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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
Classic Card
Platinum Card
Signature Card
Debit Card Charges
Issue charge – Free Annual Maintenance Charge - Free
ATM Cash Withdrawal Limit
Rs.25000/- per day
Rs 75,000 per day
Rs 1,00,000 per day
POS Limit
Rs 50000/- per day
Rs 1,50,000 per day
Rs 3,00,000 per day
ATM card access at own ATM
8 transactions (financial) per month Free.
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 centres are Free
10 transactions per month FREE at all centers.
Unlimited Free.
Personal Accident Insurance (Death) cover for Pvt, Govt, PSU etc
With account
Rs 2 Lakhs FREE
Rs 5 Lakhs FREE
Rs 10 Lakhs FREE
With debit card*
Rs 2 Lakhs FREE (by bank), Rs 2 Lakhs FREE (additional by NPCI)
Personal Accident Insurance (Death) cover for Army, Police, CRPF, BSF, CISF, ITBP,SSB, AR, NSG etc
Rs 30 Lakhs FREE
Air Accident Insurance with debit card*
Rs 50 Lakhs FREE
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.
Joint A/c Facility with spouse
Yes
SMS Charges
As per Applicable charges
Free
Free Remittances from the account (DD/NEFT)
2 per month (Max. Rs.25000/- pm)
5 per month (Max. Rs. 50000/- pm)
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 loanbelow 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 7.5 lacs for study abroad / premier institution
Rate of Interest on Mortgage loan
Rate of Interest on Personal loan
Account closure -within 14 days or after 12 months
Account closure -Between 15 days to 12 months
As per applicable charges.
*Personal Accident insurance with debit card is subject to terms and conditions of debit card policy/usage and policy of NPCI which may change from time to time..