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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 employee
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 Govt, PSU, 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..