and loans for SMEs, he said that a survey was taken in the flood affected areas to sort out the problem.SBI has also considered salary advance loans for three months salary, waiver of charges for issue of replacement of cards and extension of special soft loans for car repairs upto 10% of the original car loan.