Search
Features
Variant of USSA Scheme
Scheme Code
USSA- I
USSA- II
USSA-III
Eligibility
Employees drawing regular salary
Gross Salary (Average of last 3 months gross salary)
Less than Rs. 25,000/- per month
Rs. 25,000/- to Rs. 74,999/- per month
Rs. 75000/- and above per month
Quarterly Average Balance
Nil
Type of ATM Card
Platinum
Signature/RuPay select
Signature/RuPay Select
Debit Card Charges
Issue charge – Free
Annual Maintenance Charge - Free
ATM Cash Withdrawal Limit
Rs.75000/- per day
Rs 1,00,000 per day
POS Limit
Rs 150000/- per day
Rs 3,00,000 per day
Free ATM card access at own ATM
5 transactions (Financial) + non-financial Per Month
Unlimited
Free ATM card access at other ATM
3 transactions (financial + non-financial) 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
Rs 2 Lakhs (Death)
Rs 50 Lakhs
(Death + PPD & TPD)
With debit card*
Rs 2 Lakhs (by Bank)
Rs 2 Lakhs (additional by NPCI for RuPay Platinum)
Rs 2 Lakhs (by Bank),
Rs 10 Lakhs (additional by NPCI for RuPay Select Card)
Rs 2 Lakhs (by Bank), Rs 10 Lakhs (additional by NPCI for RuPay Select Card)
FREE Personal Accident Insurance for Central/State Govt, PSU Employees, Police
RS.2 Lakhs (Death)
Rs 40 Lakhs
FREE Personal Accident Insurance for others
RS.2 Lakhs
Rs 20 Lakhs
FREE Air Accident Insurance with debit card*
5 Lakhs
Rs 100 Lakhs
Free Hospital Cash (Mediclaim) for IPD
Up to Rs15,000 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 Rs. 20,000 in the same account.
90% of the one-month net salary credited to account with maximum of Rs 50,000/- in the same account.
90% of the two months net salary credited to account with maximum of Rs 2,00,000/- in the same account.
SMS Charges
As per Applicable charges
Free
Free Remittances From the Account
2 pm (Max. Rs.25000/- pm) DD/NEFT
5 pm (Max. Rs. 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 Rs 75 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 Rs 2 lakhs and Rs 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.