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Features
Variant of Salary Scheme
Scheme Code
Classic Salary Account
Executive Salary Account
Premier Salary Account
Eligibility
Employees drawing regular salary
Gross Salary (Average of last 3 months gross salary)
Less than ₹ 25,000/- per month
₹ 25,000/- to
₹ 74,999/- per month
₹ 75000/- and above per month
Quarterly Average Balance
Nil
Type of ATM Card
Platinum
Visa Signature/RuPay select
Debit Card Charges
Issue charge – Free
Annual Maintenance
Charge - Free
ATM Cash Withdrawal Limit
₹ 75000/- per day
₹ 1,00,000 per day
POS Limit
₹ 1,50,000/- per day
₹ 3,00,000 per day
Free ATM card access at own ATM
5 transactions (Financial) + nonfinancial Per Month
Unlimited
Free ATM card access at other ATM
3 transactions (financial + nonfinancial) per month at Metro or 5
transactions (financial + non-financial) per month at other centers
FREE Personal
Accident
Insurance to
Armed Forces
(Army, Navy, Air
Force, AR, BSF,
CISF, CRPF,
ITBP, NSG, SSB)
With account
₹ 2 Lakhs (Death)
₹ 50 Lakhs
(Death + PPD & TPD)
With debit card*
₹ 2 Lakhs (by Bank)
₹ 2 Lakhs (additional by NPCI for RuPay
Platinum)
₹ 5 Lakhs (by Bank),
₹ 10 Lakhs
(additional by NPCI for
RuPay Select Card)
Insurance for
Central/State
Govt, PSU
Employees,
Police
₹ 40 Lakhs
With debit card
₹ 2 Lakhs (by Bank) ₹ 2 Lakhs (additional by NPCI for RuPay Platinum)
₹ 5 Lakhs (by Bank), ₹ 10 Lakhs
Accident Insurance for others
₹ 2 Lakhs
₹ 20 Lakhs
₹ 2 Lakhs (by Bank) ₹ 2 Lakhs (additional by NPCI for RuPay
FREE Air Accident Insurance with debit card*
₹ 5 Lakhs
₹ 100 Lakhs
Free Hospital Cash (Mediclaim) for IPD
Up to ₹ 15,000 per annum
Personalized Cheque Book
40 leaves free per year
60 leaves free per year
100 leaves free per year
Temporary Overdraft
Facility
90% of the one-month net salary with maximum of ₹ 20,000 in the same account.
90% of the one-month net salary credited to
account with maximum of ₹ 50,000/- in the same account.
90% of the two months net salary credited to
account with maximum of ₹ 2,00,000/- in the same account.
SMS Charges
As per Applicable charges
Free
Free Remittances From the Account
2 pm (Max. ₹ 25000/- pm) DD/NEFT
5 pm (Max.
₹ 50000/- pm) DD/NEFT
Unlimited Free.
DD/NEFT
RTGS
IMPS
Locker facility (Allotment subject to availability, Concession shall be extend manually at branches)
Normal Charges
25% concession on 1st year rent.
50% concession on 1st year rent.
Processing fee for Home loan of Rs 25 lacs and above
100% concession
Processing fee for Home loan below Rs 25 lacs
50% concession
Processing fee for retail loan (other than Home loan) scheme
Rate of Interest on Home loan
0.05% p.a. concession in applicable ROI
Rate of Interest on Vehicle loan
0.10% p.a. concession in applicable ROI
Rate of Interest on
Education loan more than
₹ 7.5 lacs for study abroad
/ premier institution
Rate of Interest on Mortgage loan
Rate of Interest on Personal loan
Joint A/c Facility with spouse
Yes
Zero Balance account to family members (BSBDA)
Available for 3 family members (Spouse,2 Children)
Account closure -within 14 days or after 12 months
Account closure -Between 15 days to 12 months
As per applicable charges.
* Additional Accident insurance of ₹ 2 lakhs and ₹ 10 lakhs is extended by NPCI with RuPay Platinum and RuPay Select card respectively. No additional accident insurance is available with RuPay Classic and VISA Signature debit card.
# Concession in Applicable ROI is subject to minimum floor at EBLR.