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First, create a nickname for your name & give your DPID-CLIENT ID details, in the onlinesbi.com E-services--Demat & ASBA services--IPO(debt) section.
Then you should have sufficient money in your SB a/c of the SBI. Then goto e-services--Demat & ASBA services--IPO(debt)--Apply IPO--Accept. That's all. Then you have to select the debt(IPO), which you want to apply for it. Meanwhile,
Then on the onlinesbi.com(as told above), enter the nickname, series no. of the given NCD, how many nos. you want to apply etc. etc. That's it. The corresponding amount will be blocked from your a/c. On the date of allotment of the NCD, the money will be released and NCDs will be credited to your demat a/c. Thanks.