As per the SBI Recruitment Notification 2013 You have to be a Graduate as on 1.1.2013 i.e., you should have COMPLETED your graduation before 1st of January 2013
The Eligibility Criteria is reproduced here:
Eligibility Criteria : (AS ON 01.01.2013)
(A) Essential Academic Qualifications:
Graduation in any discipline from a recognised University or any equivalent qualification recognized as such by the Central Government.
Similarly Date of Birth ( for General Candidates as on 1.1.2013, you should be of minimum 21 years and Maximum 30 years ( Date of Birth should be between January 2 1983 to January 1, 1992 )
For complete details check out the SBI Notification