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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

Employees drawing regular salary

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

Nil

Nil

Type of ATM Card

Platinum

Visa Signature/RuPay select

Visa Signature/RuPay select

Debit Card Charges

Issue charge – Free

Annual Maintenance

Charge - Free

Issue charge – Free

Annual Maintenance

Charge - Free

Issue charge – Free

Annual Maintenance

Charge - Free

ATM Cash Withdrawal Limit

₹ 75000/- per day

₹ 1,00,000 per day

₹ 1,00,000 per day

POS Limit

₹ 1,50,000/- per day

₹ 3,00,000 per day

₹ 3,00,000 per day

Free ATM card access at own ATM

5 transactions (Financial) + nonfinancial Per Month 

Unlimited    

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 

Unlimited 

Unlimited 

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)

₹ 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)

₹ 5 Lakhs (by Bank),

₹ 10 Lakhs

(additional by NPCI for

RuPay Select Card)

FREE Personal

Accident

Insurance for

Central/State

Govt, PSU

Employees,

Police

With account

₹ 2 Lakhs (Death)

₹ 40 Lakhs 

(Death + PPD & TPD)

₹ 40 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)

₹ 5 Lakhs (by Bank), ₹ 10 Lakhs

(additional by NPCI for

RuPay Select Card)

FREE Personal

Accident Insurance for others

With account

₹ 2 Lakhs

₹ 20 Lakhs 

(Death + PPD & TPD)

₹ 40 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)

₹ 5 Lakhs (by Bank),

₹ 10 Lakhs

(additional by NPCI for

RuPay Select Card)

FREE Air Accident Insurance with debit card*

₹ 5 Lakhs

₹ 100 Lakhs 

₹ 100 Lakhs 

Free Hospital Cash (Mediclaim) for IPD

Nil

Up to ₹ 15,000 per annum 

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

Free Remittances From the Account

2 pm (Max. ₹ 25000/- pm) DD/NEFT

5 pm (Max.

₹ 50000/- pm) DD/NEFT

Unlimited Free.

DD/NEFT

 

RTGS

As per Applicable charges

As per Applicable charges

Free

IMPS

As per Applicable charges

Free

Free

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

100% concession

100% concession

Processing fee for   Home loan below Rs 25 lacs

50% concession

50% concession

50% concession

Processing fee for  retail loan (other than Home loan) scheme

50% concession

50% concession

50% concession

Rate of Interest on Home loan

0.05% p.a. concession in applicable ROI

0.05% p.a. concession in applicable ROI

0.05% p.a. concession in applicable ROI

Rate of Interest on Vehicle loan

0.10% p.a. concession in applicable ROI

0.10% p.a. concession in applicable ROI

0.10% p.a. concession in applicable ROI

Rate of Interest on

Education loan more than

₹ 7.5 lacs for study abroad

/ premier institution

0.10% p.a. concession in applicable ROI

0.10% p.a. concession in applicable ROI

0.10% p.a. concession in applicable ROI

Rate of Interest on Mortgage loan

0.10% p.a. concession in applicable ROI

0.10% p.a. concession in applicable ROI

0.10% p.a. concession in applicable ROI

Rate of Interest on Personal loan

0.10% p.a. concession in applicable ROI

0.10% p.a. concession in applicable ROI

0.10% p.a. concession in applicable ROI

Joint A/c Facility with spouse

Yes

Yes

Yes

Zero Balance account to family members (BSBDA)

Available for 3 family members (Spouse,2 Children)

Available for 3 family members (Spouse,2 Children)

Available for 3 family members (Spouse,2 Children)

Account closure -within 14 days or after 12 months

Nil

Nil

Nil

Account closure -Between 15 days to 12 months

As per applicable charges.

As per applicable charges.

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.